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
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1 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 target date fund based upon your projected retirement year. This relieves you of the need to select multiple individual funds and monitor and manage reallocations among those multiple funds. Each target date fund includes investments from the existing CCOERA core funds plus new asset classes, which provide additional diversification. * The date in a target date fund name represents an approximate date when an investor expects to retire. The principal value of the funds is not guaranteed at any time, including the target date. SNAPSHOT OF TARGET DATE FUND FEATURES DIVERSIFICATION Each target date fund is a well-diversified mix of underlying stock and bond investments. The investment mix becomes more conservative (fewer stocks and more bonds) as the target date is approached. By choosing a target date fund for retirement savings, you gain the benefit of investment diversification in a single option. AUTOMATIC REALLOCATION Target date funds automatically reduce stock holdings and increase bond holdings over time to ensure that the allocation remains on track to help you achieve your long-term investment strategy for your projected retirement year. PORTFOLIO REBALANCING Target date funds are automatically rebalanced quarterly to ensure they maintain their target asset allocations even as markets may shift. Here is an example of how a CCOERA Target Date Fund will change over time. 36 years old AGGRESSIVE TO CONSERVATIVE 74 years old 7% 93% 24% 76% 51% 49% 79% 21% SAMPLE CCOERA TARGET DATE FUND BONDS STOCKS 30 years to retirement 15 years to retirement Age 66, the year of retirement Age 74, and ongoing thereafter Percentages are subject to change based on the determinations of CCOERA s investment adviser. Empower Retirement is not responsible for the composition of the CCOERA Target Date Funds. Please consider the investment objectives, risks, fees and expenses carefully before investing. Additional disclosure documents can be obtained from your plan website. Read them carefully before investing. * Diversification of an investment portfolio does not ensure a profit and does not protect against loss in declining markets.
2 CCOERA TDF INCOME Portfolio Management Fees 0.37% MainStay 7.00% JH Funds Global Absolute Return 5.00% Litman Gregory 5.00% Driehaus Active.50% JPMorgan Strategic Income Opps. 1.50% DFA Core 1.00% CCOERA Book 55.00% Met West Total Return 12.00% PIMCO Yield 2.00% Vanguard Inst 500 Index 2.00% American Beacon Intl Equity 1.50% American Funds EuroPac Growth 1.50% Cohen & Steers Realty 1.00% Dodge & Cox Stock 1.00% Harbor Capital Appreciation 1.00% Vanguard Mid Cap Index 0.67% Artisan Mid Cap Growth 0.67% American Beacon 0.33% Vanguard Index 0.33% Commodities % 15.0% 10.0% 7.0% 4.0% 3.0% 2.0% 2.0% 1.0% 1.0% 0% 0% CCOERA TDF 2010 Portfolio Management Fees 0.47% MainStay 9.00% JH Funds Global Absolute Return 5.00% Litman Gregory 5.00% Credit Suisse Commod. Return 4.00% DFA Core 3.00% CCOERA Book 43.00% Vanguard Inst 500 Index 5.50% American Beacon Intl.50% American Funds EuroPac Growth 3.50% PIMCO Yield 3.00% Dodge & Cox Stock 2.75% Harbor Capital Appreciation 2.75% Artisan Mid Cap Growth 1.34% Vanguard Mid Cap Index 1.34% Cohen & Steers Realty 1.00% American Beacon 0.66% Vanguard Index 0.66% Commodities % 11.0% 10.0% 9.0% 7.0% 5.0% 4.0% 4.0% 3.0% 3.0% 1.0% 0% CCOERA TDF 2015 Portfolio Management Fees 0.48% MainStay 9.00% JH Funds Global Absolute Return 4.50% Litman Gregory 4.50% DFA Core 3.00% CCOERA Book 39.00% Vanguard Inst 500 Index 6.00% American Beacon Intl Equity 4.00% American Funds EuroPac Growth 4.00% Dodge & Cox Stock 3.00% Harbor Capital Appreciation 3.00% PIMCO Yield 3.00% Cohen & Steers Realty 2.00% Vanguard Mid Cap Index 1.68% Artisan Mid Cap Growth 1.67% Vanguard Index 0.83% American Beacon 0.82% Commodities % 12.0% 9.0% 9.0% 8.0% 5.0% 5.0% 5.0% 3.0% 3.0% 2.0% 0%
3 CCOERA TDF 2020 Portfolio Management Fees 0.54% MainStay 9.00% Met West Total Return 5.60% DFA Core 5.00% JH Funds Global Absolute Return 3.50% Litman Gregory 3.50% JPMorgan Strategic Income Opps. 0.70% Driehaus Active Income 0.70% CCOERA Book 21.00% Vanguard Inst 500 Index 9.00% American Beacon Intl Equity 5.50% American Funds EuroPac Growth 5.50% Dodge & Cox Stock 4.50% Harbor Capital Appreciation 4.50% PIMCO Yield 3.00% Cohen & Steers Realty 2.00% Vanguard Mid Cap Index 2.35% Artisan Mid Cap Growth 2.34% Vanguard Index 1.16% American Beacon 1.15% Commodities % 18.0% 11.0% 9.0% 7.0% 7.0% 7.0% 5.0% 5.0% 5.0% 3.0% 2.0% CCOERA TDF 2025 Portfolio Management Fees 0.54% MainStay 9.00% DFA Core 6.00% Met West Total Return 4.00% JH Funds Global Absolute Return 2.00% Litman Gregory 2.00% JPMorgan Strategic Income Opps. 0.50% Driehaus Active Income 0.50% CCOERA Book 15.00% Vanguard Inst 500 Index 11.00% American Beacon Intl Equity 7.00% American Funds EuroPac Growth 7.00% Dodge & Cox Stock 5.50% Harbor Capital Appreciation 5.50% PIMCO Yield 3.00% Cohen & Steers Realty 3.00% Vanguard Mid Cap Index 3.02% Artisan Mid Cap Growth 3.01% Vanguard Index 1.49% American Beacon 1.48% Commodities % 15.0% 14.0% 9.0% 9.0% 6.0% 6.0% 5.0% 5.0% 4.0% 3.0% 3.0% CCOERA TDF 2030 Portfolio Management Fees 0.54% MainStay 9.00% DFA Core 7.00% Met West Total Return 2.40% JH Funds Global Absolute Return 1.00% Litman Gregory 1.00% JPMorgan Strategic Income Opps. 0.30% Driehaus Active Income 0.30% Vanguard Inst 500 Index 13.50% CCOERA Book 9.00% American Beacon Intl Equity 8.00% American Funds EuroPac Growth 8.00% Dodge & Cox Stock 6.75% Harbor Capital Appreciation 6.75% Vanguard Mid Cap Index 3.69% Artisan Mid Cap Growth 3.68% PIMCO Yield 3.00% Cohen & Steers Realty 3.00% Vanguard Index 1.82% American Beacon 1.81% Commodities % 16.0% 11.0% 9.0% 9.0% 7.0% 5.0% 5.0% 3.0% 3.0% 3.0% 2.0%
4 CCOERA TDF 2035 Portfolio Management Fees 0.55% MainStay 9.00% DFA Core 7.00% Met West Total Return 0.80% JPMorgan Strategic Income Opps. 0.10% Driehaus Active Income 0.10% Vanguard Inst 500 Index 15.00% American Beacon Intl Equity 9.50% American Funds EuroPac Growth 9.50% Dodge & Cox Stock 7.50% Harbor Capital Appreciation 7.50% Vanguard Mid Cap Index 4.02% Artisan Mid Cap Growth 4.02% CCOERA Book 4.00% Cohen & Steers Realty 4.00% PIMCO Yield 3.00% Vanguard Index 1.98% American Beacon 1.98% Commodities % 19.0% 12.0% 9.0% 7.0% 5.0% 5.0% 4.0% 4.0% 3.0% 1.0% 1.0% CCOERA TDF 2040 Portfolio Management Fees 0.53% DFA Core 8.00% MainStay 4.00% Vanguard Inst 500 Index 16.50% Dodge & Cox Stock 8.25% Harbor Capital Appreciation 8.25% Cohen & Steers Realty 5.00% Vanguard Mid Cap Index 4.36% Artisan Mid Cap Growth 4.35% CCOERA Book 4.00% Vanguard Index 2.15% American Beacon 2.14% PIMCO Yield 1.00% Commodities % 21.0% 13.0% 8.0% 5.0% 5.0% 5.0% 4.0% 4.0% 1.0% 1.0% 0% CCOERA TDF 2045 Portfolio Management Fees 0.53% DFA Core 8.00% MainStay 3.00% Vanguard Inst 500 Index 17.00% Dodge & Cox Stock 8.50% Harbor Capital Appreciation 8.50% Cohen & Steers Realty 5.00% CCOERA Book 3.00% Vanguard Index 2.31% American Beacon 2.31% PIMCO Yield 1.00% Commodities % 21.0% 14.0% 8.0% 5.0% 5.0% 5.0% 3.0% 3.0% 1.0% 1.0% 0%
5 CCOERA TDF 2050 Portfolio Management Fees 0.53% DFA Core 9.00% MainStay 2.00% Vanguard Inst 500 Index 17.50% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 4.00% CCOERA Book 3.00% Vanguard Index 2.31% American Beacon 2.31% PIMCO Yield 1.00% Commodities % 21.0% 14.0% 9.0% 5.0% 5.0% 4.0% 3.0% 2.0% 1.0% 1.0% 0% CCOERA TDF 2055 Portfolio Management Fees 0.53% DFA Core 9.00% MainStay 2.00% Vanguard Inst 500 Index 17.50% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 4.00% CCOERA Book 3.00% Vanguard Index 2.31% American Beacon 2.31% PIMCO Yield 1.00% Commodities % 21.0% 14.0% 9.0% 5.0% 5.0% 4.0% 3.0% 2.0% 1.0% 1.0% 0% CCOERA TDF 2060 Portfolio Management Fees 0.53% DFA Core 9.00% MainStay 1.00% Vanguard Inst 500 Index 17.50% American Beacon Intl Equity 11.00% American Funds EuroPac Growth 11.00% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 5.00% CCOERA Book 3.00% Vanguard Index 2.31% American Beacon 2.31% Commodities % 22.0% 14.0% 9.0% 5.0% 5.0% 5.0% 3.0% 1.0% 1.0% 0% 0%
6 CCOERA Target Date Funds (continued) Selecting a CCOERA Target Date Fund is easy You will generally select a target date fund (see table below) based on birth year, age and projected retirement date at age 66. Participants who have not made an investment election in the CCOERA Plan will be enrolled in a target date fund based on data shown on the table below. Date of Birth Participant Age Range Expected Retirement Date Range CCOERA Target Date Fund (TDF) Prior to or older 2007 or before CCOERA TDF Income CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF or after 23 or younger 2058 or after CCOERA TDF 2060 Custom Designed by Experienced Professionals Innovest Portfolio Solutions LLC designed the CCOERA Target Date Funds with the unique needs of CCOERA s participants in mind. Its investment professionals have applied more than twenty years of investment research experience across the capital markets in designing and maintaining an investment mix that makes sense for you no matter where you are on the retirement-savings path. Questions? Call CCOERA toll free at (800) Visit the website at 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. 2 Specialty funds invest in a limited number of companies and are generally non-diversified. As a result, changes in market value of a single issuer could cause greater volatility than with a more diversified fund. 3 Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments. 4 Equity securities of small and mid-sized companies may be more volatile than securities of larger, more established companies. 5 Compared to higher rated securities, high yield bond investment options are subject to greater risk, including the risk of default. 6 Equity securities of companies located in emerging markets involve greater risks than investing in more established markets, including currency fluctuations, political developments and share illiquidity. 7 Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws, or losses from casualty. Real estate securities that invest in foreign real estate involve additional risk, including currency fluctuations and political developments. 8 The value of commodity-linked investments may be affected by financial factors, political developments and natural disasters. As such, investment options that invest primarily in commodities may experience greater volatility than investments in traditional securities. 9 Access to the website may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance or other reasons. FOR ILLUSTRATIVE PURPOSES ONLY. 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. Asset allocations as of April 30, The CCOERA Target Date Fund allocations are based on an investment strategy relying on risk and return. This is not intended as financial planning or investment advice. The allocations for the funds are subject to change. Fund data sheets are available at Innovest Portfolio Solutions LLC is not affiliated with Great-West Life & Annuity Insurance Company Great-West Life & Annuity Insurance Company. All rights reserved. Form CB1077TDF_FactSheet (06/15) PT268720
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