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%
MainStay MacKay 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 June 30, 2019

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	4.47	1.61	3.77	n/a	n/a	2.66	1.02	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 12/31/2018

					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	0.54	1.76	1.76	0.93	0.56	0.32	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	0.57	PTSHX	n/a	n/a	1.51	2.17	1.77	2.46	10/7/87
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.81	NOBOX	1.63	-0.16	-0.16	1.87	2.39	3.18	2/27/07
MainStay MacKay Total Return Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	MTMIX	0.68	-1.23	-1.23	2.70	2.26	4.11	1/2/91
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.47	APISX	-0.06	0.07	0.07	1.34	0.35	2.78	5/31/05
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	-4.25	-2.80	-2.80	5.20	2.51	9.49	1/27/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.83	FIBZX	n/a	2.07	2.07	3.91	0.65	4.47	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	-11.65	-11.65	7.71	5.83	13.17	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	-13.54	-4.50	-4.50	9.15	8.38	12.96	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	-12.85	n/a	4.32	13.93	12.09	18.21	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	-17.29	-11.20	-11.20	7.50	5.86	13.47	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	-12.60	-13.75	-13.75	2.99	0.39	5.97	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	-13.73	-14.79	-14.79	2.46	0.94	6.94	10/6/06