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%
BlackRock High Yield Bond Fund	5%
AB Global 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 June 30, 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	4.18	3.12	13.28	6.89	n/a	6.05	0.95	9/28/16
C	4.06	3.16	13.06	6.62	n/a	5.79	1.20	9/28/16
F	4.37	3.24	13.58	7.16	n/a	6.31	0.70	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 6/30/2021

					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	n/a	n/a	1.24	2.04	2.32	1.81	10/7/87
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOBOX	1.83	-1.66	-0.49	5.20	2.86	3.26	2/27/07
PGIM Total Return Bond 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.39	PDBZX	-4.44	-4.44	6.33	4.97	4.34	4.70	12/27/10
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	n/a	n/a	7.18	4.32	3.00	2.11	5/31/05
BlackRock High Yield Bond Fund Fact Sheet, Prospectus, Annual Report	0.62	BHYIX	3.16	4.12	16.05	7.16	7.53	6.69	11/19/98
AB Global Bond Fund Fact Sheet, Prospectus, Annual Report	0.55	ANAZX	1.30	-0.93	2.12	4.22	2.96	3.68	11/5/07
					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	0.88	PGRSX	9.13	14.00	32.37	9.11	7.54	8.17	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	0.22	DFLVX	n/a	20.71	50.50	10.71	12.56	11.82	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	8.50	15.18	40.63	18.54	17.52	14.71	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	12.53	16.65	46.98	24.88	27.02	19.41	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	3.58	17.53	53.00	13.00	14.12	12.22	3/22/05
Northern Funds Small Cap Value Fund Fact Sheet, Prospectus, Annual Report	1.00	NOSGX	1.71	20.93	57.06	6.51	9.81	9.79	4/1/94
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund Fact Sheet, Prospectus, Annual Report	0.79	TQAIX	2.54	6.89	40.25	15.11	17.13	13.96	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	5.17	8.77	32.22	8.21	10.08	5.75	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	n/a	10.37	35.59	11.75	12.33	6.70	10/6/06
Vanguard Emerging Markets Select Stock Fund Fact Sheet, Prospectus, Annual Report	0.85	VMMSX	4.41	10.01	46.62	13.26	13.85	5.04	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	0.80	CRSOX	13.70	21.40	45.93	4.43	2.71	-4.42	12/30/04