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

As of March 31, 2020

 Average Annual Total Returns at NAV (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 YrsLifetimeExp.
Ratio2
Inception
Date
B-3.37-3.37-0.580.85n/a0.931.779/28/16
Fee Structure B Accounts are subject to a contingent deferred sales charge ranging from 0.50% to 5.00%. For complete details visit with your investment professional or review “Exhibit D – Fee Structure B Information” in the Program Disclosure Statement. Fee Structure B Performance

Underlying Mutual Fund Performance3

As of 12/31/2019

 Average Annual Total Returns (%)3 
Money Market FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
State Street U.S. Government Money Market Fund*
Fact Sheet, Prospectus, Annual Report
0.12GVMXX0.422.132.131.560.990.5010/25/07
 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
0.45PTSHX0.422.732.732.222.121.8110/7/87
Northern Funds Bond Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOBOX0.138.628.623.912.903.572/27/07
MainStay MacKay Total Return Bond Fund
Fact Sheet, Prospectus, Annual Report
0.60MTMIX0.279.389.384.173.144.321/2/91
American Century Short-Duration Inflation-Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.37APISX1.104.944.942.061.862.365/31/05
Touchstone High Yield Fund
Fact Sheet, Prospectus, Annual Report
0.72THIYX2.8310.908.406.663.597.691/27/12
Templeton International Bond Fund
Fact Sheet, Prospectus, Annual Report
0.83FIBZXn/a2.432.432.341.612.9912/3/07
 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
0.27DFLVXn/a25.4525.459.668.6312.752/19/93
Northern Funds Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOSIX9.0331.3531.3515.1511.5913.4110/7/96
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.56TRLGX10.0028.4928.4922.7015.9016.0410/31/01
Northern Funds Mid Cap Index Fund
Fact Sheet, Prospectus, Annual Report
0.15NOMIX6.8925.9325.939.078.8412.503/22/05
 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
0.25NOINX7.8421.9821.989.645.715.383/22/05
Neuberger Berman International Select Fund
Fact Sheet, Prospectus, Annual Report
0.81NILIX9.6226.4826.4811.196.426.3210/6/06