Portfolio Overview

The Portfolio seeks growth of capital and low to moderate current income.

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

U.S. Equities 30%
International Equities 16%
Real Assets 4%
Fixed Income 50%
Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund Percent
Fixed Income
PIMCO Short-Term Fund 11%
Fidelity Advisor Investment Grade Bond Fund 10.5%
PGIM Total Return Bond Fund 12.5%
American Century Short Duration Inflation Protection Bond Fund 4%
BlackRock High Yield Bond Fund 7%
AB Global Bond Fund 5%
Real Assets
Principal Global Real Estate Securities Fund 2.5%
Credit Suisse Commodity Return Strategy Fund 1.5%
Fund Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio 6%
Northern Funds Stock Index Fund 12%
T. Rowe Price Instl. Large-Cap Growth Fund 6%
Northern Funds Mid Cap Index Fund 3%
Northern Funds Small Cap Value Fund 1.5%
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund 1.5%
International Equity
Northern Funds International Equity Index Fund 5%
Neuberger Berman International Select Fund 6.5%
DFA International Small Company Portfolio 2%
Vanguard Emerging Markets Select Stock Portfolio 2.5%

Portfolio Performance1

As of November 30, 2022

 Average Annual Total Returns w/ Sales Charge (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 YrsLifetimeExp.
Ratio2
Inception
Date
A-15.25-2.03-13.371.692.734.180.969/28/16
C-12.411.47-10.442.623.194.511.219/28/16
F-12.021.58-10.033.143.705.030.719/28/16
Fee Structure B Performance

Underlying Mutual Fund Performance3

As of 3/31/2022

 Average Annual Total Returns (%)3 
Fixed Income FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
PIMCO Short-Term Fund
Fact Sheet, Prospectus, Annual Report
0.45PTSHX-1.06-1.06-1.311.101.541.5910/7/87
Fidelity Advisor Investment Grade Bond Fund
Fact Sheet, Prospectus, Annual Report
0.49FIKQXn/an/a-3.522.802.872.808/6/71
PGIM Total Return Bond 529 Portfolio
Fact Sheet, Prospectus, Annual Report
0.39PTRQX-6.51-6.51-3.292.202.943.5012/27/10
American Century Short-Duration Inflation-Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.37APISX0.090.095.094.913.371.875/31/05
BlackRock High Yield Bond Fund
Fact Sheet, Prospectus, Annual Report
0.58BHYIX-3.97-3.970.744.964.875.9111/19/98
AB Global Bond Fund
Fact Sheet, Prospectus, Annual Report
0.50ANAZX-5.18-5.18-3.621.061.812.7511/5/07
 Average Annual Total Returns (%)3 
Real Estate FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Principal Global Real Estate Securities Fund
Fact Sheet, Prospectus, Annual Report
0.87PGRSX-5.39-5.3911.866.808.628.5210/1/07
 Average Annual Total Returns (%)3 
Domestic Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
DFA U.S. Large Cap Value Portfolio
Fact Sheet, Prospectus, Annual Report
0.22DFLVX-0.35-0.3511.2412.8310.0712.332/19/93
Northern Funds Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOSIX-4.63-4.6315.5118.7915.8614.5210/7/96
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.56TRLGX-13.25-13.253.0918.6720.0017.0310/31/01
Northern Funds Mid Cap Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOMIX-4.92-4.924.4413.9910.9412.033/22/05
Northern Funds Small Cap Value Fund
Fact Sheet, Prospectus, Annual Report
1.00NOSGX-2.82-2.823.299.446.259.474/1/94
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund
Fact Sheet, Prospectus, Annual Report
0.65TQAIX-11.59-11.59-5.4511.4811.6712.646/30/97
 Average Annual Total Returns (%)3 
International Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Northern Funds International Equity Index Fund
Fact Sheet, Prospectus, Annual Report
0.24NOINX-6.77-6.770.137.336.426.063/22/05
Neuberger Berman International Select Fund
Fact Sheet, Prospectus, Annual Report
0.81NILIX-12.20-12.20-1.539.458.116.6510/6/06
Vanguard Emerging Markets Select Stock Fund
Fact Sheet, Prospectus, Annual Report
0.84VMMSX-7.25-7.25-13.094.805.863.916/27/11
DFA International Small Company Portfolio
Fact Sheet, Prospectus, Annual Report
0.39DFISXn/an/a-0.129.316.817.679/30/96
 Average Annual Total Returns (%)3 
Commodities FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Credit Suisse Commodity Return Strategy Fund
Fact Sheet, Prospectus, Annual Report
0.80CRSOX25.5725.5750.7417.009.27-0.6212/30/04