Fee Structure: A B C F
Age-Based Portfolios
As of December 31, 2022
APY (%)YTD Returns
w/ Sales Charge (%)1
Average Annual Total Returns w/ Sales Charge (%)1Inception
Date
Max Sales
Charge
Expense
Ratio (%)2
1 Yr3 Yrs5 YrsLifetime
Age-Based Aggressive
Ages 0-2n/a-21.54-21.542.143.676.529/28/163.50%0.97
Ages 3-5n/a-20.47-20.472.133.636.199/28/163.50%0.96
Ages 6-8n/a-19.74-19.741.723.255.599/28/163.50%0.95
Ages 9-10n/a-18.68-18.681.182.744.779/28/163.50%0.95
Ages 11-12n/a-17.86-17.860.782.424.239/28/163.50%0.96
Ages 13-14n/a-17.29-17.290.312.123.719/28/163.50%0.96
Ages 15-16n/a-15.59-15.590.081.803.079/28/163.50%0.95
Ages 17-18n/a-14.09-14.09-0.291.362.399/28/163.50%0.95
Ages 19+n/a-11.98-11.98-0.581.011.769/28/163.50%0.92
Age-Based Moderate
Ages 0-2n/a-20.47-20.472.133.636.199/28/163.50%0.96
Ages 3-5n/a-19.74-19.741.723.255.599/28/163.50%0.95
Ages 6-8n/a-18.68-18.681.182.744.779/28/163.50%0.95
Ages 9-10n/a-17.86-17.860.782.424.239/28/163.50%0.96
Ages 11-12n/a-17.29-17.290.312.123.719/28/163.50%0.96
Ages 13-14n/a-15.59-15.590.081.803.079/28/163.50%0.95
Ages 15-16n/a-14.09-14.09-0.291.362.399/28/163.50%0.95
Ages 17-18n/a-11.98-11.98-0.581.011.769/28/163.50%0.92
Ages 19+n/a-10.12-10.12-1.090.470.949/28/163.50%0.88
Age-Based Conservative
Ages 0-2n/a-19.74-19.741.723.255.599/28/163.50%0.95
Ages 3-5n/a-18.68-18.681.182.744.779/28/163.50%0.95
Ages 6-8n/a-17.86-17.860.782.424.239/28/163.50%0.96
Ages 9-10n/a-17.29-17.290.312.123.719/28/163.50%0.96
Ages 11-12n/a-15.59-15.590.081.803.079/28/163.50%0.95
Ages 13-14n/a-14.09-14.09-0.291.362.399/28/163.50%0.95
Ages 15-16n/a-11.98-11.98-0.581.011.769/28/163.50%0.92
Ages 17-18n/a-10.12-10.12-1.090.470.949/28/163.50%0.88
Ages 19+n/a-5.91-5.91-1.21-0.020.079/28/163.50%0.80
Target Portfolios
As of December 31, 2022
APY (%)YTD Returns
w/ Sales Charge (%)1
Average Annual Total Returns w/ Sales Charge (%)1Inception
Date
Max Sales
Charge
Expense
Ratio (%)2
1 Yr3 Yrs5 YrsLifetime
Target Fund 100n/a-21.54-21.542.143.677.928/2/103.50%0.97
Target Fund 80n/a-19.74-19.741.723.256.808/2/103.50%0.95
Target Fund 60n/a-17.86-17.860.782.425.478/2/103.50%0.96
Target Fund 40n/a-15.59-15.590.081.804.258/2/103.50%0.95
Target Fund 20n/a-11.98-11.98-0.581.012.768/2/103.50%0.92
Target Fixed Income Fundn/a-5.91-5.91-1.21-0.020.438/2/103.50%0.80
Individual Portfolios
As of December 31, 2022
APY (%)YTD Returns
w/ Sales Charge (%)1
Average Annual Total Returns w/ Sales Charge (%)1Inception
Date
Max Sales
Charge
Expense
Ratio (%)2
1 Yr3 Yrs5 YrsLifetime
Bank Savings 529 Portfolio
Bank Savings 529 Portfolio4.530.810.81n/an/a0.767/1/203.50%0.21
Money Market 529 Portfolio
State Street U.S. Government Money Market 529 Portfolio*n/a0.810.810.270.160.847/27/163.50%0.33
Fixed Income 529 Portfolios
PIMCO Short-Term 529 Portfolion/a-0.62-0.620.300.770.928/2/103.50%1.00
Northern Funds Bond Index 529 Portfolion/a-16.44-16.44-4.48-1.380.758/2/103.50%0.68
Fidelity Advisor Investment Grade Bond 529 Portfolion/a-16.81-16.81-3.58-0.690.4110/10/123.50%0.89
PGIM Total Return Bond 529 Portfolion/a-18.25-18.25n/an/a-5.214/28/203.50%0.92
American Century Short-Duration Inflation-Protection Bond Fund 529 Portfolion/a-7.53-7.530.911.340.679/26/133.50%0.90
BlackRock High Yield Bond 529 Portfolion/a-14.04-14.04n/an/a-6.614/15/213.50%1.11
AB Global Bond Fund 529 Portfolion/a-15.48-15.48n/an/a-8.944/15/213.50%1.03
Balanced 529 Portfolio
T. Rowe Price Balanced 529 Portfolion/a-20.46-20.460.813.086.618/2/103.50%0.98
Real Estate 529 Portfolios
DFA Real Estate Securities 529 Portfolion/a-27.97-27.97-1.30n/a1.264/9/193.50%0.71
Principal Global Real Estate Securities 529 Portfolion/a-29.72-29.72-6.26n/a-3.0011/25/143.50%1.40
Domestic Equity 529 Portfolios
DFA U.S. Large Cap Value 529 Portfolion/a-9.59-9.594.42n/a4.592/6/183.50%0.75
Northern Funds Stock Index 529 Portfolion/a-21.48-21.485.707.8911.458/2/103.50%0.63
T. Rowe Price Large-Cap Growth 529 Portfolion/a-37.81-37.811.876.9312.758/2/103.50%1.08
Northern Funds Mid Cap Index 529 Portfolion/a-16.72-16.725.255.1710.178/2/103.50%0.68
T. Rowe Price Small-Cap Value 529 Portfolion/a-21.65-21.65n/an/a-13.438/11/213.50%1.21
Northern Funds Small Cap Index 529 Portfolion/a-23.66-23.661.212.618.568/2/103.50%0.68
T. Rowe Price QM U.S. Small-Cap Growth Equity 529 Portfolion/a-25.43-25.430.614.497.399/28/163.50%1.17
International Equity 529 Portfolios
Northern Funds International Equity Index 529 Portfolion/a-17.54-17.54-0.770.293.738/2/103.50%0.77
Neuberger Berman International Select 529 Portfolion/a-25.14-25.14-0.830.754.088/2/103.50%1.34
DFA International Small Company 529 Portfolion/a-20.27-20.27-0.66-0.645.5610/10/123.50%0.92
Vanguard Emerging Markets Select Stock 529 Portfolion/a-21.45-21.45-3.83n/a-1.954/9/193.50%1.37
Commodities
Credit Suisse Commodity Return Strategy 529 Portfolio n/a11.1911.1911.625.35-2.6510/10/123.50%1.33