Age-Based Conservative Ages 19<span class="plus-reduction">+</span>

The Portfolio seeks growth of current income, consistent with preservation of capital.

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

Fixed Income	50%
Money Market	50%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	50%
Fixed Income
PIMCO Short-Term Fund	20%
Northern Funds Bond Index Fund	8%
MainStay MacKay Total Return Bond Fund	7%
American Century Short Duration Inflation Protection Bond Fund	15%

As of May 31, 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	1.70	1.13	2.18	n/a	n/a	1.03	0.93	9/28/16
C	1.54	0.96	1.83	n/a	n/a	0.76	1.18	9/28/16
F	1.85	1.19	2.42	n/a	n/a	1.22	0.68	9/28/16

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