Investment Options. Selecting the Right Retirement Plan Investments

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1 Investment Options Selecting the Right Retirement Plan Investments

2 Comprehensive Fund Selection Designed for Retirement Savings The investment options available in our retirement products are carefully screened and monitored by our dedicated Investment Manager Oversight Committee (IMOC) and cover a wide range of asset classes and styles. With the help of Callan LLC, a third-party analyst and one of the largest independently owned investment consulting firms in the U.S., the IMOC evaluates more than 20,000 funds to determine the best options for our lineup. Once investments are selected, the IMOC constantly assesses their fund characteristics and performance and proactively replaces funds, or adds new funds, to maintain investment diversity and integrity. This comprehensive process includes: Unbiased, disciplined investment manager search and selection Development of asset allocation models Preparation of investment policies and guidelines Ongoing performance monitoring and evaluation Our IMOC approach provides three key components of a sound fiduciary program consistency, compliance, and an early warning system for any needed modifications. Search and Selection Process with Callan LLC Ongoing Monitoring and Evaluation To see portfolio choices and detailed fund allocations, please visit GetRetirementRight.com/investments. 2

3 Select the Right Default Investment for Your Employees When it comes to Qualified Default Investment Alternatives (QDIAs), one size does not fit all. Plan sponsors need to consider the options and choose a QDIA that s well suited for their employees. While some employee populations simply want investment decisions made for them, others may understand investing for retirement and want more control of their account. For this reason, we offer five carefully selected QDIA options three target date funds and two individually managed accounts. Target date funds generally don t require a high level of participant engagement and have investment allocations based on their estimated years to retirement. They provide investors automatic diversification across asset classes and investment styles. Target date funds also automatically provide more conservative investment allocations as participants age. On the other hand, individually managed accounts can be customized to each participant based on years to retirement and their specific risk tolerance. They can also take into consideration investments a participant has outside the company s retirement plan. Due to this tailored approach, individually managed accounts may be better suited for more engaged participants or a more diverse workforce (e.g., age bands, income levels, financial aptitude, etc.). For many employees, a company s retirement plan plays a large role in saving for their future. Therefore, the default investment option a plan sponsor selects is important. It can be a big driver behind building and managing assets to, and through, retirement. Lower Higher Lower Vanguard Target Retirement American Funds Target Date Retirement Series Morningstar Retirement Manager SM GlidePath Retirement SM Stadion StoryLine Higher Target Date Funds Individually Managed Accounts The following page provides more detailed information about each QDIA option. 3

4 QDIA Options The chart below provides a snapshot of five carefully selected QDIAs with varying investment approaches allowing plan sponsors to select one that best suits their needs. LOWER HIGHER Vanguard Target Retirement Lowest cost of the QDIA options on the platform. Single manager target date approach. Managed to retirement based on approximate year employee will retire. Fund converts to income fund seven years after target date. All-index fund approach. American Funds Target Date Retirement Series Single manager target date approach. Emphasis on equities that pay dividends to better balance market and longevity risks. Funds are managed for 30 years after the target date due to increasing longevity. Based on proximity to target date, seeks varying degrees of growth, income and conservation of capital. Morningstar Retirement Manager SM GlidePath Retirement SM Online managed accounts service providing professionally managed portfolios tailored to each employee. Multi-manager target date approach. Funds managed through retirement on a glidepath for 20 years after target date. Gives personalized saving rates and retirement age advice to help employees reach retirement goals. Available as an add-on or standalone QDIA. Utilizes both active management and index funds as well as non-traditional investments. Stadion StoryLine Personalized portfolio based on risk tolerance and retirement goals. Offers multiple glidepaths designed to span the target date fund industry. Tailored portfolio allocations and glidepaths. Customized for each organization. Utilizes Exchange Traded Funds (ETFs). StoryLine placement reflects the default glidepath. Higher equity exposure options are available LOWER HIGHER Target Date Funds Individually Managed Accounts EQUITY: Defined as equity/stock exposure at the target retirement date. Higher equity may be appropriate for those who prioritize asset growth in retirement. Lower equity may be appropriate for those who prioritize asset stability in retirement. COST: The level of sophistication associated with the strategy impacts the cost. Lower cost options may be appropriate for those comfortable with market returns on allocations to major asset classes. Higher cost options may be appropriate for those comfortable with investments that are actively managed across a potentially wider array of asset classes. 4

5 Target Date Funds American Funds Target Date Retirement Series American Funds Target Date Retirement Series is designed to build and preserve wealth using a thoughtful glide path, strong underlying funds and a commitment to low costs. The series has a glide path within a glide path that adjusts the mix of bonds and dividend-paying equities over time to generate return and manage market and longevity risk. American Funds investment professionals continue managing each fund for an additional 30 years after the target retirement date. These funds are designed for investors who intend to retire within five years of the target year in the fund name. The funds increasingly emphasize income and conservation of capital by investing a greater portion of assets in bond, equity-income and balanced funds as investors approach and pass the target date.. 100% 80% 60% 40% 20% 0% Years Until Target Retirement Date Years After Target Retirement Date Growth Growth and Income Equity Income/Balanced Fixed Income This chart illustrates the investment approach of the fund by showing how its investment in the various fund categories will change over time. The allocations shown reflect the fund s target allocations as of January 1, The investment advisor anticipates that the fund will invest its assets within a range that deviates no more than 10% above or below the investment approach set forth above. For example, 40% target allocation to growth funds is not expected to be greater than 50% nor less than 30%. The investment advisor will continuously monitor the fund and may make modifications to either the investment approach or the underlying fund allocations that the investment advisor believes could benefit shareholders. The return of principal for the underlying funds is not guaranteed nor do the funds allocation strategies guarantee that an investor s retirement goals will be met. A target date fund should not be invested in based solely on age or retirement date. Unit price, principal value and return will vary and an investor may have a gain or loss when units are sold. 5

6 Target Date Funds GlidePath Retirement SM GlidePath Retirement portfolios consist of collective investment trusts issued by Wilmington Trust, N.A. and managed by Callan LLC, a registered investment advisor. They are designed for investors who intend to retire within five years of the target date in the fund name. The portfolios continue to be managed on an investment glide path for approximately 20 years beyond the target retirement date. The GlidePath Retirement series offer higher equity exposure at the target retirement date than some to retirement time-based portfolios. Callan s focus is to bring institutional best practices, including broad diversification and competitive fees, to the individual retirement accounts of plan participants. The GlidePath Retirement target date funds, using an openarchitecture platform, consist of 12 funds featuring a diverse roster of investment managers. They utilize a blend of active and passive strategies, institutional expense ratios and a variety of asset classes, including direct real estate, stable value and senior bank loans. 100% 80% 60% 40% 20% 0% Years Until Target Retirement Date Years After Target Retirement Date Fixed Income Real Estate The year in the target date fund name refers to the approximate year when an investor in the fund would retire. The funds gradually shift emphasis from more aggressive to more conservative investments based on the target date. The retirement strategy of the GlidePath Retirement Funds is designed to help protect against longevity risk with underlying investment allocations continuing to adjust along a glide path for approximately 20 years beyond the target date. The return of principal for the underlying funds is not guaranteed nor do the funds allocation strategies guarantee that an investor s retirement goals will be met. A target date fund should not be invested in based solely on age or retirement date. Unit price, principal value and return will vary and an investor may have a gain or loss when units are sold. 6

7 Target Date Funds Vanguard Target Retirement Funds Vanguard Target Retirement Funds are time-based investments that become more conservative as the target retirement date nears. These funds are designed for investors who intend to retire within five years of the target date listed in the fund name and offer lower equity exposure at the target retirement date than other through retirement time-based portfolios. The portfolio allocation resembles that of Vanguard Target Retirement Income Fund approximately seven years after the target retirement date, which is designed for investors already in retirement. After this time, allocations remain in the Target Retirement Income Fund. Vanguard s target date funds are constructed based on investment best practices, including the principles of asset allocation, diversification, transparency and a balance among risk, return and cost. Each fund invests in varying degrees of up to five Vanguard broad-index funds to provide access to thousands of U.S. and international stocks and bonds, including major market sectors. 100% 80% 60% 40% 20% 0% Years Until Target Retirement Date Years After Target Retirement Date Fixed Income *Vanguard is a trademark of The Vanguard Group, Inc. The year in the target date fund name refers to the approximate year when an investor in the fund would retire. The funds gradually shift emphasis from more aggressive to more conservative investments based on the target date. Vanguard Retirement Funds glide path convert to the Vanguard Target Retirement Income Fund, with a static asset allocation, following the seventh year of the named target date. The return of principal for the underlying funds is not guaranteed nor do the funds allocation strategies guarantee that an investor s retirement goals will be met. A target date fund should not be invested in based solely on age or retirement date. Unit price, principal value and return will vary and an investor may have a gain or loss when units are sold. 7

8 Individually Managed Accounts Morningstar Retirement Manager SM About Morningstar Retirement Manager SM Saving for retirement can come with both risks and rewards. Employers want assistance meeting their fiduciary responsibilities, while employees may need help with investment selection to meet their retirement saving goals. Morningstar Retirement Manager SM offers investment advisory services designed to address these needs. Consideration Given to Multiple Data Points Age Salary Account Balance Features include: Two Investment Management Approaches: Depending on the employees level of investing knowledge, Morningstar Retirement Manager SM offers two distinct service options to manage their retirement account. Regardless of the approach chosen, employees receive personalized recommendations for retirement goal targets, saving rates, portfolio asset allocation and, for managed accounts, investment selection. 1. Managed by Morningstar* provides a personalized portfolio, investment oversight and ongoing maintenance based on a participant s age, risk tolerance, goals and outside-the-plan assets. The portfolio is reviewed quarterly and may be rebalanced and reallocated as needed as the participant nears retirement. 2. Managed by You is intended for employees who prefer to manage their own accounts but want research and information to make educated decisions. For them, this service offers a comprehensive set of resources, recommendations and educational tools to help make informed decisions. Gender Social Security Impact Where You Live Savings Rate Sponsor Match Design Pension & Other Plans About Morningstar Investment Management, LLC Morningstar Investment Managment, a premier provider of investment advisory services for the retirement plan industry, is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., a company known for its independence and investor focus. Fiduciary Protection for Employers: Only certain investment options are eligible to be a QDIA. Morningstar Retirement Manager meets these criteria and can help assure that employers the default investment for their plan satisfies ERISA requirements. *Participant will be charged a fee if electing this service. See back cover for important Morningstar disclosures. 8

9 Individually Managed Accounts StoryLine Managed Accounts by Stadion About StoryLine StoryLine is a managed account solution from Stadion designed with portfolio allocations and glide paths that can be tailored at the company level and further refined for each individual employee. The strategies are implemented utilizing cost-efficient Exchange Traded Funds (ETFs) with built-in tools to deepen participant engagement. Features include: Fiduciary Protection for Employers: Only certain investment options are eligible to be a QDIA. Stadion StoryLine meets these criteria and helps assure employers the default investment for their plan satisfies ERISA requirements. Stadion Warranty: Stadion acts as a 3(38) investment manager with discretionary control over participant accounts and provides a QDIA warranty to indemnify plan sponsors if the plan fails to meet certain criteria. 1 Investment Strategies with Flex-ability : 2 Many targetdate funds have just one, fixed glide path. StoryLine offers a range of paths to align with individual retirement goals and risk tolerance. Participants can choose the default path or complete a brief online questionnaire for a more personalized investment path. The Flex portion of each portfolio also includes a proprietary model to measure risk in the market and adapt to change. In a low-risk environment, Stadion can move into more equities to pursue market gains. For high-risk environments, they can invest in more conservative options to attempt reducing losses. 3 About Stadion Stadion Money Management, LLC is an independent registered investment advisory firm. For more than two decades, Stadion s proprietary process has focused on minimizing risk to provide downside protection for participants. Learn more at stadionmoney.com. Footnotes: 1 Not available on all plans. 2 Allocation percentages shown are hypothetical and may vary based on market conditions and/or specifics of a company s plan. Past performance does not guarantee future results. Investments are subject to risk and may lose value. 3 Asset allocation and rebalancing does not ensure a profit nor protect against loss in a declining market. 9

10 Risk-Based Portfolios Directions 1 5 Managed by multiple managers Long-term strategic allocations with automatic rebalancing Utilizes both active management and index funds Directions 1 Conservative Seeks to provide stability of income, with some exposure to stocks for capital appreciation, while attempting to minimize overall risk over the long-term. Fixed Income 80% 20% 20% : 20% Large Cap 80% Fixed Income: 50% Stable Value, 10% Intermediate Term Bonds, 20% TIPS Directions 2 Moderately Conservative Seeks to provide income, in combination with the potential for some growth of capital over the long-term. Fixed Income 65% 35% 35% : 20% Large Cap, 10% International, 5% Small Cap 65% Fixed Income: 50% Intermediate Term Bonds, 15% TIPS Directions 3 Moderate Seeks to provide capital appreciation and income over the long-term, by investing in five stock funds and a bond fund. 60% 40% Fixed Income 60% : 30% Large Cap, 15% International, 10% Small Cap, 5% Emerging Markets 40% Fixed Income: 35% Intermediate Term Bonds, 5% TIPS Directions 4 Moderately Aggressive Seeks to provide long-term capital appreciation with some opportunity for income. 80% 20% Fixed Income 80% : 35% Large Cap, 25% International, 10% Small Cap, 10% Emerging Markets 20% Fixed Income: 15% Intermediate Term Bonds, 5% TIPS Directions 5 Aggressive Seeks to provide maximum capital appreciation over the long-term. 100% 100% : 35% Large Cap, 30% International, 20% Small Cap, 15% Emerging Markets 10

11 Risk-Based Portfolios T. Rowe Price Personal Strategy Managed by T. Rowe Price using primarily individual securities Rebalanced by T. Rowe Price, within defined ranges, based on the economic outlook, interest rates and financial markets Actively managed T. Rowe Price Personal Strategy Income Fund Seeks the highest return over time, consistent with a primary emphasis on income and a secondary emphasis on capital growth. Fixed Income 60% 40% 40% : Global equity exposure including Large Cap, Mid Cap, Small Cap and International 60% Fixed Income: Global bond and money market portfolio with some exposure to high yield and international T. Rowe Price Personal Strategy Balanced Fund Seeks the highest total return over time, consistent with an emphasis on both capital growth and income. Fixed Income 40% 60% 60% : Global equity exposure including Large Cap, Mid Cap, Small Cap and International 40% Fixed Income: Global bond and money market portfolio with some exposure to high yield and international T. Rowe Price Personal Strategy Growth Fund Seeks the highest total return over time, consistent with an emphasis on capital growth and a secondary emphasis on income. 80% 20% Fixed Income 80% : Global equity exposure including Large Cap, Mid Cap, Small Cap and International 20% Fixed Income: Global bond and money market portfolio with some exposure to high yield and international The performance of the risk-based portfolios is dependent on the performance of their underlying funds, and will assume the risks associated with these funds. The risks will vary according to each portfolio s asset allocation, and the risk level assigned to each portfolio is intended to reflect the relative short-term price volatility among the funds in each. Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results. Diversification does not ensure a profit or protect against loss in a declining market. 11

12 Individual Investment Options Guaranteed Account Safety and liquidity of funds with the Guaranteed Account The Guaranteed Account (GA) seeks to provide safety of principal and guaranteed rates of interest. The fund has an insurance company guarantee, designed to provide participants an investment option that guarantees interest and the preservation of principal, backed by the strength of United of Omaha Life Insurance Company's general account assets (in NY, Companion Life Insurance Company). Features of the Guaranteed Account The GA has no fluctuation of principal and offers daily liquidity to withdraw or transfer funds Each month a new interest rate is declared for all contributions directed to the plan s Guaranteed Account during that month The GA is a plan-level account, with each deposit receiving the monthly declared rate that stays in effect for five years on that month's deposit. A participant investing in the GA receives a blended rate of all the deposits in that plan s GA To help protect the GA and its investors from market timing, investors who redeem,* transfer or exchange any amount out of the GA must wait 60 calendar days to transfer any money back into the account There are no market value adjustments for participantdirected withdrawals from the GA. Under certain circumstances, however, a market-value adjustment may apply to employer-directed withdrawals See important Guaranteed Account and Lifetime Guaranteed Income Account disclosures on the back cover in the third and fourth paragraphs. * Consequences of withdrawal may be significant and can have long-term effects on retirement income. Once depleted, funds may be difficult to replace and you forgo potential growth of those dollars. In the year of withdrawal, ordinary income taxes will be due and, if younger than 59 1/2, will be subject to a 10 percent early withdrawal charge. 12

13 Individual Investment Options Lifetime Guaranteed Income Account (LGIA) The LGIA allows employees to build retirement income they can t outlive. Many people are concerned about outliving their assets in retirement or not being able to maintain their lifestyle. With declining utilization of traditional pension plans, many employees are left without guaranteed income at retirement and need a way to convert assets into a lifetime of monthly income. The LGIA can help. It s a retirement plan option that converts employee contributions into guaranteed retirement income, just like a traditional pension plan: The LGIA is designed to reduce three common pitfalls of retirement savings plans: Longevity risk the possibility of employees outliving their savings Market volatility risk changes to account balance due to market fluctuations Sequence of returns risk negative returns early in retirement impacting how long savings will last Income Purchased at Various Ages Age Contribution Annual Retirement Income Purchased* 25 $5, $1, $5, $ $5, $ $5, $ $5, $ *Annual income starting at age 65 and continuing for as long as you live, or at least 20 years. Example for illustrative purposes only. Amount of income shown based on a one-time $5,000 contribution at age listed and purchase rates as of 12/31/18. Features of the LGIA Contributions build guaranteed retirement income Liquidity account balances can be transferred to other plan options 1 At retirement, choice of account balance or guaranteed income for life Quarterly statements and online access to account information Rollover options for terminated employees or those leaving the plan 2 For employers, a pension-like benefit without pensionlike risk or resource commitment 1 Certain restrictions apply to transfers. For funds moved to another investment, employees will lose the guaranteed income feature. Direct transfers between the Guaranteed Account and LGIA are prohibited. Transfers from the LGIA reduce retirement income benefits. 2 Rollover options not available in all states and specific features may vary. 13

14 Individual Investment Options Fixed Income/Bonds Intermediate Term High Yield Inflation Protected BlackRock Total Return Fund Bond Index Fund (SSGA) Metropolitan West Total Return Bond Fund BlackRock High Yield Bond Portfolio TIPS Index Fund (SSGA) Global Templeton Global Total Return Fund Domestic Stock Funds Large Value Large Blend Large Growth JP Morgan Equity Income Fund LSV Value Equity Fund MFS Value Fund Value Stock Index Fund (SSGA) Vanguard Equity Income Fund Vanguard Windsor II Fund Stock Market Index Fund (SSGA) Vanguard FTSE Social Index Fund Franklin Growth Fund Growth Stock Index Fund (SSGA) Harbor Capital Appreciation Fund JP Morgan Large Cap Growth Fund MFS Growth Fund T. Rowe Price Growth Stock Portfolio Vanguard U.S. Growth Fund Mid Value Mid Blend Mid Growth American Century Mid Cap Value Fund MFS Mid Cap Value Fund Vanguard Mid-Cap Value Index Fund John Hancock Disciplined Value Mid Cap Fund Lord Abbett Value Opportunities Fund Mid Cap Stock Index Fund (SSGA) Carillon Eagle Mid Cap Growth Fund MFS Mid Cap Growth Fund Vanguard Mid-Cap Growth Index Fund William Blair Small-Mid Cap Growth I Fund Small Value Small Blend Small Growth AB Discovery Value Fund Prudential QMA Small-Cap Value Fund Small Cap Value Stock Index Fund (SSGA) Goldman Sachs Small Cap Value Fund Small Cap Stock Index Fund (SSGA) Clearbridge Small Cap Growth Fund Nationwide Geneva Small Cap Growth Fund Small Cap Growth Stock Index Fund (SSGA) Small Company Fund (Wellington) 14

15 Individual Investment Options International/Global Stock Funds Foreign Large Value Foreign Large Blend Foreign Large Growth Causeway International Value Fund Hartford Schroders International Multi-Cap Value Fund Vanguard International Value Fund DFA TA World ex US Core Equity Portfolio International Developed Countries Fund International Stock Index Fund (SSGA) American Funds EuroPacific Growth Fund MFS International Growth Fund Vanguard International Growth Fund Emerging Markets Global Mid Growth Emerging Markets Index Fund (SSGA) Wells Fargo Emerging Markets Equity Fund Oppenheimer Global Fund Vanguard Global Equity Fund Specialty Real Estate Cohen & Steers Institutional Realty Shares Tactical Allocation PIMCO All Asset Fund For important disclosure information, please visit: GetRetirementRight.com/documents/principal_risk.pdf 15

16 Why Mutual of Omaha Insurance Company? We are committed to listening to our customers and helping them through life s transitions by providing an array of insurance, financial and banking products. MutualofOmaha.com Not all funds available in all plans. Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09, 903-GAQC-14, 903-GAQC-14 FL, 903-GAQC-14 MN, 903-GAQC-14 OR, 903-GAQC- 14 TX, or state equivalent) underwritten by United of Omaha Life Insurance Company for contracts issued in all states except New York. United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE is licensed nationwide except in New York. Companion Life Insurance Company, Hauppauge, NY is licensed in New York and underwrites the group variable annuity (Forms 900-GAQC-07 NY and 903-GAQC-17 NY). Each company accepts full responsibility for each of their respective contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account and the Lifetime Guaranteed Income Account as provided under the contract. All guarantees are based on the claims paying ability of the issuing company. Specific features of the Lifetime Guaranteed Income Account vary by state. Restrictions apply. The Lifetime Guaranteed Income Account is not available in Nevada or New York. Neither United of Omaha Life Insurance Company, Companion Life Insurance Company, nor their representatives or affiliates offers investment advice in connection with the contract. Lifetime Guaranteed Income Account (Rider Forms 651-GAQR-10 or 651-GAQR-10(CT) or 651-GAQR-10(OR)) may not be available in all states and specific features may vary by state. Availability may vary by plan. The Lifetime Guaranteed Income Account is not available in Nevada or New York. Mutual of Omaha Insurance Company and its affiliates are not affiliated with any other companies listed herein. Morningstar Retirment Manager SM is offered by Morningstar Investment Management LLC and is intended for citizens or legal residents of the United States or its territories. The investment advice delivered through Morningstar Retirement Manager is provided by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc. The Morningstar name and logo are registered marks of Morningstar, Inc. Investment advice generated by Morningstar Retirement Manager is based on information provided and limited to the investment options available in the defined contribution plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. Group variable annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Distributions may be subject to ordinary income tax and, if taken prior to age 59½, a 10 percent federal tax penalty may apply. Investing in a group variable annuity involves risk, including possible loss of principal. Prior to selecting investment options for the plan, plan sponsors should consider the investment objectives, risks, fees and expenses of each option carefully. For this and other important information, plan sponsors should review the fee disclosure document or the plan sponsor website. Read this information carefully. For producer and plan sponsor use only. Not to be used with any participant.

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