County of Orange /02 Investment Performance as of 04/29/2016

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

1 County of Orange /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 not a guarantee or prediction of future results. For performance data current to the most recent month-end, please visit Please consider the investment objectives, risks, fees and expenses carefully before investing. For this and other important information about investments offered through your plan, you may obtain mutual fund prospectuses for registered investment options and /or disclosure documents from your registered representative or Plan website. For prospectuses related to investments in your Self-Directed Brokerage Account (SDBA), contact your SDBA provider. Read them carefully before investing. For additional fund information, please refer to the Fund Fact Sheet or Prospectus. Returns as of Month Ending 04/29/2016 Returns as of Quarter Ending 03/31/2016 Calendar Year Returns Ticker Gross/Net Inception 14 Expense Ratio Date 1 Month YTD 1 Year 3 Year 5 Year Inception 3 1 Year 3 Year 5 Year Month Inception Asset Allocation PIMCO Inflation Response MultiAsst Instl 2,15,16 PIRMX 1.10 / N/A N/A The Vanguard Target Retire 2010 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2015 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2020 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2025 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2030 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2035 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2040 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2045 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2050 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2055 Trust II 2,16 N/A 0.11 / The Vanguard Target Retire 2060 Trust II 2,16 N/A 0.11 / N/A N/A The Vanguard Target Retire Incm Trust II 2,16 N/A 0.11 / International Artisan International Instl 5,16 APHIX 0.95 / Dodge & Cox International Stock 5,16 DODFX 0.64 / Vanguard Total Intl Stock Index Admiral 5,16 VTIAX 0.12 / MSCI EAFE Index 1,3,4,9 N/A - / Small Cap Invesco Small Cap Growth R6 6,16 GTSFX 0.73 / May Investment Options at a Glance Page 1 of 7

2 Ticker Gross/Net Inception 14 Expense Ratio Date 1 Month Returns as of Month Ending 04/29/2016 Returns as of Quarter Ending 03/31/2016 Calendar Year Returns YTD 1 Year 3 Year 5 Year Inception 3 1 Year 3 Year 5 Year Month Inception Vanguard Small Cap Index Instl 6,16 VSCIX 0.07 / William Blair Small Cap Value I 6,16 BVDIX 1.24 / Russell 2000 Index 1,3,4,12 N/A - / Mid Cap RidgeWorth Mid-Cap Value Equity I 8,16 SMVTX 1.10 / A M G TimesSquare Mid Cap Growth Instl 8,16 TMDIX 1.03 / Vanguard Mid Cap Index Ins 8,16 VMCIX 0.07 / S & P MidCap 400 Index 1,3,4,11 N/A - / Large Cap BlackRock Equity Index - Collective F N/A 0.02 / Fidelity Contrafund K 16 FCNKX 0.61 / Fidelity OTC K 16 FOCKX 0.72 / Invesco Growth and Income R6 16 GIFFX 0.38 / T. Rowe Price Instl Large Cap Growth 16 TRLGX 0.56 / Bond S & P 500 Index 1,3,4,10 N/A - / Loomis Sayles Core Plus Bond N 7,16 NERNX 0.40 / N/A Vanguard Total Bond Market Index Inst 7,16 VBTIX 0.05 / Fixed Barclays Capital Aggregate Bond Index 1,3,4,13 N/A - / County of Orange Stable Value Fund N/A 0.32 / N/A N/A N/A N/A N/A These returns and fund operating expenses are expressed as percentages. 3, 5 and Inception returns shown are annualized. For Inception, if the fund was not in existence for 10 years, returns shown are since inception. If the fund is less than one year old, returns are not annualized. Performance returns reflect a deduction for fund operating expenses. Your Plan may also assess an administrative fee which would reduce the performance quoted above. For information related to investments in your Self-Directed Brokerage (SDB) account, contact TD Ameritrade at or Please consider the investment objectives, risks, fees and expenses carefully before investing. The prospectus contains this and other information about the investment options. Depending on the investment options offered in your Plan, your registered representative can provide you with prospectuses for any mutual funds; any applicable annuity contracts and the annuity's underlying funds; and/or disclosure documents for investment options exempt from SEC registration. For prospectuses related to investments in your Self-Directed Brokerage Account (SDBA), contact your SDBA provider. Please read them carefully before investing. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. For more information, see the fund's prospectus and/or disclosure documents. Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Brokerage services provided by TD Ameritrade Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. All rights reserved. Used with permission. Additional information can be obtained by calling TD Ameritrade at (866) TD Ameritrade and GWFS Equities, Inc. are separate and unaffiliated. May Investment Options at a Glance Page 2 of 7

3 You will receive a separate statement from your Self-Directed Brokerage Account (SDBA) provider (depending on the provider and/or the activity within your SDBA) that will detail the investment holdings and activity within your SDBA, including any fees and charges imposed in connection with the SDBA. Empower Retirement(TM) refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: White Plains, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks, and design elements used are owned by GWL&A. Expense ratios provided are the Funds' total annual operating expense ratios, gross of any fee waivers or expense reimbursement. Plan logos are owned by the plan. All other logos, registered trademarks and service marks are owned by Great-West Life & Annuity Insurance Company. The County of Orange logo and its design elements are owned by the County of Orange. Other than those owned by the County of Orange or indicated otherwise, the trademarks and service marks and design elements used are owned by Great-West Life & Annuity Insurance Company. 1 Performance returns were not available at the time of production. Performance returns will be published once the information becomes available. 2 Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. For more information, see the prospectus and/or disclosure documents. 3 A benchmark index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Therefore, performance of a fund will generally be less than its benchmark index. You cannot invest directly in a benchmark index. 4 Benchmark index returns are supplied by Morningstar, Inc. There may be another benchmark that is more specific to each of the funds listed under the broad asset class. Please refer to the fund's prospectus for more specific information as to the fund's actual benchmark index. 5 Foreign funds involve special risks, including currency fluctuations and political developments. 6 Equity securities of small-sized companies may be more volatile than securities of larger, more established companies. 7 Compared to higher-rated securities, high yield bond investment options are subject to greater risk, including the risk of default. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa. 8 Equity securities of medium-sized companies may be more volatile than securities of larger, more established companies. 9 Copyright Morgan Stanley Capital International, Inc All Rights Reserved. Unpublished. PROPRIETARY TO MORGAN STANLEY CAPITAL INTERNATIONAL INC. 10 S&P 500 Index is an unmanaged index considered indicative of the domestic Large-Cap equity market. "Standard & Poor's ", "S&P ", "S&P 500 ", and "Standard & Poor's 500 " are registered trademarks of Standard & Poor's Financial Services LLC ("Standard & Poor's"). 11 S&P MidCap 400 Index is an unmanaged index considered indicative of the domestic Mid-Cap equity market. "Standard & Poor's ", "S&P ", "S&P 400 ", and "Standard & Poor's 400 " are registered trademarks of Standard & Poor's Financial Services LLC ("Standard & Poor's"). 12 Russell 2000 Index is a trademark of Russell Investments and is an unmanaged index considered indicative of the domestic Small-Cap equity market. 13 Barclays Capital U.S. Aggregate Bond Index is an unmanaged index representative of the broad bond market and is composed of government and corporate bonds, mortgage-backed bonds and asset-backed bonds. 14 Expense ratios provided are the Funds' total annual operating expense ratios, gross of any fee waivers or expense reimbursement 15 The Fund has a Contractual Expense Ratio Waiver in the amount of.33% which expires on 31-JUL Copyright 2016 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. Past performance is no guarantee of future results. May Investment Options at a Glance Page 3 of 7

4 County of Orange /02 Fund Objectives as of 04/29/2016 Please consider the investment objectives, risks, fees and expenses carefully before investing. For this and other important information about investments offered through your plan, you may obtain mutual fund prospectuses for registered investment options and /or disclosure documents from your registered representative or Plan website. For prospectuses related to investments in your Self-Directed Brokerage Account (SDBA), contact your SDBA provider. Read them carefully before investing. For additional fund information, please refer to the Fund Fact Sheet or Prospectus. Asset Allocation PIMCO Inflation Response MultiAsst Instl The Vanguard Target Retire 2010 Trust II The Vanguard Target Retire 2015 Trust II The Vanguard Target Retire 2020 Trust II The Vanguard Target Retire 2025 Trust II The Vanguard Target Retire 2030 Trust II The Vanguard Target Retire 2035 Trust II The Vanguard Target Retire 2040 Trust II The investment seeks total return which exceeds that of its benchmark. The fund invests in a combination of Fixed Income Instruments of varying maturities, equity securities, affiliated and unaffiliated investment companies, which may or may not be registered under the Investment Company Act of 1940, as amended (the "1940 Act"), forwards and derivatives, such as options, futures contracts or swap agreements, of various asset classes in seeking to mitigate the negative effects of inflation. It may invest up to 25% of its total assets in equity-related investments. Vanguard Target Retirement 2010 Trust Plus uses an asset allocation strategy designed for investors who planned to retire between 2008 and The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Stock Index Fund, Total International Bond Index Fund, and Short-Term Inflation-Protected Index Fund. Vanguard Target Retirement 2015 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2013 and The trust following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, Short-Term Inflation-Protected Securities Index Fund, and Total Vanguard Target Retirement 2020 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2018 and The trust Vanguard Target Retirement 2025 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2023 and The trust Vanguard Target Retirement 2030 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2028 and The trust Vanguard Target Retirement 2035 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2033 and The trust Vanguard Target Retirement 2040 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2038 and The trust May Investment Options at a Glance Page 4 of 7

5 The Vanguard Target Retire 2045 Trust II The Vanguard Target Retire 2050 Trust II The Vanguard Target Retire 2055 Trust II The Vanguard Target Retire 2060 Trust II The Vanguard Target Retire Incm Trust II Vanguard Target Retirement 2045 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2043 and The trust Vanguard Target Retirement 2050 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2048 and The trust Vanguard Target Retirement 2055 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2053 and The trust Vanguard Target Retirement 2060 Trust Plus uses an asset allocation strategy designed for investors planning to retire between 2058 and The trust Vanguard Target Retirement Income Trust Plus uses an asset allocation strategy designed for investors currently in retirement. The trust seeks to provide current income and some capital appreciation by investing in a mix of the following five Vanguard funds: Total Bond Market II Index Fund, Total Stock Market Index Fund, Total International Bond Index Fund, Short-Term Inflation-Protected Securities Index Fund, and Total International Artisan International Instl 5 Dodge & Cox International Stock 5 Vanguard Total Intl Stock Index Admiral 5 The investment seeks maximum long-term capital growth. The fund invests primarily in developed markets but also may invest up to 35% of the fund's total assets at market value at the time of purchase in emerging and less developed markets. Under normal market conditions, the fund is substantially fully invested in common stocks and similar securities, and invests at least 65% of its net assets at market value at the time of purchase in securities of non-u.s. companies. The investment seeks long-term growth of principal and income. Under normal circumstances, the fund will invest at least 80% of its total assets in equity securities of non-u.s. companies, including common stocks, depositary receipts evidencing ownership of common stocks, preferred stocks, securities convertible into common stocks, and securities that carry the right to buy common stocks. The fund typically invests in medium-to-large well-established companies based on standards of the applicable market. The investment seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States. The fund employs an indexing investment approach designed to track the performance of the FTSE Global All Cap ex US Index, a float-adjusted market-capitalization-weighted index designed to measure equity market performance of companies located in developed and emerging markets, excluding the United States. The index includes approximately 5,715 stocks of companies located in 45 countries. Small Cap Invesco Small Cap Growth R6 6 Vanguard Small Cap Index Instl 6 William Blair Small Cap Value I 6 The investment seeks long-term growth of capital. The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in securities of small-capitalization issuers. It invests primarily in equity securities. The principal type of equity security in which the fund invests is common stock. The fund's managers consider an issuer to be a small-capitalization issuer if it has a market capitalization, at the time of purchase, no larger than the largest capitalized issuer included in the Russell 2000(R) Index. The investment seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Small Cap Index, a broadly diversified index of stocks of small U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. The investment seeks long-term capital appreciation. The fund normally invests at least 80% of its total assets in equity securities of small capitalized ("small cap") companies. It invests primarily in a diversified portfolio of equity securities, including common stocks and other forms of equity investments, of small cap domestic companies that the advisor believes offer a long- term investment value. For purposes of the fund, the advisor considers a company to be a small cap company if it has a market capitalization no larger than the largest capitalized company included in the Russell 2000(R) Value Index at the time of the fund's investment. May Investment Options at a Glance Page 5 of 7

6 Mid Cap RidgeWorth Mid-Cap Value Equity I 8 A M G TimesSquare Mid Cap Growth Instl 8 Vanguard Mid Cap Index Ins 8 The investment seeks to provide capital appreciation; current income is a secondary objective. The fund invests at least 80% of its net assets (plus any borrowings for investment purposes) in U.S.-traded equity securities of mid-capitalization companies. The subadvisor considers mid-capitalization companies to be companies with market capitalizations similar to those of companies in the Russell Midcap(R) Index. The investment seeks to achieve long-term capital appreciation. The fund invests at least 80% of its net assets, plus the amount of any borrowings for investment purposes, in common and preferred stocks of U.S. mid-capitalization companies. The subadvisor considers the term "mid-capitalization companies" to refer to companies that, at the time of purchase, are within the range of capitalizations of companies in the Russell Midcap(R) Growth Index. The investment seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Mid Cap Index, a broadly diversified index of stocks of mid-size U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. Large Cap BlackRock Equity Index - Collective F Fidelity Contrafund K Fidelity OTC K Invesco Growth and Income R6 T. Rowe Price Instl Large Cap Growth The Fund is an "index fund" that seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of a particular index (its "Underlying Index"). The Fund is a collective investment trust maintained and managed by BlackRock Institutional Trust Company, N.A. ("BTC"). The Fund shall be invested and reinvested in a portfolio of equity securities with the objective of approximating as closely as practicable the capitalization weighted total rate of return of that segment of the United States market for publicly traded equity securities represented by the larger capitalized companies. The criterion for selection of investments shall be the S&P 500 Index. BTC uses a "passive" or indexing approach to try to achieve the Fund's investment objective. Unlike many funds, the Fund does not try to outperform the index it seeks to track and does not seek temporary defensive positions when markets decline or appear overvalued. BTC uses a replication indexing strategy to manage the Fund. "Replication" is an indexing strategy in which the Fund generally invests in substantially all of the securities in its Underlying Index in approximately the same proportions as in the Underlying Index. When deemed appropriate by BTC and unless otherwise provided in the Fund's investment strategies, BTC may invest all or any portion of the Fund in one or more futures contracts, forward contracts or other similar assets for the purpose of acting as a temporary substitute for investment in securities. The Fund may invest through one or a series of collective investment trusts maintained and managed by BTC. In the event of a conflict between this summary description of the Fund's investment objective and principal investment strategies and the Trust Document under which the Fund was established, the Trust Document will govern. For more information related to the Fund, please see the Fund's Trust Document, Profile and most recent audited financial stateme The investment seeks capital appreciation. The fund normally invests primarily in common stocks. It invests in securities of companies whose value the advisor believes is not fully recognized by the public. The fund invests in domestic and foreign issuers. It invests in either "growth" stocks or "value" stocks or both. The fund uses fundamental analysis of factors such as each issuer's financial condition and industry position, as well as market and economic conditions to select investments. The investment seeks capital appreciation. The fund invests primarily in common stocks. It normally invests at least 80% of assets in securities principally traded on NASDAQ or an over-the-counter (OTC) market, which has more small and medium-sized companies than other markets. The fund invests more than 25% of total assets in the technology sector. It invests in domestic and foreign issuers. The fund invests in either "growth" stocks or "value" stocks or both. It is non-diversified. The investment seeks total return through growth of capital and current income. Under normal market conditions, the fund's investment adviser seeks to achieve the fund's investment objective by investing primarily in income-producing equity securities, which include common stocks and convertible securities. It may invest in securities of issuers of all capitalization sizes; however, a substantial number of the issuers in which the fund invests are large-capitalization issuers. The fund may invest up to 25% of its net assets in securities of foreign issuers, which may include depositary receipts. The investment seeks to provide long-term capital appreciation through investments in common stocks of growth companies. In taking a growth approach to stock selection, the fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes) in the common stocks of large-cap companies. The advisor defines a large-cap company as one whose market capitalization is larger than the median market capitalization of companies in the Russell 1000 Growth Index, a widely used benchmark of the largest U.S. growth stocks. The fund is non-diversified. Bond Loomis Sayles Core Plus Bond N 7 The investment seeks high total investment return through a combination of current income and capital appreciation. Under normal market conditions, the fund will invest at least 80% of its net assets (plus any borrowings made for investment purposes) in bonds, which include debt securities of any maturity. In addition, it will invest at least 65% of its net assets in investment grade securities. The fund will generally seek to maintain an effective duration of +/- 2 years relative to the Barclays U.S. Aggregate Bond Index. May Investment Options at a Glance Page 6 of 7

7 Vanguard Total Bond Market Index Inst 7 The investment seeks the performance of a broad, market-weighted bond index. The fund employs an indexing investment approach designed to track the performance of the Barclays U.S. Aggregate Float Adjusted Index. This index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of the fund's investments will be selected through the sampling process, and at least 80% of the fund's assets will be invested in bonds held in the index. Fixed County of Orange Stable Value Fund The County of Orange Stable Value Fund is designed to be a conservative investment option that seeks to provide safety of principal and a stable credited rate of return, while generating competitive returns over time compared to other comparable investments. Expense ratios provided are the Funds' total annual operating expense ratios, gross of any fee waivers or expense reimbursement. You will receive a separate statement from your Self-Directed Brokerage Account (SDBA) provider (depending on the provider and/or the activity within your SDBA) that will detail the investment holdings and activity within your SDBA, including any fees and charges imposed in connection with the SDBA. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. For more information, see the fund's prospectus and/or disclosure documents. For information related to investments in your Self-Directed Brokerage (SDB) account, contact TD Ameritrade at or Empower Retirement(TM) refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: White Plains, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks, and design elements used are owned by GWL&A. Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Brokerage services provided by TD Ameritrade Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. All rights reserved. Used with permission. Additional information can be obtained by calling TD Ameritrade at (866) TD Ameritrade and GWFS Equities, Inc. are separate and unaffiliated. Please consider the investment objectives, risks, fees and expenses carefully before investing. The prospectus contains this and other information about the investment options. Depending on the investment options offered in your Plan, your registered representative can provide you with prospectuses for any mutual funds; any applicable annuity contracts and the annuity's underlying funds; and/or disclosure documents for investment options exempt from SEC registration. For prospectuses related to investments in your Self-Directed Brokerage Account (SDBA), contact your SDBA provider. Please read them carefully before investing. 5 Foreign funds involve special risks, including currency fluctuations and political developments. 6 Equity securities of small-sized companies may be more volatile than securities of larger, more established companies. 7 Compared to higher-rated securities, high yield bond investment options are subject to greater risk, including the risk of default. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa. 8 Equity securities of medium-sized companies may be more volatile than securities of larger, more established companies. May Investment Options at a Glance Page 7 of 7

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

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

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

Investment Options at a Glance

Investment Options at a Glance Investment Options at a Glance S A V E M O N E Y A N D R E T I R E T O M O R R O W INVESTMENT OPTION RETURNS FOR THE MONTH ENDING MAY 3, 206 VARIABLE INVESTMENT OPTIONS AVERAGE ANNUAL RETURN TARGET DATE

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

Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan

Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan 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,

More information

LifePath Index 2060 Fund Q

LifePath Index 2060 Fund Q Release Date: 9-3-215 LifePath Index 26 Fund Q Standard & Poor's 5 Index LifePath Index 26 Custom Target Date 251+... Allocation of Stocks and Bonds 1 8 6 4 2 45 4 35 3 25 2 15 1 5 Years Until Retirement

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

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

smart Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan INVEST

smart Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan INVEST smart S A V E M O N E Y A N D R E T I R E T O M O R R O W INVEST Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer

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

Start saving for retirement today. The Family Dollar 401(k) Plan S A V I N G F O R T H E F U T U R E : I T S I N Y O U R H A N D S.

Start saving for retirement today. The Family Dollar 401(k) Plan S A V I N G F O R T H E F U T U R E : I T S I N Y O U R H A N D S. S A V I N G F O R T H E F U T U R E : I T S I N Y O U R H A N D S. Start saving for retirement today Determine how much to save Choose your investment options Enroll at wellsfargo.com The Family Dollar

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

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

Participant Guide to Understanding Fee Disclosure

Participant Guide to Understanding Fee Disclosure Participant Guide to Understanding Fee Disclosure The cost to maintain a high-quality plan In the spirit of the fee disclosure rules issued by the U.S. Department of Labor (DOL), the Minnesota Deferred

More information

Invest in your retirement and your yourself today,

Invest in your retirement and your yourself today, Invest in your retirement and your yourself today, with help from the St. Luke s Health System Matched 403(b) Plan and 401(a) Matching Plan Enrollment Guide Because we VALUE a healthy retirement Invest

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

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

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

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

SUPPLEMENT SEPTEMBER 2015 TO THE VANGUARD 529 COLLEGE SAVINGS PLAN PROGRAM DESCRIPTION DATED NOVEMBER 2014

SUPPLEMENT SEPTEMBER 2015 TO THE VANGUARD 529 COLLEGE SAVINGS PLAN PROGRAM DESCRIPTION DATED NOVEMBER 2014 SUPPLEMENT SEPTEMBER 2015 TO THE VANGUARD 529 COLLEGE SAVINGS PLAN PROGRAM DESCRIPTION DATED NOVEMBER 2014 Please keep this Supplement, which describes important changes, with your other Vanguard 529 College

More information

Basic Investment Education

Basic Investment Education Basic Investment Education Mutual Funds How it works Money is pooled with the money of other investors who have the same, or mutual, investment goals Professional manager buys and sells according to investment

More information

MetLife Resources Gold Track Select. Portfolio Summary

MetLife Resources Gold Track Select. Portfolio Summary MetLife Resources Gold Track Select Portfolio Summary Read below and learn more about the underlying funding choices available in the Gold Track Select variable annuity. (Within each asset class, funding

More information

Making Sense of Market Volatility: Retirement Planning Strategies for the Everyday Investor. October, 2008

Making Sense of Market Volatility: Retirement Planning Strategies for the Everyday Investor. October, 2008 Making Sense of Market Volatility: Retirement Planning Strategies for the Everyday Investor October, 2008 1 Market Ups and Downs Recent news is full of anxiety-causing developments: Credit crunch Bank

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

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

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

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

Tennessee Consolidated Retirement System. New Hybrid Pension Plan with Cost Controls

Tennessee Consolidated Retirement System. New Hybrid Pension Plan with Cost Controls Tennessee Consolidated Retirement System New Hybrid Pension Plan with Cost Controls 1 Publications via http://tcrs.tn.gov 2 Current Plan (Legacy) Defined Benefit plan Benefits are calculated with a set

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

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

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

Insurance Dedicated Funds: Variable Insurance Trusts

Insurance Dedicated Funds: Variable Insurance Trusts At a Glance September 2015 Insurance Dedicated Funds: Variable Insurance Trusts Our goal at GSAM is to meet the financial goals of investors worldwide, now and in the future, with innovative investment

More information

Your Guide to Getting Started

Your Guide to Getting Started The Scripps Research Institute Faculty and Management Retirement Plan Invest in your retirement and yourself today, with help from TSRI Faculty and Management Retirement Plan and Fidelity. Your Guide to

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

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS General Information This Glossary of Investment-Related Terms for National Electrical Annuity Plan Participants (the

More information

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Sunrise Retirement Funds

TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Sunrise Retirement Funds TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Financial Reports May 31, 2014 (Liquidation Date) Contents Independent Auditor s Report 1-2 Financial Statements Statements

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

smart S A V E M O N E Y A N D R E T I R E T O M O R R O W Two Paths to Investing for Retirement Which one is right for you?

smart S A V E M O N E Y A N D R E T I R E T O M O R R O W Two Paths to Investing for Retirement Which one is right for you? smart S A V E M O N E Y A N D R E T I R E T O M O R R O W I N V E S T Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of State Treasurer

More information

Vanguard U.S. Stock ETFs Prospectus

Vanguard U.S. Stock ETFs Prospectus Vanguard U.S. Stock ETFs Prospectus April 27, 2016 Exchange-traded fund shares that are not individually redeemable and are listed on NYSE Arca Vanguard Total Stock Market Index Fund ETF Shares (VTI) Vanguard

More information

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

Trustee 401(k) program. Designed for employee success with additional fiduciary protection

Trustee 401(k) program. Designed for employee success with additional fiduciary protection Trustee 401(k) program Designed for employee success with additional fiduciary protection Fulfill your commitment to help employees attain a secure retirement. It s easier than you might think. Your employees

More information

Your Guide to Getting Started

Your Guide to Getting Started PetSmart, Inc. SaveSmart 401(k) Plan Invest in your retirement and yourself today, with help from The SaveSmart 401(k) Plan and Fidelity. Your Guide to Getting Started Invest some of what you earn today

More information

Today. Start saving for retirement today

Today. Start saving for retirement today THE WORLD BANK BELIEVE IN TOMORROW. Today. Start saving for retirement today Determine how much to save Choose your investment options Enroll at www.worldbankretirement.com or 1-800-728-3123 The World

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

Prospectus Socially Responsible Funds

Prospectus Socially Responsible Funds Prospectus Socially Responsible Funds Calvert Social Investment Fund (CSIF) Balanced Portfolio Equity Portfolio Enhanced Equity Portfolio Bond Portfolio Money Market Portfolio Calvert Social Index Fund

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

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

Investing Toward Retirement

Investing Toward Retirement ONS Congress 2013 Investing Toward Retirement Janet L Marcantonio, CFP, CRPC Thomas Robinson, CFP Marcantonio Robinson Wealth Advisory Group UBS Financial Services 1 Learning objectives Understand the

More information

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity.

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. University System of Maryland Supplemental 403(b) Plan (#65612) Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. Invest some of

More information

LVIP Dimensional Non-U.S. Equity RPM Fund. Summary Prospectus April 30, 2013

LVIP Dimensional Non-U.S. Equity RPM Fund. Summary Prospectus April 30, 2013 LVIP Dimensional Non-U.S. Equity RPM Fund (formerly LVIP Dimensional Non-U.S. Equity Fund) (Standard and Service Class) Summary Prospectus April 30, 2013 Before you invest, you may want to review the Fund

More information

Barnes Group Inc. Retirement Savings Plan. Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity.

Barnes Group Inc. Retirement Savings Plan. Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity. Barnes Group Inc. Retirement Savings Plan Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish

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

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

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED Huntington Memorial Hospital Retirement Savings Plan Invest in your retirement and yourself today, with help from the HMH Retirement Savings Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

New York State Deferred Compensation Plan

New York State Deferred Compensation Plan GUIDE TO INVESTMENT OPTIONS, FEES AND EXCHANGE PROVISIONS New York State Deferred Compensation Plan nysdcp.com 800-422-8463 About this Investment Information This Investment Options Guide is intended to

More information

Your Journey to Retirement

Your Journey to Retirement Your Journey to Retirement Wisconsin Deferred Compensation (WDC) Program June 2013 Great-West Retirement Services A division of Great-West Financial SM ( Great-West Financial ) Representing more than 4.7

More information

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity.

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Indiana University

More information

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity.

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity. State of Maryland - Institutions of Higher Education Optional Retirement Plan (ORP) Plan No. 65575 Start investing in yourself today, with help from the State of Maryland - Institutions of Higher Education

More information

Security Life of Denver Insurance Company

Security Life of Denver Insurance Company P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Voya Variable Universal Life-ECV Average Annual Total Returns as of: 11/30/2015 (shown in percentages) Mutual funds offered through

More information

Seix Total Return Bond Fund

Seix Total Return Bond Fund Summary Prospectus Seix Total Return Bond Fund AUGUST 1, 2015 (AS REVISED FEBRUARY 1, 2016) Class / Ticker Symbol A / CBPSX R / SCBLX I / SAMFX IS / SAMZX Before you invest, you may want to review the

More information

Supplement to the Prospectus and Summary Prospectuses Dated April 28, 2015

Supplement to the Prospectus and Summary Prospectuses Dated April 28, 2015 Vanguard Large-Cap ETF Vanguard Growth ETF Vanguard Value ETF Vanguard Mid-Cap ETF Vanguard Mid-Cap Growth ETF Vanguard Mid-Cap Value ETF Vanguard Small-Cap ETF Vanguard Small-Cap Growth ETF Vanguard Small-Cap

More information

New York State Deferred Compensation Plan

New York State Deferred Compensation Plan Guide to investment options, fees and exchange provisions New York State Deferred Compensation Plan nysdcp.com 800-422-8463 About this Investment Information This Investment Options Guide is intended to

More information

Investment options insights A look at Investment Choices for VUL III Variable Universal Life Insurance

Investment options insights A look at Investment Choices for VUL III Variable Universal Life Insurance An Educational Guide for Consumers Investment options insights A look at Investment Choices for VUL III Variable Universal Life Insurance Investment Strategies This brochure must be preceded or accompanied

More information

Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale)

Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale) Summary Prospectus October 30, 2015 Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale) Before you invest, you may want to review the Fund s Prospectus, which

More information

Dow Jones Target Date Funds

Dow Jones Target Date Funds Wells Fargo Advantage Funds July 1, 2015 Dow Jones Target Date Funds Prospectus Classes A, B, C Target Today Fund Class A STWRX, Class B WFOKX, Class C WFODX Target 2010 Fund Class A STNRX, Class B SPTBX,

More information

Micro-Cap Investing. The Market s Smallest Stocks Offer Big Potential for Long-Term Investors

Micro-Cap Investing. The Market s Smallest Stocks Offer Big Potential for Long-Term Investors Micro-Cap Investing The Market s Smallest Stocks Offer Big Potential for Long-Term Investors Micro-cap stocks, the smallest publicly traded companies, present a unique opportunity for long-term investors.

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

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

Monthly Plan Performance Update

Monthly Plan Performance Update Monthly Plan Performance Update ALNYLAM PHARMACEUTICALS, INC. - ALNYLAM (19063) DOW JONES 30 INDUSTRIAL AVERAGE BARCLAYS CAPITAL U.S. AGGREGATE BOND INDEX 04/30/2015 0.45 4.52 0.78 04/30/2015 10.11 13.29

More information

CCOERA TARGET DATE FUNDS. Here is an example of how a CCOERA Target Date Fund will change over time. 36 years old AGGRESSIVE TO CONSERVATIVE

CCOERA TARGET DATE FUNDS. Here is an example of how a CCOERA Target Date Fund will change over time. 36 years old AGGRESSIVE TO CONSERVATIVE FOCUS One fund may be all that s needed CCOERA TARGET DATE FUNDS The CCOERA Target Date Funds are designed to simplify the way you invest your retirement savings. Fact Sheets Simply select one (1) diversified

More information

GREAT-WEST CAPITAL MANAGEMENT, LLC (GWCM) RESEARCH NOTE JUNE 2015

GREAT-WEST CAPITAL MANAGEMENT, LLC (GWCM) RESEARCH NOTE JUNE 2015 GREAT-WEST CAPITAL MANAGEMENT, LLC (GWCM) RESEARCH NOTE JUNE 2015 An Inflection Point for Money Market Funds? New regulations related to money market funds will have significant impacts to plan sponsors

More information

PIMCO Foreign Bond Fund (U.S. Dollar- Hedged)

PIMCO Foreign Bond Fund (U.S. Dollar- Hedged) Your Global Investment Authority PIMCO Foreign Bond Fund (U.S. Dollar- Hedged) SUMMARY PROSPECTUS July 31, 2015 (as supplemented December 1, 2015) Share Class: Inst P Admin D A C R Ticker: PFORX PFBPX

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

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

The Bright Start College Savings Program Direct-Sold Plan. Supplement dated January 30, 2015 to Program Disclosure Statement dated November 12, 2012

The Bright Start College Savings Program Direct-Sold Plan. Supplement dated January 30, 2015 to Program Disclosure Statement dated November 12, 2012 The Bright Start College Savings Program Direct-Sold Plan Supplement dated January 30, 2015 to Program Disclosure Statement dated November 12, 2012 This supplement amends the Program Disclosure Statement

More information

SDBA Investment Options

SDBA Investment Options October 2013 FRS Offers a New Way to Invest: Self-Directed Brokerage Accounts...1 Quarterly Fund Performance Summary...2 Proposed Investment Fund Changes Seek Greater Returns...5 The Investment Plan TIPS

More information

(expenses that you pay each year as a percentage of the value of your investment)

(expenses that you pay each year as a percentage of the value of your investment) July 31, 2015 SUMMARY PROSPECTUS SAAT Core Market Strategy Allocation Fund (SKTAX) Class A Before you invest, you may want to review the Fund s prospectus, which contains information about the Fund and

More information

Investment Options AMERICAN CENTURY HERITAGE CLASS A (ATHAX.LW) AMERICAN CENTURY STRAT ALLOC CLASS A (ACVAX.LW) CALVERT INCOME FUND CLASS A (CFICX.

Investment Options AMERICAN CENTURY HERITAGE CLASS A (ATHAX.LW) AMERICAN CENTURY STRAT ALLOC CLASS A (ACVAX.LW) CALVERT INCOME FUND CLASS A (CFICX. Investment Options With a Health Savings Account (HSA), you can keep and roll over any dollars remaining in your account at the end of the year. Over time, you can build a nest egg of savings in your ACS

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

LOUISIANA Public Employees Deferred Compensation Plan

LOUISIANA Public Employees Deferred Compensation Plan LOUISIANA Public Employees Deferred Compensation Plan PLAN FEATURES AND HIGHLIGHTS THE LOUISIANA PUBLIC EMPLOYEES 457(B) DEFERRED COMPENSATION PLAN (PLAN) IS A POWERFUL TOOL TO HELP YOU REACH YOUR RETIREMENT

More information

Learn about active and passive investing. Investor education

Learn about active and passive investing. Investor education Learn about active and passive investing Investor education Active, passive or both: Which is right for you? Portfolios can be built using actively managed and index mutual funds either individually or

More information

BOND FUNDS L SHARES. October 1, 2004

BOND FUNDS L SHARES. October 1, 2004 BOND FUNDS A SHARES L SHARES October 1, 2004 CLASSIC INSTITUTIONAL U.S. GOVERNMENT SECURITIES SUPER SHORT INCOME PLUS FUND FLORIDA TAX-EXEMPT BOND FUND GEORGIA TAX-EXEMPT BOND FUND HIGH INCOME FUND INVESTMENT

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

MML SERIES INVESTMENT FUND

MML SERIES INVESTMENT FUND This Prospectus describes the following Funds. MML SERIES INVESTMENT FUND MML Money Market Fund seeks to maximize current income, preserve capital and maintain liquidity by investing in money market instruments.

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 STATE OF NEVADA DEFERRED COMP Separate Account D, Group Annuity Contract Average Annual Returns as of: 05/31/2016 (shown

More information

Investment Options Guide

Investment Options Guide Northwestern 403(b) Retirement Plans Investment Options Guide Please refer to page 7 of the Investment Menu Redesign Guide for details around the effective dates for all investment options in the Northwestern

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

Target Retirement Funds

Target Retirement Funds Prospectus March 1, 2015 Target Retirement Funds Institutional Class Administrative Class Investor Class Harbor Target Retirement Income Fund HARAX HARBX HARCX Harbor Target Retirement 2015 Fund HARGX

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

EP Asia Small Companies Fund EP Latin America Fund EP China Fund Each a series of Investment Managers Series Trust

EP Asia Small Companies Fund EP Latin America Fund EP China Fund Each a series of Investment Managers Series Trust EP Asia Small Companies Fund EP Latin America Fund EP China Fund Each a series of Investment Managers Series Trust Supplement dated June 30, 2015, to the Summary Prospectus dated March 5, 2015, and the

More information

Practical Application for Reporting

Practical Application for Reporting Practical Application for Reporting SECOND QUARTER 2015 Fund Fact Sheets BNY Mellon s Global Risk Solutions product line is now offering Fund Fact Sheets to our US based defined contribution clients. We

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

LVIP Dimensional U.S. Equity RPM Fund. Summary Prospectus April 30, 2013. (formerly LVIP Dimensional U.S. Equity Fund) (Standard and Service Class)

LVIP Dimensional U.S. Equity RPM Fund. Summary Prospectus April 30, 2013. (formerly LVIP Dimensional U.S. Equity Fund) (Standard and Service Class) LVIP Dimensional U.S. Equity RPM Fund (formerly LVIP Dimensional U.S. Equity Fund) (Standard and Service Class) Summary Prospectus April 30, 2013 Before you invest, you may want to review the Fund s Prospectus,

More information

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

More information

Vanguard Target Retirement Funds

Vanguard Target Retirement Funds Vanguard Target Retirement Funds Supplement to the Prospectus Dated January 27, 2014 Prospectus Text Changes The Average Annual Total Returns table for Vanguard Target Retirement Income Fund is replaced

More information

Human Energy. Yours. TM. New Investment Choices in Your ESIP. Your Wealth. New Investment Choices in Your ESIP 1

Human Energy. Yours. TM. New Investment Choices in Your ESIP. Your Wealth. New Investment Choices in Your ESIP 1 Human Energy. Yours. TM New Investment Choices in Your ESIP Your Wealth. New Investment Choices in Your ESIP 1 New Investment Choices in Your ESIP How you invest the money you save in the ESIP is one of

More information

SUPPLEMENT TO THE CURRENTLY EFFECTIVE PROSPECTUSES:

SUPPLEMENT TO THE CURRENTLY EFFECTIVE PROSPECTUSES: SUPPLEMENT TO THE CURRENTLY EFFECTIVE PROSPECTUSES: DWS Blue Chip Fund DWS California Tax-Free Income Fund DWS Capital Growth Fund DWS Core Fixed Income Fund DWS Core Plus Income Fund DWS Disciplined Long/Short

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