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

Portfolio Overview

The Portfolio seeks growth of current income.

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

U.S. Equities	8%
International Equities	2%
Fixed Income	67%
Money Market	23%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	23%
Fixed Income
PIMCO Short-Term Fund	22%
Northern Funds Bond Index Fund	13%
MainStay MacKay Total Return Bond Fund	12%
American Century Short Duration Inflation Protection Bond Fund	14%
Touchstone High Yield Fund	3%
Templeton International Bond Fund	3%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	2%
Northern Funds Stock Index Fund	3%
T. Rowe Price Instl. Large-Cap Growth Fund	2%
Northern Funds Mid Cap Index Fund	1%
International Equity
Northern Funds International Equity Index Fund	1%
Neuberger Berman International Select Fund	1%

Portfolio Performance¹

at NAV

w/ sales charge

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	5.93	0.74	5.21	3.12	n/a	2.75	1.02	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

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
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	2.83	10.90	8.40	6.66	3.59	7.69	1/27/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.83	FIBZX	n/a	3.77	7.28	4.70	0.65	4.11	12/3/07
					Average Annual Total Returns (%)³
Domestic Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
DFA U.S. Large Cap Value Portfolio Fact Sheet, Prospectus, Annual Report	0.27	DFLVX	n/a	n/a	2.96	11.10	7.15	14.36	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	4.29	18.50	10.33	14.08	10.61	14.55	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	3.00	18.12	9.96	23.13	15.13	17.80	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	3.01	17.85	1.18	10.72	7.84	14.42	3/22/05
					Average Annual Total Returns (%)³
International Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Northern Funds International Equity Index Fund Fact Sheet, Prospectus, Annual Report	0.25	NOINX	3.63	14.22	1.10	8.85	2.14	6.72	3/22/05
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	3.53	15.57	0.09	8.66	3.27	7.37	10/6/06