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 November 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	2.92	0.09	3.12	1.48	n/a	1.24	0.93	9/28/16
C	2.70	0.09	2.89	1.25	n/a	1.00	1.18	9/28/16
F	3.14	0.18	3.33	1.73	n/a	1.43	0.68	9/28/16

As of 6/30/2019

					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	0.58	1.16	2.18	1.28	0.79	0.41	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	0.50	1.56	2.03	2.50	1.90	1.97	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	2.97	6.47	7.40	2.99	2.61	4.53	1/2/91
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	1.77	n/a	3.19	1.77	1.00	2.84	5/31/05