TARGET DATE PORTFOLIO OVERVIEW 4TH QUARTER 2018
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1 TARGET DATE PORTFOLIO OVERVIEW 4TH QUARTER 2018 As a participant in the Cone Health System retirement plans, you have the opportunity to choose how your contributions are invested. Veratis Advisors, Inc. serves as an independent investment consultant for Cone Health, and our firm has designed Target Date Portfolios to assist you with asset allocation decisions. What are Target Date Portfolios Through a single investment choice, the Target Date Portfolios offered in the investment line-up help you select and maintain an asset allocation that is appropriate for your goals, time horizon and risk tolerance. Each of these portfolios automatically follows a glide path, which slowly and systematically reduces its exposure to more aggressive, growth oriented investments such as stocks, and increases its exposure to less aggressive, income producing bond and stable value investments. This is important because the window of time for recovering losses steadily declines as you age, and liquidating investments to generate income after they have suffered losses can greatly increase your risk of running out of money in retirement. Each portfolio has a target date in its name and the position of the portfolio on the glide path is determined by the number of years between the current year and the target date. A portfolio with a date that is farther in the future will be farther out on the glide path, and thus will have a higher stock allocation. Portfolios in the transition phase (the period when stock exposure is being reduced) with dates closer to the current year will have a lower stock allocation. How to Select a Portfolio Keep in mind that all investments involve risk. Investment values will fluctuate and there is no assurance that the objective of any fund will be achieved including the loss of principal. The principal value of an investment in a target date portfolio is not guaranteed at any time including at or after the target maturity date. The target date is the approximate date when investors plan to start withdrawing their money. Select a date - If you have determined that a Target Date Portfolio will meet your goals and objectives, you should start by selecting the appropriate target date. The portfolios are offered in five-year increments to ensure that a date close to your target withdrawal date is available. For illustration purposes, an investor who plans to start taking withdrawals in the year 2039 might choose a 2040 Target Date Portfolio. However, for an investor with a 2037 withdrawal target that is clearly between the 2035 and 2040 portfolios, the portfolio with the date closer to today is a more conservative choice. Conversely, the portfolio with the date farther from today s date is a more aggressive choice. With this said, portfolios that are yet to enter the transition phase will maintain the same allocation, but again a portfolio with a date closer to today will ultimately be a more conservative choice since it will enter the transition phase earlier. For example, the 2050 and the 2055 portfolios are the same for each glide path, but the 2050 portfolio is a more conservative choice since it will enter the transition phase five years earlier than the 2055 portfolio. Select a glide path - Once you have selected the appropriate target date based on your time horizon, you should select the glide path that best matches your objectives and risk tolerance. The Target Date Portfolios are categorized by risk, and three glide paths are provided for conservative, moderate and aggressive investors. The conservative glide path may result in lower long-term returns than the moderate and aggressive glide paths. Therefore, those who choose the conservative glide path may wish to make additional contributions to compensate for potentially lower returns. Due to a prolonged period of higher stock allocations, the aggressive glide path is designed only for investors who can tolerate high volatility and want to take additional risk to increase return potential. These glide paths will not necessarily meet the unique needs of all investors; therefore, it is important to review the allocations to help ensure they are prudent given your objectives and financial position. Once a Target Date Portfolio reaches its target withdrawal year, it automatically converts to the Retirement Portfolio for the glide path chosen. The Retirement Portfolio is rebalanced annually, but its allocation is static, meaning the stock, bond and stable value exposure no longer adjusts annually to reduce risk. Therefore, it is important to determine if the allocation meets your retirement objectives. If you would like assistance, contact Jan Walker (Alamance) , David Dupont (Cone) , or Kevin Hanner (Wesley Long) Important Information The Target Date Portfolios are investment options in the plans and do not represent formal recommendations. Your asset allocation should reflect your personal goals and investment preferences. The portfolios are rebalanced annually. Actual results may vary. The performance data quoted represents past performance and it does not guarantee future results. Investment returns and principal values will fluctuate, so an investor s shares, when redeemed, may be worth more or less than their original cost. Current performance may be higher or lower than the performance stated due to recent market volatility. Please visit for recent monthend performance. Income taxes are payable upon withdrawal. Federal restrictions and a 10% federal early withdrawal penalty may apply if taken before age 59½. Please see your specific retirement plan for restrictions. For more information on total fees, contact Human Resources or your VALIC onsite advisor. If at any time you determine that the portfolio you have selected no longer meets your objectives, you understand there are other investment options in the plan to choose from and you can make a change. On the following pages we provide additional details and illustrations for each set of Target Date Portfolios. Prepared by Veratis Advisors, Inc.
2 C T D P The conservative glide path is appropriate for those seeking more of a balance between short-term account preservation and long-term growth potential. As illustrated on this page, the allocation for younger investors prior to the transition phase is 75% stock and 25% bond. The first transition, or stock sell, begins 29 years from the target date, and the allocation to stocks is reduced by no more than 2% in any given year. At the target date, the allocation is 25% stock, 50% bond and 25% stable value. investment in foreign stock mutual funds is less in this glide path than it is in the moderate and aggressive glide paths. Generally, the conservative glide path should have less risk than the moderate and aggressive glide paths, but it may also provide lower long-term returns. Therefore, in order to meet retirement goals, those who choose the conservative glide path may need to make additional contributions to compensate for potentially lower returns Con 2055 Con 2050 Con 2045 Con 2040 Con 2035 Con 2030 Con 2025 Con 2020 Con Retirement Con = = = Total % Total % Total % 2060 Conservative 75% 25% 0% 11% 7% 11% 3% 11% 7% 7% 7% 7% 2% 2% 0% 19% 6% 0% 2055 Conservative 75% 25% 0% 11% 7% 11% 3% 11% 7% 7% 7% 7% 2% 2% 0% 19% 6% 0% 2050 Conservative 75% 25% 0% 11% 7% 11% 3% 11% 7% 7% 7% 7% 2% 2% 0% 19% 6% 0% 2045 Conservative 72% 28% 0% 10% 7% 10% 3% 11% 6% 7% 7% 7% 2% 2% 0% 21% 7% 0% 2040 Conservative 67% 33% 0% 9% 6% 10% 3% 10% 6% 7% 6% 7% 1% 2% 0% 25% 8% 0% 2035 Conservative 59% 38% 3% 8% 6% 8% 3% 9% 5% 6% 5% 6% 1% 2% 0% 29% 9% 3% 2030 Conservative 49% 43% 8% 7% 5% 7% 2% 7% 4% 5% 5% 5% 1% 1% 0% 32% 11% 8% 2025 Conservative 39% 48% 13% 5% 4% 5% 2% 6% 3% 4% 4% 4% 1% 1% 0% 36% 12% 13% 2020 Conservative 29% 50% 21% 4% 3% 4% 1% 5% 2% 3% 3% 3% 0% 1% 0% 38% 12% 21% Conservative Retirement 25% 50% 25% 3% 2% 4% 1% 4% 2% 3% 2% 3% 0% 1% 0% 38% 12% 25% Dodge & Cox Growth 2060 Conservative 0.55 $ Conservative 0.55 $ Conservative 0.55 $ Conservative 0.55 $ Conservative 0.56 $ Conservative Conservative Unable to calculate due to the Conservative lack of a stated expense ratio for Fixed-Interest Option, the Conservative stable value fund Conservative Retirement
3 M T D P The moderate glide path is appropriate for those whose primary objective is growth, with a secondary objective of some reduction in volatility. As illustrated on this page, the allocation for younger investors prior to the transition period is 95% stock and 5% bond. The first transition, or stock sell, begins 29 years from the target date, and the allocation to stocks is reduced by no more than 3% in any given year. At the target date, the allocation is 40% stock, 40% bond and 20% stable value. investment in foreign stock mutual funds is greater in this glide path than it is in the conservative and less than it is in the aggressive glide path. Generally, the moderate glide path should have less risk than the aggressive glide path, but it may also provide lower long-term returns. With this said, the risk profile of the moderate glide path is closer to the aggressive glide path than it is to the conservative glide path Mod 2055 Mod 2050 Mod 2045 Mod 2040 Mod 2035 Mod 2030 Mod 2025 Mod 2020 Mod Retirement Mod 3% = = = Total % Total % Total % 2060 Moderate 95% 5% 0% 14% 0% 13% 8% 14% 8% 8% 8% 8% 5% 5% 4% 4% 1% 0% 2055 Moderate 95% 5% 0% 14% 0% 13% 8% 14% 8% 8% 8% 8% 5% 5% 4% 4% 1% 0% 2050 Moderate 95% 5% 0% 14% 0% 13% 8% 14% 8% 8% 8% 8% 5% 5% 4% 4% 1% 0% 2045 Moderate 92% 8% 0% 13% 0% 13% 8% 13% 7% 8% 8% 8% 5% 5% 4% 6% 2% 0% 2040 Moderate 87% 13% 0% 12% 0% 12% 7% 13% 7% 8% 7% 8% 4% 5% 4% 10% 3% 0% 2035 Moderate 79% 21% 0% 11% 0% 11% 7% 11% 6% 7% 7% 7% 4% 4% 4% 16% 5% 0% 2030 Moderate 69% 28% 3% 10% 0% 9% 6% 10% 6% 6% 6% 6% 3% 4% 3% 21% 7% 3% 2025 Moderate 59% 33% 8% 8% 0% 8% 5% 9% 5% 5% 5% 5% 3% 3% 3% 25% 8% 8% 2020 Moderate 46% 38% 16% 6% 0% 6% 4% 7% 4% 4% 4% 4% 2% 3% 2% 29% 9% 16% Moderate Retirement 40% 40% 20% 5% 0% 6% 3% 6% 3% 4% 3% 4% 2% 2% 2% 30% 10% 20% Dodge & Cox Growth Moderate 0.67 $ Moderate 0.67 $ Moderate 0.67 $ Moderate 0.67 $ Moderate 0.67 $ Moderate 0.65 $ Moderate Moderate Unable to calculate due to the lack of a stated expense ratio Moderate for Fixed-Interest Option, the stable value fund Moderate Retirement
4 A T D P The aggressive glide path is appropriate for those whose primary objective is growth. As illustrated on this page, the allocation for younger investors prior to the transition period is 100% stock. The first transition, or stock sell, begins 24 years from the target date and the allocation to stocks is reduced by no more than 3% in any given year. Note that the stock transition begins five years later than the conservative or moderate glide paths, which is one of the factors that makes this glide path more aggressive. At the target date, the allocation is 50% stock, 40% bond and 10% stable value. investment in foreign stock mutual funds is greater in this glide path than it is in the conservative and moderate glide paths. Generally, the aggressive glide path has more risk than the conservative and moderate glide paths, but it may also provide higher longterm returns Aggr 2055 Aggr 2050 Aggr 2045 Aggr 2040 Aggr 2035 Aggr 2030 Aggr 2025 Aggr 2020 Aggr Retirement Aggr 3% = = = Total % Total % Total % 2060 Aggressive 100% 0% 0% 12% 0% 11% 11% 11% 8% 7% 8% 7% 8% 7% 10% 0% 0% 0% 2055 Aggressive 100% 0% 0% 12% 0% 11% 11% 11% 8% 7% 8% 7% 8% 7% 10% 0% 0% 0% 2050 Aggressive 100% 0% 0% 12% 0% 11% 11% 11% 8% 7% 8% 7% 8% 7% 10% 0% 0% 0% 2045 Aggressive 100% 0% 0% 12% 0% 11% 11% 11% 8% 7% 8% 7% 8% 7% 10% 0% 0% 0% 2040 Aggressive 97% 3% 0% 11% 0% 11% 11% 11% 7% 7% 8% 7% 7% 7% 10% 2% 1% 0% 2035 Aggressive 92% 8% 0% 11% 0% 10% 10% 10% 7% 7% 7% 7% 7% 7% 9% 6% 2% 0% 2030 Aggressive 84% 16% 0% 10% 0% 9% 10% 9% 6% 6% 7% 6% 7% 6% 8% 12% 4% 0% 2025 Aggressive 71% 26% 3% 8% 0% 8% 8% 8% 5% 5% 6% 5% 6% 5% 7% 20% 6% 3% 2020 Aggressive 56% 36% 8% 7% 0% 6% 6% 6% 4% 4% 5% 4% 4% 4% 6% 27% 9% 8% Aggressive Retirement 50% 40% 10% 6% 0% 6% 6% 5% 4% 3% 4% 4% 4% 3% 5% 30% 10% 10% Dodge & Cox Growth Aggressive 0.74 $ Aggressive 0.74 $ Aggressive 0.74 $ Aggressive 0.74 $ Aggressive 0.74 $ Aggressive 0.73 $ Aggressive 0.70 $ Aggressive Unable to calculate due to the lack Aggressive of a stated expense ratio for Fixed Interest Option, the stable value fund. Aggressive Retirement
5 C H S F P S Mutual Fund Expense and Performance Information (as of 12/31/2018) Fund Name Ticker Category Gross Expense Ratio Quarter YTD 1-Year 3-Year 5-Year 10-Year / Since Inception* FCNTX Large Growth VINIX Large Blend American Funds Fundamental Investor R6 RFNGX Large Blend * OAKMX Large Blend Dodge & Cox DODGX Large Value Ivy Mid Cap Growth N IGRFX Mid Growth * FLMVX Mid Value Growth VSGIX Small Growth RTRIX Small Value American Funds Europacific RERGX Foreign Large Growth * TBGVX Foreign Large Value nvestor OAKEX Foreign Small/Mid Blend PTTRX Intermediate-Term DODIX Intermediate-Term VALIC Fixed Interest Option FB125 NA *Reflects since inception returns as of 5/, 7/2014, 5/ in table order of funds listed respectively. Footnotes: 1. Actual stock, bond and stable value exposure may vary from that illustrated in the glide paths due to the use of mutual funds where the fund managers may adjust their exposure to each asset class. Actual results may vary. 2. Performance calculations are based on a hypothetical investment at the beginning of the evaluation period using the plan s investment options with no contributions after the initial investment. For calculation purposes, it is assumed that rebalancing and/or reallocation (depending on whether the portfolio is in the transition phase) occurred on June 30 of each year. The actual date may not be on June 30, but should be a day very close to June 30 - meaning actual results may have been different. 3. Weighted average is determined by multiplying the expense ratio of each fund by its target allocation in the portfolio. This average does not include other plan expenses and is not offset by fund revenue sharing. The is the yearly fee paid for each Invested in the Portfolio. For more information on total fees, contact Human Resources or your VALIC onsite advisor. 4. Policy Form GFUA-398, a group fixed unallocated annuity, issued by The Variable Annuity Life Insurance Company. VALIC declares a portfolio interest rate monthly for the Fixed-Interest Option. That declared portfolio interest rate is guaranteed until the end of that month and is credited to all new and old deposits as well as credited interest. The contractual lifetime minimum guaranteed interest rate is 1.00%; however, VALIC guarantees - for calendar year a minimum portfolio interest rate of 3.00%. All interest is compounded daily at the declared annual effective rate. VALIC s interestcrediting policy is subject to change, but any changes will not reduce the current rate below the contractually guaranteed minimum or money already credited to the account. All guarantees are backed by the claims-paying ability of VALIC. Securities and investment advisory services offered through VALIC Financial Advisors, Inc. ( VFA ), member FINRA, SIPC and an SEC-registered investment advisor. VFA registered representatives offer securities and other products under retirement plans and IRAs and to clients of such outside arrangements. Mutual funds are classified according to Morningstar. Generally, higher potential returns involve greater risk and short-term volatility. For example, small -cap, mid-cap, sector and emerging funds can experience significant price fluctuation due to business risks and adverse political developments. International (global) and foreign funds can experience price fluctuation due to changing market conditions, currency values, and economic and political climates. funds that invest in bonds with lower credit ratings typically experience greater price fluctuations and risk of loss of principal than when investing directly in U.S. government securities (such as U.S. Treasury bonds and bills), which are guaranteed by the government for repayment of principal and interest if held to maturity. Interest rates and bond prices typically move inversely to each other; therefore, as with any bond fund, the value of an investment in this fund may go up if interest rates fall, and vice versa. Underlying mortgage-backed securities of some bond funds may be more likely to be prepaid during periods of declining interest rates, which could hurt the fund's share price or yield and may be prepaid more slowly during periods of rapidly rising interest rates, which might lengthen the fund's expected maturity. Investors should carefully assess the risks associated with an investment in the fund. Mutual fund shares are not insured and are not backed by the U.S. government, and their value and yield will vary with market conditions. Data Source: Morningstar, VALIC; December 31, Copyright 2018 Veratis Advisors, Inc. All rights reserved. This material may not be copied, reproduced or distributed without the express written consent of Veratis Advisors, Inc. 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