Age-Based Conservative Ages 13-14

Portfolio Overview

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

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

U.S. Equities	19%
International Equities	9%
Real Assets	2%
Fixed Income	70%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Fixed Income
PIMCO Short-Term Fund	22%
Northern Funds Bond Index Fund	13%
PGIM Total Return Bond Fund	12%
American Century Short Duration Inflation Protection Bond Fund	13%
Touchstone High Yield Fund	5%
Templeton International Bond Fund	5%
Real Assets
Principal Global Real Estate Securities Fund	1%
Credit Suisse Commodity Return Strategy Fund	1%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	4%
Northern Funds Stock Index Fund	7%
T. Rowe Price Instl. Large-Cap Growth Fund	4%
Northern Funds Mid Cap Index Fund	2%
Northern Funds Small Cap Value Fund	1%
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund	1%
International Equity
Northern Funds International Equity Index Fund	4%
Neuberger Berman International Select Fund	4%
Vanguard Emerging Markets Select Stock Portfolio	1%

Portfolio Performance¹

at NAV

w/ sales charge

As of March 31, 2021

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	1.02	1.02	19.37	5.93	n/a	5.67	1.12	9/28/16
C	0.88	0.88	18.97	5.65	n/a	5.39	1.37	9/28/16
F	1.09	1.09	19.67	6.18	n/a	5.92	0.87	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 12/31/20

					Average Annual Total Returns (%)³
Fixed Income Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
PIMCO Short-Term Fund Fact Sheet, Prospectus, Annual Report	0.45	PTSHX	0.35	2.74	2.74	2.32	2.39	1.89	10/7/87
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOBOX	0.65	7.33	7.33	5.19	4.27	3.68	2/27/07
PGIM Total Return Bond 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.49	PDBZX	2.36	8.00	8.00	5.98	5.88	5.26	4/28/20
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	1.60	5.23	5.23	3.49	2.96	2.31	5/31/05
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	6.30	4.34	4.34	5.13	6.84	5.53	1/27/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.84	FIBZX	n/a	-5.70	-5.70	-0.47	1.62	1.14	12/3/07
					Average Annual Total Returns (%)³
Real Estate Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Principal Global Real Estate Securities Fund Fact Sheet, Prospectus, Annual Report	0.87	PGRSX	n/a	-3.86	-3.86	5.06	5.95	7.46	10/1/07
					Average Annual Total Returns (%)³
Domestic Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
DFA U.S. Large Cap Value Portfolio Fact Sheet, Prospectus, Annual Report	0.26	DFLVX	n/a	-0.61	-0.61	3.28	9.28	10.63	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	12.10	18.26	18.26	14.05	15.10	13.75	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	13.05	39.56	39.56	23.22	21.54	18.18	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	24.29	13.55	13.55	8.28	12.18	11.32	3/22/05
Northern Funds Small Cap Value Fund Fact Sheet, Prospectus, Annual Report	1.00	NOSGX	27.40	-2.30	-2.30	1.03	7.01	8.26	4/1/94
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund Fact Sheet, Prospectus, Annual Report	0.65	TQAIX	22.43	24.00	24.00	15.42	15.95	14.47	6/30/97
					Average Annual Total Returns (%)³
International Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Northern Funds International Equity Index Fund Fact Sheet, Prospectus, Annual Report	0.24	NOINX	16.01	7.90	7.90	4.32	7.53	5.41	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	12.63	15.41	15.41	7.55	9.44	6.34	10/6/06
Vanguard Emerging Markets Select Stock Fund Fact Sheet, Prospectus, Annual Report	0.93	VMMSX	23.39	15.80	15.80	7.13	13.66	4.58	6/27/11
					Average Annual Total Returns (%)³
Commodities Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Credit Suisse Commodity Return Strategy Fund Fact Sheet, Prospectus, Annual Report	0.78	CRSOX	9.31	-1.12	-1.12	-2.23	1.34	-6.38	12/30/04