Age-Based Conservative Ages 17-18

Portfolio Overview

The Portfolio seeks growth of current income.

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

U.S. Equities	8%
International Equities	2%
Fixed Income	67%
Money Market	23%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	23%
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	14%
BlackRock High Yield Bond Fund	3%
AB Global Bond Fund	3%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	2%
Northern Funds Stock Index Fund	3%
T. Rowe Price Instl. Large-Cap Growth Fund	2%
Northern Funds Mid Cap Index Fund	1%
International Equity
Northern Funds International Equity Index Fund	1%
Neuberger Berman International Select Fund	1%

Portfolio Performance¹

at NAV

w/ sales charge

As of September 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	1.56	0.17	3.81	3.89	3.21	3.20	0.86	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 9/30/2021

					Average Annual Total Returns (%)³
Money Market Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
State Street U.S. Government Money Market Fund* Fact Sheet, Prospectus, Annual Report	0.12	GVMXX	0.01	0.02	0.03	1.03	1.03	0.54	10/25/07
					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	0.14	0.36	0.72	1.82	2.13	1.93	10/7/87
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOBOX	0.05	-1.61	-0.98	5.24	2.80	2.87	2/27/07
PGIM Total Return Bond 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.39	PDBZX	n/a	n/a	0.90	6.27	4.02	4.58	12/27/10
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	1.72	4.93	6.82	4.96	3.31	2.23	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
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	18.93	40.96	8.14	11.11	14.39	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	0.56	15.82	29.83	15.86	16.77	16.51	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	-0.50	16.06	31.21	21.95	24.94	21.22	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	-1.79	15.42	43.46	10.93	12.80	14.54	3/22/05
					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	-0.89	7.80	25.06	7.44	8.60	8.08	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	n/a	9.65	23.51	11.36	10.82	9.12	10/6/06