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

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

1 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 results. For performance data current to the most recent month-end, please visit the SoonerSave Web site ( The investment return and principal value of an investment will fluctuate so that, when redeemed, shares/units may be worth more or less than their original cost. Please consider the investment objectives, risk, fees and expenses carefully before investing. For this and other important information, please obtain the mutual fund prospectus and disclosure documents from the SoonerSave Web site ( or by calling KeyTalk at (877) For prospectuses on Self-Directed Brokerage, contact TD AMERITRADE at (866) Read them carefully before investing Average Annualized Return as of 11/30/ Investment Option YTD 1 Year 3 Years 5 Years 10 Year/ Since Inception 9 Expense Ratio 10 Inception Date Vanguard Target Retirement % 0.31% 5.45% 6.40% 5.48% 0.16% Vanguard Target Retirement % 0.14% 8.15% 8.06% 5.94% 0.16% Vanguard Target Retirement % -0.18% 9.67% 9.12% 6.02% 0.17% Vanguard Target Retirement % -0.70% 10.82% 9.85% 6.22% 0.18% Vanguard Target Retirement % -0.71% 10.82% 9.86% 6.27% 0.18% T. Rowe Price High Yield Fund -1.29% -2.77% 3.70% 5.90% 6.74% 0.74% T. Rowe Price Spectrum Income Fund -1.08% -1.92% 2.14% 4.30% 5.35% 0.67% Barclays Capital Aggregate Bond Index 3,4 0.88% 0.97% 1.50% 3.09% 4.65% N/A N/A T. Rowe Price Balanced Fund 1.75% 0.73% 9.20% 9.05% 6.52% 0.68% Custom Balanced Index (50% S&P500 Index, 40% Barclays Capital Aggregate Bond Index, 10% MSCI 1.91% 1.47% 9.31% 8.99% 5.96% N/A N/A EAFE Index) 3,4 American Century Income & Growth Fund -4.09% -4.62% 13.95% 12.99% 5.85% 0.67% BlackRock S&P 500 Stock Fund 3.00% 2.74% 16.01% 14.29% 7.38% 0.04% T. Rowe Price Blue Chip Growth Fund 11.73% 10.23% 20.03% 16.73% 9.38% 0.72% T. Rowe Price Total Equity Market Index Fund 2.43% 2.41% 15.91% 13.95% 7.54% 0.30% S&P 500 Index 3,4 3.01% 2.75% 16.09% 14.40% 7.48% N/A N/A Artisan Mid Cap Value Fund -5.08% -5.36% 10.07% 10.17% 7.70% 1.19% Columbia Acorn Fund 2.67% 2.89% 11.64% 10.40% 7.42% 0.79% S&P Mid-Cap 400 Index 3,4 2.08% 2.92% 15.19% 13.05% 8.71% N/A N/A BlackRock Small Cap Growth Equity Instl 1.68% 4.69% 15.40% 12.81% 8.94% 0.86% Perkins Small Cap Value Fund T 2.31% 3.96% 13.40% 9.67% 8.10% 0.81% Russell 2000 Index 3,4 0.64% 3.51% 14.92% 12.02% 7.31% N/A N/A American Funds EuroPacific Growth Fund 1.57% -2.48% 6.88% 5.49% 5.38% 0.83% T. Rowe Price Emerging Mkts Stock Fund -8.59% % -2.51% -1.89% 4.02% 1.24% MSCI EAFE Index 3,4 0.54% -2.94% 6.60% 5.52% 3.64% N/A N/A Stable Value Option Rate for 4th Quarter 2015: Stable Value Fund 1.85% /02-PT183910F (4/14) Page 1 of 6

2 SoonerSave Investment Option Performance (continued) Investment Option Average Annualized Return as of 9/30/ YTD 1 Year 3 Years 5 Years 10 Year/ Since Inception 9 Expense Ratio 10 Inception Date Vanguard Target Retirement % 0.06% 4.73% 6.24% 5.31% 0.16% Vanguard Target Retirement % -1.13% 6.74% 7.66% 5.59% 0.16% Vanguard Target Retirement % -2.16% 7.87% 8.61% 5.56% 0.17% Vanguard Target Retirement % -3.43% 8.61% 9.18% 5.64% 0.18% Vanguard Target Retirement % -3.46% 8.60% 9.18% 5.69% 0.18% T. Rowe Price High Yield Fund -1.96% -3.43% 4.02% 6.05% 6.68% 0.75% T. Rowe Price Spectrum Income Fund -2.40% -2.37% 1.93% 4.01% 5.19% 0.67% Barclays Capital Aggregate Bond Index 3,4 1.13% 2.94% 1.71% 3.10% 4.64% N/A N/A T. Rowe Price Balanced Fund -2.95% -1.26% 7.61% 8.52% 6.07% 0.68% Custom Balanced Index (50% S&P500 Index, 40% Barclays Capital Aggregate Bond Index, 10% MSCI -2.72% 0.00% 7.45% 8.31% 5.55% N/A N/A EAFE Index) 3,4 American Century Income & Growth Fund % -6.56% 10.60% 12.31% 5.15% 0.67% BlackRock S&P 500 Stock Fund -5.30% -0.64% 12.31% 13.22% 6.69% 0.04% T. Rowe Price Blue Chip Growth Fund 1.17% 5.50% 15.79% 16.03% 8.76% 0.72% T. Rowe Price Total Equity Market Index Fund -5.67% -0.77% 12.40% 13.07% 6.89% 0.30% S&P 500 Index 3,4-5.29% -0.61% 12.40% 13.34% 6.80% N/A N/A Artisan Mid Cap Value Fund -9.82% -8.45% 8.91% 9.95% 7.02% 1.19% Columbia Acorn Fund -3.80% -0.07% 9.36% 10.35% 6.97% 0.79% S&P Mid-Cap 400 Index 3,4-4.66% 1.40% 13.12% 12.93% 8.25% N/A N/A BlackRock Small Cap Growth Equity Instl -3.62% 2.35% 11.78% 13.35% 8.25% 0.86% Perkins Small Cap Value Fund T -5.51% 1.19% 10.49% 8.80% 7.41% 0.83% Russell 2000 Index 3,4-7.73% 1.25% 11.02% 11.73% 6.55% N/A N/A American Funds EuroPacific Growth Fund -3.59% -5.24% 5.99% 4.19% 5.02% 0.83% T. Rowe Price Emerging Mkts Stock Fund % % -3.63% -2.69% 3.66% 1.24% MSCI EAFE Index 3,4-5.28% -8.66% 5.63% 3.98% 2.97% N/A N/A Stable Value Option Rate for 4th Quarter 2015: Stable Value Fund 1.85% /02-PT183910F (4/14) Page 2 of 6

3 SoonerSave Investment Option Performance (continued) Calendar Year 1 Investment Option /02-PT183910F (4/14) Page 3 of 6 Inception Date of Option Vanguard Target Retirement % 9.10% 10.12% 3.37% 11.43% Vanguard Target Retirement % 15.85% 12.35% 0.60% 13.12% Vanguard Target Retirement % 20.49% 14.24% -1.27% 14.43% Vanguard Target Retirement % 24.37% 15.56% -2.55% 15.17% Vanguard Target Retirement % 24.34% 15.58% -2.54% 15.20% T. Rowe Price High Yield Fund 2.00% 9.07% 15.21% 3.20% 14.37% T. Rowe Price Spectrum Income Fund 3.88% 3.02% 10.16% 4.16% 9.68% T. Rowe Price Balanced Fund 5.97% 19.25% 13.95% 0.90% 12.51% American Century Income & Growth Fund 12.51% 35.72% 14.52% 3.02% 14.10% BlackRock S&P 500 Stock Fund % 32.21% 15.84% 1.98% 14.92% T. Rowe Price Blue Chip Growth Fund 9.28% 41.57% 18.41% 1.50% 16.42% T. Rowe Price Total Equity Market Index Fund % 33.70% 16.32% 0.61% 16.80% Artisan Mid Cap Value Fund 1.52% 35.80% 11.39% 6.42% 14.37% Columbia Acorn Fund 0.82% 30.90% 17.93% -4.61% 26.00% BlackRock Small Cap Growth Equity Instl 2.11% 45.32% 11.06% 0.22% 23.07% Perkins Small Cap Value Fund T 7.30% 29.66% 8.99% -3.43% 17.87% American Funds EuroPacific Growth Fund -2.64% 20.15% 19.21% % 9.40% T. Rowe Price Emerging Mkts Stock Fund 1.41% -4.69% 20.03% % 18.75% Funds may impose redemption fees, and/or transfer restrictions, on certain transfers, redemptions or exchanges if assets are held less than the period stated in the fund s prospectus or other disclosure documents. Asset allocation funds are generally subject to a fund operating expense at the fund level, as well as prorated fund operating expenses of each underlying fund in which they invest. For more information, please refer to the fund s prospectus and/or disclosure documents. Although data is gathered from reliable sources, we cannot guarantee completeness and accuracy. The historic performance information quoted is 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. 1 The average annual and calendar year returns for the mutual funds reflect actual total returns for each fund, net of fund operating expenses, but do not reflect the plan administrative fee charged by Great-West Financial, Retirement Services division, which would further reduce the returns shown. Past performance is not an indication or prediction of future investment results. 2 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. 3 The S&P 500 Index is a registered trademark of Standard & Poor s Financial Services LLC, and is an unmanaged index considered indicative of the domestic equity market. The S&P MidCap 400 Index is a registered trademark of Standard & Poor s Financial Services LLC, and is an unmanaged index considered indicative of the domestic Mid-Cap equity market. The MSCI EAFE Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the US & Canada, and Barclays Capital Aggregate Bond Index is a broad bond index covering most U.S. traded bonds and some foreign bonds traded in the U.S. The Russell 2000 Index is a trademark of the Frank Russell Company and measures the performance of the small-cap segment of the U.S. equity universe. These indices are for comparison use only. 4 A benchmark index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Therefore, performance of an Index Fund will generally be less than its benchmark index. You cannot invest directly in a benchmark index. 5 Equity securities of medium-sized companies may be more volatile than securities of larger, more established companies. 6 Equity securities of small-sized companies may be more volatile than securities of larger, more established companies. 7 Foreign investments involve special risks, including currency fluctuations and political developments. 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. 8 Access to KeyTalk and/or the Web site may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance, or other reasons. 9 3, 5, and 10 Year/Since Inception returns shown are annualized. For 10 Year/Since Inception, if the fund was not in existence for 10 years, returns shown are since inception. 10 Actual fund operating expenses may be less if the fund currently offers a waiver or reimbursement of a portion of this expense. 11 The date in a target date fund s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. For more information, please refer to the fund prospectus and/or disclosure document. 12 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.

4 INVESTMENT OPTION INFORMATION For the most current information, see the prospectus and disclosure documents. Vanguard Target Retirement 2010 Fund within a few years of 2010 (its target year). At any given time, its asset allocation may be affected by a variety of factors, such as whether the Vanguard Target Retirement 2020 Fund within a few years of 2020 (its target year). At any given time, its asset allocation may be affected by a variety of factors, such as whether the Vanguard Target Retirement 2030 Fund within a few years of 2030 (its target year). At any given time, its asset allocation may be affected by a variety of factors, such as whether the Vanguard Target Retirement 2040 Fund within a few years of 2040 (its target year). At any given time, its asset allocation may be affected by a variety of factors, such as whether the Vanguard Target Retirement 2050 Fund within a few years of 2050 (its target year). At any given time, its asset allocation may be affected by a variety of factors, such as whether the T. Rowe Price High Yield Fund Objective: The Fund seeks high current income and, secondarily, capital appreciation. Strategy: The Fund will normally invest at least 80% of net assets (including any borrowings for investment purposes) in a widely diversified portfolio of high-yield corporate bonds, often called "junk" bonds, income-producing convertible securities, and preferred stocks that are rated below investment-grade or not rated by any major credit rating agency but deemed to be below investment-grade by T. Rowe Price. High-yield bonds are rated below investment grade (BB and lower, or an equivalent rating). Junk bonds tend to provide high income in an effort to compensate investors for their higher risk of default, which is the failure to make required interest or principal payments. High-yield bond issuers include small or relatively new companies lacking the history or capital to merit investment-grade status, former blue chip companies downgraded because of financial problems, companies electing to borrow heavily to finance or avoid a takeover or buyout, and firms with heavy debt loads. T. Rowe Price Spectrum Income Fund Objective: The Fund seeks a high level of current income with moderate share price fluctuation. Strategy: The Fund broadly diversifies its assets widely among a set of T. Rowe Price mutual funds, representing specific market segments. The Fund, which normally invests in domestic and international bond funds, a money market fund, and an income-oriented stock fund, seeks to maintain broad exposure to several markets in an attempt to reduce the impact of markets that are declining and to benefit from good performance in particular market segments over time. The fund can invest in funds holding high-quality domestic and foreign bonds, high-yield bonds ( junk bonds), short- and longterm securities, and dividend-paying stocks /02-PT183910F (4/14) Page 4 of 6

5 INVESTMENT OPTION INFORMATION (continued) T. Rowe Price Balanced Fund Objective: The Fund seeks to provide capital growth, current income, and preservation of capital through a portfolio of stocks and fixed-income securities. Strategy: The fund normally invests approximately 65% of total assets in U.S. and foreign common stocks and 35% in fixed-income securities. The Advisor will invest at least 25% of total assets in senior fixed-income securities. When deciding upon asset allocations, the portfolio manager may favor fixed-income securities if the economy is expected to slow sufficiently to hurt corporate profit growth. The opposite may be true when strong economic growth is expected. American Century Income & Growth Fund Objective: The Fund seeks long-term capital growth by investing in common stocks. Income is a secondary objective. Strategy: The managers use a technique called portfolio optimization. In portfolio optimization, the managers use a quantitative model to build a portfolio of stocks that they believe will provide the optimal balance between risk and expected return. The goal is to create a fund that provides better returns than its benchmark without taking on significant additional risk. In building the fund's portfolio, the portfolio managers also attempt to create a dividend yield for the Fund that will be greater than that of the S&P 500 Index. BlackRock S&P 500 Stock K Fund 4 Objective: BlackRock S&P 500 Stock Fund (the Fund ), a series of BlackRock Funds III (the Trust ), seeks to provide investment results that correspond to the total return performance of publicly-traded common stocks in the aggregate, as represented by the Standard & Poor s 500 Index ( S&P 500 Index ). Strategy: The Fund pursues it investment objective by seeking to replicate the total return performance of the S&P 500 Index, which is composed of 500 selected common stocks, most of which are listed on the New York Stock Exchange (the NYSE ). The S&P 500 Index is a capitalizationweighted index from a broad range of industries chosen for market size, liquidity and industry group representation. The component stocks are weighted according to the total float-adjusted market value of their outstanding share (i.e., they are weighted according to the public float which is the total market value of their outstanding shares readily available to the general marketplace for trading purposes). The percentage of the Fund s assets invested in a given stock is approximately the same as the percentage such stock represents in the S&P 500 Index. Under normal circumstances, at least 90% of the value of the Fund s assets, plus the amount of any borrowing for investment purposes, is invested in securities comprising the S&P 500 Index. T. Rowe Price Blue Chip Growth Fund Objective: The Fund seeks to provide long-term capital growth. Income is a secondary objective. Strategy: The Fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes) in the common stocks of large and medium-sized blue chip growth companies. These are firms that, in T. Rowe Price s view, are well established in their industries and have the potential for above-average earnings growth. T. Rowe Price focuses on companies with leading market position, seasoned management, and strong financial fundamentals. The T. Rowe Price investment approach reflects the belief that solid company fundamentals (with emphasis on strong growth in earnings per share or operating cash flow) combined with a positive industry outlook will ultimately reward investors with strong investment performance. Some of the companies targeted for the fund should have good prospects for dividend growth, and the fund may at times invest significantly in stocks of technology companies. While most assets will typically be invested in U.S. common stocks, the fund may invest in foreign stocks in keeping with the fund's objectives. T. Rowe Price Total Equity Market Index Fund 4 Objective: The Fund seeks to match the performance of the entire U.S. stock market. The fund uses the S&P Total Market Index as its benchmark index to represent the U.S. stock market as a whole. Because the largest stocks in the index carry the most weight, large-capitalization stocks make up a substantial majority of the S&P Total Market s value. Artisan Mid Cap Value Fund Objective: The Fund seeks maximum long-term capital growth. Strategy: The Fund invests primarily in U.S. companies and, under normal market circumstances, the Fund invests no less than 80% of its net assets plus any borrowings for investment purposes at market value at the time of purchase in the common stocks of medium-sized companies. The Fund defines a medium-sized company as one with a market capitalization greater than the market capitalization of the smallest company in the Russell Midcap Index and less than three times the weighted average market capitalization of companies in that Index. The Fund will generally not initiate a position in a company unless it has a market capitalization between $2 billion and $15 billion. Columbia Acorn Fund Objective: The Fund seeks long-term capital appreciation. Strategy: Under normal circumstances, the Fund invests a majority of its net assets in the common stock of small- and mid-sized companies with market capitalizations under $5 billion at the time of investment. However, if the Fund s investments in such companies represent less than a majority of its net assets, the Fund may continue to hold and to make additional investments in an existing company in its portfolio even if that company s capitalization has grown to exceed $5 billion. Except as noted above, under normal circumstances, the Fund may invest in other companies with market capitalizations above $5 billion, provided that immediately after that investment a majority of it net assets would be invested in companies with market capitalizations under $5 billion. The Fund invests the majority of its assets in U.S. companies, but also may invest up to 33% of its total assets in foreign companies in developed markets (for example, Japan, Canada and the United Kingdom) and in emerging markets (for example, China, India and Brazil) /02-PT183910F (4/14) Page 5 of 6

6 INVESTMENT OPTION INFORMATION (continued) BlackRock Small Cap Growth Equity Fund - Instl Objective: The Fund seeks long-term capital appreciation. Strategy: The Fund normally invests at least 80% of its net assets in equity securities issued by U.S. small-capitalization companies which Fund management believes offer superior prospects for growth. Equity securities consist primarily of common stock, preferred stock, securities convertible into common stock and securities or other instruments whose price is linked to the value of common stock. The Fund management team focuses on U.S. small capitalization emerging growth companies. Although a universal definition of small-capitalization companies does not exist, the Fund generally defines these companies, at the time of the Fund s investment, as those with market capitalizations comparable in size to the companies in the Russell 2000 Growth Index (between approximately $53 million and $3.771 billion as of June 30, 2012, the most recent rebalance date). In the future, the Fund may define small-capitalization companies using a different index or classification system. The Fund seeks to buy primarily common stock but also can invest in preferred stock, convertible securities and other equity securities. From time to time the Fund may invest in shares of companies through new issues or initial public offerings ( IPOs ). Perkins Small Cap Value Fund Objective: The Fund seeks capital appreciation. Strategy: The Fund pursues its investment objective by investing primarily in the common stocks of small companies whose stock prices are believed to be undervalued by the Fund s portfolio managers. The Fund invests, under normal circumstances, at least 80% of its net assets in equity securities of small companies whose market capitalization, at the time of initial purchase, is less than the 12-month average of the maximum market capitalization for companies included in the Russell 2000 Value Index. This average is updated monthly. The market capitalizations within the index will vary, but as of June 30, 2013, they ranged from approximately $23 million to $5.6 billion. The Fund may also invest in foreign equity and debt securities, which may include investments in emerging markets. The Fund may invest, under normal circumstances, up to 20% of its net assets in securities of companies having market capitalizations outside of the aforementioned market capitalization ranges. In addition, when the portfolio managers believe that market conditions are unfavorable for investing, or when they are otherwise unable to locate attractive investment opportunities, the Fund may invest up to 20% of its net assets in cash or similar investments. American Funds EuroPacific Growth Fund Objective: The fund's investment objective is to provide long-term growth of capital. Strategy: Normally, the Fund will invest at least 80% of its net assets in securities of issuers located in Europe and the Pacific Basin. Various factors will be considered when determining whether a country is part of Europe, including whether a country is part of the MSCI European indices. A country will be considered part of the Pacific Basin if any of its borders touches the Pacific Ocean. T. Rowe Price Emerging Mkts Stock Fund Objective: The Fund seeks long-term growth of capital through investments primarily in the common stocks of companies located (or with primary operations) in emerging markets. Strategy: The fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes) in emerging market companies. The fund may purchase the stocks of companies of any size. The fund expects to make substantially all of its investments in common stocks of companies located (or with primary operations) in emerging markets in Latin America, Asia, Europe, Africa, and the Middle East. Stable Value Stable Value Fund Objective: The Stable Value Fund seeks to provide a stable rate of return with principal preservation and liquidity as primary objectives. Self-Directed Brokerage Option TD AMERITRADE Mutual Fund Window Allows you to select from other mutual funds through TD AMERITRADE. The Self-Directed Brokerage Option (SDB option) is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments contained in the SDB option. These securities are not offered through GWFS Equities, Inc. (For additional information regarding this option, contact a TD AMERITRADE representative at (866) ) 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 (866) TD Ameritrade and GWFS Equities, Inc. are separate and unaffiliated. Core investment options offered through mutual funds and a stable value fund. GWFS Equities, Inc., or one or more of its affiliates, may receive a fee from the investment option provider for providing certain recordkeeping, distribution and administrative services /02-PT183910F (4/14) Page 6 of 6

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

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

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

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

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

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

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

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

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

It s your retirement.

It s your retirement. MNDCP It s your retirement. Keep it on target. And keep it simple. 1 Click to learn more! Looking for an easier way to invest for retirement? With these three simple steps, you can save more, invest wisely

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

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

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

Rules-Based Investing

Rules-Based Investing Rules-Based Investing Disciplined Approaches to Providing Income and Capital Appreciation Potential Focused Dividend Strategy International Dividend Strategic Value Portfolio (A: FDSAX) Strategy Fund (A:

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

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

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

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

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

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

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

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

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

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

General Investment-Related Terms

General Investment-Related Terms General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated with marketing and selling the fund. 12b-1

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

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

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

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

Vanguard Emerging Markets Stock Index Fund

Vanguard Emerging Markets Stock Index Fund Vanguard Emerging Markets Stock Index Fund Supplement to the Prospectus and Summary Prospectus Dated February 26, 2015 New Target Index Effective as of the start of business on November 2, 2015, Vanguard

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

SUMMARY PROSPECTUS. TCW High Yield Bond Fund FEBRUARY 29 I SHARE: TGHYX N SHARE: TGHNX

SUMMARY PROSPECTUS. TCW High Yield Bond Fund FEBRUARY 29 I SHARE: TGHYX N SHARE: TGHNX TCW High Yield Bond Fund I SHARE: TGHYX N SHARE: TGHNX 20 6 FEBRUARY 29 SUMMARY PROSPECTUS Before you invest, you may want to review the Fund s Prospectus which contain more information about the Fund

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

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

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

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

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

Sample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants

Sample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants Sample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants Version 1.01 April 26, 2012 PART 1 General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual

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

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

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

TD Mutual Funds Fund Profiles

TD Mutual Funds Fund Profiles TD Mutual Funds Fund Profiles U.S. Equity Funds TD North American Dividend Fund TD U.S. Blue Chip Equity Fund TD U. S. Quantitative Equity Fund TD U.S. Large-Cap Value Fund TD U.S. Large-Cap Value Currency

More information

Rules-Based Investing

Rules-Based Investing Rules-Based Investing Disciplined Approaches to Providing Income and Capital Appreciation Potential Focused Dividend Strategy International Dividend Strategic Value Portfolio (A: FDSAX) Strategy Fund (A:

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

Emerging Markets Bond Fund Emerging Markets Corporate Bond Fund Emerging Markets Local Currency Bond Fund International Bond Fund

Emerging Markets Bond Fund Emerging Markets Corporate Bond Fund Emerging Markets Local Currency Bond Fund International Bond Fund PROSPECTUS PREMX TRECX PRELX RPIBX T. Rowe Price Emerging Markets Bond Fund Emerging Markets Corporate Bond Fund Emerging Markets Local Currency Bond Fund International Bond Fund May 1, 2016 A choice of

More information

Why Going International is a Big Idea for Small-Cap Investing

Why Going International is a Big Idea for Small-Cap Investing AllianzGI International Small-Cap Fund Why Going International is a Big Idea for Small-Cap Investing Investment Solutions Second Quarter 2015 AllianzGI International Small-Cap Fund symbols: A shares: AOPAX

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

Putnam RetirementReady Funds 11 30 07 Prospectus

Putnam RetirementReady Funds 11 30 07 Prospectus Putnam RetirementReady Funds 11 30 07 Prospectus CONTENTS Fund summaries......................2 Goals..............................2 Main investment strategies.............2 Main risks...........................5

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

INVESTMENT TERM GLOSSARY

INVESTMENT TERM GLOSSARY A Accrued Interest - Interest that has been earned but not yet credited to a bond or other fixed-income investment, such as a certificate of deposit. Active Management The use of professional investment

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

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

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

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

Economic & Market Outlook

Economic & Market Outlook Monthly Portfolio Commentary December 31, 2015 Economic & Market Outlook Stocks rebounded in 2015 s fourth quarter, but provided little reward for the year as a whole. The S&P 500 Index recovered from

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

T. Rowe Price International Bond Fund T. Rowe Price International Bond Fund Advisor Class

T. Rowe Price International Bond Fund T. Rowe Price International Bond Fund Advisor Class T. Rowe Price International Bond Fund T. Rowe Price International Bond Fund Advisor Class Supplement to Prospectuses Dated May 1, 2015 In section 1, the portfolio manager table under Management with respect

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

SmartRetirement Mutual Fund Commentary

SmartRetirement Mutual Fund Commentary SmartRetirement Mutual Fund Commentary J.P.Morgan Asset Management 3 rd Quarter 2014 Performance Highlights SmartRetirement s Performance Objectives The JPMorgan SmartRetirement Mutual Funds are designed

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

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors RETIREMENT INSIGHTS July 2014 Your HFS Team Heffernan Financial Services 188 Spear Street, Suite 550 San Francisco, CA 94105 800-437-0045 rebeccat@heffgroup.com www.heffgroupfs.com CA Insurance Lic# 0I18899

More information

Spectrum Growth Fund Spectrum Income Fund Spectrum International Fund

Spectrum Growth Fund Spectrum Income Fund Spectrum International Fund PROSPECTUS PRSGX RPSIX PSILX T. Rowe Price Spectrum Growth Fund Spectrum Income Fund Spectrum International Fund May 1, 2016 Three broadly diversified growth, income, and international funds that invest

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

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

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

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

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

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

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

(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

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

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

Changes to the OklahomaDream 529 Plan

Changes to the OklahomaDream 529 Plan Supplement dated December 31, 2015 to Oklahoma Dream Advisor Sold 529 Program Plan Disclosure Statement for Investors Using a Financial Advisor (Classes A and C) Dated November 3, 2014 This Supplement

More information

Catalyst/Princeton Floating Rate Income Fund Class A: CFRAX Class C: CFRCX Class I: CFRIX SUMMARY PROSPECTUS NOVEMBER 1, 2015

Catalyst/Princeton Floating Rate Income Fund Class A: CFRAX Class C: CFRCX Class I: CFRIX SUMMARY PROSPECTUS NOVEMBER 1, 2015 Catalyst/Princeton Floating Rate Income Fund Class A: CFRAX Class C: CFRCX Class I: CFRIX SUMMARY PROSPECTUS NOVEMBER 1, 2015 Before you invest, you may want to review the Fund s complete prospectus, which

More information

Nuveen NWQ Global Equity Income Fund

Nuveen NWQ Global Equity Income Fund Nuveen NWQ Global Equity Income Fund Summary Prospectus October 30, 2015, as supplemented June 1, 2016 Ticker: Class A NQGAX, Class C NQGCX, Class I NQGIX This summary prospectus is designed to provide

More information

Morningstar Highlights

Morningstar Highlights Morningstar Highlights Second quarter Data as of June 30, 2015 Invesco offers funds that have competitive performance relative to their peers across most style boxes. Below are Invesco funds with four-

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

Deutsche Latin America Equity Fund (formerly DWS Latin America Equity Fund)

Deutsche Latin America Equity Fund (formerly DWS Latin America Equity Fund) Summary Prospectus February 1, 2015 Deutsche Latin America Equity Fund (formerly DWS Latin America Equity Fund) Class/Ticker A SLANX B SLAOX C SLAPX INST SLARX S SLAFX Before you invest, you may want to

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

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

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

Total Returns % Total Returns %

Total Returns % Total Returns % FIDELITY INVESTMENTS PERFORMANCE REPORT MUTUAL FUNDS P E R F O R M A N C E U P D A T E AS OF JUNE 30, 2009 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance

More information

GIPS List of Composite Descriptions. Perkins Composites...11. Fixed Income Composites... 14. Global Macro Composites...19. Alternative Composites...

GIPS List of Composite Descriptions. Perkins Composites...11. Fixed Income Composites... 14. Global Macro Composites...19. Alternative Composites... GIPS List of Composite Descriptions Updated 6/4/2015 Janus Equity Composites...2 Perkins Composites....11 Fixed Income Composites... 14 Global Macro Composites...19 Alternative Composites.....19 Allocation

More information

Morgan Stanley Institutional Fund Trust

Morgan Stanley Institutional Fund Trust INVESTMENT MANAGEMENT Morgan Stanley Institutional Fund Trust U.S. Equity Portfolios U.S. Mid Cap Value Portfolio U.S. Small Cap Value Portfolio Value Portfolio Prospectus Share Class and Ticker Symbol

More information

Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com

Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com Wrap Fee Program Disclosure Document to be presented with ValMark Advisers, Inc. ADV Part 2A Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com

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

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

RISK ASSESSMENT QUESTIONNAIRE

RISK ASSESSMENT QUESTIONNAIRE Time Horizon 6/14 Your current situation and future income needs. 1. What is your current age? 2. When do you expect to start drawing income? A Less than 45 A Not for at least 20 years B 45 to 55 B In

More information

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps Investing 101 What you will learn today Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps 2 Asset Allocation One of Your Most Important

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

SAVINGS GROWTH PLAN. Looking forward to new horizons. investment options

SAVINGS GROWTH PLAN. Looking forward to new horizons. investment options SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN SAVINGS GROWTH PLAN Looking forward to new horizons. investment options 4 2020-2060 Portfolios BlackRock Table of Contents 6 Retirement Portfolio BlackRock 8 Short-Term

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

Overview of Your TIAA-CREF Investment Solutions SM Accounts

Overview of Your TIAA-CREF Investment Solutions SM Accounts Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment

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

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

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

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

Timely Topics. The Benchmark Standard. May 30, 2013. Highlights. What Is a Benchmark, and Why Is It Important? LPL FINANCIAL RESEARCH

Timely Topics. The Benchmark Standard. May 30, 2013. Highlights. What Is a Benchmark, and Why Is It Important? LPL FINANCIAL RESEARCH LPL FINANCIAL RESEARCH Timely Topics May 30, 2013 The Benchmark Standard Highlights LPL Financial Research believes investors need to choose a benchmark that best reflects the investment style of their

More information