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 Total Return Bond Fund	7%
American Century Short Duration Inflation Protection Bond Fund	15%

As of November 30, 2018

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	0.28	-0.09	0.38	n/a	n/a	0.39	0.93	9/28/16
C	0.10	-0.10	0.10	n/a	n/a	0.13	1.18	9/28/16
F	0.56	n/a	0.65	n/a	n/a	0.56	0.68	9/28/16

As of 6/30/2018

					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	0.42	0.74	1.23	0.60	0.36	0.30	8/2/10
					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	0.47	PTSHX	0.78	2.14	2.14	2.08	1.86	2.14	8/2/10
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.16	NOBOX	-1.52	-1.52	1.13	1.05	1.67	3.37	8/2/10
MainStay Total Return Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	MTMIX	-0.37	-2.08	-0.56	2.00	2.43	4.41	12/17/14
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	0.48	1.21	1.21	1.04	0.58	2.18	9/26/13