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%
Touchstone High Yield Fund	3%
Templeton International 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, 2020

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	2.92	1.53	4.16	3.10	n/a	3.05	1.02	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 6/30/20

					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	0.33	GVMXX	0.42	2.13	2.13	1.56	0.99	0.50	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	0.67	PTSHX	0.42	2.73	2.73	2.22	2.12	1.81	10/7/87
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOBOX	0.13	8.62	8.62	3.91	2.90	3.57	2/27/07
PGIM Total Return Bond 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.60	PDBZX	n/a	9.38	9.38	4.17	3.14	4.32	4/28/20
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	1.10	4.94	4.94	2.06	1.86	2.36	5/31/05
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	2.83	10.90	8.40	6.66	3.59	7.69	1/27/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.83	FIBZX	n/a	2.43	2.43	2.34	1.61	2.99	12/3/07
					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	0.27	DFLVX	n/a	25.45	25.45	9.66	8.63	12.75	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	9.03	31.35	31.35	15.15	11.59	13.41	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	10.00	28.49	28.49	22.70	15.90	16.04	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	6.89	25.93	25.93	9.07	8.84	12.50	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	0.25	NOINX	7.84	21.98	21.98	9.64	5.71	5.38	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	9.62	26.48	26.48	11.19	6.42	6.32	10/6/06