Portfolio Overview

The Portfolio seeks growth of capital and low to moderate current income.

The Portfolio invests in a targeted mix of stock and bond mutual funds that represent various asset classes and sectors.

U.S. Equities 36%
International Equities 19%
Real Assets 5%
Fixed Income 40%
Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund Percent
Fixed Income
PIMCO Short-Term Fund 9%
Northern Funds Bond Index Fund 7%
PGIM Total Return Bond Fund 10%
American Century Short Duration Inflation Protection Bond Fund 4%
BlackRock High Yield Bond Fund 5%
AB Global Bond Fund 5%
Real Assets
Principal Global Real Estate Securities Fund 3%
Credit Suisse Commodity Return Strategy Fund 2%
Fund Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio 8%
Northern Funds Stock Index Fund 10%
T. Rowe Price Instl. Large-Cap Growth Fund 8%
Northern Funds Mid Cap Index Fund 6%
Northern Funds Small Cap Value Fund 2%
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund 2%
International Equity
Northern Funds International Equity Index Fund 6%
Neuberger Berman International Select Fund 8%
DFA International Small Company Portfolio 2%
Vanguard Emerging Markets Select Stock Portfolio 3%

Portfolio Performance1

As of June 30, 2021

 Average Annual Total Returns w/ Sales Charge (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 YrsLifetimeExp.
Ratio2
Inception
Date
B2.64-0.5218.417.26n/a7.401.729/28/16
Fee Structure B Accounts are subject to a contingent deferred sales charge ranging from 0.50% to 5.00%. For complete details visit with your investment professional or review “Exhibit D – Fee Structure B Information” in the Program Disclosure Statement. Fee Structure B Performance

Underlying Mutual Fund Performance3

As of 6/30/2021

 Average Annual Total Returns (%)3 
Fixed Income FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
PIMCO Short-Term Fund
Fact Sheet, Prospectus, Annual Report
0.45PTSHXn/an/a1.242.042.321.8110/7/87
Northern Funds Bond Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOBOX1.83-1.66-0.495.202.863.262/27/07
PGIM Total Return Bond 529 Portfolio
Fact Sheet, Prospectus, Annual Report
0.39PDBZX-4.44-4.446.334.974.344.7012/27/10
American Century Short-Duration Inflation-Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.37APISXn/an/a7.184.323.002.115/31/05
BlackRock High Yield Bond Fund
Fact Sheet, Prospectus, Annual Report
0.62BHYIX3.164.1216.057.167.536.6911/19/98
AB Global Bond Fund
Fact Sheet, Prospectus, Annual Report
0.55ANAZX1.30-0.932.124.222.963.6811/5/07
 Average Annual Total Returns (%)3 
Real Estate FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Principal Global Real Estate Securities Fund
Fact Sheet, Prospectus, Annual Report
0.88PGRSX9.1314.0032.379.117.548.1710/1/07
 Average Annual Total Returns (%)3 
Domestic Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
DFA U.S. Large Cap Value Portfolio
Fact Sheet, Prospectus, Annual Report
0.22DFLVXn/a20.7150.5010.7112.5611.822/19/93
Northern Funds Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOSIX8.5015.1840.6318.5417.5214.7110/7/96
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.56TRLGX12.5316.6546.9824.8827.0219.4110/31/01
Northern Funds Mid Cap Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOMIX3.5817.5353.0013.0014.1212.223/22/05
Northern Funds Small Cap Value Fund
Fact Sheet, Prospectus, Annual Report
1.00NOSGX1.7120.9357.066.519.819.794/1/94
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund
Fact Sheet, Prospectus, Annual Report
0.79TQAIX2.546.8940.2515.1117.1313.966/30/97
 Average Annual Total Returns (%)3 
International Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Northern Funds International Equity Index Fund
Fact Sheet, Prospectus, Annual Report
0.24NOINX5.178.7732.228.2110.085.753/22/05
Neuberger Berman International Select Fund
Fact Sheet, Prospectus, Annual Report
0.81NILIXn/a10.3735.5911.7512.336.7010/6/06
DFA International Small Company Portfolio
Fact Sheet, Prospectus, Annual Report
0.44DFISXn/a12.0745.017.8611.227.549/30/96
Vanguard Emerging Markets Select Stock Fund
Fact Sheet, Prospectus, Annual Report
0.85VMMSX4.4110.0146.6213.2613.855.046/27/11
 Average Annual Total Returns (%)3 
Commodities FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Credit Suisse Commodity Return Strategy Fund
Fact Sheet, Prospectus, Annual Report
0.80CRSOX13.7021.4045.934.432.71-4.4212/30/04