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 March 31, 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	-0.46	-0.46	1.49	1.25	n/a	1.05	0.93	9/28/16
C	-0.56	-0.56	1.14	0.96	n/a	0.77	1.18	9/28/16
F	-0.36	-0.36	1.74	1.51	n/a	1.24	0.68	9/28/16

As of 12/31/2019

					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	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	0.45	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
MainStay MacKay Total Return Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	MTMIX	0.27	9.38	9.38	4.17	3.14	4.32	1/2/91
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