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 40%
International Equities 23%
Real Assets 7%
Fixed Income 30%
Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund Percent
Fixed Income
PIMCO Short-Term Fund 6%
Northern Funds Bond Index Fund 5%
MainStay MacKay Total Return Bond Fund 7%
American Century Short Duration Inflation Protection Bond Fund 4%
Touchstone High Yield Fund 4%
Templeton International Bond Fund 4%
Real Assets
Principal Global Real Estate Securities Fund 4%
Credit Suisse Commodity Return Strategy Fund 3%
Fund Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio 9%
Northern Funds Stock Index Fund 11%
T. Rowe Price Instl. Large-Cap Growth Fund 9%
Northern Funds Mid Cap Index Fund 7%
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 7%
Neuberger Berman International Select Fund 10%
DFA International Small Company Portfolio 3%
Vanguard Emerging Markets Select Stock Portfolio 3%

Portfolio Performance1

As of June 30, 2019

 Average Annual Total Returns at NAV (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 YrsLifetimeExp.
Ratio2
Inception
Date
A12.172.613.84n/an/a7.391.149/28/16
C12.052.633.60n/an/a7.141.399/28/16
F12.282.684.08n/an/a7.650.899/28/16
Fee Structure B Performance

Underlying Mutual Fund Performance3

As of 12/31/2018

 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
0.57PTSHXn/an/a1.512.171.772.4610/7/87
Northern Funds Bond Index Fund
Fact Sheet, Prospectus, Annual Report
0.81NOBOX1.63-0.16-0.161.872.393.182/27/07
MainStay MacKay Total Return Bond Fund
Fact Sheet, Prospectus, Annual Report
0.60MTMIX0.68-1.23-1.232.702.264.111/2/91
American Century Short-Duration Inflation-Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.47APISX-0.060.070.071.340.352.785/31/05
Touchstone High Yield Fund
Fact Sheet, Prospectus, Annual Report
0.72THIYX-4.25-2.80-2.805.202.519.491/27/12
Templeton International Bond Fund
Fact Sheet, Prospectus, Annual Report
0.83FIBZXn/a2.072.073.910.654.4712/3/07
 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
0.88PGRSXn/a-3.39-3.393.615.6011.5610/1/07
 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
0.27DFLVXn/a-11.65-11.657.715.8313.172/19/93
Northern Funds Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOSIX-13.54-4.50-4.509.158.3812.9610/7/96
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.56TRLGX-12.85n/a4.3213.9312.0918.2110/31/01
Northern Funds Mid Cap Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOMIX-17.29-11.20-11.207.505.8613.473/22/05
Northern Funds Small Cap Value Fund
Fact Sheet, Prospectus, Annual Report
1.00NOSGX-17.79-13.68-13.685.513.7110.514/1/94
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund
Fact Sheet, Prospectus, Annual Report
0.79TQAIX-19.327.76-6.868.186.6315.706/30/97
 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
0.25NOINX-12.60-13.75-13.752.990.395.973/22/05
Neuberger Berman International Select Fund
Fact Sheet, Prospectus, Annual Report
0.81NILIX-13.73-14.79-14.792.460.946.9410/6/06
DFA International Small Company Portfolio
Fact Sheet, Prospectus, Annual Report
0.53DFISXn/a-19.42-19.423.551.969.539/30/96
Vanguard Emerging Markets Select Stock Fund
Fact Sheet, Prospectus, Annual Report
0.94VMMSX-6.19-12.54-12.5410.501.321.146/27/11
 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
0.79CRSOX-9.38-11.65-11.650.35-8.82-3.6912/30/04