Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan"

Transcription

1 TIAA-CREF Quarterly Performance Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan Performance as of 03/31/2016 Before making your investment choices and completing your enrollment form, you should consider the investment objectives, risks, charges and expenses carefully. Please call for paper copies of the product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. To view the prospectuses online, go to tiaa-cref.org/pro and enter your Plan ID: You can also view TIAA-CREF's privacy policy, business continuity statement, and frequent trading policy at tiaa-cref.org/pro. The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your mutual fund shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance current to the most recent month-end, go to tiaa-cref.org/planinvestmentoptions and enter your Plan ID: or call 800 TIAA-CREF ( ). Performance may reflect waivers or reimbursements of certain expenses. Absent these waivers or reimbursement arrangements, performance results would have been lower. performance shown is cumulative for periods less than one year. Equities Total Returns Average Annual Total Returns Columbia Small Cap Value Fund I R CUURX 11/09/ % 2.85% -6.12% 6.69% % 0.93%/0.93% -- Benchmark: Russell 2000 Value Index 1.70% 1.70% -7.72% 5.73% % Deutsche RREEF Real Estate Securities Fund 1540 RRRRX 12/01/ % 6.09% 4.71% 10.74% 11.52% 6.80% 13.04% 0.63%/0.63% -- Institutional 40, 1204 Benchmark: S&P 500 Index 1.35% 1.35% 1.78% 11.82% 11.58% 7.01% 4.39% DFA Emerging Markets Value Portfolio 1864 DFEVX 04/01/ % 8.90% % -6.36% -6.44% 3.27% 9.54% 0.66%/0.56% -- Institutional 40, 45 Benchmark: MSCI Emerging Markets Index 5.71% 5.71% % -4.50% -4.13% 3.02% -- Dodge & Cox International Stock Fund DODFX 05/01/ % -3.76% % 1.34% 1.36% 2.46% 6.66% 0.64%/0.64% -- Benchmark: MSCI EAFE Index -3.01% -3.01% -8.27% 2.23% 2.29% 1.80% 3.82% Dodge & Cox Stock Fund DODGX 01/04/ % -0.99% -4.29% 9.51% 10.14% 5.04% 10.85% 0.52%/0.52% -- Benchmark: S&P 500 Index 1.35% 1.35% 1.78% 11.82% 11.58% 7.01% -- JPMorgan Disciplined Equity Fund Institutional 40, JPIEX 01/03/ % -0.66% -4.35% 10.74% 11.15% 7.23% 7.22% 0.49%/0.45% 10/31/16 Benchmark: S&P 500 Index 1.35% 1.35% 1.78% 11.82% 11.58% 7.01% 7.38% Prudential Jennison Small Company Fund Z PSCZX 03/01/ % 0.58% -8.21% 8.22% 7.60% 6.48% 8.95% 0.83%/0.83% -- Benchmark: Russell 2500 Index 0.39% 0.39% -7.31% 8.16% 8.58% 6.47% 9.33% T. Rowe Price Blue Chip Growth Fund Retail TRBCX 06/30/ % -5.48% -0.86% 14.54% 13.06% 8.40% 10.01% 0.72%/0.72% -- Benchmark: S&P 500 Index 1.35% 1.35% 1.78% 11.82% 11.58% 7.01% 9.03% products, insurance and annuity products: are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

2 Equities Total Returns Average Annual Total Returns TIAA-CREF International Equity Index Fund 859 TCIEX 10/01/ % -2.73% -8.21% 2.24% 2.44% 1.91% 7.43% 0.06%/0.06% 02/28/17 Institutional 47 Benchmark: MSCI EAFE Index -3.01% -3.01% -8.27% 2.23% 2.29% 1.80% 7.43% TIAA-CREF S&P 500 Index Fund Institutional TISPX 10/01/ % 1.32% 1.76% 11.75% 11.50% 6.95% 8.92% 0.06%/0.06% 02/28/17 Benchmark: S&P 500 Index 1.35% 1.35% 1.78% 11.82% 11.58% 7.01% 9.01% TIAA-CREF Social Choice Equity Fund Institutional TISCX 07/01/ % 1.68% -1.52% 9.44% 10.05% 6.50% 4.58% 0.18%/0.18% 02/28/17 Benchmark: Russell 3000 Index 0.97% 0.97% -0.34% 11.15% 11.01% 6.90% 4.87% Vanguard Strategic Equity Fund Investor 16, VSEQX 08/14/ % 0.42% -5.85% 11.88% 11.60% 6.25% 10.37% 0.21%/0.21% -- Benchmark: Russell Midcap Index 2.24% 2.24% -4.04% 10.45% 10.30% 7.45% 10.40% Fixed Income Total Returns Average Annual Total Returns BlackRock High Yield Bond Portfolio K 40, BRHYX 11/19/ % 1.88% -4.21% 2.34% 5.20% 6.99% 7.22% 0.54%/0.54% -- Benchmark: Barclays U.S. High-Yield 2% Issuer Cap Index 3.35% 3.35% -3.66% 1.86% 4.93% 7.03% 6.83% Delaware Extended Duration Bond Fund 1369 DEEIX 09/15/ % 5.41% -2.41% 4.05% 8.71% 9.16% 8.44% 0.75%/0.71% 11/28/16 Institutional 40, 45 Benchmark: Barclays Long U.S. Corporate Index 6.83% 6.83% -1.34% 4.26% 7.65% 7.23% 6.92% Metropolitan West Total Return Bond Fund I MWTIX 03/31/ % 2.43% 1.31% 2.69% 4.87% 6.62% 6.57% 0.44%/0.44% -- Benchmark: Barclays U.S. Aggregate Bond Index 3.03% 3.03% 1.96% 2.50% 3.78% 4.90% 5.42% TIAA-CREF Inflation-Linked Bond Fund 872 TIILX 10/01/ % 3.50% 0.41% -1.16% 2.62% 4.23% 4.44% 0.26%/0.26% 07/31/16 Institutional 47, 1255 Benchmark: Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index Benchmark: Barclays U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L) 3.60% 3.60% 1.84% -0.72% 1.88% 4.00% 4.12% 4.46% 4.46% 1.51% -0.71% 3.02% 4.62% 4.77% Vanguard Total Bond Market Index Fund Admiral VBTLX 11/12/ % 3.09% 1.82% 2.38% 3.71% 4.86% 4.50% 0.07%/0.07% -- Benchmark: Barclays U.S. Aggregate Float Adjusted Index 3.12% 3.12% 1.88% 2.47% 3.80% Multi-Asset Total Returns Average Annual Total Returns TIAA-CREF Lifecycle 2010 Fund 151 TCTIX 01/17/ % 1.32% -0.87% 4.70% 5.74% 4.95% 5.49% 0.49%/0.37% 09/30/16 Benchmark: Lifecycle 2010 Fund Composite Index 1.91% 1.91% -0.22% 4.84% 5.78% 5.00% 5.54% Benchmark: Barclays U.S. Aggregate Bond Index 3.03% 3.03% 1.96% 2.50% 3.78% 4.90% 4.46% TIAA-CREF Lifecycle 2015 Fund 152 TCNIX 01/17/ % 1.07% -1.23% 5.08% 5.98% 4.96% 5.63% 0.50%/0.38% 09/30/16 Benchmark: Lifecycle 2015 Fund Composite Index 1.82% 1.82% -0.42% 5.30% 6.10% 5.02% 5.69% products, insurance and annuity products: are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

3 Multi-Asset Total Returns Average Annual Total Returns TIAA-CREF Lifecycle 2020 Fund 153 TCWIX 01/17/ % 0.84% -1.61% 5.60% 6.33% 4.91% 5.70% 0.51%/0.39% 09/30/16 Benchmark: Lifecycle 2020 Fund Composite Index 1.66% 1.66% -0.78% 5.84% 6.50% 5.02% 5.78% TIAA-CREF Lifecycle 2025 Fund 154 TCYIX 01/17/ % 0.53% -2.15% 6.04% 6.62% 4.87% 5.77% 0.53%/0.41% 09/30/16 Benchmark: Lifecycle 2025 Fund Composite Index 1.48% 1.48% -1.15% 6.38% 6.89% 5.01% 5.88% TIAA-CREF Lifecycle 2030 Fund 155 TCRIX 01/17/ % 0.21% -2.64% 6.50% 6.89% 4.79% 5.77% 0.54%/0.42% 09/30/16 Benchmark: Lifecycle 2030 Fund Composite Index 1.30% 1.30% -1.53% 6.89% 7.26% 4.98% 5.95% TIAA-CREF Lifecycle 2035 Fund 156 TCIIX 01/17/ % -0.11% -3.06% 6.87% 7.09% 4.88% 5.96% 0.55%/0.43% 09/30/16 Benchmark: Lifecycle 2035 Fund Composite Index 1.09% 1.09% -1.97% 7.30% 7.56% 5.14% 6.19% TIAA-CREF Lifecycle 2040 Fund 157 TCOIX 01/17/ % -0.42% -3.66% 6.99% 7.22% 5.06% 6.22% 0.56%/0.44% 09/30/16 Benchmark: Lifecycle 2040 Fund Composite Index 0.86% 0.86% -2.44% 7.50% 7.77% 5.31% 6.44% TIAA-CREF Lifecycle 2045 Fund Institutional 45, TTFIX 11/30/ % -0.49% -3.75% 6.95% 7.20% % 0.57%/0.44% 09/30/16 Benchmark: Lifecycle 2045 Fund Composite Index 0.91% 0.91% -2.39% 7.52% 7.78% % Benchmark: Russell 3000 Index 0.97% 0.97% -0.34% 11.15% 11.01% % TIAA-CREF Lifecycle 2050 Fund Institutional 45, TFTIX 11/30/ % -0.49% -3.71% 6.99% 7.22% % 0.57%/0.44% 09/30/16 Benchmark: Lifecycle 2050 Fund Composite Index 0.97% 0.97% -2.33% 7.54% 7.79% % Benchmark: Russell 3000 Index 0.97% 0.97% -0.34% 11.15% 11.01% % TIAA-CREF Lifecycle 2055 Fund Institutional 45, TTRIX 04/29/ % -0.35% -3.58% 7.03% % 0.65%/0.44% 09/30/16 Benchmark: Lifecycle 2055 Fund Composite Index 1.03% 1.03% -2.27% 7.56% % Benchmark: Russell 3000 Index 0.97% 0.97% -0.34% 11.15% % TIAA-CREF Lifecycle 2060 Fund Institutional 45, TLXNX 09/26/ % -0.32% -3.55% % 2.08%/0.44% 09/30/16 Benchmark: Lifecycle 2060 Fund Composite Index 1.10% 1.10% -2.21% % Benchmark: Russell 3000 Index 0.97% 0.97% -0.34% % TIAA-CREF Lifecycle Retirement Income Fund 526 TLRIX 11/30/ % 1.52% -0.71% 4.20% 5.45% % 0.51%/0.36% 09/30/16 Institutional 45, 132 Benchmark: Lifecycle Retirement Income Fund Composite Index 2.01% 2.01% -0.02% 4.31% 5.41% % Benchmark: Barclays U.S. Aggregate Bond Index 3.03% 3.03% 1.96% 2.50% 3.78% % products, insurance and annuity products: are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

4 Other Total Returns Average Annual Total Returns COLLECTIVE FUND Wells Fargo Stable Return Fund - M 35, 37, 40, /01/ % 0.29% 1.16% 1.09% 1.30% 2.41% 5.05% 0.83%/0.83% -- products, insurance and annuity products: are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

5 A NOTE ABOUT RISK Equity mutual funds generally carry a higher degree of risk than fixed income funds and accounts. This risk is heightened for funds that invest in small and mid-cap stocks and foreign securities. Fixed income mutual funds are not guaranteed and are subject to interest rate, inflation and credit risks. Funds that invest in non-investment grade securities (i.e. highyield) present special risks, including significantly higher interest rate and credit risk. Mutual funds that invest in real estate securities are subject to various risks, including fluctuation in property values, higher expenses or lower income than expected, and potential environmental problems and liability. More detailed information on risks applicable to a particular investment option can be found in the prospectus or other product literature. About the Benchmark A benchmark provides an investor with a point of reference to evaluate an investment s performance. One common type of benchmark used to compare investment performance is called an index. Indexes are unmanaged portfolios of securities designed to track the performance of a particular segment of the market. For example, a large cap stock fund or account will usually be compared to an index that tracks a portfolio of large-cap stocks. Conversely, a bond fund or account is typically compared to an index that tracks a portfolio of bonds that is comparable to the fund or account s portfolio in terms of credit quality, maturity and liquidity. Each mutual fund or account shown in the chart includes performance information for an index that the advisor determined provides a fair comparison of the fund or account s investment performance. Indexes are for comparison purposes only. You cannot invest directly in any index. Index returns do not reflect a deduction for fees or expenses. Morningstar Disclosures Data Provided by Morningstar, Inc Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information. Important Information 16 The comparative indices used for this investment product have been provided by Morningstar, Inc. and may not match those that appear in other websites or publications. 40 Accumulations in funds not managed by TIAA may be subject to administrative charges. These charges are subject to change. Please review current documents related to your plan. 132 As Target Retirement Date Funds are actively managed, their asset allocations are subject to change and may vary from those indicated. They invest in many underlying funds and are exposed to the risks of different areas of the market. Please note that, as with all mutual funds, the principal value of a Target Retirement Date Fund is not guaranteed. The higher a fund's allocation to stocks, the greater the risk. After the target date has been reached, some of these funds may be merged into a fund with a more stable asset allocation. In addition to the fund level expenses these funds are also subject to the expenses of their underlying investments. Please consult the prospectus for more complete information. 37 Data provided by Galliard Capital Management. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information. 304 The fund's Retirement Class began operations on October 15, Performance shown for the period and prior to the inception of the Institutional Class is based on the performance of the fund's Retirement Class. Performance has not been restated to reflect the lower expenses of the Institutional Class. If the expense differential had been reflected, performance for these periods would have been higher. 45 The net annual expense reflects a contractual reimbursement of various expenses, which will remain in effect until terminated. Had fees not been waived and/or expenses reimbursed currently or in the past, returns would have been lower. Please see the prospectus for details. 47 A contractual arrangement is in place that limits certain fees and/or expenses. The arrangement will remain in effect until terminated. Had fees/expenses not been limited ("capped"), currently or in the past, returns would have been lower. Please see the prospectus for details. 86 The Wells Fargo Stable Return Fund is not insured or guaranteed by any governmental agency. s in the fund are subject to the various risks associated with investing in investment contracts, which include default, interest-rate, and liquidity risk. Default risk is the risk that companies or individuals will not be able to make their required payments on debt obligations. Interest rate risk is the risk that interest payments of debt securities may become less competitive during periods of rising interest rates and declining bond prices. Liquidity risk is the risk that illiquid securities may be difficult to sell at their fair market value. Before investing, please see the fund's Disclosure Document for more detailed information about these and other risks. 255 Prior to September 1, 2015, the fund's K share class was known as the BlackRock share class Shares held less than 15 calendar days may be subject to a 2.00% redemption fee. Please see the prospectus for details. The fund performance shown does not reflect the deduction of this fee. Had the fee been deducted, returns would have been lower Effective January 1, 2016, the fund's benchmark index changed from the Barclays U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L) to the Barclays US Treasury Inflation Protected Securities (TIPS) 1-10 year index (the "Barclays TIPS 1-10 Index"). 35 The Wells Fargo Stable Return Fund is a collective investment trust fund for which Wells Fargo Bank, N.A. ("Wells Fargo") is the investment advisor and trustee. Galliard Capital Management, Inc., a wholly-owned subsidiary of Wells Fargo, serves as subadvisor to the Fund. The Fund charges an annualized fee for investment and administrative services equivalent to 0.55% of assets invested in the Fund. From this fee, the Fund will pay a fee equivalent to 0.25% of assets invested in the Fund to the Recordkeeper for administrative and recordkeeping services performed by it, or its agents, related to the purchase, sale and holding of fund units. The difference between the Fund's total annual operating expenses (expense ratio) and the investment and administrative services fee described above is attributable to investment contract fees (wrap fees), acquired fund fees, subadvisor investment management expenses, trustee, audit, valuation and 5500 fees. Fund returns reflect all income, realized and unrealized capital gains and losses and all annual fund operating expenses. The Fund is not insured by the FDIC, Federal Reserve Bank, nor guaranteed by Wells Fargo or any affiliate, including Galliard Capital Management. Past performance is not an indication of how the investment will perform in the future. For additional details, please visit or refer to the Fund fact sheet.

6 There are inherent risks in investing. More information on investment risks appears at the end of the performance table. Mutual funds are offered through your plan sponsor s retirement plan, which is recordkept by TIAA-CREF. Funds are offered at that day s net asset value (NAV), and the performance is displayed accordingly. Performance at NAV does not reflect sales charges, which are waived through your retirement plan. If included, the sales charges would have reduced the performance as quoted. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C30662

7

8

New York University NYU STDA Plan

New York University NYU STDA Plan TIAA-CREF Quarterly Performance New York University NYU STDA Plan Performance as of 06/30/2013 Before making your investment choices and completing your enrollment form, you should consider the investment

More information

Please read this important information for Yale University Matching Retirement Plan participants

Please read this important information for Yale University Matching Retirement Plan participants Please read this important information for Yale University Matching Retirement Plan participants This notice gives you important information about the default investment funds selected for the Matching

More information

July 28, 2015. Re: Important information about your retirement plan

July 28, 2015. Re: Important information about your retirement plan JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to

More information

LSU - LSU AND A+M TAX DEFERRED ANNUITY PLAN

LSU - LSU AND A+M TAX DEFERRED ANNUITY PLAN Quarterly Investment Update LSU LSU AND A+M TAX DEFERRED ANNUITY PLAN Investment Performance as of 6/30/2016 The performance data quoted represents past performance, and is no guarantee of future results.

More information

August 26, 2015. Re: Important information about your retirement plan

August 26, 2015. Re: Important information about your retirement plan MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make

More information

CLARKSON UNIVERSITY PENSION PLAN

CLARKSON UNIVERSITY PENSION PLAN CLARKSON UNIVERSITY PENSION PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind how long

More information

CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN

CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind

More information

SUSORP - FLORIDA GULF COAST UNIVERSITY

SUSORP - FLORIDA GULF COAST UNIVERSITY Quarterly Investment Update SUSORP FLORIDA GULF COAST UNIVERSITY Investment Performance as of 3/31/2016 The performance data quoted represents past performance, and is no guarantee of future results. Your

More information

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Retirement program updates are coming. Cornell University is committed to offering you the

More information

ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B)

ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B) ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B) Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you

More information

PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN

PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should

More information

County of Orange - 98984-01/02 Investment Performance as of 04/29/2016

County of Orange - 98984-01/02 Investment Performance as of 04/29/2016 County of Orange - 98984-01/02 Investment Performance as of 04/29/2016 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is

More information

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE FY 2016 PLAN YEAR The Wheaton College Retirement Plan (the "Plan") permits each Participant to direct how money in her/his

More information

Plan and Investment Notice

Plan and Investment Notice ST. JOHN FISHER COLLEGE EE ELECTIVE PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan

More information

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans New opportunities for your retirement strategy Announcing upcoming changes to the University of Southern California Retirement Plans The University of Southern California is dedicated to helping you prepare

More information

TIAA-CREF Money Market Fund

TIAA-CREF Money Market Fund TIAA-CREF Money Market Fund Money Market As of 9/30/05 Portfolio Net Assets $770.70 Million Inception Date 7/0/999 CUSIP 8744W706 Symbol TCIXX Industry Average imoneynet Money Fund Averages All Taxable

More information

Investment Menu and Transfer Strategy

Investment Menu and Transfer Strategy Investment Menu and Transfer Strategy Investment Menu Effective February 9, 2015, all of your TIAA-CREF and Vanguard options within the University of Pittsburgh Retirement Savings Plan will be consolidated

More information

Average Annualized Return as of 11/30/2015 1. YTD 1 Year 3 Years 5 Years

Average Annualized Return as of 11/30/2015 1. YTD 1 Year 3 Years 5 Years Investment Options at a glance Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is not a guarantee or prediction of future

More information

State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-01 Investment Performance as of 01/29/2016

State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-01 Investment Performance as of 01/29/2016 State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-0 Investment Performance as of 0/29/206 Current performance may be lower or higher than performance data shown. Performance data

More information

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 This legally required notice includes important information to help you compare the investment options under your

More information

evolution The of your Yale University Retirement Program

evolution The of your Yale University Retirement Program evolution The of your Yale University Retirement Program Evolving the Yale University Retirement Program Table of contents One provider, more options...3 What to expect...8 Key dates...11 Frequently asked

More information

Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice

Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice November 2014 Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice Important: This notice refers to the 401(k) Savings

More information

The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance.

The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance. 3 & 5 Year Annualized & for the period ending Definitions: Excess Return (ER): a measure of an investment's annualized return in excess of a benchmark. (TE): a measure of the volatility of excess returns

More information

June 24, 2015. Re: Important information about your retirement plan

June 24, 2015. Re: Important information about your retirement plan CHATHAM UNIVERSITY MELLON CENTER WOODLAND ROAD PITTSBURGH, PA 15232 June 24, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make

More information

Tier 1 Target Date Investments

Tier 1 Target Date Investments University of Colorado 401(a) Retirement Plan Investment Menu Effective July 15, 2015, your University of Colorado Retirement Plan investment options will be offered by 12 different firms, and CU s 401(a)

More information

TIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs

TIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN Summary of Plan Services and Costs July 11, 2013 This summary provides important information to assist you in making decisions related to your participation in

More information

Bond Fund of the TIAA-CREF Life Funds

Bond Fund of the TIAA-CREF Life Funds Summary Prospectus MAY 1, 2015 Bond Fund of the TIAA-CREF Life Funds Ticker: TLBDX Before you invest, you may want to review the Fund s prospectus, which contains more information about the Fund and its

More information

Optional Asset Allocation program for participants

Optional Asset Allocation program for participants Richard Gagne Retirement Security Education 0207662 What is GoalMaker? Optional Asset Allocation program for participants Uses professional asset allocation modeling based on portfolios created by Morningstar

More information

TIAA Traditional Annuity

TIAA Traditional Annuity TIAA Retirement Annuity Accounts TIAA Traditional Annuity Group Retirement Annuity (GRA) Guaranteed As of 9/30/2015 Investment Objective The TIAA Traditional Annuity is a guaranteed annuity account backed

More information

MISSISSIPPI ORP. Net. Gross Fund. Fund. Fund. Inception. Stability of Principal

MISSISSIPPI ORP. Net. Gross Fund. Fund. Fund. Inception. Stability of Principal P E R F O R M A N C E U P D A T E MISSISSIPPI ORP Average Annual Total Returns as of: 01/31/2016 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for retirement

More information

Plan and Investment Notice

Plan and Investment Notice PRINCETON UNIVERSITY RETIREMENT PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan

More information

Spectrum of Investment Options

Spectrum of Investment Options Kentucky Deferred Comp Spectrum of Investment Options Your guide to available investment options. Tier 1 Target Date Funds, Balanced Fund Target Date Funds Vanguard Target Retirement Funds (in five-year

More information

ADVANCING YOUR FINANCIAL FUTURE

ADVANCING YOUR FINANCIAL FUTURE ADVANCING YOUR FINANCIAL FUTURE The Washington University Retirement Savings Plan Table of contents Making it easier to plan and invest for retirement...4 Plan information for TIAA-only participants...5

More information

SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO. Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016

SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO. Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016 SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016 Calvert VP Natural Resources Portfolio Summary Prospectus

More information

T. Rowe Price Target Retirement 2030 Fund Advisor Class

T. Rowe Price Target Retirement 2030 Fund Advisor Class T. Rowe Price Target Retirement 2030 Fund Advisor Class Supplement to Summary Prospectus Dated October 1, 2015 Effective February 1, 2016, the T. Rowe Price Mid-Cap Index Fund and the T. Rowe Price Small-Cap

More information

U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice

U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice The U.S. Bank 401(k) Savings Plan can assist you in saving on a tax-deferred basis for your future. Through the U.S. Bank 401(k) Savings Plan

More information

Tier 1 Target Date Investments

Tier 1 Target Date Investments University of Colorado 403(b) Voluntary Retirement Plan Investment Menu Effective July 15, 2015, your University of Colorado Retirement Plan investment options will be offered by 12 different firms, and

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company CLACKAMAS COUNTY 457(B) DC PLAN Separate Account D Average Annual Total Returns as of: 11/30/2015 (shown in percentages)

More information

1. Online by visiting tiaa-cref.org 2. By phone at 800 842-2252 available Monday Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m.

1. Online by visiting tiaa-cref.org 2. By phone at 800 842-2252 available Monday Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. SWEET BRIAR COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation in

More information

Amherst College Defined Contribution Retirement Plan for Amherst College and Folger Shakespeare Library Employees

Amherst College Defined Contribution Retirement Plan for Amherst College and Folger Shakespeare Library Employees Amherst College Defined Contribution Retirement Plan for Amherst College and Folger Shakespeare Library Employees Inside is detailed information you need to know about the transition to the new Investment

More information

Supplemental Income 401(k) Plan

Supplemental Income 401(k) Plan Supplemental Income 401(k) Plan This document contains important information concerning our retirement plan. The first section provides you with information about the plan in general, including any expenses

More information

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Inceptus Funds. Financial Reports May 31, 2015

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Inceptus Funds. Financial Reports May 31, 2015 TD Ameritrade Trust Company Collective Investment s for Employee Benefit Plans s Financial Reports May 31, 2015 Contents Independent Auditor s Report 1-2 Financial Statements Statements of Financial Condition

More information

HSBC World Selection Funds April 30, 2016. Monthly Factsheets Class A and C Shares. Investment products: ARE NOT A BANK ARE NOT DEPOSIT OR

HSBC World Selection Funds April 30, 2016. Monthly Factsheets Class A and C Shares. Investment products: ARE NOT A BANK ARE NOT DEPOSIT OR HSBC World Selection Funds April 30, 2016 Monthly Factsheets Class A and C Shares Aggressive Strategy Fund Balanced Strategy Fund Moderate Strategy Fund Conservative Strategy Fund Income Strategy Fund

More information

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS SUMMARY PROSPECTUS RPBAX May 1, 2016 T. Rowe Price Balanced Fund A fund seeking capital growth and current income through a portfolio of approximately 65% stocks and 35% fixed income securities. Before

More information

All Canyon Resources Employees REMINDER ABOUT THE 4O1(K) PLAN AND SUMMARY OF RECENT CHANGES

All Canyon Resources Employees REMINDER ABOUT THE 4O1(K) PLAN AND SUMMARY OF RECENT CHANGES TO: RE: All Canyon Resources Employees REMINDER ABOUT THE 4O1(K) PLAN AND SUMMARY OF RECENT CHANGES WHAT IS THE 401(k) PLAN? The 401(k) plan is designed to help you save for your retirement. You decide

More information

Fund commentary. John Hancock Retirement Living Portfolios Q1 2016

Fund commentary. John Hancock Retirement Living Portfolios Q1 2016 John Hancock Retirement Living Portfolios Fund commentary Seek: Long-term growth of capital or a balance between a high level of current income and growth of capital Use for: Broadly diversified, risk-targeted

More information

Investment Performance

Investment Performance Investment Performance Investment results shown represent historical performance and do not guarantee future results. Investment returns and principal values fluctuate with changes in interest rates and

More information

May 1, 2015 as amended June 1, 2015

May 1, 2015 as amended June 1, 2015 INSTITUTIONAL INVESTOR May 1, 2015 as amended June 1, 2015 DATE TARGET FUNDS MyDestination 2005 Fund MyDestination 2015 Fund MyDestination 2025 Fund MyDestination 2035 Fund MyDestination 2045 Fund MyDestination

More information

State Street Target Retirement Funds - Class K

State Street Target Retirement Funds - Class K The State Street Target Retirement Funds - Class K (the "Funds") represent units of ownership in the State Street Target Retirement Non-Lending Series Funds. The Funds seek to offer complete, low cost

More information

Investment Expenses and Indirect Compensation

Investment Expenses and Indirect Compensation Investment s and Indirect Compensation The chart below shows the components of the investment expenses for the non-fixed interest funds available under your plan as well as the revenue paid to Voya Financial,

More information

TIAA-CREF Asset Management. A Guide to TIAA-CREF Mutual Funds

TIAA-CREF Asset Management. A Guide to TIAA-CREF Mutual Funds TIAA-CREF Asset Management A Guide to TIAA-CREF Mutual Funds Unwavering commitment to our clients success Born from a legacy of making a difference, TIAA-CREF Asset Management draws on a long-term perspective

More information

Rensselaer Polytechnic Institute Tax Deferred Annuity Program

Rensselaer Polytechnic Institute Tax Deferred Annuity Program - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program QUARTERLY PERFORMANCE Rensselaer Polytechnic Institute Tax Deferred Program As of 06/30/2008 The performance

More information

WHAT ROLE DO BONDS PLAY IN YOUR PORTFOLIO? Guard Against Interest Rate Risk and Credit Events

WHAT ROLE DO BONDS PLAY IN YOUR PORTFOLIO? Guard Against Interest Rate Risk and Credit Events RETHINK YOUR BONDS Building Better Bond Portfolios Interest rates may inch up this year, but expect them to be low for some time to come. You can continue to achieve your fixed income goals in this environment

More information

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Managed Retirement Funds. Financial Reports May 31, 2015

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Managed Retirement Funds. Financial Reports May 31, 2015 TD Ameritrade Trust Company Collective Investment s for Employee Benefit Plans s Financial Reports May 31, 2015 Contents Independent Auditor s Report 1-2 Financial Statements Statements of Financial Condition

More information

Evergreen INSTITUTIONAL MONEY MARKET FUNDS. Prospectus July 1, 2009

Evergreen INSTITUTIONAL MONEY MARKET FUNDS. Prospectus July 1, 2009 Evergreen INSTITUTIONAL MONEY MARKET FUNDS Prospectus July 1, 2009 Evergreen Institutional 100% Treasury Money Market Fund Evergreen Institutional Money Market Fund Evergreen Institutional Municipal Money

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

Welcome to your new retirement plan provider

Welcome to your new retirement plan provider Welcome to your new retirement plan provider < ABC Company > is changing the service provider for its qualified retirement plan to John Hancock. Important dates 1 at a glance Access to John Hancock s website

More information

Explore your FUTURE. potential. Northwestern University Retirement Plans

Explore your FUTURE. potential. Northwestern University Retirement Plans Explore your FUTURE potential Northwestern University Retirement Plans Investment Mapping Overview October 21, 2016 For a few months, beginning July 27, 2016, participants will be able to invest in both

More information

New York s 529 Advisor-Guided College Savings Program

New York s 529 Advisor-Guided College Savings Program NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York

More information

New York's 529 Advisor-Guided College Savings Program

New York's 529 Advisor-Guided College Savings Program New York's 529 Advisor-Guided College Savings Program yr AVERAGE TOTAL Expense ratio AGE-BASED PORTFOLIOS JPMorgan 529 Aggressive Age-Based Portfolio (Age 0-5) 2,3,4,5,6,7,8,9,37 Class A - 5/4/202, 5705,

More information

Fund commentary. John Hancock Lifestyle Portfolios Q1 2016

Fund commentary. John Hancock Lifestyle Portfolios Q1 2016 Fund commentary John Hancock Lifestyle Portfolios Seek: Long-term growth of capital or a balance between a high level of current income and growth of capital Use for: Broadly diversified, risk-targeted

More information

JPMorgan U.S. Equity Fund

JPMorgan U.S. Equity Fund Prospectus J.P. Morgan U.S. Equity Funds Institutional Class Shares November 1, 2009 JPMorgan Disciplined Equity Fund JPMorgan Diversified Fund JPMorgan Mid Cap Value Fund JPMorgan Small Cap Growth Fund

More information

Information on Retirement Savings Plans Available at Carnegie Mellon University

Information on Retirement Savings Plans Available at Carnegie Mellon University Information on Retirement Savings Plans Available at Carnegie Mellon University Carnegie Mellon University offers two retirement savings plans based on eligibility and citizenship/residency: Carnegie Mellon

More information

Credit Union Employees Retirement Association. Providing Retirement Plans to Member Credit Unions since 1954

Credit Union Employees Retirement Association. Providing Retirement Plans to Member Credit Unions since 1954 Credit Union Employees Retirement Association Providing Retirement Plans to Member Credit Unions since 1954 Fulfill your commitment to help employees attain a secure retirement. It s easier than you might

More information

FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS.

FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS. FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS December 31, 2014 Investment Adviser: MATSON MONEY, INC. 5955 Deerfield

More information

Schwab Target Funds. Go paperless today. Simplify your financial life by viewing these documents online. Sign up at schwab.

Schwab Target Funds. Go paperless today. Simplify your financial life by viewing these documents online. Sign up at schwab. Annual report dated October 31, 2015, enclosed. Schwab Target Funds Schwab Target 2010 Fund Schwab Target 2015 Fund Schwab Target 2020 Fund Schwab Target 2025 Fund Schwab Target 2030 Fund Schwab Target

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

CFNI 401(a) Retirement Plan (the Plan ) Document summary General plan information section Plan fees and expenses Comparative charts

CFNI 401(a) Retirement Plan (the Plan ) Document summary General plan information section Plan fees and expenses Comparative charts CFNI 401(a) Retirement Plan (the Plan ) Plan Code: AN3-004 Product name: Lincoln Alliance program The purpose of this document is to provide you with important information regarding the CFNI 401(a) Retirement

More information

Diversified Managed Allocations

Diversified Managed Allocations Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company SEPTA DEFERRED COMPENSATION Separate Account D, Group Annuity Contract Average Annual Total Returns as of: 01/31/2016 (shown

More information

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 Investment Adviser: RidgeWorth Investments A Shares C Shares I Shares Aggressive Growth Allocation Strategy SLAAX CLVLX CVMGX Conservative

More information

The George Washington University Retirement Plans. How to get started

The George Washington University Retirement Plans. How to get started The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education

More information

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016.

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016. NUVEEN INTELLIGENT RISK CONSERVATIVE ALLOCATION FUND SUPPLEMENT DATED APRIL 18, 2016 TO THE SUMMARY PROSPECTUS DATED DECEMBER 31, 2015 Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated

More information

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Table of Contents Be prepared for the changes ahead 1 Your new investment menu 2 Investment

More information

SUPPLEMENT TO THE CURRENTLY EFFECTIVE SUMMARY PROSPECTUS

SUPPLEMENT TO THE CURRENTLY EFFECTIVE SUMMARY PROSPECTUS SUPPLEMENT TO THE CURRENTLY EFFECTIVE SUMMARY PROSPECTUS Deutsche Global Real Estate Securities Fund Effective May 1, 2016, the following information replaces the existing disclosure contained under the

More information

ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION

ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation

More information

J.P. Morgan Asset Management Leveraged Credit Mutual Fund Commentary YTD 2015

J.P. Morgan Asset Management Leveraged Credit Mutual Fund Commentary YTD 2015 JPMorgan High Yield Fund Select Shares September 2015 as of 09/30/2015 YTD High Yield Fund - Select Shares (Net of Fees) -2.56 High Yield Fund - Gross -1.98 Barclays Capital High Yield 2% Issuer Index

More information

Core bond funds know what you re investing in

Core bond funds know what you re investing in Core bond fixed income Wells Fargo Advantage Core Bond Fund February 2015 Core bond funds know what you re investing in Wells Fargo Advantage Funds Fixed-Income Team Just about every retirement plan participant

More information

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth.

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. wealth MANAGEMENT Choosing the right investment advisor is one of the most important

More information

Guide to mutual fund investing. Start with the basics

Guide to mutual fund investing. Start with the basics Guide to mutual fund investing Start with the basics Pursue your financial goals Why do you invest? For a rainy day? A secure retirement? Funding a college tuition? Having a specific goal in mind will

More information

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation

More information

Pioneer Bond Fund. Performance Analysis & Commentary September 2015. Fund Ticker Symbols: PIOBX (Class A); PICYX (Class Y) us.pioneerinvestments.

Pioneer Bond Fund. Performance Analysis & Commentary September 2015. Fund Ticker Symbols: PIOBX (Class A); PICYX (Class Y) us.pioneerinvestments. Pioneer Bond Fund COMMENTARY Performance Analysis & Commentary September 2015 Fund Ticker Symbols: PIOBX (Class A); PICYX (Class Y) us.pioneerinvestments.com Third Quarter Review Pioneer Bond Fund s Class

More information

JOHNS HOPKINS UNIVERSITY INVESTMENT OPTIONS

JOHNS HOPKINS UNIVERSITY INVESTMENT OPTIONS JOHNS HOPKINS UNIVERSITY INVESTMENT OPTIONS P E R F O R M A N C E U P D A T E AS OF DECEMBER 31, 2009 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance

More information

Quarterly Performance Report as of September 30, 2011

Quarterly Performance Report as of September 30, 2011 SFR Program Quarterly Performance Report as of September 30, 2011 You should consider the investment objectives, risks, charges, and expenses of the mutual funds carefully before investing. You may obtain

More information

Participant Disclosure Notice

Participant Disclosure Notice Participant Disclosure Notice DePaul University 403(b) Retirement Plan IMPORTANT PLAN AND INVESTMENT-RELATED INFORMATION FOR PLAN ACCOUNTS ESTABLISHED WITH FIDELITY, INCLUDING THE PLAN S INVESTMENT OPTIONS,

More information

Wells Fargo Advantage Dow Jones Target Date Funds SM

Wells Fargo Advantage Dow Jones Target Date Funds SM Wells Fargo Advantage Dow Jones Target Date Funds SM Annual Report February 28, 2015 Wells Fargo Advantage Dow Jones Target Today Fund SM Wells Fargo Advantage Dow Jones Target 2010 Fund SM Wells Fargo

More information

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Retire Funds. Financial Reports May 31, 2015

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Retire Funds. Financial Reports May 31, 2015 TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Financial Reports May 31, 2015 Contents Independent Auditor s Report 1-2 Financial Statements Statements of Financial

More information

MainStay VP Janus Balanced Portfolio

MainStay VP Janus Balanced Portfolio Summary Prospectus May 1, 2015 MainStay VP Janus Balanced Portfolio To Statutory Prospectus To Statement of Additional Information Before you invest, you may want to review the Portfolio's Prospectus,

More information

Fixed-income opportunity: Short duration high yield

Fixed-income opportunity: Short duration high yield March 2014 Insights from: An income solution for a low or rising interest-rate environment Generating income is a key objective for many investors, and one that is increasingly difficult to achieve in

More information

30% 5% of fixed income mutual funds paid capital gains in 2015

30% 5% of fixed income mutual funds paid capital gains in 2015 FIXED INCOME ETFs: NEW ASSET CLASS, SAME BENEFITS Exchange Traded Funds ( ETFs ) first appealed to equity investors, providing efficient access to the world s stock markets and they have revolutionized

More information

Retirement Balanced Fund

Retirement Balanced Fund SUMMARY PROSPECTUS TRRIX October 1, 2015 T. Rowe Price Retirement Balanced Fund A fund designed for retired investors seeking capital growth and income through investments in a combination of T. Rowe Price

More information

Class / Ticker Symbol Fund Name Class A Class C Class C1 Class I

Class / Ticker Symbol Fund Name Class A Class C Class C1 Class I Mutual Funds Prospectus August 31, 2011 Nuveen Municipal Bond Funds Dependable, tax-free income because it s not what you earn, it s what you keep. Class / Ticker Symbol Fund Name Class A Class C Class

More information

Why high-yield municipal bonds may be attractive in today s market environment

Why high-yield municipal bonds may be attractive in today s market environment Spread Why high-yield municipal bonds may be attractive in today s market environment February 2014 High-yield municipal bonds may be attractive given their: Historically wide spreads Attractive prices

More information

Government Money Market Fund Summary

Government Money Market Fund Summary Government Money Market Fund Summary Class/Ticker: Institutional Class - GVIXX Summary Prospectus July 1, 2015 Link to Prospectus Link to SAI Before you invest, you may want to review the Fund's prospectus,

More information

Nuveen Tactical Market Opportunities Fund

Nuveen Tactical Market Opportunities Fund Nuveen Tactical Market Opportunities Fund Summary Prospectus January 29, 2016 Ticker: Class A NTMAX, Class C NTMCX, Class I FGTYX This summary prospectus is designed to provide investors with key Fund

More information

Principal Funds, Inc. R-1 Class R-2 Class R-3 Class R-4 Class R-5 Class Prospectus

Principal Funds, Inc. R-1 Class R-2 Class R-3 Class R-4 Class R-5 Class Prospectus Principal Funds, Inc. R-1 Class R-2 Class R-3 Class R-4 Class R-5 Class Prospectus March 1, 2011 PRINCIPAL FUNDS, INC. R-1 CLASS SHARES R-3 CLASS SHARES R-5 CLASS SHARES R-2 CLASS SHARES R-4 CLASS SHARES

More information

Wells Fargo & Company 401(k) Plan Comparative Fee Disclosure Chart

Wells Fargo & Company 401(k) Plan Comparative Fee Disclosure Chart Investment options as of October 1, 2015 & Company 401(k) Plan Comparative Fee Disclosure Chart This document includes important information to help you understand the fees associated with the investment

More information

Stable Value Option. New York Life Insurance Company Anchor Account III As of 9/30/2011 INVESTMENT OBJECTIVE SECTOR DIVERSIFICATION. Cash --- 5.

Stable Value Option. New York Life Insurance Company Anchor Account III As of 9/30/2011 INVESTMENT OBJECTIVE SECTOR DIVERSIFICATION. Cash --- 5. Stable Value Option The Stable Value Option seeks to provide a low-risk stable investment, offering competitive yields and limited volatility, with guarantee of principal and accumulated interest. Until

More information

NORTHEASTERN UNIVERSITY NORTHEASTERN UNIVERSITY SUPPLEMENTAL PLAN

NORTHEASTERN UNIVERSITY NORTHEASTERN UNIVERSITY SUPPLEMENTAL PLAN NORTHEASTERN UNIVERSITY NORTHEASTERN UNIVERSITY SUPPLEMENTAL PLAN OPEN YOUR RETIREMENT ACCOUNT ENROLLMENT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8 a.m. to 10 p.m.,

More information