Indexes are unmanaged, do not incur management fees, costs, and expenses, and cannot be invested in directly.
The indexes used are S&P 500® index (large-cap equity), Russell 2000® Index (small-cap equity), MSCI EAFE Net of Taxes (international equity), Bloomberg Barclays U.S. Aggregate Bond Index (fixed income), and Citigroup 3-Month U.S. T-Bills (cash equivalents). The Moderate Allocation is 35% large-cap equity, 10% small-cap equity, 15% international equity, 35% fixed income, and 5% cash, using the indexes noted. Past performance is no guarantee of future results. The example is hypothetical and provided for illustrative purposes only. It is not intended to represent a specific investment product. Dividends and interest are assumed to have been reinvested, and the example does not reflect the effects of taxes or fees. Indexes are unmanaged, do not incur management fees, costs, and expenses, and cannot be invested in directly.