Download Retirement Plan Enrollment Booklet

Get Real With
Your Retirement
A Guide To Enrolling In Your Retirement Plan
Messiah College Defined Contribution Retirement Plan
x
Time To Dream
If you’re living the American Dream — or simply living in America — it’s a
given that you have competing financial priorities. Maybe you’re saving for
a new home, season tickets or a European vacation. Perhaps you’re losing
sleep wondering how you’re going to cover your child’s college tuition
and your aging parents’ care at the same time. Or maybe you’re too busy
worrying about the garden-variety expenses of everyday living.
Any time more than one issue is competing for your attention, there’s
typically a loser; in the battle of financial goals, it’s often retirement. Losing
this battle could mean less financial resources to rely on during what may
be three — or more — decades in retirement.
Consider this booklet to be one resource to help you reach your retirement
goal. Its purpose is to motivate you to develop a clear vision of what your
retirement will be, as well as a savings and investment plan that will fit
into your life right now.
What Can You Do To Prepare For Your Life
After Working?
You can get real about your retirement needs, hopes and dreams. To get
you started down this path, here are a few questions to inspire you.
To get started now, enroll:
Online (www.standard.com/retirement)
By phone (800.858.5420)
With the forms in this booklet
•
•
•
•
Where will you be?
What will you be doing?
Will you continue to work doing something you love?
How much savings will you need?
Your answers will define your retirement.
As you think about how and where you’ll be spending your life after work,
it makes sense to pause and think about retirement as a whole. What does
this word mean to you?
It likely means something different to you than it does to your friend,
co-worker, neighbor or brother. But while you all have different visions, you
just might agree that before any of your retirement dreams can become
reality, planning and saving must come first.
Planning Transforms Dreams Into Reality
As you make your way through the booklet, keep the following things
foremost in mind:
•
•
•
Your retirement dreams (your answers from above)
How starting to save early can help, but just starting is most important
The plan you set in motion today can help you reach your
retirement goal
Pre-Tax Savings
Your contribution will be deducted on a pre-tax basis — before taxes
are withheld — which will reduce your income taxes and reduce the
out-of-pocket cost of contributing to the plan. In addition, certain people
may qualify for tax credits that will further reduce the out-of-pocket cost
of saving.
The table below can help you estimate how much money will come out
of your paycheck before taxes compared to the amount you are actually
contributing to your retirement account.
The figures are based on the 2011 federal tax rate: single filer, withholding
one, no state tax. Your actual dollar amounts may vary.
1. Find your approximate weekly gross pay across the top.
2. Find the percentage you intend to contribute along the left edge.
3. The top (black) number shows your contribution amount, and the bottom
(blue) number shows the amount by which your paycheck is actually
reduced. The difference represents your tax withholding savings.
The highlighted areas of the chart illustrate the saving scenario for
someone making $800 a week and contributing 9 percent to her retirement
account. She contributed $72, but her paycheck was only reduced by
$57. The $25 difference represents her tax withholding savings.
Tax Savings Calculator For Pre-tax Contributions1
Anne, age 60; Roger, age 64
så -ARRIEDåFORååYEARS
Gross Weekly Salary
TN_EdSet_NAE.pdf
10.17.2011
Contribution Percentage
så 4HREEåGRANDCHILDREN
$400
$500
$600
$700
$800
$900 $1,000 $1,500 $2,000
4%
16
13
20
17
24
19
28
23
32
23
36
26
40
30
60
27
80
58
5%
20
17
25
20
30
25
35
29
40
31
45
32
50
37
75
40
100
72
6%
24
19
30
25
36
30
42
34
48
37
54
39
60
45
90
53
120
86
7%
28
23
35
29
42
34
49
41
56
44
63
45
70
52
105
65
140
101
8%
32
26
40
34
48
40
56
47
64
50
72
52
80
60
120
78
160
115
9%
36
30
45
37
54
45
63
52
72
57
81
58
90
67
135
91
180
130
10%
40
34
50
42
60
51
70
59
80
65
90
67
100
75
150
104
200
144
11%
44
36
55
46
66
55
77
65
88
71
99
74
110
82
165
116
220
158
12%
48
40
60
51
72
60
84
70
96
78
108
80
120
90
180
129
240
173
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a retirement date
1 Amounts saved in the plan are taxable upon withdrawal.
Enroll now! www.standard.com/retirement, 800.858.5420
1
STN_EdSet _Approach_MM.pdf 10.17.2011
Pick Your Approach
With any luck, the talk about tax savings has motivated you to take action
about your retirement. As you begin to plan, the two most important
decisions you will face are:
•
How much do I need to save?
•
How will I invest it?
Few of us feel adequately prepared by our education or life experience to
make these important decisions. The good news is that your plan is working
with The Standard to offer options that will simplify the process of making
these decisions.
Simply choose one of these three different approaches — Managed, Guided
or Independent — to receive the amount of assistance you need to make
these important decisions and move closer to reaching your retirement goals.
Managed may be a
good choice if you:
• Need help to regularly and realistically
evaluate your situation
• Need professional advice to determine
how much to save and how to manage
your investments
• Want automatic adjustments to your
savings rate and investment mix over
time or as life events occur
• Want to improve the accuracy of your
plan by providing additional financial
information about you and your
spouse/partner
Managed: Do It All For Me
Managed takes away the headache of overseeing your retirement account. If
you choose Managed, The Standard will manage both sides of the equation:
your savings rate and investment allocation. You will receive professional
retirement and investment planning services designed to help you identify your
future retirement income needs and develop a real plan to meet your goals.
With Managed, we:
•
Get to know you and your retirement income goals
•
Tailor a comprehensive Savings Plan Strategy to help you reach your goals
•
Create a personalized Investment Plan Strategy based on your individual
needs (risk tolerance, retirement date, and other considerations)
•
Help you get started
•
Invest and professionally manage your portfolio through StanCorp
Investment Advisers, Inc., a registered investment advisor
•
Keep you on track through automatic adjustments to your savings rate,
investment mix and rebalancing of your portfolio
•
Help plan for the transition into retirement
We’ll use the information you provide to help you determine your current
status and estimate your needs for tomorrow. If your circumstances change
or if you have questions, you can always call one of our professional
investment advisor representatives between 5 a.m. and 5 p.m. Pacific
Standard Time (8 a.m. and 8 p.m. Eastern Standard Time).
Your investment portfolio will be professionally managed, automatically
rebalanced according to your investment directives, and assessed on an
ongoing basis.
2
Standard Retirement Services, Inc.
STN_EdSet _Approach_MM.pdf 10.17.2011
Guided: Guide Me Through The Process
Guided takes the mystery out of fund selection for your retirement plan
account. You will have all the information and tools you need to navigate the
entire decision-making process. By following a simple, step-by-step process,
you will be able to answer the question “How should I invest my money?”
With Guided, we:
•
Provide tools to help you reach your retirement income goals
-- a calculator to determine whether you are on track to reach your
retirement goals
-- a calculator to determine how much to save
-- a quiz (on the following page or online at www.standard.com/retirement)
•
Offer pre-mixed investment portfolios that provide a diversified investment
portfolio for your tolerance for risk and timeline until retirement
•
Offer automatic rebalancing of your portfolio
Guided may be a
good choice if you:
• Prefer to evaluate your situation
annually using available tools
• Want to set and manage your
savings rate
• Want to use pre-mixed investment
portfolios to manage your
own investments
• Need a little help managing
your investments
• Want your account to be
automatically rebalanced
Your quiz score is an important piece to the Guided process. The score will
help identify which pre-mixed portfolio will provide you with a diversified
investment strategy that is appropriate for your circumstances. You can then
set investment directives and transfer assets to be consistent with the chosen
portfolio. The quiz takes about 10 minutes and should be taken annually; if
results change, you will have the opportunity to adjust investment portfolios in
line with your new score.
Independent: I’ll Do It All Myself
If you prefer doing your own research when it comes to your retirement
planning, Independent is for you. You can maintain personal control over
your retirement account using the quality investment options in your plan.
You can still rely on The Standard for educational and online planning tools
that help you navigate the investing landscape.
You will have all the same benefits of Guided, but with a difference. Rather
than select one of the pre-mixed portfolios, you will have access to a
diversified selection of investment options to help you implement your own
unique investment strategy.
Ready To Sign Up Now?
Independent may be a
good choice if you:
• Prefer to evaluate your situation
annually using available tools
• Want to set and manage your
savings rate
• Prefer to do your own
investment research
• Want to rebalance your portfolio
yourself as needed
• Want to increase your savings
rate yourself as needed
Regardless of which approach you take — Managed, Guided or Independent
— the “Time to Enroll” section has all the instructions you need to sign up.
Enroll now! www.standard.com/retirement, 800.858.5420
3
Find Your Investment Style
Take the quiz to determine which pre-mixed portfolio is appropriate for you. After each question, circle the letter that
best describes you. Then add up the points and match the total with the investor profile on the next page. Please
note that this profiling tool is only a guide; for advice specific to your situation, you will want to consider other factors,
such as your retirement savings, tax considerations and investing time frame. You should contact your investment
professional or tax advisor for personalized advice.
Investor Profile Quiz
1. When do you expect to tap into
your retirement account?
a.
b.
c.
d.
Points
Less than five years
Between five and 10 years
Between 10 and 15 years
More than 15 years
0
20
30
40
Score:
2. What do you expect to happen to your
pay (salary) in the next five years?
Points
a I expect my pay to increase much faster than
inflation (due to promotions, new job, etc.).
b. I expect my pay to increase
slightly faster than inflation.
c. I expect my pay to just keep up with inflation.
d. I expect my pay to decrease (due to retirement,
part-time work, depressed industry, etc.).
12
5
0
0
b. I can tolerate a small amount of fluctuation
in my investment account, and I am seeking
consistent returns.
c. I am middle-of-the-road, prefer both growth
potential and consistency of returns and can
tolerate a fair amount of market movement in
exchange for attractive long-term returns.
d. I am willing to assume a relatively high level
of volatility for potentially greater returns.
e I am seeking maximum long-term growth, even
if it means wide swings in my account value.
a. I am willing to take a lot of risk
with all of my retirement account.
b. I am willing to take a lot of risk
with some of my retirement account.
c. I am willing to take a little risk
with all of my retirement account.
d. I am willing to take a little risk
with some of my retirement account.
e. I am unwilling to take on more risk.
12
8
4
0
5. If the stock market went down
15 percent, what would you do?
Points
a. Sell all of my stock funds immediately and
put the money in something more stable.
b. Transfer some of my stock funds into
less aggressive investments.
c. Do nothing and wait for it to come back.
d. Buy more: increase my stock investments
while prices are low.
0
2
4
8
Score:
4
8
12
15
6. If you received several statements in a row with
negative returns and realized that your account
had lost 20 percent, what would you do?
Points
a. Sell all of my stock funds immediately and
put the money in something more stable.
b. Transfer some of my stock funds
into less aggressive investments.
c. Do nothing and wait for it to come back.
d. Buy more: Increase my holdings
in stock funds while prices are low.
Score:
Enter your total score:
4
15
Score:
Points
a I am seeking maximum stability,
even if returns are low.
Points
10
Score:
3. How do you feel about
investing for retirement?
4. How much risk are you willing to
take in order to potentially increase
your investment return?
Standard Retirement Services, Inc.
Score:
0
3
6
10
Use Your Quiz Results To Select A Portfolio
Your asset allocation is an important part of your investing strategy. The following pre-mixed portfolios show how
you may want to diversify your investments. Match your score from the Investor Profile Quiz to help determine which
portfolio is appropriate for you. If you need more information, you may wish to contact a personal financial advisor.
Guided Portfolios
Conservative
(Score: Less than 40)
Moderately
Conservative
Moderate
Moderately
Aggressive
Aggressive
(Score: 54-66)
(Score: 67-79)
(Score: 80 and above)
(Score: 41-53)
■ Cash Equivalents
30%
■ Cash Equivalents
20%
■ Cash Equivalents
10%
■ Cash Equivalents
■ Bonds
50%
■ Bonds
40%
■ Bonds
30%
■ Bonds
■ Lg Cap Stocks
13%
■ Lg Cap Stocks
26%
■ Lg Cap Stocks
39%
■ Sm/Mid Cap
4%
■ Sm/Mid Cap
8%
■ Sm/Mid Cap
■ Int’l Stocks
3%
■ Int’l Stocks
6%
■ Int’l Stocks
Less Risk/Less Potential Return
■ Cash Equivalents
0%
20%
■ Bonds
0%
■ Lg Cap Stocks
52%
■ Lg Cap Stocks
65%
12%
■ Sm/Mid Cap
16%
■ Sm/Mid Cap
20%
9%
■ Int’l Stocks
12%
■ Int’l Stocks
15%
0%
Higher Risk/Higher Potential Return
You should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. Smallcompany (small cap) investing involves specific risks not necessarily encountered in large-company investing, such as increased volatility. Funds that invest in bonds are
subject to certain risks, including interest-rate risk, credit risk and inflation risk. As interest rates rise, the prices of bonds fall. International investing involves certain risks,
such as currency fluctuations, economic instability and political developments. These risks may be accentuated in emerging markets.
Your plan may be funded by a mutual fund trust or a group annuity contract. Both are suitable for long-term investing, including saving for retirement. While annuities generally
provide tax-deferred treatment of earnings, the group annuity contract does not provide any additional tax-deferred treatment beyond the treatment provided by your
retirement plan.
We’ll Rebalance For You
STN_EdSet _GuidedPorts.pdf 10.17.2011
The Standard can rebalance your portfolio to ensure it stays in line with your original wishes. On the Investing Form,
you can indicate how frequently you’d like your portfolio rebalanced: quarterly, semiannually or annually.
Enroll now! www.standard.com/retirement, 800.858.5420
5
Time To Enroll
Take Action Today!
Take an important step toward making tomorrow financially secure and join
your retirement savings plan today. Take advantage of your employer’s plan,
which offers a rewarding way to invest for your retirement. The amount you
invest now might make the difference between having financial security in
retirement and just getting by.
It’s easy to enroll in your employer’s plan. These enrollment materials have all
of the forms you need and information on the investment choices offered by
the plan. Please read all of the materials you receive carefully before making
any decision about how to invest your money. If you have any questions
about the plan, be sure to contact your plan administrator.
To complete the enrollment
process, return the forms
to the designated person or
department. Once received,
your contributions will be
deposited in your retirement
account beginning with the
first contribution following
your date of participation.
How To Sign Up For Managed
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10.17.2011
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6
Standard Retirement Services, Inc.
Mainspring Managed Savings Form
Messiah College Defined Contribution
Retirement Plan
#807945
By completing this form, I am signing up for Mainspring Managed. I understand StanCorp Investment Advisers, Inc. will develop a
Savings and Investment Plan designed just for me. They will also work with me on an ongoing basis to update my plan as my
personal circumstances change. I also understand that the monthly fee for Mainspring Managed services will be deducted directly
from my account and that the total amount charged depends on my account balance. This fee is waived for 90 days following
your initial enrollment in the service.
Account Balance
Fee
$0.00 to $5,000.00
$5,000.01 to $10,000.00
$10,000.01 and up
$0.00
$5.00
$10.00
Social Security Number
Last Name
First Name
Mailing Address
City
State
Date of Birth (mm/dd/yy)
Date of Hire (mm/dd/yy)
Expected Retirement Age (default 59)
Phone Number
E-mail Address
Zip
HOW MUCH DO YOU WANT TO SAVE?
The smallest amount you can contribute is 1% of your compensation. The most you can save during 2013 is $17,500 ($23,000
if you are age 50 or older). This amount includes both pre-tax and after-tax Roth contributions. Other plan or legal limits may
also apply.
I elect to contribute as pre-tax contributions:
_______ %
I elect to contribute as after-tax Roth contributions:
_______ %
MY RISK TOLERANCE
Select one of the three options below regarding your risk tolerance. (If you do not complete this question, we will assume you
are a middle-of-the-road investor.) StanCorp Investment Advisers is available to assist you with more detailed planning. We
encourage you to complete the Mainspring Managed Supplemental Information Form located in the enrollment booklet so we
can provide you with guidance that is tailored to your needs.
I am seeking maximum stability even if returns are low.
I am a middle-of-the-road investor and prefer both growth potential and consistency of returns.
I am seeking maximum long-term growth, even if it means wide swings in my account value.
AUTHORIZATION
I authorize my employer and the plan administrator to deduct from my earnings the amounts determined by the percentage(s)
designated above and to forward such amounts to the Plan. I authorize annual increases to my savings amount. I also direct my
employer and the plan administrator to implement any other instructions I have provided on this form. I have read the Disclosure
Statement and Mainspring Managed Agreement in the following sections and, by signing here, I agree to be bound by their terms. The
employer, trustees and any others concerned with the administration of the plan are entitled to rely on these instructions; each shall be
fully protected in taking or omitting any action under any provisions of the plan in reliance on this information.
Participant Signature
_____________________________________________
Date __________________________
7
807945
(3/08)
DISCLOSURE STATEMENT
You must notify The Standard within 15 days of receipt of your quarterly account statement if you think an error has occurred, or if you
requested and confirmed an investment transfer or directive change that was not completed during the period covered by the statement. You
may give notice by contacting a customer service representative at 800.858.5420 or by e-mailing [email protected]. Unless you give
such notice, The Standard will not be liable for any resulting loss to your account. In any case, The Standard will not be liable if circumstances
beyond its control prevent the transaction, or if its liability is otherwise limited by regulation or agreement.
MAINSPRING MANAGED AGREEMENT
This Agreement is between you, a participant in a retirement plan, and StanCorp Investment Advisers, Inc. (“us” or “we”), for a specific
advisory service called Mainspring Managed. Access to Mainspring Managed is provided to you by the sponsor of your retirement plan.
Termination of the agreement between the plan sponsor and StanCorp Investment Advisers will end your access to the Mainspring Managed
service.
While this Agreement is in effect, StanCorp Investment Advisers will:
1. Assist in establishing, reviewing and updating your investment goals.
2. Assist in selecting and monitoring the investment funds in your portfolio.
3. Determine, review and change the allocation of assets in your investment account through the use of an asset allocation model and
periodically rebalance your account to your target allocation.
4. Provide telephone access to an investment advisor representative to address specific changes to your personal and financial
circumstances and how they may affect your investment account.
5. Monitor, report and assess your investment results on no less than a quarterly basis.
You may be charged a monthly fee during the time this agreement remains in effect; please refer to the first paragraph on the front of this form
for fee information.
This Agreement will remain in effect until you opt out of the Mainspring Managed service by calling our Advisory Service Center, by
withdrawing your entire vested account balance from the plan or by other means that we make available to you. The Agreement will terminate
if your entire account is transferred to your beneficiary or to an alternative payee pursuant to a qualified domestic relations order. In addition,
you or we may terminate the Agreement at any time after providing written notice to the other party. You may revoke this Agreement within 10
days of its effective date without being charged a fee.
The Mainspring Managed service will be available to you only while the agreement between your plan sponsor and StanCorp Investment
Advisers is in effect. If your employer ceases to offer the Mainspring Managed service, your participation in it will cease and this Agreement
will terminate.
You acknowledge and understand that StanCorp Investment Advisers will have discretion to supervise, manage and direct the assets in your
investment account and any subsequent additions to the investment account. While this Agreement is in effect, StanCorp Investment
Advisers will have authority to adjust your contribution amount, and invest, reinvest, exchange and trade the assets in your investment
account among the investments selected by the plan’s trustees or other fiduciary, all without prior consultation with you, as we deem
appropriate. You will receive notice prior to any adjustment of your contribution amount so that you may instruct StanCorp Investment
Advisers or its agent not to make that change.
You understand that your savings and investment strategy will be based on the personal information you provide, data we have available about
your retirement savings and assumptions about future economic results and mortality determined by StanCorp Investment Advisors. If you
have assets with another provider that are included on your quarterly statement, we will assume those assets are invested in a portfolio of
assets with risk and return characteristics similar to that of your managed portfolio.
Further, you acknowledge that this service is intended as a long-term investment program and that the value of your portfolio will fluctuate. We
cannot guarantee the profitability of your portfolio. Past performance is no guarantee of future results.
You agree that StanCorp Investment Advisers will have no liability for any advice given to you based on inaccurate personal information
provided by you or your plan sponsor to us on any information form or by telephone or electronic medium. You also agree that StanCorp
Investment Advisers will not be liable for any tax which may result from a securities transaction effected or omitted under this Agreement.
We agree not to assign this Agreement within the meaning of the Investment Advisers Act of 1940 as amended without your prior written
consent.
You acknowledge receipt of our Disclosure Statement, Part II of the Form ADV, as amended to date, or a separate brochure which contains
the Part II information.
This Agreement constitutes the only agreement between you and StanCorp Investment Advisers with respect to the provision of Mainspring
Managed services.
Please return this signed document to:
Standard Retirement Services, Inc.
New Business, P9A
1100 SW Sixth Avenue
Portland, Oregon 97204
The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, distributes
group annuity contracts issued by Standard Insurance Company and may provide other brokerage services. Third-party administrative services
are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a
registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc., and StanCorp
Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations.
8
807945
(3/08)
Mainspring Supplemental Information Form
Messiah College Defined Contribution Retirement Plan
#807945
StanCorp Investment Advisers, Inc. will provide a more detailed Savings and Investment Plan if you provide
additional information. Please complete this form, which is confidential and is not shared with your employer. If you
have questions about how to complete this form, contact the Advisory Service Center at 800.858.5420.
SECTION 1: YOUR INFORMATION
Social Security Number
Last Name
First Name
Date of Birth
SECTION 2: SCOPE OF RECOMMENDATION
Check either Yes or No. If you select Yes, you must complete Section 3. If you do not complete Section 3, we cannot include
information about your spouse/partner in our recommendations.
Yes, I want to include information about my spouse/partner. The recommendations from StanCorp Investment Advisers,
Inc. will address the goal of providing a retirement income that will support both me and my spouse/partner. I
understand that if I don’t provide the following information about my spouse/partner, StanCorp Investment
Advisers cannot include my spouse/partner in its planning.
No, I do not want to include information about my spouse/partner. I understand that the recommendations from
StanCorp Investment Advisers will focus on providing a retirement income that will support only myself. Please
continue to Section 4. Do NOT complete Section 3.
SECTION 3: INFORMATION ABOUT YOUR SPOUSE/PARTNER (Complete if you answered "Yes" in Section 2)
1.
Are you planning to tap into your retirement savings as of your retirement date, or your spouse/
partner’s retirement date?
2.
3.
Spouse/Partner’s Date of Birth (If not provided, we are unable to use your spouse/partner’s
retirement date.)
Spouse/Partner’s Expected Retirement Age (We will assume age 65 if no response
is provided.)
4.
Spouse/Partner’s Current Annual Salary (We will assume $0 if no response is provided.)
5.
Spouse/Partner’s Retirement Plan - 401(k)
_____/_____/_____
_____
$ _________
a. Current Pre-Tax Account Balance (include only your spouse/partner’s pre-tax
401(k) balance)
$ _________
b. Current Roth Account Balance (include only your spouse/partner’s Roth 401(k) balance)
$ _________
c. Approximate percent of salary your spouse/partner contributes each year (pre-tax)
_____%
d. Approximate percent of salary your spouse/partner contributes each year (Roth)
_____%
e. Employer Match (Please indicate a single percentage for your spouse/partner’s match. For
example, if your spouse/partner’s plan provides a match of 50% on the first 4% of salary,
you would indicate a match of 2% (4% multiplied by 50%)).
_____%
f. What percent of the current account balance is invested in stocks or stock funds? (If not
provided, we will assume a response of “Between 30%-70%.”)
Please place in supplied envelope
or return signed document to:
807945
Self
Spouse/Partner
Standard Retirement Services, Inc.
1100 SW Sixth Avenue, P9A
Portland, Oregon 97204
Fax: 971.321.7998
Less than 30%
Between 30%-70%
Greater than 70%
Continued on back
(3/08)
9
SECTION 4: OTHER RETIREMENT INCOME (Combined totals for you and your spouse/partner)
Outside Tax-Deferred Savings (Excluding Current Employer 401(k) Balance)
Please provide information about any tax-deferred savings you or your spouse/partner have set aside for retirement. Do not
include savings that will be used for other expenses such as college tuition. Examples include:
·
Retirement plan assets from another employer (If you included your spouse/partner’s retirement 401(k) balance in Section 3, do not
add it again here.)
·
Traditional (pre-tax) Individual Retirement Accounts (IRAs)
·
Annuities
a.
Current combined account balance
$ _________
b.
Approximate combined amount you and your spouse/partner contribute each year
$ _________
c.
Do you and your spouse/partner plan to increase your contribution as your salary increases?
(We will assume “no” if no response is provided.)
d.
Percent of the current account balance invested in stocks or stock funds?
(We will assume “Between 30%-70%” if no response provided.)
Yes
No
Less than 30%
30%-70%
Greater than 70%
Outside Roth IRA and Roth 401(k) Savings
Please provide information about any Roth IRA savings you or your spouse/partner have set aside for retirement.
a.
Current combined account balance
$ ________
b.
Approximate combined amount you and your spouse/partner contribute each year
$ ________
c.
Do you and your spouse/partner plan to increase your contribution as your salary increases?
(We will assume “no” if no response is provided.)
d.
Percent of the current account balance invested in stocks or stock funds?
(We will assume “Between 30%-70%” if no response provided.)
Yes
No
Less than 30%
30%-70%
Greater than 70%
Outside Non-Tax-Deferred Savings
Please provide information about any non-tax-deferred savings you and your spouse/partner have set aside for retirement. Examples include:
·
·
·
·
·
Bank Account
Certificates of Deposit
Mutual Funds not part of a retirement plan
Stocks and Bonds not part of a retirement plan
Brokerage Accounts
a.
Current combined account balance
$ _________
b.
Approximate combined amount you and your spouse/partner contribute each year
$ _________
c.
Do you and your spouse/partner plan to increase your contribution as your salary increases?
(We will assume “no” if no response is provided.)
d.
Percent of the current account balance invested in stocks or stock funds?
(We will assume “Between 30%-70%” if no response provided.)
Yes
No
Less than 30%
30%-70%
Greater than 70%
Pension Plan Income
If you expect to have income from a defined benefit pension plan during retirement, enter the monthly
benefit here. Enter amounts for you and your spouse/partner payable at your individual expected
retirement dates. You may receive a statement from your Plan Administrator periodically that contains
this information. Don’t forget to include any benefits payable from companies from which you’ve
terminated employment.
Self $_______
(per month)
Partner $_______
(per month)
Social Security Income
Include Social Security Income in retirement planning assumptions? (We will assume "Yes" if no response is provided.)
Yes
No
SECTION 5: EMPLOYEE CERTIFICATION
This certifies that all of the above information is accurate. I understand that I am responsible for contacting the Advisory Service Center at
800.858.5420 to update my personal information on a regular basis.
_____________________________________________________
______________________________________________
Signature
Date
_____________________________________________________
______________________________________________
Printed Name
Social Security Number
10
807945
(3/08)
StanCorp Investment Advisers, Inc.
www.stancorpadvisers.com
1100 SW Sixth Avenue
Portland, OR 97204
tel 971.321.8844 800.378.5742
fax 971.321.5890
This brochure is the StanCorp Investment Advisers, Inc., plain English disclosure brochure. If you have any questions about the contents of this
brochure, please call 800.378.5742. The information in this brochure has not been approved or verified by the United States Securities and Exchange
Commission or by any state securities authority.
Additional information about StanCorp Investment Advisers, Inc., is also available on the SEC’s website at www.adviserinfo.sec.gov.
Material Changes
On July 28, 2010, the United State Securities and Exchange Commission (“SEC”) published “Amendments to Form ADV” which impacts the
disclosure document that we provide to clients. This Brochure dated March 31, 2011 is a new document prepared according to new SEC
requirements and is materially different as compared to our previous brochure. In the future, this section of the Brochure will address only “material
changes” since our last delivery or posting on the SEC’s public website.
Table of Contents
• Advisory Business
• Fees and Compensation
• Performance Based Fees
• Types of Clients
• Methods of Analysis, Strategies and
Risk of Loss
• Disciplinary Information
• Other Financial Industry Activities and
Affiliations
• Code of Ethics
• Brokerage Practices
• Review of Accounts
• Client Referrals and other
Compensation
• Custody
• Investment Discretion
• Voting Client Securities
• Financial Information
Advisory Business
StanCorp Investment Advisers is a wholly owned subsidiary of StanCorp Financial Group, Inc. (StanCorp). StanCorp is also the holding company for
Standard Insurance Company; Standard Life Insurance Company of New York; Standard Retirement Services, Inc.; StanCorp Mortgage Investors,
LLC, a commercial loan underwriter; StanCorp Real Estate, LLC, a real estate investment and property management company and StanCorp
Equities, Inc., a limited broker-dealer. All of these entities are marketed under the name, The Standard. StanCorp Investment Advisers, Inc., joined
the family of subsidiaries under the StanCorp Financial Group umbrella in May 2000.
StanCorp Investment Advisers, Inc., provides investment management services to clients with a variety of investment goals. Our largest client is
Standard Insurance Company, for whom we manage more than $6 billion of investment-grade, fixed-income securities. The portfolio may include
other investment vehicles as necessary to meet the investment objectives of Standard Insurance Company. We also manage third-party investment
manager relationships for The Standard.
In addition, we offer investment consulting services to the retirement plan clients of Standard Insurance Company and Standard Retirement Services,
Inc. These services include:
•
•
•
•
•
•
fund selection and monitoring for group variable annuity separate accounts, and the Standard Retirement Services, Inc.
Net Asset Value (NAV) platform.
development and maintenance of model fund portfolios for defined contribution plans.
fund portfolio construction for defined benefit plans.
assistance in selecting funds for specific retirement plan menus and portfolios.
quarterly monitoring reports reflecting the performance of funds offered to The Standard’s retirement plan clients.
participant level advice through the Mainspring Managed service.
We provide investment advice to the Reliance Advisory Portfolio Collective Trusts, a series of 15 collective trusts owned by Reliance Trust. These
collective trusts invest in unaffiliated mutual funds representing a broad range of asset categories. There are 10 fully diversified portfolios and five
style-based portfolios each representing the large-cap, small- and mid-cap, fixed income, short-term fixed income and international equity categories
respectively. The Reliance Advisory Portfolio Collective Trusts are available only to clients of Standard Retirement Services, Inc.
Our private client service offers fee-only financial planning and investment management using mutual funds, stocks and bonds. Clients work directly
with an investment counselor to assess their financial situations, set objectives and determine the most appropriate investment approach for each
individual.
Investment portfolios are tailored to meet the needs of the specific client. Clients may place restrictions on the investments made in their accounts.
Total assets managed at Dec. 31, 2010, were $17.2 billion. Of that, $8.1 billion was managed on a discretionary basis, and $9.1 billion was managed
on a non-discretionary basis for retirement plan clients.
Fees and Compensation
Our fee schedule for individual accounts managed primarily using mutual funds is 1.00 percent for assets up to $1 million, 0.50 percent for assets
between $1 million and $5 million and 0.25 percent for assets greater than $5 million.
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Our fee schedule for individual accounts utilizing our active management strategies with mutual funds is 1.00 percent for assets up to $1 million, 0.85
percent for assets from $1 to $3 million, 0.75 percent for assets from $3 to $5 million and 0.50 percent for assets greater than $5 million.
Our fee schedule for individual accounts utilizing one of our equity strategies is 1.25 percent for assets up to $1 million, 1.10 percent for assets from
$1 million to $3 million, 1.0 percent for assets from $3 million to $5 million and 0.75 percent for assets greater than $5 million.
Financial planning only engagements generally have a minimum fee of $2,500.
Standard Insurance Company and Standard Retirement Services, Inc., pay a fixed retainer to StanCorp Investment Advisers, Inc., for services
provided to all of the retirement plan clients of The Standard. In addition, retirement plan clients pay Standard Retirement Services, Inc., an asset
based fee. In some cases, clients pay additional fees to the custodian. Participants enrolled in the Mainspring Managed service may pay Standard
Retirement Services, Inc., a per participant fee.
Fees are negotiable. Retainer and hourly fees are negotiated at the time of engagement. Asset-based and retainer fees are charged quarterly for
services rendered in the previous quarter. Hourly fees are charged within 30 days of the provision of services. Clients may terminate their contracts at
any time. The client will be billed from the beginning of the quarter to the termination date.
Portfolios that include mutual funds have a layered fee structure. In addition to the management fees paid to StanCorp Investment Advisers, Inc., the
mutual funds’ expenses are netted out of the value of the mutual funds.
Individual clients may incur transaction charges from their custodian whenever transactions are placed for their accounts. Please see the Brokerage
Practices section of this brochure. Clients may choose to have their StanCorp Investment Advisers, Inc., fees deducted from their custody account or
they may choose to pay their fees directly.
StanCorp Investment Advisers, Inc., may recommend mutual funds that are no-load or those having a 12b-1 fee. In no case does StanCorp
Investment Advisers, Inc., receive compensation from mutual fund companies. If a 12b-1 fee is paid, in the case of retirement plans, it is returned to
the plan sponsor as a reduction of their Standard Retirement Services, Inc., asset based fee. For private clients, the 12b-1 fee may be retained by the
custodian in lieu of transaction fees.
StanCorp Equities, Inc., an affiliated broker dealer, does not process transactions. In some cases, it serves as a pass-through for 12b-1 fees for
retirement plan clients of Standard Retirement Services, Inc. Clients purchase investments StanCorp Investment Advisers, Inc., recommends
through unaffiliated custodians or through the Standard Insurance group variable insurance contract.
Performance Based Fees
We do not offer performance based fee schedules.
Types of Clients
StanCorp Investment Advisers, Inc., provides fixed income portfolio management services to our sister subsidiaries. In addition, we provide
investment consulting services to the retirement plan clients of Standard Retirement Services, Inc., and Standard Insurance Company as well as
some retirement plan clients not administered by our sister subsidiaries. We are the investment adviser to the participants in the Mainspring Managed
service offered by Standard Retirement Services, Inc., and the Reliance Trust collective trust portfolios utilized in that service. Our private client
service offers financial planning and investment management to individual investors. We also offer services to endowments and other organizations.
We require a minimum asset balance of $250,000 for our private client financial planning and investment management service.
Methods of Analysis, Investment Strategies and Risk of Loss
The fixed income portfolio for The Standard is designed to meet asset liability management requirements of the various insurance product lines
offered. Investments for this portfolio include U.S. government, municipal and corporate bonds, commercial paper and other short-term investments
and options on the S&P 500 index to hedge specific exposure created by The Standard’s equity index annuity product.
Retirement plan clients invest primarily in mutual funds, collective trusts and group variable insurance contracts. Investments are selected and
retained based on their long-run adherence to specific performance and portfolio criteria. Portfolios are constructed based on mean return and
variance analysis.
For private clients, we primarily invest in mutual funds, but where appropriate, include stocks and bonds. These investments are used to populate
allocations that are expected to produce returns and risk consistent with the client’s long-run objectives and risk tolerance. Mutual funds are selected
and retained based on their long-run adherence to specific performance and portfolio criteria. Our fixed-income and equity selections are based on
fundamental and quantitative analysis. Some clients participate in a collared portfolio strategy where options on the clients’ investment securities are
purchased and sold in order to create a fully- or partially-funded floor on the portfolios’ performance. In addition, some clients participate in a strategy
where covered call options are written in their portfolios to generate additional income.
All investments present some risk of loss that clients should be prepared to bear. Stocks have greater return potential but are more volatile than other
investment types. Mutual funds may focus on certain sectors that may involve a greater degree of risk than other funds that provide broader
diversification. In addition to the normal risks associated with equity investing, investments in smaller and mid-cap companies and narrowly focused
investments typically exhibit higher volatility and are less readily marketable than investments in larger companies or more diversified strategies.
Similarly, international investing involves certain risks, such as currency fluctuations, economic instability, and political developments. These risks
may be accentuated in emerging markets. Real estate investment trusts are subject to special risks, such as tax law changes, and general economic
conditions that may affect the value of the underlying real estate assets. Bonds are subject to certain risks including interest-rate risk, credit risk and
inflation risk. As interest rates rise, the prices of bonds fall. Derivatives are subject to a number of risks, such as liquidity, interest rate, market, credit
and management risk.
We rely on a variety of sources of information including but not limited to electronic and print data services, financial publications, credit rating
agencies, company regulatory financial filings and press releases. Our mutual fund selections are based on quantitative and qualitative analysis of
data provided by various data services and the fund families and investment management firms.
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Disciplinary Information
We have no disciplinary actions to disclose.
Other Financial Industry Activities and Affiliations
StanCorp Investment Advisers, Inc., is one of six subsidiaries that are part of StanCorp Financial Group, Inc. (StanCorp). StanCorp is also the
holding company for Standard Insurance Company; Standard Life Insurance Company of New York; Standard Retirement Services, Inc.; StanCorp
Mortgage Investors, LLC, a commercial loan underwriter; StanCorp Real Estate, LLC, a real estate investment and property management company
and StanCorp Equities, Inc., a limited broker-dealer. All of these entities are marketed under the name, The Standard.
The senior management team members of StanCorp Investment Advisers, Inc., are also officers of one or more of the sister subsidiaries and may be
engaged in the business of those subsidiaries in addition to the responsibilities they have to StanCorp Investment Advisers, Inc. Julie Grandstaff,
CFA, vice president of StanCorp Investment Advisers, Inc., is also the president of StanCorp Equities. StanCorp Equities, Inc., facilitates services to
retirement plan clients of Standard Retirement Services, Inc., and Standard Insurance Company. Neither StanCorp Equities, Inc., nor Standard
Insurance Company provides advice or service to the private clients of StanCorp Investment Advisers, Inc.
Clients of StanCorp Investment Advisers, Inc., may also be clients of Standard Insurance Company, Standard Retirement Services, Inc., StanCorp
Mortgage Investors or StanCorp Equities, Inc.
StanCorp Investment Advisers, Inc. recommends the use of a stable value product issued by Standard Insurance Company to retirement plan clients
of Standard Insurance Company and Standard Retirement Services, Inc. StanCorp Investment Advisers, Inc., receives only the fixed retainer fee from
these companies, and does not receive additional compensation when recommending this investment option.
Code of Ethics
StanCorp Investment Advisers, Inc., maintains a code of ethics that governs the actions of personnel in their dealings with clients. The code covers
personal trading, gifts and gratuities and the protection of client information. Any client or prospective client may request a copy of our code of ethics
at any time.
StanCorp Investment Advisers, Inc., recommends the use of a stable value product issued by Standard Insurance Company to retirement plan clients
of Standard Insurance Company and Standard Retirement Services, Inc. In order to overcome the potential conflict of interest this presents, this
investment option is evaluated in the same manner as other, non-affiliated, options in this category. In addition, StanCorp Investment Advisers, Inc.,
receives only the fixed retainer fee from these companies and does not receive additional compensation when recommending this investment option.
From time to time, StanCorp Investment Advisers, Inc., staff members may purchase the same securities that are recommended to clients. This
could present a potential conflict of interest by encouraging staff members to act on their own behalf before the clients. In order to overcome this
conflict, employee transactions are executed in the same block trades as client transactions, with employees receiving pro-rata allocations in the same
manner as clients. In addition, employee transactions are monitored to detect inappropriate trading activity.
Brokerage Practices
StanCorp Investment Advisers, Inc., where applicable, has the discretion to determine the broker and/or institution with which trades are executed,
the specific securities that are purchased and the size of transactions without prior client consent, within client established guidelines. Transactions
for the Standard Insurance Company portfolio are executed on a competitive basis when possible. If there is not more than one bid or offer, the
transactions will be evaluated relative to a matrix of issuers with similar quality and maturity. Transaction size and issuer concentration are governed
by the Standard Insurance Company investment policy, which may be changed at any time. Transactions for private clients are executed through a
custodian platform. The basis for recommendation of the custodian includes availability of low-cost, high-quality mutual funds on the platform,
transaction costs, and the accuracy and quality of trade execution and overall service to the client. StanCorp Investment Advisers, Inc., does not
execute trades for soft dollar benefits.
We participate in the Schwab Advisor Network to a limited extent. The service is designed to help investors find an independent investment advisor.
Schwab is a broker-dealer independent of and unaffiliated with StanCorp Investment Advisers, Inc. Schwab does not supervise StanCorp Investment
Advisers, Inc., and has no responsibility for StanCorp Investment Advisers, Inc., management of clients’ portfolios or StanCorp Investment Advisers,
Inc., other advice or services. StanCorp Investment Advisers, Inc., pays Schwab fees to receive client referrals through the service. StanCorp
Investment Advisers, Inc.’s, participation in the service may raise potential conflicts of interest. We may have an incentive to place client accounts
with Schwab over another custodian.
In addition to Schwab, our private client assets may be custodied with T.D. Ameritrade, Fidelity or TIAA-Cref. However, Schwab is our preferred
custodian. Due the size of the assets we have with Schwab, we have the ability to negotiate favorable transaction charges on behalf of our clients with
them.
Where individual clients are in specified model portfolios, transactions may be aggregated across relevant clients. This allows us to execute trades at
a single price and may reduce transactions costs.
Review of Accounts
Investment portfolios are reviewed regularly. Fixed-income holdings are monitored for changes in credit quality, business focus and merger activity
using alert mechanisms from our various information sources. Mutual funds are monitored for changes in ownership, management or investment
strategy.
Mutual fund performance, selections and terminations are reviewed at least quarterly, and occasionally more often, by StanCorp Investment Advisers
Inc.’s, investment committee for both retirement plan and private clients. Investment management clients receive reports quarterly or more often,
detailing holdings, market value and activity. All clients receive a quarterly performance review comparing investment returns to appropriate
benchmarks. In addition, private client portfolios are reviewed regularly to determine whether rebalancing is required. Financial plans are also
reviewed on a regular basis and updated as needed.
Client Referrals and Other Compensation
StanCorp Investment Advisers, Inc., may, from time to time, enter into agreements with our employees or unrelated individuals for the purpose of
obtaining client referrals. These individuals may be compensated for referring new business to us.
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Custody
StanCorp Investment Advisers, Inc., is deemed to have custody of client assets, because in some cases, we deduct our management fee directly
from client accounts. However, we do not physically hold client assets. Our clients’ custodians and brokers all provide monthly statements either
electronically or in print. StanCorp Investment Advisers, Inc., also provides a quarterly report. Clients are encouraged to compare balances between
the custodian statements and the StanCorp Investment Advisers, Inc., quarterly reports, taking into account possible timing differences.
Investment Discretion
StanCorp Investment Advisers, Inc., takes investment discretion for most private clients and for participants in the Mainspring Managed service
through a limited power of attorney in the case of private clients and via a participant agreement in the case of Mainspring Managed participants. For
private clients, our investments are governed by the investment policy statement that the client develops with us when they engage our services.
Clients have the opportunity to place restrictions on our authority. The Mainspring Managed service moves participant portfolios to more or less
aggressive strategies based on the changes in the participants’ situations, such as declining time to retirement, changes in assets relative to the
retirement requirements, or other changes reported or requested by the participant. We do not have discretionary authority over retirement plan clients
of Standard Retirement Services, Inc., beyond that for the Mainspring Managed service.
Voting Client Securities
StanCorp Investment Advisers, Inc., may vote client securities for individual clients. In addition, we vote the securities on the Standard Insurance
Company group variable contract. We do not vote securities on the Standard Retirement Services, Inc., NAV platform. In general, we vote with the
boards of directors, unless the item would significantly change the nature of the investment the clients hold. Clients may obtain a record of our votes
as well as our proxy voting policies upon request.
Financial Information
StanCorp Investment Advisers, Inc., does not have any financial impairment that will preclude the firm from meeting contractual commitments to
clients. A balance sheet is not required to be provided because StanCorp Investment Advisers, Inc. does not require prepayment of fees of more than
$1,200 per client, six months or more in advance.
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TN_Invest_Advisor_Bios.pdf
Retirement Plans
Advisory Service Center
1100 SW Sixth Avenue
Portland, OR 97204
Phone: 800.858.5420
The Advisory Service Center is comprised of the supervised individuals
listed in the column to the right. This insert provides information about these
supervised individuals and supplements StanCorp Investment Advisers’ (SIA)
brochure. You should have received a copy of that brochure. Please contact
the Advisory Service Center at 800.858.5420 if you did not receive SIA’s
brochure or if you have any questions about the contents of this supplement.
Supervised Individuals
Matt Kehl
Jonas Merrill
Jason Rogers
Bill Shank
Matt Kehl
Educational Background And Business Experience
• Year of birth: 1983
• Formal Education: Bachelor’s degree in business finance from Western Oregon
University
• Employers and positions held: Joined The Standard in this role in March 2009; he
was previously employed as a stockbroker at Phillips & Company
• Disciplinary information: None
Other Business Activities
• Other investment-related businesses: None
• Broker/dealer affiliations: Registered representative, StanCorp Equities, Inc.
• Other business activities: None
• Additional compensation: None
Supervision
Matt is supervised by Cary Weischadle, Supervisor, Advisory Service Center. Cary
reviews Matt’s advisory work through office interactions and observation. Cary can be
reached at 971.321.8007.
Jonas Merrill
Educational Background And Business Experience
• Year of birth: 1981
• Formal Education: Bachelor’s degree in economics from Towson University and a
graduate certificate in business management from Johns Hopkins University
• Employers and positions held: Joined The Standard in this role in May 2009; he was
previously employed as a participant services representative at T. Rowe Price
• Disciplinary information: None
Other Business Activities
• Other investment-related businesses: None
• Broker/dealer affiliations: Registered representative, StanCorp Equities, Inc.
• Other business activities: None
• Additional compensation: None
Supervision
Jonas is supervised by Cary Weischadle, Supervisor, Advisory Service Center. Cary
reviews Jonas’ advisory work through office interactions and observation. Cary can be
reached at 971.321.8007.
StanCorp Investment Advisers, Inc.
1100 SW Sixth Avenue
Portland OR 97204
800.378.5742
www.standard.com
Continued
15
Jason Rogers
Educational Background And Business Experience
• Year of birth: 1974
• Formal Education: Bachelor’s degree in business administration from DeVry Institute of
Technology
• Employers and positions held: Joined The Standard in this role in May 2009; he was
previously employed as an account executive at Fisher Investments and as a financial
advisor at USAA
• Disciplinary information: None
Other Business Activities
• Other investment-related businesses: None
• Broker/dealer affiliations: Registered representative, StanCorp Equities, Inc.
• Other business activities: None
• Additional compensation: None
Supervision
Jason is supervised by Cary Weischadle, Supervisor, Advisory Service Center. Cary
reviews Jason’s advisory work through office interactions and observation. Cary can be
reached at 971.321.8007.
Bill Shank
Educational Background And Business Experience
• Year of birth: 1981
• Formal Education: Bachelor’s degree in global leadership from Arizona State University
• Employers and positions held: Joined The Standard in this role in January 2011; he
was previously employed as a financial advisor at USAA
• Disciplinary information: None
Other Business Activities
• Other investment-related businesses: None
• Broker/dealer affiliations: Registered representative, StanCorp Equities, Inc.
• Other business activities: None
• Additional compensation: None
TN_Invest_Advisor_Bios.pdf
10.17.2011
Supervision
Bill is supervised by Cary Weischadle, Supervisor, Advisory Service Center. Cary reviews
Bill’s advisory work through office interactions and observation. Cary can be reached at
971.321.8007.
16
Savings Form
Messiah College Defined Contribution
Retirement Plan
#807945
Sign up now! Simply complete the information below to begin saving in your retirement plan. Return the completed
form to: Susan Deitch.
YOUR INFORMATION
Social Security Number
Last Name
First Name
Mailing Address
City
State
Zip
Date of Birth (mm/dd/yy)
Date of Hire (mm/dd/yy)
E-mail Address
Phone
HOW MUCH DO YOU WANT TO SAVE?
Pre-Tax Savings (Check One)
The smallest amount you can contribute is 1% of your compensation. The most you can save during 2013 is $17,500 ($23,000
if you are age 50 or older). Other plan or legal limits may also apply.
I elect to contribute as pre-tax contributions:
_______ %
No pre-tax amounts at this time. I elect to opt out of pre-tax contributions and understand I can enroll at a later time.
Roth Savings (Check One)
Enter the after-tax amount you wish to contribute to your Roth retirement savings account. The smallest amount you can
contribute is 0% of your compensation. The most you can save during 2013 (including any pre-tax contributions) is $17,500
($23,000 if you are age 50 or older). Other plan or legal limits may also apply.
_______ %
I elect not to make Roth contributions at this time. I understand I can change my election at a later time.
AUTHORIZATION
I authorize my employer and the plan administrator to deduct from my earnings the amounts determined by the percentage(s)
designated above and to forward such amounts to the Plan. I also direct my employer and the plan administrator to implement
any other instructions I have provided on this form. I have read the Disclosure Statement that follows and, by signing here, I
agree to be bound by its terms. The employer, trustees and any others concerned with the administration of the Plan are
entitled to rely on these instructions; each shall be fully protected in taking or omitting any action under any provisions of the
Plan in reliance on the information I have provided and selection I have made.
Participant Signature
_____________________________________________
Date __________________________
17
807945
(3/08)
NEXT STEPS
When you submit this completed form, your employer will implement your contribution request at the first
opportunity allowed under the Plan, assuming that you are eligible to participate.
When the completed form is received by The Standard, it will be processed within two business days. This form will
override any changes previously made using INFOLINE or Personal Savings Center.
To make changes to your contribution amount after you have enrolled, please complete a new Savings Form,
available from Susan Deitch or on our Web site at www.standard.com/retirement. Please return the completed
form to your employer. To speak to a customer service representative you may call INFOLINE at 800.858.5420.
To select how you want your money to be invested, please use the Investing Form.
DISCLOSURE STATEMENT
You must notify The Standard within 15 days of receipt of your quarterly account statement if an error occurred, or
if you requested and confirmed an investment transfer or directive change that was not completed during the
period covered by the statement. You may give notice by contacting a customer service representative at
800.858.5420 or by e-mailing [email protected]. Unless you give such notice, The Standard will not be
liable for any resulting loss to your account. In any case, The Standard will not be liable if circumstances beyond its
control prevent the transaction, or if its liability is otherwise limited by regulation or agreement.
The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA,
distributes group annuity contracts issued by Standard Insurance Company and may provide other brokerage services. Third-party
administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment
Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc.,
and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations.
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Investing Form
Messiah College Defined Contribution
Retirement Plan
#807945
YOUR INFORMATION
Social Security Number
Last Name
First Name
Mailing Address
City
State
Zip
Date of Birth (mm/dd/yy)
Date of Hire (mm/dd/yy)
E-mail Address
Phone
WHERE DO YOU WANT TO INVEST YOUR SAVINGS?
The Standard can help you manage your investments when you select a Guided Portfolio. You may also create your own portfolio by completing the
Independent section below. If you do not indicate where to invest your savings, your assets will be placed in the plan’s default fund(s). The decisions
you make regarding your investments will stay in effect until you modify them via The Standard’s Web site (www.standard.com/retirement) or via
INFOLINE (800.858.5420).
Complete only one subsection, not both.
Guided Portfolios Choose ONE of the Guided Portfolios below by checking the appropriate box.
The allocation for each of these portfolios can be found on the reverse side of this form.
Conservative
Moderately Conservative
Moderately Aggressive
Aggressive
Moderate
Independent Select your own investments by entering whole percentages below. Be sure that your selections total 100% and
that the minimum in any one investment is 1%.
1Signifies a scheduled fund termination that will occur in the next 120 days. 2Redemption fee may apply to short-term investments.
____% Prudential Guaranteed Inc 38
____% American Century InflAdjBdIn
____% Metropolitan West TotRe Bd I
____% Vanguard Wellington Inv
____% Invesco Growth and Income Y
____% JPMorgan US Equity Sel
____% TIAA-CREF Instl So Ch Eq Ret
____% Fidelity Spartan 500 Idx Inv
____% MainStay Large Cap Growth I
____% RidgeWorth Md-Cp Val Eq I
____% Aston Fairpointe Mid Cap I
____% Vanguard Mid Cap Index Sig
____% Prudential Jennison MidCap Z
____% Franklin Small Cap Value A
____% Vanguard Small Cap Index Sig
____% Prudential Jennison Sm Co Z
____% American Funds New Prspct R5
____% Dodge & Cox Intl Stk
____% American Funds EuroPacifc R5
____% Oppenheimer Devel Markets Y
100% Total
AUTOMATIC REBALANCER
Check a box below to select the Automatic Rebalancer service for your Plan account. If you select this service, your account
assets will be rebalanced to match your investment directives at the time of rebalancing. Automatic Rebalancer will remain off
if you do not make a selection below.
How often would you like your account rebalanced?
Quarterly
Semiannually
Annually
AUTHORIZATION
I authorize my employer and the plan administrator to invest my savings as outlined on this form. I also direct my employer
and the plan administrator to implement any other instructions I have provided on this form. I have read the Disclosure
Statement on this form and, by signing here, I agree to be bound by its terms. The employer, trustees and any others
concerned with the administration of the Plan are entitled to rely on these instructions; each shall be fully protected in taking or
omitting any action under any provisions of the Plan in reliance on this information.
Participant Signature
_____________________________________________
Date __________________________
19
807945
(3/08)
GUIDED PORTFOLIO DESCRIPTION
Conservative
Moderately
Conservative
Moderate
Moderately
Aggressive
Aggressive
Cash Equivalent
30%
20%
10%
0%
0%
Prudential Guaranteed Inc 38
30%
20%
10%
0%
0%
Bonds
50%
40%
30%
20%
0%
Metropolitan West TotRe Bd I
50%
40%
30%
20%
0%
Large Cap Stocks
13%
26%
39%
52%
65%
Fidelity Spartan 500 Idx Inv
7%
13%
19%
26%
33%
MainStay Large Cap Growth I
3%
7%
10%
13%
16%
Invesco Growth and Income Y
3%
6%
10%
13%
16%
Small/Mid Cap Stocks
4%
8%
12%
16%
20%
Prudential Jennison MidCap Z
1%
2%
3%
4%
5%
RidgeWorth Md-Cp Val Eq I
1%
2%
3%
4%
5%
Vanguard Small Cap Index Sig
2%
4%
6%
8%
10%
International Stocks
3%
6%
9%
12%
15%
Dodge & Cox Intl Stk
3%
6%
9%
12%
15%
NEXT STEPS
Your employer will forward the completed form to The Standard. Upon receipt, The Standard will process it within two business
days. This form will override any changes previously made using INFOLINE or Personal Savings Center.
For information about redemption fees that may apply to certain funds signified by “2” on the reverse side, please contact The
Standard at 800.858.5420.
To make changes to your account after you have signed up, please use our Web site at www.standard.com/retirement or call
INFOLINE at 800.858.5420.
To select the amount you wish to save, please use the Savings Form.
DISCLOSURE STATEMENT
You must notify The Standard within 15 days of receipt of your quarterly account statement if an error occurred, or
if you requested and confirmed an investment transfer or directive change that was not completed during the
period covered by the statement. You may give notice by contacting a customer service representative at
800.858.5420 or by e-mailing [email protected]. Unless you give such notice, The Standard will not be
liable for any resulting loss to your account. In any case, The Standard will not be liable if circumstances beyond its
control prevent the transaction, or if its liability is otherwise limited by regulation or agreement.
The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, distributes
group annuity contracts issued by Standard Insurance Company and may provide other brokerage services. Third-party administrative services
are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a
registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc., and StanCorp
Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations.
20
807945
(3/08)
Beneficiary Designation for Death Benefits Form
Messiah College Defined Contribution
Retirement Plan
#807945
See reverse for instructions and explanation.
PARTICIPANT Complete this section (and Spouse section, if necessary), and submit to your employer
Name of Participant
Social Security Number
Date of Birth
I have read the explanation on the back of this form. I understand that if I am married and die before I retire, my Plan Benefits will be paid
to my spouse. However, I have the right to waive payment to my spouse as sole beneficiary, provided my spouse consents to the waiver. I
can revoke this waiver at any time. This designation replaces any previous designation.
I designate as my primary beneficiary for benefits from this plan:
_________________________________________________ _________________________________________________
Name of Primary Beneficiary (please print)
Name of Primary Beneficiary (please print)
_________________________________________________ _________________________________________________
Relationship
Date of Birth
Relationship
Date of Birth
_________________________________________________ _________________________________________________
Current Address
Current Address
I designate as my contingent beneficiary for benefits from this plan:
_________________________________________________ _________________________________________________
Name of Contingent Beneficiary (please print)
Name of Contingent Beneficiary (please print)
_________________________________________________ _________________________________________________
Relationship
Date of Birth
Relationship
Date of Birth
_________________________________________________ _________________________________________________
Current Address
I am
married
Current Address
unmarried
If I am married and have designated someone other than my spouse as my beneficiary, this designation will be effective only if my spouse
consents to it by signing in the spouse section below.
X _______________________________________________
Participant Signature
_________________________________________________
Date
Please keep a copy of this form for your records
SPOUSE Complete this section if the participant designated a non-spouse beneficiary above. Your signature must be witnessed
by a Plan Representative or Notary Public.
I have read the explanation on the back of this form. I understand that my consent is irrevocable unless my spouse revokes that election.
I consent to the beneficiary designation made by the participant. I understand that if the participant dies prior to retirement, any benefits
under the Plan will be paid to the designated beneficiary.
_________________________________________________ X _________________________________________________
Name of Spouse (please print)
Signature of Plan Administrator or Notary Public
Date
X_________________________________________________ _________________________________________________
Spouse Signature
Date
Title
PLAN REPRESENTATIVE Complete this section if there is no Spouse signature
I, __________________________________________, state that it has been established to my satisfaction that spousal
consent to this election cannot be obtained because there is no spouse, the spouse cannot be located, or other circumstances
make obtaining such spousal consent impossible.
X__________________________________________
Plan Representative Signature
________________________________ _________________
Title
Date
21
807945
(3/07)
INSTRUCTIONS
- Participant must complete the “Participant” Section, and if necessary, have his or her spouse complete the “Spouse” Section.
- The participant should then return the form to the employer who will complete the “Plan Representative” Section, if applicable,
and keep the completed form on file for future reference.
EXPLANATION OF DEATH BENEFIT
MARRIED PARTICIPANTS
If you die before you retire, your retirement plan provides that any plan benefits to which you are entitled will be paid to your
surviving spouse. Your surviving spouse is the spouse to whom you were married throughout the one-year period ending on
your date of death.
However, if your spouse consents in writing, you may designate a beneficiary other than your spouse to receive the benefits.
Your spouse’s consent must be witnessed by the Plan Administrator or the Plan Administrator’s representative or by a Notary
Public.
You may not change your beneficiary designation without your spouse’s written consent.
You may revoke your election at any time. To make a new election, you must again obtain your spouse’s written consent.
UNMARRIED PARTICIPANTS
You may designate a beneficiary to receive any benefits to which you are entitled if you die before you retire.
If you marry after completing this form, your beneficiary designation election may no longer be valid and your spouse may be
entitled to the benefits described above for married participants.
IF YOUR MARITAL STATUS CHANGES OR IF YOU HAVE ANY QUESTIONS ABOUT THIS EXPLANATION, PLEASE
CONTACT THE PLAN ADMINISTRATOR.
22
Application for Rollover Form
Messiah College Defined Contribution
Retirement Plan
#807945
See reverse for instructions on completing this form
PARTICIPANT INFORMATION
Participant Name (please print)
Social Security Number
Phone Number
ROLLOVER CONTRIBUTION INFORMATION
See your Summary Plan Description or Plan Administrator for your plan’s rollover provisions. I request the Plan Administrator to
accept my rollover, based on the following information. The Plan Administrator reserves the right to require additional evidence
that my distribution is from a qualified retirement plan, a tax sheltered annuity, a governmental 457 plan, or an IRA, as allowed
by the Plan.
Name of distributing plan or IRA custodian:__________________________________________________________________
The requested rollover represents:
a.
b.
c.
An eligible rollover distribution from: a qualified retirement plan
a tax-sheltered annuity
a governmental 457 plan
a distribution from a traditional IRA that would otherwise be includable in my gross income.
a distribution from a Conduit IRA which consisted solely of an eligible rollover distribution from a qualified plan and any
associated earnings, for which I wish to preserve capital gains and averaging treatment.
The distribution:
will be paid directly from the distributing plan to The Standard on behalf of this Plan.
is from another qualified plan; it includes after-tax contributions of $__________, which must be accounted for separately.
was paid to me on ______________________. (The Standard must receive distribution within 60 days.)
PARTICIPANT’S SIGNATURE
I verify that the information provided above is true and complete. I understand that the Plan Administrator may choose not to
accept this rollover if it would jeopardize the Plan’s tax status. I also understand that if this rollover is accepted, it will be
directed to investments based on my contribution directives in place at the time the rollover is received by The Standard. If I do
not have directives in place, the rollover will be deposited into the Plan’s Default Fund.
Participant’s Signature
Date
PAYEE AND MAILING INSTRUCTIONS
The distribution check should be
payable to Reliance Trust Company
and mailed to:
Reliance Trust Company
FBO: (Participant’s Name)
Attn: The Standard Team
1100 Abernathy Road
Building 500, Suite 400
Atlanta GA 30328
Attention: Plan No.:
807945
Plan Name: Messiah College Defined Contribution Retirement
Plan
PLAN ADMINISTRATOR’S ACCEPTANCE
As an authorized representative of the Messiah College Defined Contribution Retirement Plan, I certify the Plan Administrator
has investigated the rollover requested above and is satisfied that it will not jeopardize this Plan’s qualified status under the
Internal Revenue Code. Therefore, the rollover is accepted, and The Standard is authorized to invest these funds as directed
and to establish the appropriate additional accounts for the participant.
Name and Title (please print)
Signature
Date
23
807945
(3/07)
Rollover Instructions
Follow these instructions to initiate a rollover from a qualified retirement plan or conduit IRA. See reverse for Rollover Application.
PARTICIPANT: COMPLETE APPLICATION FOR ROLLOVER
STEP 1
1. Complete the following sections of The Standard’s Application for Rollover:
2. • Participant Information • Rollover Contribution Information • Participant’s Signature
3. Provide the completed Application for Rollover to the Plan Administrator of your current employer’s plan for approval
and submission to The Standard Insurance.
Note: A rollover check received by Standard Retirement Services will be returned to the issuing company if a
completed Application for Rollover is not also received within 10 business days.
QUESTIONS? Call the Participant Communication Team at 800.858.5420.
•
The source of rollover funds may be a qualified retirement plan, a tax-sheltered annuity, a governmental 457 plan, or an
IRA as allowed by your Plan. The Plan Administrator reserves the right to require satisfactory evidence that your
distribution is from a source allowed by the Plan.
•
If the distribution check was made payable to you, the rollover funds must be received by The Standard within 60 days of
the date you received the distribution.
•
If you wish to rollover taxes withheld from your eligible rollover distribution, your check for the amount of the taxes must be
received within 60 days of the date you received the distribution.
•
After-tax money may be eligible for rollover, but only from a qualified plan. After-tax money must be received as a direct
rollover to The Standard from your prior plan. Certain types of distributions are not eligible for rollover, including required
minimum distributions (on or after age 70 1/2), non-taxable payments (after-tax contributions) from IRAs, periodic
payments for your life or for a period of 10 years or more, and hardship withdrawals.
PLAN ADMINISTRATOR: REVIEW AND APPROVE
STEP 2
1. Review your Plan Document to ensure the requested rollover can be accepted. More detailed instructions may be found
in Section 5 of the Administration Guide available on our PlanNet® Web site.
2. If the rollover request is acceptable, complete the following sections of the Application for Rollover Form:
• Payee and Mailing Instructions (Include Plan Number and Plan Name.)
• Plan Administrator’s Acceptance
3. To avoid processing delays, promptly fax the form to The Standard at 971.321.7998.
4. Provide a copy of the completed form to the Participant.
5. Please endorse as “Payable to The Standard” any rollover check not payable to The Standard.
PARTICIPANT: REQUEST ROLLOVER TO THE STANDARD
STEP 3
1. Request a rollover from your previous employer’s plan or conduit IRA.
If you do not request a direct rollover from your previous employer’s plan, federal income tax will be withheld at the rate
of 20% of your taxable distribution. Additional state withholding may also occur. You can roll over up to 100% of the
eligible rollover distribution, including the amount that was withheld. If you choose to roll over the amount withheld for
taxes, you must deposit the money within the 60-day period.
2. The Distribution check should be payable to Reliance Trust Company and mailed to:
Reliance Trust Company
FBO : (Participant’s Name)
Attn The Standard Team
1100 Abernathy Road
Building 500, Suite 400
Atlanta GA 30328
Attention:
Plan No.: 807945
Plan Name: Messiah College Defined Contribution Retirement Plan
PLEASE NOTE:
24
807945
A rollover check that is received at The Standard will be returned to the issuing company if a
Completed Application for Rollover is not received within 10 business days. This completed
form must be faxed to the following number: 971.321.7998.
(3/07)
403b transfer form_Reliance.pdf 7.14.2011
Standard Retirement Services, Inc.
1100 SW Sixth Avenue Portland OR 97204-1020
971.321.7998 Fax
Application for 403(b) Transfer
To transfer assets from another Internal Revenue Code section 403(b) account to an account with The Standard, first contact your current provider to
initiate the transfer. Then complete this form to notify The Standard that you are transferring assets. Fax this completed form to 971.321.7998.
May we contact your prior provider to assist with the transfer process?
† Yes † No
PARTICIPANT INFORMATION
Participant Name
Social Security No.
Mailing Address
City
Date of Birth
State
Zip
Phone No.
CURRENT PROVIDER INFORMATION
Current 403(b) Provider Name
Contract or Account No.
Current 403(b) Provider Address
AMOUNT AND SOURCE OF FUNDS
Estimated employee pre-tax deferral source transfer amount:
Estimated employer contribution source transfer amount:
Estimated Roth after-tax employee deferral source amount:
TOTAL estimated transfer amount:
SPECIAL INSTRUCTIONS TO CURRENT PROVIDER Please liquidate the annuity contract or custodial account identi¿ed above and
transfer the assets to:
Reliance Trust Company
Attn: The Standard Team
1100 Abernathy Road
Building 500, Suite 400
Atlanta GA 30328
Account Number:
For Benefit Of (my name):
Contract Number:
I understand that this transfer is intended to qualify as a contract exchange or transfer under applicable regulations, and will not constitute
actual or constructive receipt for federal income tax purposes. I understand these assets will be treated as pre-tax or Roth contributions
and earnings as identi¿ed above and will be invested according to my investment directives currently on ¿le with The Standard or, if I do
not have investment directives on ¿le, in a default fund identi¿ed by a plan ¿duciary. I acknowledge the information provided above is true
and complete.
Participant Signature
Date
The Plan Sponsor has adopted or will adopt a written 403(b) Plan (“Plan”), which will include The Standard as an approved Provider
to receive exchanges/transfers. It is the Sponsor’s intent that the written plan will meet the requirements of section 403(b) of the
Internal Revenue Code (“Code”) and the regulations thereunder. The Standard will make available investment options meeting the
requirements of section 403(b) of the Code to Plan participants.
The Standard will accept the transferred funds for the benefit of this Plan participant and apply the restrictions of Code section 403(b)
as applicable.
___________________________________________________________
Print Name of Sponsor
The Standard
Authorized Signature: _______________________________________
Signature: __________________________________________
Print Name: ________________________________________________
Print Name: _________________________________________
Title: ______________________________________________________
Title: _______________________________________________
Email Address: _____________________________________________
SRS 14368-Reliance
25
(3/09)
26
403b Transfer Insert - Reliance.pdf 10.17.2011
403(b) Transfers
What Is A Transfer?
A transfer is moving your 403(b) accounts from a prior provider to The Standard.
Why Choose The Standard?
The Standard has more than 75 years of experience providing security
and peace of mind. Transferring your 403(b) to The Standard gives you:
!å3MARTå-OVEå&ORå
9OURå2ETIREMENTå-ONEY
Saving for retirement – these three words
can put a lot of people to sleep, but the
decisions involved are among the most
important you’ll ever make.
At times throughout your career, you
might have to decide whether to move
your retirement plan account. You might
be dissatisfied with your current
investment options, or you could just
want to consolidate your retirement
accounts with a single provider for the
sake of simplicity. A 403(b) transfer is
one option available to you.
š
Easy access to your account by phone and online.
š
Skilled customer service representatives who can provide personal
assistance.
š
A diversified portfolio of quality investment options.
š
A single, easy-to-read statement where you can easily review your
retirement investments. This allows you to track progress toward your
goals and simplifies your recordkeeping.
Why Choose The Standard?
When transferring 403(b) money to The Standard from another retirement
plan provider, be sure to ask your old provider the following questions and
record their answers below:
Q: What paperwork is required to transfer my account balance to The Standard?
A:
Q: Will you accept The Standard’s 403(b) transfer form, which names
The Standard as an approved provider under the plan?
A:
Q: Once you receive the necessary paperwork for the transfer, when will
my account balance move to The Standard?
A:
Q: How will I be notified when this transfer is complete?
A:
Q: What charges will apply to my transfer?
A:
Note: The Standard’s 403(b) transfer form must be completed before the transferred money can be credited to
your new account.
Standard Retirement Services, Inc.
27
403(b) Transfers
Checklist
Action Items
† Contact your prior provider. Ask the questions above and complete and
send the necessary forms. Usually, they will have a process you must
follow. They also may impose a charge for transferring your account.
† Obtain a copy of your most current statement from your prior provider
and verify the balance.
† Review and choose your investment options from the funds offered
by The Standard. Our Investor Profile quiz can help you create a
personalized investment plan. (You may wish to select your investment
options before transferring your money; otherwise, your funds will be
transferred to the plan’s default fund.)
† Ensure that the transfer check is mailed to The Standard as follows:
Reliance Trust Company FBO [Your Name; Plan Name]
Attn: The Standard Team
1100 Abernathy Rd.
Building 500, Suite 400
Atlanta, GA 30328
Note: Reliance Trust Company serves as custodian for transferred 403(b) accounts.
† Send a copy of The Standard’s 403(b) transfer form to your previous
403(b) provider along with copies of any other forms your prior provider
may require.
403b Transfer Insert - Reliance.pdf 10.17.2011
† Keep this and copies of all paperwork for your records.
28 Enroll now! www.standard.com/retirement, 800.858.5420
Special Notice and Plan Overview
Messiah College Defined Contribution
Retirement Plan
This Special Notice and Overview is provided as a quick reference to certain key provisions of the
retirement plan. Since the plan is based on a complex legal document, the Overview does not attempt
to describe every aspect of the plan or to detail all of its terms. For a more complete description of plan
provisions, refer to the Summary Plan Description. If there is a conflict between this Overview and the
plan, the plan’s provisions will prevail.
This Special Notice and Overview contains important plan information that must be made
available to eligible participants.
Entering the Plan
All employees are eligible to participate in the plan on the first entry date.
Certain groups of employees are excluded from participating in the plan, including:
√ Matching only - Employees who normally work less than 20 hours per week
√ Student employees
Entry date is immediate after service requirements, if any, are met.
Participant Contributions
Participants may contribute to the plan on a pre-tax basis. These contributions, known as “elective deferrals,” must fall
within the following range:
Minimum
0 percent of compensation
Maximum $17,500 in 2013 (additional $5,500 if age 50 or older, plus if you have 15 years of service with a Qualified
Organization, and this plan sponsor is a Qualified Organization, you may be eligible to contribute up to an
additional $3,000) or maximum allowed by law, whichever is less
Other factors may further limit contributions.
Traditional 403(b) contributions are made on a pre-tax basis, thus reducing your current taxable income. Your contributions
and earnings grow on a tax-deferred basis and will be taxable upon distribution.
29
807945 - W
As of July 21, 2013
Roth Contributions
Roth contributions allow you to contribute to your retirement account on an after-tax basis. Earnings on Roth contributions
will be tax free upon withdrawal if certain conditions are satisfied. To be tax free, the withdrawal cannot occur for at least
five years after the first Roth contribution is made to your account and you must be at least age 59½ or disabled. If you die,
your beneficiary can take a tax-free withdrawal after the account has been in place for five years. The five-year period is
measured from the first day of the tax year in which the first Roth contribution is made.
You must declare how your contributions are to be invested - traditional or Roth - before they are made. After money is in a
Roth account, it cannot be transferred into a traditional pre-tax 403(b) account. You may stop contributing to the Roth
account and start contributing to the traditional 403(b), but the Roth and pre-tax accounts will remain separate.
Regardless of whether you choose a traditional 403(b) deferral or a Roth 403(b) contribution, you may change your
contribution percentage or re-enter the plan on the first day of any future payroll period. Contact your payroll department for
details. If necessary, you may stop your contributions on the first day of any payroll period with reasonable advance notice.
Your participant contributions to either a traditional 403(b) or a Roth 403(b) are 100 percent vested - which means that you
own them - at all times.
Please consider your options carefully prior to making an enrollment selection.
Qualified Default Investment Alternative Notice
You can direct how your contributions are invested among the available investment options. If you do not direct how your
contributions should be invested, they will be invested in the following Qualified Default Investment Alternative (QDIA):
Investment
Vanguard Wellington Inv
Default Directive Percent
100%
Make sure that your directives cover 100 percent of your contributions. If you direct less than 100 percent of your
contributions, the entire amount will be invested in the investment option(s) described above. However, you can transfer
your assets from the QDIA to other investment options, without penalty.
You may use the Personal Savings Center at www.standard.com/retirement or the Fee Disclosure section of this document
to find out more about your account, including a description of the default investment option, its investment objectives,
risk and return characteristics, and any applicable fees and expenses.
Employer Contributions
To help you reach your retirement goals, we may match your contribution to the plan. Please refer to your Summary Plan
Description for the details of the matching contribution formula.
You will become vested in - which means you will earn ownership of - the matching contribution according to this schedule:
Years of
Service
Vested
Percentage
Less than 2
2 or more
0%
100%
Vesting Service
Employees earn credit toward vesting for all plan years in which they work at least 1,000 hours with our company.
Individuals who were employed on the plan’s effective date will qualify for vesting credit for their prior service with our firm
on the same basis.
30
807945 - W
As of July 21, 2013
Loans
You may qualify to borrow a portion of your vested account balance under the terms of the plan’s Loan Policy. The Loan
Policy spells out specific details and restrictions, including the amounts that you may borrow from the plan, repayment terms,
loan fees and interest rates.
The Loan Policy is available on the Personal Savings Center Web site at www.standard.com/retirement.
We recommend that you consider other sources for your loan needs before borrowing from your retirement account.
Distributions and Withdrawals
A distribution from your account may be available to you or your beneficiary at:
• normal retirement, which is age 59.5
• age 59.5 while still employed
• financial hardship (as defined by the plan)
• termination of employment
• death or disability
Additional requirements for distributions may also exist. Please review your Summary Plan Description for complete details.
Rolling over retirement accounts
Combining assets from several retirement accounts is much easier now than in the past. Plans may now accept rollovers from:
• 401(k) and other qualified retirement plans
• governmental deferred compensation (457) plans
• tax-sheltered annuities (TSAs) and IRAs
Follow the instructions on the “Application for Rollover” form available on Personal Savings Center at
www.standard.com/retirement. Rollover money received by the plan will be invested according to your investment
directives for new contributions.
If you have received a distribution check from a retirement plan, you must complete a rollover within 60 days of receipt. If
the rollover is not completed within this period, the distribution cannot be rolled over and becomes taxable income. It may
also be subject to a 10 percent early withdrawal penalty.
Questions
If you have questions about the plan, please contact Susan Deitch.
To contact a Customer Service Representative at the plan’s service partner, The Standard, e-mail [email protected]
anytime or call 800.858.5420 between 5:00 a.m. and 5:00 p.m. Pacific Time.
If you have received this notice electronically, you can obtain a paper copy or supplemental materials described in this notice
from your plan administrator or the human resources department.
31
807945 - W
As of July 21, 2013
ERISA 404(c) Notice and Information
Participants in The Messiah College Defined Contribution Retirement Plan are
responsible for directing the investment of their own retirement accounts. Your
plan has several investment options in which you can invest some or all of your
account. Using these investment options, you can build a portfolio that delivers
the mix of risk and return that is most appropriate for your circumstances.
By taking an active role as an investor of your retirement account, you also have
the opportunity to make investment choices that could potentially deliver better
returns for your account than would otherwise be possible. At the same time
your decisions may also result in investment losses or returns that are lower
than might have been possible had other choices been made.
The Employee Retirement Income Security Act (ERISA) provides regulations
regarding the investment of retirement plan assets. Section 404(c) of ERISA
states that a plan fiduciary is not responsible for the investment choices made by
plan participants. By meeting all of the requirements under Section 404(c), the
fiduciary may be relieved of fiduciary responsibility for the asset allocation
decisions made by plan participants. Fiduciaries of a Section 404(c) plan are not
liable for losses that result from plan participants’ exercise of control over the
assets in their retirement plan accounts.
The Messiah College Defined Contribution Retirement Plan intends to qualify
as an ERISA Section 404(c) plan. As part of the effort to ensure full compliance
with the requirements of Section 404(c), the plan will:
• Let you choose from at least three different, internally diversified*
investment options that have materially different risk and return characteristics;
• Permit you to transfer your retirement account assets among the investment
options on any business day (although other considerations will affect the
frequency of your trades); and
• Provide you with the opportunity to obtain sufficient information to make
informed investment decisions.
*Diversification does not ensure against loss.
More information about your plan’s fees and investment
options
Frequent Trading Policy
Your retirement plan is intended to help
you accumulate assets for your
retirement. The plan and the services
provided by The Standard have been
designed to help support your long-term
investment needs throughout your
working and retirement years.
The plan is not intended to facilitate
frequent trades among investment
options or provide “day trading”
opportunities. Short-term trading
adversely affects the plan’s operations
and increases the expenses of both the
plan and the investment options.
The Standard’s agreements with our
mutual fund alliance partners require us
to adhere to trading rules established in
the prospectuses. Besides normal
contribution activity, generally one
purchase and one redemption in an
investment option during a 90-day
period is considered reasonable transfer
activity.
Trading activity will be monitored. If
excessive transfer activity is identified,
we may suspend the participant’s ability
to execute transfers through the
Personal Savings Center Web site and
INFOLINE telephone system. Any
transfers will have to be requested using
paper forms and will be executed
according to trading guidelines. This
may lead to delays in the execution of
requested transactions.
Descriptions of the plan’s fees and investment options are included in the
following pages. Each investment option description provides basic
information including investment objectives, fund managers, relative risk, fees
and a snapshot of its holdings.
Additional information is available through the Personal Savings Center, The
Standard’s website for retirement plan participants. The performance page
provides performance information for all of the investment options. Click on
the name of the investment option for more information about that option,
including a link to the mutual fund company’s website where you can view a
prospectus.
32
807945 - W
As of July 21, 2013
Fee Disclosure
Messiah College Defined Contribution Retirement Plan
As of July 21, 2013
About This Information
Retirement plan sponsors are required by the Department of Labor to disclose the fees related to your plan. This
document provides the required information.
Section One contains information covering your participation in the plan and plan-level fees that may be charged to
your account. Section Two contains comparative fee and performance information for each investment option
provided in your plan. If you have any questions about this information, you can either call 800.858.5420 to speak to
a customer representative or talk to your plan administrator.
Section One - Participation and Plan-Level Fees
General Plan Information
Investment Instructions: To direct or make changes to how your account will be invested among the plan’s
designated investment options, you must complete and submit an Investing Form. If your plan offers the
service, you can enroll or make changes to your directives online at www.standard.com/retirement. You
may direct the investment of all funds held in your plan account.
Limitations on Instructions: You may give investment instructions on any day the New York Stock
Exchange is open for business. Certain restrictions on trading may apply depending on the investment
option. Many investment options, such as mutual funds, impose restrictions on frequent trading. The plan is
not intended to facilitate frequent trades among investment options or provide “day trading” opportunities.
Short-term trading adversely affects the plan’s operations and increases the expenses of both the plan and the
investment options. The Standard’s agreements with our mutual fund alliance partners require us to adhere
to trading rules mutually-agreed upon by Standard and the fund company. Section Two below provides more
information on these restrictions.
The Standard’s Frequent Trading Restriction Procedures: In reviewing for frequent trading, Standard
performs a weekly review of participant-directed transactions in order to identify participants who have more
than one round-trip during a 90-day period (a “frequent trader”). If a participant has been identified as a
frequent trader, a warning letter is sent to the participant. If frequent trading activity continues, the
participant’s ability to trade via the participant website and the interactive voice response system will be
suspended for 90 days. During this period, the participant will be required to submit written requests to
trade. Each request will be evaluated, and executed only if it complies with frequent trading rules. After 90
days, the participant’s privileges are reinstated. If the participant has a subsequent violation, their trading
privileges will be suspended indefinitely and they will be required to submit written requests to trade.
Certain mutual fund companies require us to follow different parameters. For specific details please call your
customer representative at 800.858.5420 or your plan administrator.
Voting and Other Rights: The trustee will exercise any voting or other rights associated with ownership of
investments held in your plan account.
Designated Investment Options: The plan provides designated investment options into which you can
direct the investment of your account. The chart shown in Section Two of this notice lists the options and
provides various information about them.
33
807945 - W
As of July 21, 2013
Plan Administrative and Individual Expenses
There are certain fees and expenses associated with your plan, such as recordkeeping, compliance, consulting and
accounting. Unless the plan sponsor, which is typically your employer, elects to pay some or all of those expenses,
they will be paid from the plan assets, which will affect your account balance. The cost for these services fluctuates
each year based on a variety of factors including the total amount of assets in your plan. These fees may be reduced by
amounts paid by mutual fund companies to The Standard. The Standard passes these amounts back to the plan to
reduce or offset fees. The fees shown in the Plan Administrative Fees Table are fees that are not part of the total
annual operating expenses.
Other services may be provided periodically to the plan as necessary for consulting, compliance and custodial
services. To the extent these expenses are not charged against forfeitures or paid by the employer, or reimbursed by a
third party, the plan may charge these expenses against participant accounts.
Annual Plan Administrative Fees
Fee Name
Fee Amount
Plan Administrative Fees (including applicable
recordkeeping, accounting, compliance and consulting
services. The fees reflect an annual amount deduction
proportionally on a quarterly basis)
0.30% assessed on total plan assets, allocated pro rata
among participant accounts
The Plan’s Administrative fees vary based on the total
amount of assets in the Plan. The Fee Amount shown
reflects the rate charged as of the date of this notice.
0.30% assessed on total plan assets, allocated pro rata
among participant accounts1
Eligible Participants with a Balance
Annual fee of $15.00 allocated to participant accounts
on a per capita basis
plus
Individual Fees
The plan may also impose specific charges against individual participant accounts for certain transactions. These
charges may arise based on your use of a feature available under the plan (such as taking a distribution or for
processing a qualified domestic relations order in case of a divorce).
Additionally, buying or selling some investments may result in charges to your individual account, such as
redemption fees. The Section Two charts below provide information on these investment charges.
Fee Name
Fee Amount
Qualified Domestic Relations Order
$200.00 minimum
Mainspring Managed Account - Employee Paid
Up to $10.00 per month
Distribution Approvals
$25.00 per event
Overnight Delivery
$30.00 per event
Paper Distribution
$75.00 per event
Paper Distributions upon Death/ Disability/ Retirement
$75.00 per event
Paper Loan
$125.00 per event
Paperless Distribution
$50.00 per event
Paperless Distributions upon Death/ Disability/
Retirement
$50.00 per event
Paperless Loan
$100.00 per event
34
807945 - W
As of July 21, 2013
35
4.76%
Metropolitan West TotRe Bd
I/Intermediate Bond
807945 - W
-5.46%
1yr.
8.68%
4.07%
5yr.
6.99%
4.78%
10yr.
7.15%
5.74%
Since
Inception
Average Annualized Total Return
provided as of
06/30/13
American Century
InflAdjBdIn/Inflation-Protected
Bond
Bond
Name/
Type of Option
VARIABLE RETURN INVESTMENTS
4.41%
5yr.
5.19%
10yr.
—
Since
Inception
6.82%
5.25%
6.88%
BarCap US Govt/Credit 5-10 Yr TR USD
-0.55%
BarCap US Treasury US TIPS TR USD
-4.78%
1yr.
Benchmark
0.41%
0.48%
Mutual
Fund
Expenses
0.41%
0.48%
As a
%
$4.10
$4.80
Per
$1,000
Total
Operating
Expenses
*Shareholder Type Fees
As of July 21, 2013
This Variable Return Investment Table focuses on the performance and costs of investment options that do not have a fixed or stated rate of return. The table below shows
how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not
guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about the principal risks of each option is
available on the website.
Variable Return Investments
To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your
assets among different types of investments can help you achieve a favorable rate of return while minimizing your overall risk of losing money.
The tables below show, for the Variable Return Investments, the Total Annual Operating Expenses of each option. Total Annual Operating Expenses are expenses that reduce
the rate of return of the investment option. For Fixed Return Investments, the tables focus on the performance of the investment option. The tables also show shareholder-type
fees, which are in addition to the Total Annual Operating Expenses. You may not be charged some of these shareholder-type fees, depending on the fund companies’ policies
with respect to qualified plans, and your individual circumstances. In addition, mutual fund companies may make revenue sharing payments, in the form of asset based fees,
which are collected for the benefit of your plan. These revenue sharing payments may be applied to reduce the fees and expenses associated with your plan (whether the plan
sponsor is billed for the services, or the amount is deducted from plan assets) and/or plan pricing, which includes The Standard’s fees. Any revenue sharing payments may
also be allocated among participants. The amount of revenue sharing payments differs among the mutual funds. Information about an option’s principal risks and revenue
sharing as well as other important information is available in Personal Savings Center by visiting www.standard.com/retirement and selecting performance from the top
menu bar.
This section illustrates the performance of investment options and shows how these options have performed over time. Including all funds in comparative tables allows you to
compare them with appropriate benchmarks for the same time periods. If you would like additional information about the investment options, you can go to the website
below. You may also call a customer service representative at 800.858.5420 for a free paper copy of the information available on the website.
Section Two - Comparative Fee and Performance Information
36
20.50%
23.24%
24.16%
16.15%
Fidelity Spartan 500 Idx
Inv/Large Cap Blend
JPMorgan US Equity Sel/Large
Cap Blend
TIAA-CREF Instl So Ch Eq
Ret/Large Cap Blend
MainStay Large Cap Growth
I/Large Cap Growth
34.07%
25.00%
14.78%
30.57%
25.74%
21.52%
Aston Fairpointe Mid Cap
I/Mid-Cap Blend
Vanguard Mid Cap Index
Sig/Mid-Cap Blend
Prudential Jennison MidCap
Z/Mid Cap Growth
Franklin Small Cap Value
A/Small Cap
Vanguard Small Cap Index
Sig/Small Cap
Prudential Jennison Sm Co
Z/Small Cap
807945 - W
27.45%
RidgeWorth Md-Cp Val Eq I/Mid
Cap Value
Small/Mid Cap
25.57%
1yr.
7.92%
10.15%
8.12%
8.12%
7.93%
10.03%
12.21%
5.86%
7.23%
8.04%
6.95%
7.67%
5yr.
11.04%
10.85%
10.35%
11.31%
10.46%
11.89%
12.17%
8.67%
7.58%
8.29%
7.22%
8.20%
10yr.
9.09%
6.34%
9.38%
10.08%
5.16%
10.18%
9.37%
8.09%
8.70%
6.16%
9.70%
7.37%
Since
Inception
Average Annualized Total Return
provided as of
06/30/13
Invesco Growth and Income
Y/Large Cap Value
Large Cap
Name/
Type of Option
VARIABLE RETURN INVESTMENTS
7.79%
10yr.
7.67%
7.67%
7.67%
7.47%
7.40%
Russell 1000 TR
7.12%
Russell 1000 TR
7.12%
Russell 1000 TR
7.12%
8.87%
10.92%
9.95%
8.28%
10.65%
9.08%
8.28%
10.65%
5.43%
7.61%
9.94%
7.75%
9.30%
9.53%
8.89%
9.62%
Russell 2000 TR
8.77%
Russell 2000 Value TR
8.59%
Russell 2000 Growth TR
23.67%
24.21%
24.76%
5.65%
4.70%
9.88%
Russell Mid Cap Growth TR
22.88%
Russell Mid Cap TR USD
25.41%
Russell Mid Cap TR USD
25.41%
Russell Mid Cap Value TR
27.65%
7.10%
8.70%
5.84%
10.05%
6.54%
Since
Inception
Russell 1000 Value TR
6.67%
5yr.
Russell 1000 Growth TR
17.07%
21.24%
21.24%
21.24%
25.32%
1yr.
Benchmark
0.87%
0.10%
1.27%
0.76%
0.10%
0.86%
1.07%
0.79%
0.43%
0.79%
0.10%
0.59%
Mutual
Fund
Expenses
0.87%
0.10%
1.27%
0.76%
0.10%
0.86%
1.07%
0.79%
0.43%
0.79%
0.10%
0.59%
As a
%
$8.70
$1.00
$12.70
$7.60
$1.00
$8.60
$10.70
$7.90
$4.30
$7.90
$0.95
$5.90
Per
$1,000
Total
Operating
Expenses
*Shareholder Type Fees
As of July 21, 2013
37
15.82%
7.87%
American Funds EuroPacifc
R5/Foreign
Oppenheimer Devel Markets
Y/Diversified Emerging Mkts
7.22%
5.48%
1.43%
1.61%
5.30%
5yr.
8.19%
18.09%
9.86%
11.32%
10.09%
10yr.
8.19%
11.35%
7.80%
8.02%
8.20%
Since
Inception
7.25%
10yr.
-0.80%
8.62%
5.17%
5.53%
Since
Inception
MSCI World NR USD
2.70%
5yr.
-0.80%
8.62%
6.78%
13.66%
5.54%
8.28%
MSCI EM NR USD
-0.43%
—
7.80%
Morningstar Moderately Aggr Target Risk
15.11%
2.87%
MSCI AC World Ex USA NR USD
13.63%
MSCI AC World Ex USA NR USD
13.63%
18.58%
1yr.
Benchmark
807945 - W
*This table shows the fees elected by the fund. You may not be charged this full amount depending on individual circumstances.
Vanguard Wellington
Inv/Balanced
14.90%
23.47%
Dodge & Cox Intl Stk/Foreign
Other
19.91%
1yr.
Average Annualized Total Return
provided as of
06/30/13
American Funds New Prspct
R5/World Stock
International Stock
Name/
Type of Option
VARIABLE RETURN INVESTMENTS
0.25%
1.03%
0.55%
0.64%
0.50%
Mutual
Fund
Expenses
0.25%
1.03%
0.55%
0.64%
0.50%
As a
%
$2.50
$10.30
$5.50
$6.40
$5.00
Per
$1,000
Total
Operating
Expenses
*Shareholder Type Fees
As of July 21, 2013
38
2.15%
Return
181 Days
Term
The rate of return on 06/30/13 was 2.15%. This rate
is fixed for 181 days, but will never fall below a
guaranteed minimum rate of 1.0%. Most current rate
of return information is available on
www.standard.com/retirement.
Other
0.10%
Mutual
Fund
Expenses
Many fixed return investments include restrictions on withdrawals depending upon a
variety of factors. For any applicable restrictions see the information provided on this
fund by logging into Personal Savings Center from www.standard.com/retirement.
Shareholder Type Fees and Restrictions
807945 - W
1.00%
0.75%
0.60%
0.52%
0.46%
0.40%
0.35%
0.30%
From $.00 to $1,000,000.00
From $1,000,000.01 to $2,500,000.00
From $2,500,000.01 to $5,000,000.00
From $5,000,000.01 to $8,000,000.00
From $8,000,000.01 to $12,000,000.00
From $12,000,000.01 to $16,000,000.00
From $16,000,000.01 to $20,000,000.00
From $20,000,000.01 to $9,999,999,999,999.99
Tiered Rate :
Plan Administration
1
As noted above, your Administrative fees vary based on the total amount of assets in the Plan. Following are the table(s) of applicable asset-based rates:
As of July 21, 2013
If you need additional information about your investment options, you may call a customer service representative at 800.858.5420. You may also find information by
logging into Personal Savings Center from www.standard.com/retirement.
The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor’s website for an example showing
the long-term cumulative effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are only one of many factors you
should consider when making your investment decision. Consideration should also be given to whether investment decisions, combined with your other investments held
outside the plan, will help you achieve your financial goals.
In providing this information, The Standard makes no representation as to the completeness and accuracy of the current disclosure materials of the issuer of designated investment options or information replicated from such
materials.
Copyright Morgan Stanley Capital International, Inc. 2013 All Rights Reserved. Unpublished. PROPRIETARY TO MORGAN STANLEY CAPITAL INTERNATIONAL, INC.
© 2013 Dow Jones & Company, Inc.
© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate,
complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
Prudential Guaranteed Inc 38/Cash
Equivalent
Name/
Type of Option
FIXED RETURN INVESTMENTS
This Fixed Return Investments Table focuses on the performance and costs of investment options that have a fixed or stated rate of retun. It shows the annual rate of return
of each option, the term or length of time that you will earn this rate of return, and other information relevant to performance.
Fixed Return Investments
39
807945 - W
This glossary is intended to help you better understand your options.
As of July 21, 2013
Please visit Personal Savings Center at www.standard.com/retirement for a glossary of investment terms relevant to the investment options under this plan.
How To Read A Fund Fact Sheet
Example: ABC Balanced Fund (ABCBF)
Morningstar Category, Rating, Return And Risk
Fund fact sheets don’t always look
alike. Some include graphics, others
have more facts and figures, many use
different headings for the same subjects.
However, most of them contain the same
basic information.
A fund name, “ABC Balanced Fund” in the
example, often indicates the type of fund.
The ticker symbol, “ABCBF” in the
example, is an identifying number that
can be used to do more research.
A high-level overview that includes the fund’s asset class, as well as several
assessments that compare it to similar funds to obtain a “star rating” based
on performance (after adjusting for risk and accounting for all sales charges),
its excess return over a risk-free rate (the return of the 90-day Treasury bill),
and its variations in monthly returns.
Investment Strategy
A description of the fund’s aims or objectives as well as investment
strategies, such as:
Capital Preservation – Seeks to protect against loss of principal, uses a
conservative investment approach focused on low risk
Growth And Income – aims for some income and some growth, uses a
moderate approach with higher risk than capital preservation
Aggressive Growth – seeks capital appreciation, employs aggressive highrisk strategies aimed at higher long-term returns than the other approaches
This section can include more details about investment strategies such
as focusing on certain sectors of the market, or employing a bottom-up
(company-by-company) approach to investing.
Volatility Analysis
An attempt to quantify the risk associated with investing in the fund based
on its short-term volatility relative to its long-term past performance.
Portfolio Analysis
Facts and figures such as:
Composition – a graphic representation of the fund’s holdings into broad
asset classes such as stocks, bonds or cash.
Top 5 Holdings – the top five largest holdings in the fund by company/
government agency or industry; an indicator of diversification
Total Number Of Holdings – the number of holdings in the fund; an
indicator of diversification (lower risk) versus concentration (higher risk)
Annual Turnover Ratio % – the percentage of the investment option’s
holdings that have been “turned over” or replaced with other holdings in a
given year
Total Fund Assets – the total amount of investor money in the fund
Morningstar Style Box™ – the size and type of companies (in the case
of stocks) or the length and quality of bonds, often in a grid or box that
indicates its risk/return potential
STN_How_to_Read_FFS.pdf
10.17.2011
Morningstar Super Sectors – a breakdown of the fund’s assets according
to Morningstar’s overarching consolidation of all industries into one of three
“economic spheres”
40
Standard Retirement Services, Inc.
Credit Analysis: % Bonds – a depiction of the quality of bonds in the fund’s
portfolio. Bonds rated AAA are considered to have the lowest default risk
among issuers. Bonds rated below BBB are considered below investment
grade and bonds rated B or below are considered speculative
Risk Measures – uses standard deviation to measure the fund’s historical
price volatility on an absolute basis. The higher the number, the more volatile
the fund
Operations
Fund Inception Date – The day on which a fund began offering shares
Portfolio Manager/Management Company – names of the people and
firms who are managing the fund and/or providing sub-advisory services
STN_How_to_Read_FFS.pdf
10.17.2011
Web Site: Web address of the fund company managing the investment option
Enroll now! www.standard.com/retirement, 800.858.5420
41
Prudential Guaranteed Income Fund
Release Date
06-30-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Stable Value
Investment Objective & Strategy
.
Portfolio Analysis
Composition as of 03-31-13
% Assets
Morningstar Style Box™ as of 03-31-13
0.0
0.0
0.0
100.0
Med
Low
Synthetic GICs
Traditional GICs
Cash
Other
High
The Guaranteed Income Fund (GIF) is a Stable Value fund
designed to provide safety of principal, liquidity, and a
competitive rate of return.
.
.
Ltd
What do Stable Value Funds invest in?
Stable value funds tend to invest in high-quality bonds with
short- to intermediate-term maturities. They also purchase
insurance contracts which aim to provide price stability on a
day-to-day basis. The horizontal axis of the Morningstar
fixed-income Style Box shows duration, a measure of how
the funds price will change in response to interest-rate
changes. Because stable value funds insurance contracts
usually prevent any fluctuations in the funds prices, these
funds are insulated from interest-rate volatility and their
duration is effectively zero.
42
Mod
Ext
Operations
Fund Inception Date
Total Fund Assets ($mil)
Portfolio Manager
Management Company
Web Site
01-01-11
17,356.00
Management Team
Prudential Investment
Management, Inc.
www.prudential.com/pfi
Volatility Analysis
Risk: Below Average
In the past, this investment has shown a relatively small
range of price fluctuations relative to other investments.
Based on this measure, currently more than two-thirds of all
investments have shown higher levels of risk. Consequently,
this investment may appeal to investors looking for a
conservative investment strategy.
American Century Infl-Adj Bond Inv ACITX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Inflation-Protected Bond
Above Average
QQQQ
Below Average
Out of 179 Inflation-Protected Bond funds. An investment's overall Morningstar Rating, based on its risk-adjusted
return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a relatively small
range of price fluctuations relative to other investments.
Based on this measure, currently more than two-thirds of all
investments have shown higher levels of risk. Consequently,
this investment may appeal to investors looking for a
conservative investment strategy.
-50
0
50
100
Total
Top 5 Holdings as of 12-31-12
100.0
% Assets
US Treasury Note 1.125% 01-15-21
US Treasury Note 07-15-21
US Treasury Bond 3.875% 04-15-29
US Treasury Note 0.125% 01-15-22
US Treasury Bond 2.375% 01-15-25
6.08
5.71
4.67
4.64
4.42
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
0
137
26.00
5,346.55
Avg Eff Duration
Avg Eff Maturity
Avg Wtd Coupon
Avg Wtd Price
Low
Risk: Below Average
.............................................................................................
-100
Morningstar Fixed Income Style Box ™ as of 12-31-12
0.0
0.0
99.3
0.7
0.0
Med
Volatility Analysis
%Net
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
High
The investment seeks total return and inflation protection
consistent with investment in inflation-indexed securities.
Under normal market conditions, the fund invests at
least 80% of its assets in inflation-adjusted debt securities.
It may invest up to 20% of its assets in traditional U.S.
Treasury, U.S. government agency or other non-U.S.
government securities that are not inflation-indexed.
Portfolio Analysis
Composition as of 12-31-12
Ltd
Mod
6.49
9.26
1.79
122.09
Ext
Credit Analysis: % Bonds as of 12-31-12
AAA
AA
A
BBB
96
1
2
1
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
BB
B
Below B
Not Rated
0
0
0
0
Port Avg
Rel LB Aggr
Rel Cat
4.42
1.25
1.20
0.29
.
.
1.08
1.24
0.74
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
02-10-97
Robert V. Gahagan
American Century Inv Mgt, Inc.
ipro.americancentury.com/ipro/
Metropolitan West Total Return Bond I MWTIX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Intermediate-Term Bond
High
QQQQQ
Average
Out of 1004 Intermediate-Term Bond funds. An investment's overall Morningstar Rating, based on its
risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for
details.
Investment Objective & Strategy
From investment's prospectus
Ltd
Top 5 Holdings as of 12-31-12
% Assets
US Treasury Note 0.75% 10-31-17
US Treasury Note 0.75% 06-30-17
US Treasury Note 1.625% 11-15-22
US Treasury Bond 2.75% 08-15-42
US Treasury Note 04-15-17
5.61
4.73
2.94
1.82
1.65
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
1
1103
156.00
24,805.46
Avg Eff Duration
Avg Eff Maturity
Avg Wtd Coupon
Avg Wtd Price
Low
In the past, this investment has shown a relatively small
range of price fluctuations relative to other investments.
Based on this measure, currently more than two-thirds of all
investments have shown higher levels of risk. Consequently,
this investment may appeal to investors looking for a
conservative investment strategy.
Morningstar Fixed Income Style Box ™ as of 12-31-12
0.1
0.0
90.6
4.8
4.4
Med
Volatility Analysis
Risk: Below Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
High
The investment seeks to maximize long-term total return.
The fund normally invests at least 80% of its net assets
in investment grade fixed income securities or unrated
securities that are determined by the Adviser to be of similar
quality. Up to 20% of its net assets may be invested in
securities rated below investment grade. Under normal
conditions, the portfolio duration is two to eight years and
the dollar-weighted average maturity ranges from two to
fifteen years. The fund invests in the U.S. and abroad,
including emerging markets, and may purchase securities of
varying maturities issued by domestic and foreign
corporations and governments.
Portfolio Analysis
Composition as of 12-31-12
Mod
4.16
6.73
3.76
98.90
Ext
Credit Analysis: % Bonds as of 12-31-12
AAA
AA
A
BBB
61
6
10
7
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
BB
B
Below B
Not Rated
4
2
9
0
Port Avg
Rel LB Aggr
Rel Cat
2.51
0.71
4.37
1.04
.
.
0.93
0.89
2.59
Operations
Fund Inception Date
Portfolio Manager
03-31-00
Tad Rivelle
Management Company
Web Site
Metropolitan West Asset
Management, LLC.
www.mwamllc.com
43
Vanguard Wellington Inv VWELX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Moderate Allocation
High
QQQQQ
Average
Out of 802 Moderate Allocation funds. An investment's overall Morningstar Rating, based on its risk-adjusted
return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
High
Med
Low
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
Morningstar Style Box™ as of 12-31-12 (EQ) ; 12-31-12 (F-I)
56.1
9.2
32.8
0.9
1.0
Small
Volatility Analysis
Risk: Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to provide long-term capital
appreciation and reasonable current income.
The fund invests 60% to 70% of its assets in
dividend-paying and, to a lesser extent, non-dividend-paying
common stocks of established large and mid-size companies.
The advisor seeks those that appear to be undervalued but
have prospects for improvement. The remaining 30% to 40%
of the assets are invested mainly in fixed income securities
that the advisor believes will generate a reasonable level of
current income. These securities include investment-grade
corporate bonds, with some exposure to U.S. Treasury and
government agency bonds, and mortgage-backed securities.
Portfolio Analysis
Composition as of 12-31-12
Value Blend Growth
Ltd
Mod
Ext
Morningstar Super Sectors as of 12-31-12
% Fund
Top 5 Holdings as of 12-31-12
% Assets
Exxon Mobil Corporation
Wells Fargo & Co
Pfizer Inc
JPMorgan Chase & Co
US Treasury Note 0.25%
2.20
1.99
1.82
1.71
1.70
Cyclical
28.44
Sensitive
41.63
Defensive
29.92
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
98
1064
31.00
70,642.03
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
9.70
0.98
1.48
Rel Cat
0.65
.
.
0.92
0.93
-1.83
Operations
Fund Inception Date
Portfolio Manager
Management Company
07-01-29
Edward P. Bousa
Web Site
Wellington Management
Company, LLP
www.vanguard.com
Invesco Growth and Income Y ACGMX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Large Value
Above Average
QQQQ
Average
Out of 1045 Large Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
44
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
87.8
6.8
0.0
5.4
0.0
Small
Volatility Analysis
Risk: Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks income and long-term growth of
capital.
Under normal market conditions, Invesco Advisers, Inc.
(the Adviser), the fund's investment adviser, seeks to achieve
the fund's investment objective by investing primarily in a
portfolio of income-producing equity securities (although
investments are also made in non-convertible preferred
stocks and debt securities). It focuses primarily on the
security's potential for income and capital growth. The
Adviser may invest to a larger degree in larger capitalization
(or large cap) companies which it believes possess
characteristics for improved valuation.
Portfolio Analysis
Composition as of 12-31-12
Giant
45.01
Large
Medium
Small
45.13
9.86
0.00
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Morningstar Super Sectors as of 12-31-12
% Fund
5.23
3.32
2.78
2.70
2.70
Cyclical
36.09
Sensitive
33.54
Defensive
30.36
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
JPMorgan Chase & Co
General Electric Co
Citigroup Inc
Invesco Short Term Inv Liq Assets Instl
Invesco Treasurer's Ser Tr Prem Instl
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
74
0
25.00
7,752.65
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
15.98
1.05
-2.79
1.06
.
.
Operations
Fund Inception Date
Portfolio Manager
10-19-04
Thomas Bastian
Management Company
Web Site
Invesco Advisers, Inc
www.invesco.com
Rel Cat
1.02
1.03
1.67
Fidelity Spartan 500 Index Inv FUSEX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Large Blend
Above Average
QQQQ
Average
Out of 1474 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Average
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
96.6
2.4
0.0
1.0
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to provide investment results that
correspond to the total return performance of common stocks
publicly traded in the United States.
The fund normally invests at least 80% of assets in
common stocks included in the S&P 500® Index, which
broadly represents the performance of common stocks
publicly traded in the United States. It lends securities to
earn income.
Portfolio Analysis
Composition as of 02-28-13
Giant
50.72
Large
Medium
Small
36.52
12.66
0.09
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Morningstar Super Sectors as of 02-28-13
% Fund
Top 5 Holdings as of 02-28-13
% Assets
Apple Inc
Exxon Mobil Corporation
General Electric Co
Chevron Corp
Google, Inc. Class A
3.00
2.95
1.76
1.66
1.54
Cyclical
31.03
Sensitive
42.86
Defensive
26.11
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
501
0
5.00
55,643.84
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
15.00
1.00
-0.08
Rel Cat
1.00
.
.
0.95
0.96
0.04
Operations
Fund Inception Date
Portfolio Manager
Management Company
02-17-88
Patrick Waddell
Web Site
Fidelity Management & Research
Company
www.fidelity.com
JPMorgan US Equity Sel JUESX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Large Blend
Above Average
QQQQ
Average
Out of 1474 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Average
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
94.7
3.7
0.0
1.6
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to provide high total return from a
portfolio of selected equity securities.
The fund invests at least 80% of assets in equity
securities of U.S. companies. In implementing its strategy,
the fund primarily invests in common stocks of large- and
medium-capitalization U.S. companies but it may also invest
up to 20% of its assets in common stocks of foreign
companies, including depositary receipts.
Portfolio Analysis
Composition as of 02-28-13
Giant
44.04
Large
Medium
Small
41.43
13.93
0.60
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Morningstar Super Sectors as of 02-28-13
% Fund
Top 5 Holdings as of 02-28-13
% Assets
Apple Inc
Johnson & Johnson
Wells Fargo & Co
United Technologies Corp
Google, Inc. Class A
2.99
2.37
2.37
2.33
2.30
Cyclical
33.28
Sensitive
42.23
Defensive
24.50
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
225
0
83.00
8,213.05
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
16.18
1.07
-1.80
1.08
.
.
Rel Cat
1.02
1.03
0.89
Operations
Fund Inception Date
Portfolio Manager
09-07-01
Thomas Luddy
Management Company
Web Site
J.P. Morgan Investment
Management Inc.
www.jpmorganfunds.com
45
TIAA-CREF Social Choice Eq Retire TRSCX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Large Blend
Above Average
QQQQ
Average
Out of 1474 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Average
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 01-31-13
96.9
2.3
0.0
0.8
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks a favorable long-term total return that
reflects the investment performance of the overall U.S. stock
market while giving special consideration to certain social
criteria.
Under normal circumstances, the fund invests at least
80% of its assets in equity securities. It attempts to track the
return of the U.S. stock market as represented by its
benchmark, the Russell 3000® Index, while investing only in
companies whose activities are consistent with the fund's
social criteria. Its investments are subject to certain
environmental, social and governance ("ESG") criteria. The
fund may invest up to 15% of its assets in foreign
investments.
Portfolio Analysis
Composition as of 01-31-13
Giant
21.21
Large
Medium
Small
56.97
16.25
4.46
..........................................................
..........................................................
Micro
1.11
Value Blend Growth
Top 5 Holdings as of 01-31-13
% Assets
Morningstar Super Sectors as of 01-31-13
% Fund
1.77
1.69
1.65
1.61
1.48
Cyclical
34.19
Sensitive
41.86
Defensive
23.96
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
International Business Machines Corp
Procter & Gamble Co
Johnson & Johnson
Google, Inc. Class A
Berkshire Hathaway Inc Class B
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
844
0
17.00
1,440.76
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
15.60
1.03
-0.92
1.04
.
.
Rel Cat
0.98
0.99
0.46
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
10-01-02
Anne Sapp
Teachers Advisors, Inc.
www.tiaa-cref.org
MainStay Large Cap Growth I MLAIX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Large Growth
Above Average
QQQQ
Average
Out of 1482 Large Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Above Average
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
46
% Mkt Cap
Morningstar Style Box™ as of 01-31-13
96.0
2.7
0.0
1.4
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term growth of capital.
The fund invests at least 80% of its assets (net assets
plus any borrowings for investment purposes) in large
capitalization companies, which are companies having a
market capitalization in excess of $4 billion at the time of
purchase. The Subadvisor invests substantially all of the
fund's investable assets in domestic securities. However, the
fund is permitted to invest up to 20% of its net assets in
foreign securities, which are generally securities issued by
companies organized outside the U.S. and traded primarily in
markets outside the U.S.
Portfolio Analysis
Composition as of 01-31-13
Giant
40.55
Large
Medium
Small
47.66
11.79
0.00
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 01-31-13
% Assets
Morningstar Super Sectors as of 01-31-13
% Fund
4.10
3.91
3.68
3.16
3.10
Cyclical
38.26
Sensitive
41.54
Defensive
20.21
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Apple Inc
Union Pacific Corp
Visa, Inc.
Danaher Corporation
Monsanto Company
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
67
0
60.00
17,934.94
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
17.62
1.14
-2.54
1.17
.
.
Rel Cat
1.05
1.06
1.05
Operations
Fund Inception Date
Portfolio Manager
04-01-05
R. Bartlett Wear
Management Company
Web Site
New York Life Investment
Management LLC
www.mainstayinvestments.com
RidgeWorth Mid-Cap Value Equity I SMVTX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Mid-Cap Value
High
QQQQ
Above Average
Out of 362 Mid-Cap Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return,
is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Above Average
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
94.5
0.0
0.0
5.5
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to provide capital appreciation; current
income is as a secondary objective.
The fund invests at least 80% of its net assets (plus
any borrowings for investment purposes) in U.S.-traded
equity securities of mid-capitalization companies. The
subadviser considers mid-capitalization companies to be
companies with market capitalizations similar to those of
companies in the Russell Midcap® Value Index.
Portfolio Analysis
Composition as of 02-28-13
Giant
0.00
..........................................................
Large
Medium
Small
34.79
47.79
17.42
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 02-28-13
% Assets
Morningstar Super Sectors as of 02-28-13
% Fund
3.29
3.02
2.80
2.72
2.58
Cyclical
40.58
Sensitive
43.11
Defensive
16.30
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Cigna Corp
Johnson Controls Inc
Joy Global, Inc.
Cabot Corporation
QEP Resources Inc
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
69
0
182.00
2,713.17
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
20.68
1.32
-3.35
Rel Cat
1.38
.
.
1.17
1.17
2.03
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
11-30-01
Don Wordell
RidgeWorth Investments
www.ridgeworth.com
ASTON/Fairpointe Mid Cap I ABMIX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Mid-Cap Blend
Above Average
QQQ
Above Average
Out of 348 Mid-Cap Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return,
is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Above Average
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
95.8
1.2
0.0
3.0
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term total return through capital
appreciation.
Under normal conditions, the fund invests at least 80%
of its assets in mid-cap stocks of companies with an
improving revenue and earnings growth outlook. It defines a
mid-cap company as one having a market capitalization of
between $1 and $12 billion at the time of acquisition. The
portfolio managers select approximately 40 - 50 stocks based
on bottom-up fundamental analysis. The fund may invest in
small-cap stocks, convertible securities, and foreign
securities (directly and through depositary receipts).
Portfolio Analysis
Composition as of 12-31-12
Giant
0.00
..........................................................
Large
Medium
Small
4.11
68.45
23.53
..........................................................
Micro
3.91
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Morningstar Super Sectors as of 12-31-12
% Fund
3.81
3.49
3.34
3.27
3.27
Cyclical
36.61
Sensitive
42.28
Defensive
21.12
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Boston Scientific, Inc.
H&R Block Inc
Gannett Co Inc
DeVry, Inc.
Itron Inc.
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
45
0
28.06
3,695.73
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
20.95
1.32
-3.17
Rel Cat
1.40
.
.
1.13
1.13
1.54
Operations
Fund Inception Date
Portfolio Manager
07-06-04
Thyra E. Zerhusen
Management Company
Web Site
Aston Asset Management, LP
www.astonfunds.com
47
Vanguard Mid Cap Index Signal VMISX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Mid-Cap Blend
Average
QQQ
Average
Out of 348 Mid-Cap Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return,
is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
97.1
2.8
0.0
0.1
0.0
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to track the performance of a
benchmark index that measures the investment return of
mid-capitalization stocks.
The fund employs an indexing investment approach
designed to track the performance of the CRSP US Mid Cap
Index, a broadly diversified index of stocks of mid-size U.S.
companies. The fund attempts to replicate the target index
by investing all, or substantially all, of its assets in the stocks
that make up the index, holding each stock in approximately
the same proportion as its weighting in the index.
Portfolio Analysis
Composition as of 12-31-12
Giant
0.00
..........................................................
Large
Medium
Small
4.91
94.12
0.97
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Morningstar Super Sectors as of 12-31-12
% Fund
0.52
0.51
0.51
0.48
0.46
Cyclical
39.47
Sensitive
38.85
Defensive
21.69
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
CF Industries Holdings Inc
Mattel, Inc.
Pioneer Natural Resources Company
Delphi Automotive PLC
Cerner Corporation
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
450
0
17.00
32,535.57
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
17.41
1.13
-0.07
Rel Cat
1.16
.
.
0.94
0.97
0.03
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
03-30-07
Donald M. Butler
Vanguard Group, Inc.
www.vanguard.com
Prudential Jennison Mid Cap Growth Z PEGZX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Mid-Cap Growth
Above Average
QQQQQ
Below Average
Out of 645 Mid-Cap Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return,
is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
89.8
7.0
0.0
3.2
0.0
Small
Volatility Analysis
Risk: Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term capital appreciation.
The fund normally invests at least 80% of its investable
assets in equity and equity-related securities of
medium-sized companies with the potential for
above-average growth. In deciding which equities to buy, it
uses what is known as a growth investment style. The fund's
investable assets will be less than its total assets to the
extent that it has borrowed money for non-investment
purposes, such as to meet anticipated redemptions.
Portfolio Analysis
Composition as of 02-28-13
Giant
0.00
..........................................................
Large
Medium
Small
26.19
71.50
1.99
..........................................................
Micro
0.33
Value Blend Growth
Top 5 Holdings as of 02-28-13
% Assets
Morningstar Super Sectors as of 02-28-13
% Fund
3.24
2.41
2.18
2.08
1.99
Cyclical
24.78
Sensitive
53.15
Defensive
22.08
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Prudential Core Invt 12-31-49
Crown Castle International Corp
Ametek, Inc.
DaVita HealthCare Partners Inc
VeriSign, Inc.
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
94
0
49.00
8,511.94
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
15.04
0.95
1.39
1.00
.
.
Operations
Fund Inception Date
Portfolio Manager
48
12-31-96
John Mullman
Management Company
Web Site
Prudential Investments LLC
www.prudentialfunds.com
Rel Cat
0.84
0.85
-1.09
Franklin Small Cap Value A FRVLX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Small Value
Average
QQQ
Average
Out of 286 Small Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a
weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
Risk: Above Average
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
93.0
4.3
0.0
2.7
0.0
Small
Volatility Analysis
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term total return.
The fund normally invests at least 80% of its net assets
in investments of small-capitalization (small-cap) companies.
Small-cap companies are companies with market
capitalizations (the total market value of a company's
outstanding stock) under $3.5 billion at the time of purchase.
It generally invests in equity securities that the fund's
investment manager believes are undervalued and have the
potential for capital appreciation. The fund invests primarily
in common stocks. It may invest up to 25% of its total assets
in foreign securities.
Portfolio Analysis
Composition as of 12-31-12
Giant
0.00
..........................................................
Large
Medium
Small
0.80
30.75
46.72
Micro
21.73
..........................................................
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Morningstar Super Sectors as of 12-31-12
% Fund
2.31
2.28
2.02
2.01
2.01
Cyclical
45.71
Sensitive
48.59
Defensive
5.70
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Protective Life Corp
Thor Industries, Inc.
Group 1 Automotive Inc
Reliance Steel and Aluminum
Trinity Industries, Inc.
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
103
0
5.18
1,957.97
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
21.42
1.33
-2.43
1.43
.
.
Rel Cat
1.10
1.09
0.87
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
03-11-96
William J. Lippman
Franklin Advisory Services, LLC
www.franklintempleton.com
Vanguard Small Cap Index Signal VSISX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Small Blend
Above Average
QQQQ
Above Average
Out of 604 Small Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a
weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
98.2
1.2
0.0
0.6
0.0
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks to track the performance of a
benchmark index that measures the investment return of
small-capitalization stocks.
The fund employs an indexing investment approach
designed to track the performance of the CRSP US Small Cap
Index, a broadly diversified index of stocks of small U.S.
companies. The fund attempts to replicate the target index
by investing all, or substantially all, of its assets in the stocks
that make up the index, holding each stock in approximately
the same proportion as its weighting in the index.
Portfolio Analysis
Composition as of 12-31-12
Giant
0.00
..........................................................
Large
Medium
Small
0.00
22.89
58.31
Micro
18.80
..........................................................
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Morningstar Super Sectors as of 12-31-12
% Fund
0.56
0.24
0.24
0.24
0.23
Cyclical
42.13
Sensitive
40.34
Defensive
17.53
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
CMT Market Liquidity Rate
Apartment Investment & Management
Mednax, Inc.
NCR Corporation
American Capital Ltd
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
1750
0
14.00
27,276.11
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
19.69
1.26
-0.74
1.31
.
.
Rel Cat
0.98
1.00
0.39
Operations
Fund Inception Date
Portfolio Manager
12-15-06
Michael H. Buek
Management Company
Web Site
Vanguard Group, Inc.
www.vanguard.com
49
Prudential Jennison Small Company Z PSCZX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Small Growth
Above Average
QQQQ
Average
Out of 645 Small Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is
a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
94.1
2.0
0.0
3.9
0.0
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks capital growth.
The fund normally invests at least 80% of investable
assets in equity and equity-related securities of small, less
well-known companies that the investment subadviser
believes are relatively undervalued. In deciding which stocks
to buy, it uses a blend of both value and growth styles. The
investment subadviser currently considers small companies
to be those with a market capitalization less than the largest
market capitalization of the Russell 2500 Index at the time of
investment.
Portfolio Analysis
Composition as of 02-28-13
Giant
0.00
..........................................................
Large
Medium
Small
0.01
38.93
52.14
..........................................................
Micro
8.93
Value Blend Growth
Top 5 Holdings as of 02-28-13
% Assets
Morningstar Super Sectors as of 02-28-13
% Fund
3.90
2.25
1.78
1.75
1.59
Cyclical
39.28
Sensitive
45.30
Defensive
15.40
...........................................................................................................
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Prudential Core Invt 12-31-49
Air Methods Corp.
Rosetta Resources, Inc.
White Mountains Insurance Group Ltd.
Universal Health Services, Inc. Class B
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
160
0
47.00
2,935.85
Risk Measures as of 03-31-13
Port Avg Rel S&P 500
17.91
1.11
-0.54
Rel Cat
1.19
.
.
0.90
0.90
0.34
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
03-01-96
John Mullman
Prudential Investments LLC
www.prudentialfunds.com
American Funds New Perspective R5 RNPFX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
World Stock
Above Average
QQQQQ
Below Average
Out of 743 World Stock funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a
weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a relatively moderate
range of price fluctuations relative to other investments. This
investment may experience larger or smaller price declines
or price increases depending on market conditions. Some of
this risk may be offset by owning other investments with
different portfolio makeups or investment strategies.
50
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
38.7
53.3
0.3
5.6
2.1
Small
Volatility Analysis
Risk: Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term growth of capital; future
income is a secondary objective.
The fund seeks to take advantage of investment
opportunities generated by changes in international trade
patterns and economic and political relationships by
investing in common stocks of companies located around the
world. In pursuing its primary investment objective, it invests
primarily in common stocks that the investment adviser
believes have the potential for growth. In pursuing its
secondary objective, the fund invests in common stocks of
companies with the potential to pay dividends in the future.
Portfolio Analysis
Composition as of 12-31-12
Giant
55.92
Large
Medium
Small
34.14
9.94
0.00
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Novo Nordisk A/S
Amazon.com Inc
Google, Inc. Class A
Home Depot, Inc.
Naspers Ltd
4.98
2.35
1.71
1.67
1.42
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
201
4
16.00
46,604.84
Morningstar Super World Regions as of 12-31-12
% Fund
Americas
Greater Europe
Greater Asia
46.92
40.10
12.98
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Port Avg Rel S&P 500
16.08
0.81
5.02
1.07
.
.
Operations
Fund Inception Date
Portfolio Manager
05-15-02
Gregg E. Ireland
Management Company
Web Site
Capital Research and
Management Company
www.americanfunds.com
Rel Cat
0.93
0.98
1.42
Dodge & Cox International Stock DODFX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Foreign Large Blend
Above Average
QQQQ
High
Out of 708 Foreign Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted
return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
5.5
93.0
0.0
0.3
1.2
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term growth of principal and
income.
The fund invests primarily in a diversified portfolio of
equity securities issued by non-U.S. companies from at least
three different countries, including emerging markets. It
normally invests at least 80% of its total assets in common
stocks, preferred stocks, securities convertible into common
stocks, and securities that carry the right to buy common
stocks of non-U.S. companies. The fund invests primarily in
medium-to-large well established companies based on
standards of the applicable market.
Portfolio Analysis
Composition as of 12-31-12
Giant
52.37
Large
Medium
Small
38.74
8.26
0.64
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Naspers Ltd
Sanofi
Roche Holding AG
Lafarge SA
Koninklijke Philips Electronics NV
3.99
3.72
3.64
3.37
2.95
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
96
0
10.00
42,802.04
Morningstar Super World Regions as of 12-31-12
% Fund
Americas
Greater Europe
Greater Asia
10.42
73.68
15.91
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Port Avg Rel S&P 500
20.49
1.05
-0.14
Rel Cat
1.37
.
.
1.07
1.08
0.88
Operations
Fund Inception Date
Portfolio Manager
Management Company
Web Site
05-01-01
Diana Strandberg
Dodge & Cox
www.dodgeandcox.com
American Funds EuroPacific Gr R5 RERFX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Foreign Large Blend
Above Average
QQQQQ
Below Average
Out of 708 Foreign Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted
return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
% Mkt Cap
Morningstar Style Box™ as of 12-31-12
0.1
90.3
1.0
6.4
2.2
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks long-term growth of capital.
The fund invests primarily in common stocks of issuers
in Europe and the Pacific Basin that the investment adviser
believes have the potential for growth. Growth stocks are
stocks that the investment adviser believes have the
potential for above-average capital appreciation. It normally
invests at least 80% of net assets in securities of issuers in
Europe and the Pacific Basin. The fund may invest a portion
of its assets in common stocks and other securities of
companies in countries with developing economies and/or
markets.
Portfolio Analysis
Composition as of 12-31-12
Giant
61.92
Large
Medium
Small
32.55
5.45
0.08
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 12-31-12
% Assets
Novo Nordisk A/S
Samsung Electronics Co Ltd
Novartis AG
SOFTBANK Corp
Bayer AG
3.74
2.79
2.01
2.00
1.76
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
297
11
24.00
107,516.66
Morningstar Super World Regions as of 12-31-12
% Fund
Americas
Greater Europe
Greater Asia
4.87
55.43
39.70
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Port Avg Rel S&P 500
18.34
0.93
0.37
1.22
.
.
Rel Cat
0.95
0.96
-2.31
Operations
Fund Inception Date
Portfolio Manager
05-15-02
Stephen E. Bepler
Management Company
Web Site
Capital Research and
Management Company
www.americanfunds.com
51
Oppenheimer Developing Markets Y ODVYX
Release Date
03-31-2013
....................................................................................................................................................................................................................................................................................................................................................
Overall Morningstar Rating™
Morningstar Return
Morningstar Risk
Morningstar Category
Diversified Emerging Mkts
High
QQQQQ
Below Average
Out of 356 Diversified Emerging Mkts funds. An investment's overall Morningstar Rating, based on its
risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for
details.
Investment Objective & Strategy
From investment's prospectus
In the past, this investment has shown a wide range of price
fluctuations relative to other investments. This investment
may experience significant price increases in favorable
markets or undergo large price declines in adverse markets.
Some of this risk may be offset by owning other investments
that follow different investment strategies.
52
% Mkt Cap
Morningstar Style Box™ as of 02-28-13
0.0
92.8
0.0
6.2
0.9
Small
Volatility Analysis
Risk: Above Average
% Assets
U.S. Stocks
Non-U.S. Stocks
Bonds
Cash
Other
Large Mid
The investment seeks capital appreciation aggressively.
The fund mainly invests in common stocks of issuers in
developing and emerging markets throughout the world and
at times it may invest up to 100% of its total assets in
foreign securities. Under normal market conditions, it will
invest at least 80% of its net assets, plus borrowings for
investment purposes, in equity securities of issuers whose
principal activities are in a developing market, i.e. are in a
developing market or are economically tied to a developing
market country. The fund will invest in at least three
developing markets.
Portfolio Analysis
Composition as of 02-28-13
Giant
44.66
Large
Medium
Small
40.69
13.78
0.86
..........................................................
..........................................................
Micro
0.00
Value Blend Growth
Top 5 Holdings as of 02-28-13
% Assets
Oppenheimer Institutional Money Market E
Baidu, Inc. ADR
America Movil, S.A.B. de C.V. ADR
NHN Corporation
Anglo American PLC
6.25
3.65
2.74
2.18
2.06
...........................................................................................................
Total Number of Stock Holdings
Total Number of Bond Holdings
Annual Turnover Ratio %
Total Fund Assets ($mil)
120
0
20.00
33,436.35
Morningstar Super World Regions as of 02-28-13
% Fund
Americas
Greater Europe
Greater Asia
23.63
32.04
44.33
Risk Measures as of 03-31-13
3 Yr Std Dev
3 Yr Beta
3 Yr Alpha
Port Avg Rel S&P 500
19.79
0.91
2.82
1.32
.
.
Rel Cat
0.95
0.97
-2.35
Operations
Fund Inception Date
Portfolio Manager
09-07-05
Justin Leverenz
Management Company
Web Site
OFI Global Asset Management
www.oppenheimerfunds.com
NAVdisclosure.pdf 7.14.2011
Important Disclosures
A redemption fee may apply to short-term investments. The
Standard charges fees in addition to those charged by the
Fund.
Investments are subject to market risks and fluctuate in
value. Past performance is no guarantee of future results.
Plan sponsors and participants should carefully
consider the investment objectives, risks, charges and
expenses of the investment options offered under the
retirement plan before investing. The prospectuses for
the individual mutual funds contain this and other
important information. Prospectuses may be obtained
by calling 877.805.1127. Please read the prospectus
carefully before investing.
NOT A DEPOSIT – NOT FDIC INSURED – NOT INSURED BY
ANY FEDERAL GOVERNMENT AGENCY – NOT
GUARANTEED BY THE INSTITUTION – MAY GO DOWN IN
VALUE
Morningstar Rating™
Often simply called the Star Rating, the Morningstar Rating
brings load-adjustments, performance (returns) and risk
together into one evaluation. To determine a fund’s star
rating for a given time period (three, five, or 10 years), the
fund's risk-adjusted return is plotted on a bell curve: If the
fund scores in the top 10% of its category, it receives 5 stars
(Highest); if it falls in the next 22.5% it receives 4 stars
(Above Average); a place in the middle 35% earns 3 stars
(Average); those lower still, in the next 22.5%, receive 2
stars (Below Average); and the bottom 10% get only 1 star
(Lowest). The Overall Morningstar Rating is a weighted
average of the available three-, five-, and 10-year ratings.
Morningstar Return
This statistic is a measurement of a fund’s excess return over
a risk-free rate (the return of the 90-day Treasury bill), after
adjusting for all applicable loads and sales charges. In each
Morningstar Category, the top 10% of funds earn a High
Morningstar Return, the next 22.5% Above Average, the
middle 35% Average, the next 22.5% Below Average, and
the bottom 10% Low. Morningstar Return is measured for up
to three time periods (three-, five-, and 10-years). These
separate measures are then weighted and averaged to
produce an overall measure for the fund. Funds with less
than three years of performance history are not rated.
Morningstar Risk
This statistic evaluates the variations in a fund’s monthly
returns, with an emphasis on downside variations. In each
Morningstar Category, the 10% of funds with the lowest
measured risk are described as Low Risk, the next 22.5%
Below Average, the middle 35% Average, the next 22.5%
Above Average, and the top 10% High. Morningstar Risk is
measured for up to three time periods (three-, five-, and
10-years). These separate measures are then weighted and
averaged to produce an overall measure for the fund. Funds
with less than three years of performance history are not
rated.
Risk Measures
R-squared reflects the percentage of a fund’s movements
that are explained by movements in its benchmark index,
showing the degree of correlation between the fund and the
benchmark.
Beta is a measure of a fund’s sensitivity to market
movements. A portfolio with a beta greater than 1 is more
volatile than the market, and a portfolio with a beta less than
1 is less volatile than the market.
Alpha measures the difference between a fund’s actual
returns and its expected performance, given its level of risk
(as measured by beta).
Sharpe ratio uses standard deviation and excess return to
determine reward per unit of risk.
securities in the portfolio. The investor should be aware of
the possible higher level of volatility, and increased risk of
default. The investor should also be aware that as interest
rates rise, bond prices will fall.
Funds that invest in Derivatives: Funds that invest in
derivatives are subject to a number of risks, such as liquidity
risk, interest rate risk, market risk, credit risk, and
management risk. A Fund investing in a derivative instrument
could lose more than the principal amount invested, as
stated in the Fund's prospectus.
Real Estate Funds: Real estate investment funds are subject
to risks, such as market forces, that may affect the values of
their underlying real estate assets.
Standard deviation is a statistical measure of the volatility of
the fund’s returns.
Morningstar Style Box™
The Morningstar Style Box reveals a fund’s investment
strategy. For equity funds and fixed-income funds
respectively, the vertical axis shows the market
capitalization of the stocks owned or the average credit
quality of the bonds owned. The horizontal axis shows
investment style (value, blend, or growth) or interest rate
sensitivity as measured by a bond’s duration (short,
intermediate or long). Duration is a measure of interest-rate
sensitivity-the longer a fund’s duration, the more sensitive
the fund is to shifts in interest rates.
Investment Risk
Foreign Securities Funds/Emerging Markets Funds: Funds
that invest in foreign securities involve special additional
risks. These risks include, but are not limited to, currency
risk, political risk, and risk associated with varying
accounting standards. Investing in emerging markets may
accentuate these risks.
Sector Funds: Funds that invest exclusively in one sector or
industry involve additional risks. The lack of industry
diversification subjects the investor to increased
industry-specific risks.
Non-Diversified Funds: Funds that invest more of their assets
in a single issuer involve additional risks, including share
price fluctuations, because of the increased concentration of
investments.
Small Cap Funds: Funds that invest in stocks of small
companies involve additional risks. Smaller companies
typically have a higher risk of failure, and are not as well
established as larger blue-chip companies. Historically,
smaller-company stocks have experienced a greater degree
of market volatility than the overall market average.
Mid Cap Funds: Funds that invest in companies with market
capitalizations below $10 billion involve additional risks. The
securities of these companies may be more volatile and less
liquid than the securities of larger companies.
High-Yield Bond Funds: Funds that invest in lower-rated debt
securities (commonly referred to as junk bonds) involve
additional risks because of the lower credit quality of the
©2009 Morningstar, Inc., Morningstar Investment Profiles™ 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers;
(2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising
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Plan sponsors and participants should carefully
consider the investment objectives, risks, charges
and expenses of the investment options offered
under the retirement plan before investing. The
prospectuses for the individual mutual funds
and each available investment option in the
group annuity contain this and other important
information. Prospectuses may be obtained by
calling 877.805.1127. Please read the prospectus
carefully before investing. Investments are subject
to market risk and fluctuate in value.
The Standard is the marketing name for StanCorp Financial Group, Inc. and its
subsidiaries. StanCorp Equities, Inc., member FINRA, distributes group annuity
contracts issued by Standard Insurance Company and may provide other
brokerage services. Third-party administrative services are provided by Standard
Retirement Services, Inc. Investment advisory services are provided by StanCorp
Investment Advisers, Inc., a registered investment advisor. StanCorp Equities,
Inc., Standard Insurance Company, Standard Retirement Services, Inc., and
StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group,
Inc. and all are Oregon corporations.
Retirement Account
Information and
Management Tools
Messiah College
One College Avenue
Suite 3015
Mechanicsburg, PA 17055
PHONE
800.858.5420
between 5 a.m. and 5 p.m. Pacific time, 8 a.m and 8 p.m. Eastern
WEBSITE
www.standard.com/retirement
Standard Retirement Services, Inc.
1100 SW Sixth Avenue
Portland, OR 97204
800.858.5420
www.standard.com/retirement
807945 (08/07/2013)
NMC-ENG-REENR
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