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Plan Investing: Select Funds Venue Overview and Details The Select Funds mutual funds are objectively selected by Investment Consultants from over 5,000 candidates through rigorous proprietary screening processes. Funds are selected for attributes of portfolio manager continuity, stability against stated objectives, performance against benchmarks and category peers, and overall diversification against the other funds selected. This last criteria is vitally important in constructing any portfolio of investments - and especially important in a long-term retirement portfolio. A portfolio of funds that operate with controlled and limited correlation protect investors from the ravages of downside volatility. The funds range from conservative Money Market to substantially more aggressive (that is, volatile) Small Company Growth Stock Funds. Within that range are both prominent as well as less-well-known funds employing a wide variety of strategies across the entire scope of financial investment categories deemed appropriate for general retirement investing. Comprehensive and timely information on each of the mutual funds in the Plan's Select Funds Venue is available through the table below. Note that the share class detailed in the table may not be the share class currently utilized by the Plan for that particular fund. The Plan Administrator will, at all times, employ the share class with the lowest shareholder expense structure available to the Plan's Trust at that time. In general, as Plan assets increase, fund distributors will allow the Plan Administrator to convert previously purchased, higher expense-level shares to share classes more advantageous to the Plan's participants. The actual share class you purchased and own at any time can be identified in the Plan Balances and Transactions History section of your Plan Account Personal Information. Current Prospectus, the most recent Fund Financial Reports, and Fund Fact Sheets, all published by the funds' distributors, should be downloaded and reviewed before making any investment. Morningstar© Mutual Funds "Quick-Take" independently published reports for each fund are also available with a click!
To aid you in selecting a proper mix of the Select Funds relative to your investing objectives, Investment Consultants has designed four very different Sample Portfolios, each appropriate to a specific risk/return investor profile. The four Sample Portfolios utilize increasing allocations to stock-oriented funds depending upon the intended investor's "investing time horizon" - that is, the number of years before the investor will begin to spend the money in the Plan account for whatever its intended purpose. The four Sample Portfolios are generally designed with "time horizons" and "asset allocations" - that is, the portion of the account invested in money markets vs. bonds vs. stocks - as follows:
These guideline portfolios are just four of an infinite set of variations that can be constructed using the mutual funds in the Plan's Select Funds venue. They are intended to illustrate how your account can be mixed to result in your assumption of four very different levels of 'Investment Risk'. They are not intended to be a precise indicator of future risk or return levels. In fact, the relative degree of risk and return across each sample portfolio can vary significantly over shorter time periods. That is, 'conservative' mixes have sometimes outperformed 'aggressive' mixes. Only you (or your professional financial advisor) can determine the mix appropriate to your investing objectives.
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