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 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	-0.26	-0.26	8.39	3.63	n/a	3.15	1.02	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 12/31/20

					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	0.12	GVMXX	0.01	0.39	0.39	1.43	1.06	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	0.35	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
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
					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