SunTrust Rollover Solution Center

Transcription

1 SunTrust Rollover Solution Center Mutual fund categories T he SunTrust Rollover Solution Center can help explain many investment options including a product that allows you to invest your IRA Rollover into mutual funds. These mutual funds fall into general categories, which are described on the right. In general, investments that offer higher risk have yielded higher returns over the long term. However, this is not always true. Look on the following pages for your individual fund performance. When looking at performance numbers, consider your personal time horizon. Many people find the five-year and since inception growth rates helpful in considering long-term investment decisions. Aggressive Growth Funds These funds seek to provide maximum long-term growth. These funds invest in domestic stocks, international stocks or a mixture of both. Growth Funds These funds put an emphasis on growing principal. While these funds tend to be less risky than Aggressive Growth funds, they strive for a balance between growth and level of risk. Balanced Funds These funds seek to provide regular earnings as well as long-term growth. Funds within this category may invest in a combination of both stocks and bonds. Income Funds These funds seek regular, consistent earnings, which are then reinvested into the fund. These funds invest primarily in fixed income or bond securities. Capital Preservation Funds These funds seek to preserve your money without focusing on growth. These generally include cash equivalents and money markets.

2 Aggressive Growth Funds: STI Classic Aggressive Growth Fund (T) SCATX N/A N/A 7.00% N/A N/A N/A 7.00% 02/23/04 STI Classic International Equity Fund (A) SCIIX 18.49% 1.04% 6.34% 3.75% 14.05% 0.27% 8.89% 01/02/96 STI Classic International Equity Index Fund (A) SIIIX 20.39% -2.52% 6.49% 3.75% 15.87% -3.26% 6.09% 06/06/94 STI Classic Mid Cap Value Fund (A) SAMVX 19.70% N/A 26.79% 3.75% 15.21% N/A 22.74% 10/27/03 STI Classic Mid-Cap Equity Fund (A) SCAIX 16.50% 0.88% 8.78% 3.75% 12.13% 0.11% 8.36% 02/01/94 STI Classic Small Cap Growth Stock Fund (A) SCGIX 18.72% 7.88% 8.99% 3.75% 14.26% 7.06% 8.17% 12/12/99 AIM Aggressive Growth (A) AAGFX 11.82% -3.44% 8.78% 5.50% 5.67% -4.52% 8.17% 05/01/84 AIM Constellation Fund (A) CSTGX 6.18% -6.68% 8.01% 5.50% 0.34% -7.73% 7.40% 04/10/67 AIM Global Aggressive Growth (A) AGAAX 24.40% -3.45% 9.71% 4.75% 18.49% -4.39% 9.18% 09/15/94 AIM Global Equity Fund (A) GTNDX 21.64% 2.95% 8.96% 4.75% 15.86% 1.95% 8.24% 09/15/97 AIM Real Estate (A) IARAX 36.01% 24.01% 12.91% 4.75% 29.55% 22.80% 12.23% 12/31/96 AIM Small Cap Growth Fund (A) GTSAX 6.81% -1.75% 12.41% 5.50% 0.93% -2.86% 11.72% 10/18/95 AIM Technology Fund (A) ITYAX 3.46% N/A -6.51% 5.50% -2.23% N/A -7.87% 04/01/02 AllianceBernstein Small Cap Value (A) ABASX 18.91% N/A 18.00% 4.25% 13.86% N/A 16.64% 03/29/01 American Century Emerging Markets Fund (Adv)..... AEMMX 13.17% -0.81% 7.58% N/A 13.17% -0.81% 7.58% 05/12/99 American Century Global Growth (Adv) AGGRX 14.88% -3.11% 7.63% N/A 14.88% -3.11% 7.38% 02/05/99 American Century Real Estate (Adv) AREEX 29.45% 21.62% 17.67% N/A 29.45% 21.62% 17.67% 10/06/98 American Century Small Company (Adv) ASQAX 28.00% N/A 15.25% N/A 28.00% N/A 15.59% 09/07/00 American Century Ultra Fund (Adv) TWUAX 10.38% -6.29% 6.59% N/A 10.38% -6.29% 6.59% 10/02/96 Dreyfus Premier Emerging Markets Fund (A) DRFMX 26.88% 10.38% 10.33% 5.75% 19.58% 9.08% 9.56% 06/28/96 Dreyfus Premier International Value Fund (A) DVLAX 19.80% 4.25% 8.35% 5.75% 12.91% 3.02% 7.65% 09/29/95 Dreyfus Premier New Leaders Fund (A) DNLDX 15.32% 5.70% 12.23% 5.75% 8.69% 4.45% 11.57% 01/29/85 Dreyfus Premier Small Cap Value (A) DSVAX 25.34% 17.05% 10.16% 5.75% 18.14% 15.67% 9.20% 04/01/98 Dreyfus Premier Technology Growth (A) DTGRX 0.30% % 9.19% 5.75% -5.46% % 8.11% 10/14/97 Dreyfus Small Cap Stock Index DISSX 21.37% 10.94% 10.30% N/A 21.37% 10.94% 10.30% 06/30/97 Federated International Small Company (A) ISCAX 20.90% -5.77% 13.72% 5.50% 14.25% -6.83% 12.93% 02/28/96 Federated Kaufmann Fund (A) KAUAX 14.30% N/A 10.44% 5.50% 8.02% N/A 8.69% 04/24/01 Federated Mid Cap Growth Strategies Fund (A) FGSAX 15.19% -5.89% 12.39% 5.50% 8.85% -6.95% 11.76% 08/23/84 Fidelity Advisor Diversified International (T) FADIX 18.68% 3.51% 11.61% 3.50% 14.52% 2.78% 10.95% 12/17/98 Fidelity Advisor Equity Growth Fund (T) FAEGX 2.67% -7.43% 9.92% 3.50% -0.92% -8.08% 9.53% 09/10/92 Fidelity Advisor Overseas Fund (T) FAERX 12.93% -3.36% 6.11% 3.50% 8.97% -4.04% 5.74% 04/23/90 Fidelity Advisor Small Cap Fund (T) FSCTX 23.52% 1.63% 15.89% 3.50% 19.20% 0.91% 15.24% 09/09/98

3 Aggressive Growth Funds: Franklin Small-Mid Cap Growth Fund (A) FRSGX 13.04% -4.71% 12.47% 5.75% 6.54% -5.83% 11.81% 02/14/92 Goldman Sachs Growth Opportunities (A) GGOAX 15.92% 8.10% 15.82% 5.50% 9.54% 6.88% 14.66% 05/24/99 Janus Adviser International Growth Fund (I) JIGRX 19.85% -4.20% 8.57% N/A 19.85% -4.20% 12.78% 05/01/97 Janus Adviser Worldwide Fund (I) JWGRX 4.73% -8.50% 5.68% N/A 4.73% -8.50% 10.35% 05/01/97 MFS Emerging Markets Equity (A) MEMAX 26.71% 6.73% 5.88% 5.75% 19.42% 5.47% 5.20% 10/24/95 MFS Global Equity (A) MWEFX 18.45% 2.14% 10.11% 5.75% 11.64% 0.94% 9.46% 09/07/93 MFS Massachusetts Investors Growth Stock (A) MIGFX 9.63% -7.65% 11.79% 5.75% 3.33% -8.74% 11.13% 01/01/35 MFS Mid-Cap Growth (A) OTCAX 14.47% -6.49% 9.62% 5.75% 7.89% -7.59% 8.97% 12/01/93 MFS New Discovery (A) MNDAX 6.84% -2.06% 11.54% 5.75% 0.70% -3.21% 10.71% 01/02/97 Putnam International Equity Fund (A) POVSX 16.23% -2.05% 10.39% 5.25% 10.13% -3.10% 9.80% 02/28/91 Putnam Investors Fund (A) PINVX 12.76% -7.65% 10.28% 5.25% 6.84% -8.64% 9.69% 12/01/25 Putnam Voyager (A) PVOYX 4.79% -9.13% 9.10% 5.25% -0.71% % 8.52% 04/01/69 T. Rowe Price Growth Stock (R) RRGSX 9.72% -0.07% 12.08% N/A 9.72% -0.34% 11.65% 04/11/50 T. Rowe Price Mid-Cap Growth (R) RRMGX 17.82% 6.29% 15.61% N/A 17.82% 6.00% 15.16% 06/30/92 Templeton Developing Markets (A) TEDMX 25.45% 4.64% 5.58% 5.75% 18.24% 3.41% 4.96% 10/16/91 Templeton Foreign Fund (A) TEMFX 18.14% 4.55% 8.75% 5.75% 11.35% 3.32% 8.11% 10/05/82 Templeton Growth Fund (A) TEPLX 17.00% 7.55% 11.88% 5.75% 10.27% 6.29% 11.22% 11/29/54

4 Growth Funds: STI Classic Capital Appreciation Fund (A) STCIX 5.69% -1.99% 9.80% 3.75% 1.73% -2.74% 9.39% 06/09/92 STI Classic Growth & Income Fund (A) CFVIX 14.03% 1.99% 11.35% 3.75% 9.75% 1.22% 10.92% 05/07/93 STI Classic Small Cap Value Equity Fund (A) SASVX 25.15% N/A 30.20% 3.75% 20.46% N/A 26.21% 10/09/03 STI Classic Strategic Quantitative Equity Fund (A)..... SQEAX 16.01% N/A 18.62% 3.75% 11.66% N/A 14.99% 10/08/03 STI Classic Tax Sensitive Growth Stock Fund (A)..... SXSAX 6.37% N/A 8.79% 3.75% 2.38% N/A 5.41% 10/14/03 STI Classic Value Income Stock Fund (A) SVIIX 14.72% 5.32% 10.92% 3.75% 10.41% 4.52% 10.49% 02/17/93 AIM Basic Value (A) GTVLX 10.88% 6.54% 13.36% 5.50% 4.78% 5.34% 12.67% 10/18/95 AIM Blue Chip Fund (A) ABCAX 4.29% -7.63% 9.03% 5.50% -1.45% -8.67% 8.42% 02/04/87 AIM Mid Cap Core Equity Fund (A) GTAGX 13.82% 8.96% 12.55% 5.50% 7.56% 7.74% 11.92% 06/09/87 AllianceBernstein Growth & Income Fund (A) CABDX 11.92% 3.85% 13.59% 4.25% 7.16% 2.95% 13.10% 07/01/32 American Century Income & Growth Fund (Adv) AMADX 12.71% -0.91% 5.42% N/A 12.71% -0.91% 5.42% 12/15/97 American Century Small Cap Value (Adv) ACSCX 21.61% 21.47% 21.47% N/A 21.61% 21.47% 21.78% 12/31/99 American Century Value Fund (Adv) TWADX 14.23% 11.19% 11.12% N/A 14.23% 11.19% 11.12% 10/02/96 Dreyfus Midcap Value DMCVX 17.53% 13.00% 17.13% N/A 17.53% 13.00% 17.13% 09/29/95 Federated Capital Appreciation (A) FEDEX 7.19% -0.54% 13.52% 5.50% 1.30% -1.66% 12.88% 01/01/77 Federated Equity Income (A) LEIFX 13.20% -2.10% 9.62% 5.50% 6.98% -3.21% 9.00% 12/30/86 Federated Mid-Cap Index FMDCX 15.85% 8.85% 15.18% N/A 15.85% 8.85% 15.18% 09/03/92 Fidelity Advisor Dividend Growth Fund (T) FDGTX 5.18% 1.91% 2.96% 3.50% 1.50% 1.19% 2.35% 12/28/98 Fidelity Advisor Equity Income Fund (T) FEIRX 11.89% 5.28% 11.48% 3.50% 7.98% 4.53% 11.08% 09/10/92 Franklin Balance Sheet (A) FRBSX 25.30% 16.71% 15.09% 5.75% 18.10% 15.33% 14.41% 04/02/90 Goldman Sachs Mid Cap Value Fund (A) GCMAX 25.01% 17.41% 10.88% 5.50% 18.13% 16.09% 10.03% 08/15/97 Goldman Sachs Small Cap Value Fund (A) GSSMX 18.95% 20.23% 13.41% 5.50% 12.41% 18.87% 12.77% 10/22/92 MFS Value Fund (A) MEIAX 15.08% 8.12% 13.48% 5.75% 8.46% 6.85% 12.73% 01/02/96 Mutual Beacon Fund (A) TEBIX 14.13% 9.46% 11.49% 5.75% 7.57% 8.17% 12.56% 11/01/96 Putnam Growth & Income Fund (A) PGRWX 10.97% 2.90% 10.76% 5.25% 5.14% 1.80% 10.16% 11/06/57 T. Rowe Price Mid-Cap Value (R) RRMVX 19.97% 16.60% 15.25% N/A 19.97% 16.28% 14.83% 06/28/96 Vanguard 500 Index Fund (Inv) VFINX 10.74% -2.38% 12.00% N/A 10.74% -2.38% 12.00% 08/31/76

5 Balanced Funds: STI Classic Balanced Fund (A) STBLX 5.28% 1.89% 8.72% 3.75% 1.33% 1.12% 8.30% 01/03/94 AIM Balanced Fund (A) AMBLX 7.65% -2.51% 8.97% 4.75% 2.54% -3.46% 8.44% 03/31/78 Dreyfus Premier Balanced (A) PRBAX 4.71% -2.31% 8.28% 5.75% -1.31% -3.46% 7.64% 04/14/94 George Putnam Fund of Boston (A) PGEOX 8.32% 5.05% 10.00% 5.25% 2.63% 3.92% 9.41% 11/05/37 MFS Total Return Fund (A) MSFRX 11.37% 7.77% 11.32% 4.75% 6.08% 6.73% 10.78% 10/06/70 Lifestyle Funds: STI LifeVision Aggressive Growth Fund (A) SLAAX 12.74% N/A 16.19% 3.75% 8.52% N/A 12.57% 10/16/03 STI LifeVision Conservative Fund (A) SVCAX 5.71% N/A 7.50% 3.75% 1.75% N/A 3.86% 11/11/03 STI LifeVision Growth & Income Fund (A) SGIAX 10.15% N/A 13.39% 3.75% 6.02% N/A 9.51% 11/05/03 STI LifeVision Moderate Growth Fund (A) SVMAX 8.57% N/A 10.92% 3.75% 4.50% N/A 7.57% 10/14/03 Income Funds: STI Classic High Income Fund (A) SAHIX 9.96% N/A 13.04% 3.75% 5.84% N/A 9.43% 10/27/03 STI Classic Investment Grade Bond (A) STGIX 3.66% 5.73% 6.23% 3.75% -0.23% 4.92% 5.83% 06/11/92 STI Classic Ltd Term Fed Mortgage Securities Fund (A).. SLTMX 2.02% 5.11% 5.56% 2.50% -0.53% 4.58% 5.29% 07/18/94 STI Classic Short-Term Bond Fund (A) STSBX 0.76% 4.01% 4.90% 2.00% -1.26% 3.60% 4.69% 03/22/93 STI Classic Short-Term US Treasury Securities Fund (A).. STSFX 0.01% 3.65% 4.52% 1.00% -0.99% 3.45% 4.42% 03/18/93 STI Classic Strategic Income Fund (A) SAINX 10.57% N/A 11.16% 3.75% 6.42% N/A 7.76% 10/08/03 STI Classic U.S. Government Securities Fund (A)..... SCUSX 3.01% 5.98% 6.28% 3.75% -0.85% 5.17% 5.88% 06/06/94 Federated Mortgage (Insv) FGFSX 3.86% 6.69% 6.61% N/A 3.86% 6.69% 6.61% 05/31/97 Fidelity Advisor Short Fixed-Income Fund (T) FASFX 1.66% 5.16% 5.53% 1.50% 0.14% 4.84% 5.37% 09/16/87 Goldman Sachs Core Fixed Income (A) GCFIX 4.60% 7.56% 6.77% 4.50% -0.10% 6.58% 6.13% 05/01/97 MFS Research Bond Fund (A) MRBFX 4.72% 8.80% 7.06% 4.75% -0.25% 7.75% 6.20% 01/04/99 T. Rowe Price New Income (R) RRNIX 4.12% 7.16% 6.83% N/A 4.11% 6.87% 6.47% 08/31/73

6 Capital Preservation Funds: STI Classic Prime Quality Money Market Fund (A)..... SQQXX 0.66% 2.34% 3.62% N/A 0.66% 2.34% 3.62% 06/08/92 STI Classic U.S. Government Securities Money Market (A).. SUIXX 0.61% 2.24% 3.49% N/A 0.61% 2.24% 3.49% 06/08/92 STI Classic US Treasury Money Market Fund (A) SATXX 0.57% N/A 0.57% N/A 0.57% N/A 0.57% 11/12/03 It is important to note that performance quoted represents past performance of these funds and predecessor funds, if any, and does not guarantee future results. Current performance may be lower or higher than the performance quoted. An investment in a Money Market Fund is not insured or guaranteed by the FDIC or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. With respect to other funds, these returns include reinvestment of dividends and capital gains, if any. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than their original cost. These investments are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency. The Standardized numbers calculated above are based on the formula in Form N-1A as mandated by the Securities and Exchange Commission. The calculations (unless otherwise noted) take into account the maximum sales charge and/or redemption charges currently in effect, and any annual expenses assessed. The figures assume a one-time lump sum investment and do not include the effect of taxation. The following Internet addresses can be used by potential investors to obtain monthly performance information: The STI Classic Funds are offered through SunTrust Securities, Inc., a registered broker-dealer and member of NASD and SIPC. STI Classic Funds are advised by Trusco Capital Management, Inc., an affiliate of SunTrust Banks, Inc. **The R Class incepted on September 30, The total return figures for the R Classes have been calculated using the performance data of the retail fund up to the inception date of the R Class and the actual performance results of the R Class since that date. Any information shown provided by Lipper, Inc. is Copyright 2004 Reuters S.A. All rights reserved. Any copying, republication, or redistribution of Lipper content is expressly prohibited without the prior written consent of Lipper. Lipper shall not be liable for any error or delays in the content, or for any actions taken in reliance thereon. This information is taken from sources deemed to be reliable, but is not guaranteed as to completeness or accuracy. Investors should consider the investment objectives, risks and charges and expenses of a Fund carefully before investing. A prospectus which contains this and other information can be obtained by calling Please read carefully prior to investing. INVESTMENTS INCLUDING THE STI CLASSIC FUNDS ARE: Not FDIC Insured *Not Bank Guaranteed *May Lose Value Investment products and services are offered through SunTrust Securities, Inc., a registered broker/dealer and non-bank affiliate of SunTrust Bank and a Member NASD and SIPC. Deposits, loans, trust and fiduciary services are offered by SunTrust Bank.