Investment Performance
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- Cuthbert Horn
- 6 years ago
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1 Investment Performance Investment results shown represent historical performance and do not guarantee future results. Investment returns and principal values fluctuate with changes in interest rates and other market conditions so the value, when redeemed may be worth more or less than original costs. Current performance may be lower or higher than the performance data shown. In situations where the net and gross total investment expense figures are different, the mutual fund or underlying fund in which a Separate Account invests has waived/capped a portion of its management fees through the date displayed in the Waiver Expiration Date or Cap Expiration Date column. Differences may also be shown due to the fund family choosing to pay certain expenses that would normally be payable by the fund. Returns displayed are always based on net total investment expense. For more performance information, including most recent monthend performance, visit contact your representative of the Principal Financial Group (The Principal ), or call our participant contact center at Average Annual Total Returns through Inv Manager or SubAdvisor Large U.S. Equity Large Value Edge Asset Management, Inc. Equity Income Inst Fund /01/ / 0.52 LargeCap Value Inst Fund /01/ / 0.42 Westwood / Barrow Hanley LargeCap Value III Inst Fund /06/ / 0.77 Russell 1000 Value Index Morningstar Category Average Large Value Total Funds in Category Large Blend Edge Asset Management, Inc. Capital Appreciation Inst Fund 10, /07/ / 0.46 LargeCap S&P 500 Index Inst Fund 2, 6, 10, /01/ / 0.16 Russell 3000 Index Standard & Poor's 500 Index Morningstar Category Average Large Blend Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
2 Inv Manager or SubAdvisor Large Growth Am Century/Sawgrass Asset Mgmt LargeCap Growth II Inst Fund 19, /06/ / 0.89 Columbus Circle Investors LargeCap Growth Inst Fund /01/ / 0.64 Blue Chip Inst Fund /14/ / 0.69 T. Rowe Price/Brown Advisory LargeCap Growth I Inst Fund /06/ / 0.63 Russell 1000 Growth Index Morningstar Category Average Large Growth Total Funds in Category Small/Mid U.S. Equity Mid Cap Value LA Capital Mgmt/Victory MidCap Value I Inst Fund 1, 13, 19, /29/ / 1.00 Principal Global/Barrow Hanley MidCap Value III Inst Fund 1, 10, 13, /01/ / 0.67 Russell Midcap Value Index Morningstar Category Average Mid Cap Value Total Funds in Category Mid Cap Blend Edge Asset Management, Inc. EDGE MidCap Inst Fund 1, /28/ / 0.80 MidCap S&P 400 Index Inst Fund 1, 2, 8, 10, 13, /01/ / 0.19 Russell Midcap Index Standard & Poor's 400 MidCap Stock Index Morningstar Category Average Mid Cap Blend Total Funds in Category Mid Cap Growth Columbus Circle Investors MidCap Growth Inst Fund 1, 10, /01/ / 0.75 Robert Baird/William Blair MidCap Growth III Inst Fund 1, 10, 13, 19, /01/ / 0.98 Russell Midcap Growth Index Morningstar Category Average Mid Cap Growth Small Value Average Annual Total Returns through Total Funds in Category DFA/Vaughan Nelson/LA Capital SmallCap Value II Inst Fund 1, 13, /01/ / 1.03 Russell 2000 Value Index Morningstar Category Average Small Value Total Funds in Category /28/ /28/2018 Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
3 Inv Manager or SubAdvisor Small Blend SmallCap Inst Fund 1, 10, 13, /01/ / 0.84 SmallCap S&P 600 Index Inst Fund 1, 2, 7, 10, /01/ / 0.20 Russell 2000 Index Standard & Poor's 600 Stock Index Morningstar Category Average Small Blend Total Funds in Category Small Growth AB/Brown/Emerald SmallCap Growth I Inst Fund 1, 13, 19, /06/ / 1.10 Russell 2000 Growth Index Morningstar Category Average Small Growth Total Funds in Category Real Estate Principal Real Estate Inv Real Estate Securities Inst Fund 5, /01/ / 0.89 MSCI US REIT Index Morningstar Category Average Real Estate Total Funds in Category International Equity Diversified Emerging Markets Origin Asset Management LLP Origin Emerging Markets Inst Fund /23/ / 1.25 International Emerging Markets Inst Fund 3, 10, /01/ / 1.25 MSCI Emerging Markets NR Index Morningstar Category Average Diversified Emerging Markets Foreign Large Value Total Funds in Category Causeway / Barrow Hanley Overseas Inst Fund 3, /30/ / 1.10 MSCI EAFE Value Index Morningstar Category Average Foreign Large Value Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
4 Inv Manager or SubAdvisor Foreign Large Blend Origin Asset Management LLP International I Inst Fund 3, /29/ / 0.97 Diversified International Inst Fund 3, /01/ / 0.85 International Equity Index Inst Fund 2, 3, 23, 24, /30/ / 0.35 SystematEx International Inst Fund /22/ / 1.61 MSCI ACWI Ex USA Index MSCI EAFE NR Index Morningstar Category Average Foreign Large Blend Foreign Small/Mid Blend Total Funds in Category International Small Company Inst Fund 1, 3, /31/ / 1.23 MSCI World Ex US Small Cap Index Morningstar Category Average Foreign Small/Mid Blend World Stock Total Funds in Category Global Opportunities Inst Fund /28/ / 0.85 MSCI All Country World Index Morningstar Category Average World Stock Total Funds in Category Global Real Estate Principal Real Estate Inv 3, 5, 9, 25, Global Real Estate Securities Inst Fund /01/ / 0.90 FTSE EPRA/NAREIT Developed Index NR Morningstar Category Average Global Real Estate Balanced/Asset Allocation Allocation15% to 30% Equity Multiple SubAdvisors 10, 11, 12, 15, SAM Flexible Income Inst Portfolio 20, 22, 34, Total Funds in Category /16/ / 0.87 SAM Flexible Income Blended Index Morningstar Category Average Allocation15% to 30% Equity Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
5 Inv Manager or SubAdvisor Allocation30% to 50% Equity Multiple SubAdvisors Diversified Real Asset Inst Fund 21, /16/ / 0.89 Multiple SubAdvisors Global Diversified Income Inst Fund 17, /15/ / 0.78 Multiple SubAdvisors 10, 11, SAM Conservative Balanced Inst Portfolio 15, 20, 22, 34, /16/ / 0.97 Diversified Real Asset Strategic Index Global Diversified Income Blended Index SAM Conservative Balanced Blended Index Morningstar Category Average Allocation30% to 50% Equity Allocation50% to 70% Equity Total Funds in Category Multiple SubAdvisors SAM Balanced Inst Portfolio 10, 11, 15, 20, 22, 34, /16/ / 1.01 SAM Balanced Blended Index Morningstar Category Average Allocation50% to 70% Equity Allocation70% to 85% Equity Multiple SubAdvisors 10, 11, 15, SAM Conservative Growth Inst Portfolio 20, 22, 34, Total Funds in Category /16/ / 1.08 SAM Conservative Growth Blended Index Morningstar Category Average Allocation70% to 85% Equity TargetDate Retirement Multiple SubAdvisors 11, 15, 20, Principal LifeTime Hybrid Income CIT I 22, 34, 52, 53, 54, 55, 56 Multiple SubAdvisors Principal LifeTime Hybrid Income Inst Fund 11, 15, 20, 22, 34, 39 Multiple SubAdvisors Principal LifeTime Strategic Income Inst Fund 11, 15, 20, 22, 34, Total Funds in Category /07/ / /30/ / /01/ / 0.60 S&P Target Date Retirement Income Index Morningstar Category Average TargetDate Retirement Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
6 Inv Manager or SubAdvisor Allocation85%+ Equity Multiple SubAdvisors 10, 11, 12, 15, SAM Strategic Growth Inst Portfolio 20, 22, 34, /16/ / 1.04 SAM Strategic Growth Blended Index Morningstar Category Average Allocation85%+ Equity TargetDate Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2010 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2010 Inst Fund Total Funds in Category /07/ / /01/ / 0.64 S&P Target Date 2010 Index Morningstar Category Average TargetDate TargetDate 2015 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2015 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2015 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2015 Inst Fund Total Funds in Category /07/ / /30/ / /29/ / 0.67 S&P Target Date 2015 Index Morningstar Category Average TargetDate 2015 TargetDate 2020 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2020 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2020 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2020 Inst Fund Total Funds in Category /07/ / /30/ / /01/ / 0.69 S&P Target Date 2020 Index Morningstar Category Average TargetDate 2020 Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
7 Inv Manager or SubAdvisor TargetDate 2025 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2025 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2025 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2025 Inst Fund /07/ / /30/ / /29/ / 0.71 S&P Target Date 2025 Index Morningstar Category Average TargetDate 2025 TargetDate 2030 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2030 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2030 Inst Fund 20, 22, 34, Total Funds in Category /07/ / /30/ / 4.05 Multiple SubAdvisors Principal LifeTime 2030 Inst Fund 11, 15, 20, 22, /01/ / 0.72 S&P Target Date 2030 Index Morningstar Category Average TargetDate 2030 TargetDate 2035 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2035 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2035 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2035 Inst Fund Total Funds in Category /07/ / /30/ / /29/ / 0.74 S&P Target Date 2035 Index Morningstar Category Average TargetDate 2035 Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
8 Inv Manager or SubAdvisor TargetDate 2040 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2040 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2040 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2040 Inst Fund /07/ / /30/ / /01/ / 0.74 S&P Target Date 2040 Index Morningstar Category Average TargetDate 2040 TargetDate 2045 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2045 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2045 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2045 Inst Fund Total Funds in Category /07/ / /30/ / /29/ / 0.76 S&P Target Date 2045 Index Morningstar Category Average TargetDate 2045 TargetDate 2050 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2050 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2050 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2050 Inst Fund Total Funds in Category /07/ / /30/ / /01/ / 0.76 S&P Target Date 2050 Index Morningstar Category Average TargetDate 2050 Average Annual Total Returns through Total Funds in Category Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
9 Inv Manager or SubAdvisor TargetDate 2055 Multiple SubAdvisors 11, 15, 20, 22, Principal LifeTime Hybrid 2055 CIT I 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 15, Principal LifeTime Hybrid 2055 Inst Fund 20, 22, 34, 39 Multiple SubAdvisors 11, 15, 20, 22, 34, Principal LifeTime 2055 Inst Fund /07/ / /30/ / /29/ / 0.78 S&P Target Date 2055 Index Morningstar Category Average TargetDate 2055 World Allocation Total Funds in Category Principal Real Estate Inv Real Estate Allocation Inst Fund /31/ / Real Estate Allocation Blended Index 3.90 Morningstar Category Average World Allocation TargetDate Multiple SubAdvisors 11, 12, 15, 20, Principal LifeTime Hybrid 2060 CIT I 22, 34, 52, 53, 54, 55, 56 Multiple SubAdvisors 11, 12, Principal LifeTime Hybrid 2060 Inst Fund 15, 20, 22, 34, 39 Multiple SubAdvisors 11, 12, 15, 20, 22, Principal LifeTime 2060 Inst Fund 34, Total Funds in Category /01/ / /30/ / /01/ / 0.81 S&P Target Date Index Morningstar Category Average TargetDate LongShort Equity Multiple SubAdvisors MultiManager Equity Long/Short Inst Fund Total Funds in Category /31/ / 2.72 HFRX Equity Hedge Index Morningstar Category Average LongShort Equity ShortTerm Fixed Income Stable Value Morley Financial Services, Inc Principal Stable Value Inst Fund Average Annual Total Returns through Total Funds in Category /09/ / 0.55 Bloomberg Barclays 13 Yr Government Index Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
10 Inv Manager or SubAdvisor Short Term Bond Edge Asset Management, Inc. ShortTerm Income Inst Fund 10, 14, /25/ / 0.43 Bloomberg Barclays Credit 13 Years Index Morningstar Category Average Short Term Bond Fixed Income Emerging Markets Bond Finisterre Capital LLP Finisterre Unconstrained Emerging Markets Bond Inst Fund Finisterre Unconstrained Emerging Markets Bond Blended Index Morningstar Category Average Emerging Markets Bond High Yield Bond Total Funds in Category /11/ / Total Funds in Category JP Morgan / Neuberger Berman High Yield I Inst Fund 4, 9, 14, /29/ / 0.65 Dynamic High Yield Explorer Inst Fund 4, 14, /10/ / 1.28 High Yield Inst Fund 4, 10, 14, /28/ / 0.60 Bloomberg Barclays US Corp High Yld 2% Issuer Capped Index Dynamic High Yield Explorer Blended Index Morningstar Category Average High Yield Bond IntermediateTerm Bond Total Funds in Category Edge Asset Management, Inc. Income Inst Fund 10, 14, /23/ / 0.50 Mellon Capital Mgmt Bond Market Index Inst Fund 2, 14, 15, /30/ / 0.28 Core Plus Bond Inst Fund 10, 14, 15, 27, /01/ / 0.50 Principal Real Estate Inv Real Estate Debt Income Inst Fund 5, 14, /31/ / 0.64 Bloomberg Barclays Aggregate Bond Index Bloomberg Barclays CMBS ERISA Eligible Index Morningstar Category Average IntermediateTerm Bond Average Annual Total Returns through Total Funds in Category /28/ /28/2018 Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
11 Inv Manager or SubAdvisor Intermediate Government Edge Asset Management, Inc. Government & High Quality Bond Inst Fund 10, 14, 15, 27 Bloomberg Barclays US Agency Fixed Rate MBS Index Morningstar Category Average Intermediate Government InflationProtected Bond /23/ / Total Funds in Category BlackRock Financial Mgmt, Inc. Inflation Protection Inst Fund 14, 15, /29/ / 0.39 Bloomberg Barclays US Treas TIPS Index Morningstar Category Average InflationProtected Bond Preferred Stock Total Funds in Category Spectrum Preferred Securities Inst Fund 14, /01/ / 0.77 Preferreds Blended Index Morningstar Category Average Preferred Stock Total Funds in Category Other Multialternative Multiple SubAdvisors Global MultiStrategy Inst Fund 26, /24/ / 2.12 Hedge Fund Research, Inc. Fund of Funds Composite Index Morningstar Category Average Multialternative Total Funds in Category Please see important information at the end of this presentation. Asset Class ShortTerm Fixed Income Average Annual Total Returns through Investment Option Name and Description Fixed Income Guaranteed Option 45,46 Crediting Rate 12/01/ /31/2017 This group annuity contract is a guarantee, backed by the assets in the multibillion dollar general account of the Principal Life Insurance Company (Principal Life). The contract makes benefit payments at book value (i.e., no market value adjustments or surrender charge adjustments) for plan benefit events. An employerlevel surrender of the plan's interest or initiated transfer will be subject to either a 12month irrevocable advance notice or a 5% surrender charge, whichever the employer chooses Rate Level Service Fee 47 Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
12 Important Information A mutual fund's share price and investment return will vary with market conditions, and the principal value of an investment when you sell your shares may be more or less than the original cost. Subadvised Investment Options include Principal Funds, Inc. mutual funds. Principal Funds, Inc is distributed by Principal Funds Distributor, Inc. Securities are offered through Principal Securities, Inc., , member SIPC and/or independent broker/dealers. Securities sold by a Principal Securities Registered Representative are offered through Principal Securities. Principal Funds Distributor, Principal Securities, and Principal Life are members of the Principal Financial Group, Des Moines, IA Certain investment options may not be available in all states or U.S. commonwealths. Only eligible purchasers may buy Institutional Class shares of the Funds. At the present time, eligible purchasers include but are not limited to: separate accounts of Principal Life; Principal Life or any of its subsidiaries or affiliates; any fund distributed by Principal Funds Distributor, Inc. and/or Principal Securities, Inc. ( Principal Securities ) (together, the Distributors ) if the fund seeks to achieve its investment objective by investing primarily in shares of mutual funds; clients of, LLC.; sponsors, recordkeepers, or administrators of wrap account or mutual fund asset allocation programs or participants in those programs; certain pension plans; certain retirement account investment vehicles administered by foreign or domestic pension plans; an investor who buys shares through an omnibus account with certain intermediaries, such as a brokerdealer,bank, or other financial institution, pursuant to a written agreement; and certain institutional clients that have been approved by Principal Life Insurance Company for purposes of providing plan record keeping. All funds listed may not be available to each eligible purchaser. Percentile rankings are based on total returns in accordance with the appropriate Morningstar peer group. Returns shown for periods of less than one year are not annualized. All returns displayed here are after Total Investment Expense of the investment option. Investment options are subject to investment risk. Shares or unit values will fluctuate and investments, when redeemed, may be worth more or less than their original cost. This does not apply, however, to the guaranteed portions of group annuity contracts issued by Principal Life that constitute guaranteed benefit policies as defined in ERISA 401(b)(2)(B). Any operating expenses of a mutual fund or underlying mutual fund that are part of net Total Investment Expense are obtained from the mutual fund's most recent prospectus. The operating expenses shown as part of Total Investment Expense include voluntary expense limits and fee credit. Investors should carefully consider a mutual fund s investment objectives, risks, charges, and expenses prior to investing. A prospectus, or summary prospectus if available, containing this and other information can be obtained by contacting a financial professional, visiting principal.com, or calling Read the prospectus carefully before investing. Insurance products and plan administrative services, if applicable, are provided by Principal Life Insurance Company. Principal mutual funds are part of the Principal Funds, Inc. series. Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Securities are offered through Principal Securities, Inc., , member SIPC and/or independent broker/dealers. Securities sold by a Principal Securities Registered Representative are offered through Principal Securities. Principal Funds Distributor, Principal Securities and Principal Life are members of the Principal Financial Group, Des Moines, IA Certain investment options may not be available in all states or U.S. commonwealths. For a Mutual Fund investment option, Total Investment Expense gross equals the sum of (a) the total fund operating expenses plus (b) if the mutual fund invests in other mutual funds, the weightedaverage management fee of those other mutual funds, as listed in the most recent prospectus. The actual Total Investment Expense may change if the mutual fund investment option's allocation of assets to other mutual funds changes. This report includes investment options that contain information from a variety of sources. A primary source is Morningstar which provides holdings information, operations data, and rankings or statistics proprietary to Morningstar. Morningstar is generally the source of information on mutual funds unaffiliated with the Principal. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
13 (C) 2017 Morningstar, Inc. All Rights Reserved. Part of the investment data contained herein includes Morningstar peer group comparisons, ratings, holdings and other data from its mutual fund and variable annuity databases and : (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. See the Principal Funds, Inc. prospectus for the full name of each Fund. Compliance number: t t1 1. Smallcap and midcap investment options are subject to more fluctuation in value and may have additional risks than other investment options with stocks of larger, more stable companies. 2. Each index based investment option is invested in the stocks or bonds of the index it tracks. Performance of indexes reflects the unmanaged results for the market segment the selected stocks or bonds represent. There is no assurance an index based investment option will match the performance of the index tracked. 3. International and global investment options are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies, and other economic and political environments. 4. High yield investment options are subject to greater credit risk and volatility that is associated with high yield bonds. 5. Real Estate investment options are subject to investment and liquidity risk and other risks inherent in real estate such as those associated with general and local economic conditions. Property values can decline due to environmental and other reasons. In addition, fluctuation in interest rates can negatively impact the performance of real estate investment options. 6. S&P 500 is a trademark of The McGrawHill Companies, Inc., and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product. 7. S&P SmallCap 600 is a trademark of The McGrawHill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product. 8. S&P MidCap 400 is a trademark of The McGrawHill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the product. 9. Not all funds associated with the institutional class shares of the Principal Funds series are registered in every state. These funds will be appropriately registered for use upon selection for your retirement plan. 10. These calculated returns reflect the historical performance of the oldest share class of the fund, adjusted to reflect a portion of the fees and expenses of this share class. For time periods prior to inception date of the fund, predecessor performance is reflected. Please see the fund's prospectus for more information on specific expenses, and the fund's most recent shareholder report for actual date of first sale. Expenses are deducted from income earned by the fund. As a result, dividends and investment results will differ for each share class. 11. Equity investment options involve greater risk, including heightened volatility, than fixedincome investment options. Fixedincome investment options are subject to interest rate risk, and their value will decline as interest rates rise. 12. Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, smallcap, international, and highyield investment options involves additional risks. 13. Smallcap and midcap stocks may have additional risks, including greater price volatility. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
14 14. Fixedincome investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond investment options nor their yields are guaranteed by the U.S. government. 15. Fixedincome and asset allocation investment options that invest in mortgage securities are subject to increased risk due to real estate exposure. 16. Instances of high doubledigit returns were achieved primarily during favorable market conditions and may not be sustainable over time. 17. Fixedincome investment options are subject to interest rate risk, and their value will decline as interest rates rise. Lowerrated securities are subject to additional credit and default risks. Risks associated with preferred securities differ from risks inherent with other investments. In particular, in the event of bankruptcy, a company's preferred securities are senior to common stock but subordinated to all other types of corporate debt. International investing involves increased risks due to currency fluctuations, political or social instability, and differences in accounting standards, these risks are magnified in emerging markets. REIT securities are subject to risk factors associated with the real estate industry and tax factors of REIT registration. 19. The manager of the Fund, Principal Management Corporation, invests between 10% and 40% of the Fund's assets in common stocks in an attempt to match or exceed the performance of the Fund's benchmark index for performance. 20. Asset allocation and diversification do not ensure a profit or protect against a loss. Additionally there is no guarantee this investment option will provide adequate income at or through retirement. 21. Fixedincome investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond investment options nor their yields are guaranteed by the U.S. or any other government entity. Concentrating investments in natural resources industries can be affected significantly by events relating to those industries, such as variations in the commodities markets, weather, disease, embargoes, international, political and economic developments, the success of exploration projects, tax and other government regulations and other factors. Investment in derivatives entails specific risks relating to liquidity, leverage and credit that may reduce returns and/or increase volatility. REIT securities are subject to risk factors associated with the real estate industry and tax factors of REIT registration. An MLP that invests in a particular industry (e.g., oil and gas) may be harmed by detrimental economic events within that industry. As partnerships, MLPs may be subject to less regulation (and less protection for investors) under state laws than corporations. In addition, MLPs may be subject to state taxation in certain jurisdictions, which may reduce the amount of income paid by an MLP to its investors. 22. The Investment Advisor will display "Multiple SubAdvisors" for certain targetdate, targetrisk and specialty investment options where the assets are directed by the Investment Manager to multiple underlying investment options. These underlying investment options may use multiple subadvisors who are responsible for the daytoday management responsibilities. 23. The International Equity Index investment option described herein is indexed to an MSCI index. 24. The funds or securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities or any index on which such funds or securities are based. The Principal International Equity Index Fund's Statement of Additional Information contains a more detailed description of the limited relationship MSCI has with Principal and any related funds. 25. During 2010, the Class experienced a significant withdrawal of monies by an affiliate. As the remaining shareholders held relatively small positions, the total return amounts expressed herein are greater than those that would have been experienced without the withdrawal. 26. This fund utilizes alternative investment strategies such as arbitrage, leverage, derivatives, and shorting securities in addition to traditional investments. Investment risk may be magnified with the use of these alternative strategies. In addition, securities such as bonds, equities, commodities, international and emerging market securities, and currencies are used to implement the investment strategy. These investments are subject to risks associated with market and interest rate movements. The fund is considered nondiversified which may make it more susceptible to price volatility if the fund does not meet its objective. Due to the nature of the investment process, investors should not expect significant outperformance during market rallies. Additional risks are included in the funds prospectus. It is possible to lose money when investing in the fund. 27. The risks associated with derivative investments include that the underlying security, interest rate, market index, or other financial asset will not move in the direction the Investment Adviser and/or SubAdvisor anticipated, the possibility that there may be no liquid secondary market, the risk that adverse price movements in an instrument can result in a loss substantially greater than a fund's initial investment, the possibility that the counterparty may fail to perform its obligations; and the inability to close out certain hedged positions to avoid adverse tax consequences. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
15 29. Effective January 13, 2014, this portfolio is subadvised by Baird and William Baird and William Blair. Prior to January 13, 2014, this portfolio was subadvised by Turner and Jacobs Levy. The portfolio has had various subadvisors since its inception. Performance results displayed reflect all subadvisors managing this portfolio during the time periods displayed. 30. Effective June 3, 2014, this portfolio is subadvised by Origin Asset Management. Prior to June 3, 2014, this portfolio was subadvised by Fidelity and Schroders. The portfolio has had various subadvisors since its inception. Performance results displayed reflect all subadvisors managing this portfolio during the time periods displayed. 31. Bank loans may be subject to settlement risk. If in default, there is no assurance that secured collateral could be liquidated to satisfy the borrower's obligation. 32. During 2014, the Class experienced a significant withdrawal of monies by an affiliate. As the remaining shareholders held relatively small positions, the total return amounts expressed herein are greater than those that would have been experienced without the withdrawal. 33. Effective December 30, 2014, this portfolio is subadvised by American Century and Sawgrass Asset Management. Prior to December 30, 2014, the portfolio was subadvised by American Century and Montag & Caldwell. The portfolio has had various subadvisors since its inception. Performance results displayed reflect all subadvisors managing this portfolio during the time periods displayed. 34. International and global investing involves greater risks such as currency fluctuations, political/social instability and differing accounting standards. 35. Formerly known as SmallCap Blend Fund. 36. Formerly known as Bond & Mortgage Securities Fund. 37. This Principal LifeTime Fund indirectly bears its pro rata share of the management fees incurred by the underlying Principal Funds in which this fund invests. Based on the asset allocation of the Principal LifeTime Funds outlined in the prospectus dated March 1, 2016, the weighted average operating expenses of the underlying funds are: Principal LifeTime Strategic Income, 0.58%; Principal LifeTime 2010, 0.63%; Principal LifeTime 2015, 0.66%; Principal LifeTime 2020, 0.68%; Principal LifeTime 2025, 0.70%; Principal LifeTime 2030, 0.71%; Principal LifeTime 2035, 0.73%; Principal LifeTime 2040, 0.73%; Principal LifeTime 2045, 0.74%; Principal LifeTime 2050, 0.75%; Principal LifeTime 2055, 0.74%; Principal LifeTime 2060, 0.75%. While the operating expenses of the underlying mutual funds are not part of the Principal LifeTime Fund's operating expenses they are included in the Total Investment Expense. Performance results shown for the Principal LifeTime Fund reflect the application of these expenses. 38. This Principal Strategic Asset Management Portfolio (SAM) indirectly bears its pro rata share of the management fees incurred by the underlying Principal Funds in which this portfolio invests. Based on the asset allocation of the SAM Portfolio outlined in the prospectus dated March 1, 2016, the weighted average operating expenses of the underlying funds are: Flexible Income, 0.55%; Conservative Balanced, 0.65%; Balanced, 0.70%; Conservative Growth, 0.77%; Strategic Growth, 0.73%. While the operating expenses of the underlying mutual funds are not part of the SAM Portfolio operating expenses they are included in the Total Investment Expense. Performance results shown for the SAM Portfolios reflect the application of these expenses. 39. This Principal LifeTime Hybrid Fund indirectly bears its pro rata share of the management fees incurred by the underlying Principal Funds in which this fund invests. Based on the asset allocation of the Principal LifeTime Hybrid Funds outlined in the prospectus dated March 1, 2016, the weighted average operating expenses of the underlying funds are: Principal LifeTime Hybrid Income, 0.48%; Principal LifeTime Hybrid 2015, 0.43%; Principal LifeTime Hybrid 2020, 0.44%; Principal LifeTime Hybrid 2025, 0.46%; Principal LifeTime Hybrid 2030, 0.45%; Principal LifeTime Hybrid 2035, 0.48%; Principal LifeTime Hybrid 2040, 0.44%; Principal LifeTime Hybrid 2045, 0.48%; Principal LifeTime Hybrid 2050, 0.47%; Principal LifeTime Hybrid 2055, 0.48%; Principal LifeTime Hybrid 2060, 0.51%. While the operating expenses of the underlying mutual funds are not part of the Principal LifeTime Hybrid Fund's operating expenses they are included in the Total Investment Expense. Performance results shown for the Principal LifeTime Hybrid Fund reflect the application of these expenses. 40. Effective June 30, 2016, this portfolio is subadvised by LA Capital and Victory Capital. Prior to June 30, 2016, the portfolio was subadvised by Goldman Sachs and LA Capital. The portfolio has had various subadvisors since its inception. Performance results displayed reflect all subadvisors managing this portfolio during the time periods displayed. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
16 43. Effective September 30, 2016, this portfolio is subadvised by AB LP, Brown Advisory and Emerald Advisors, Inc. Prior to September 30, 2016, the portfolio was subadvised by AB LP, Brown Advisory, Emerald Advisors, Inc. and Columbus Circle Investors. The portfolio has had various subadvisors since its inception. Performance results displayed reflect all subadvisors managing this portfolio during the time periods displayed. 45. Principal Fixed Income Guaranteed Option is the Group Annuity Contract Custodial Guaranteed Interest Contract available through Principal Life Insurance Company, a member of the Principal Financial Group, Des Moines Iowa May not be available in all states. 46. If the retirement program provides a participant access to the Fixed Income Guaranteed Option and Competing Plan Investment Options, participant transfers, either directly or indirectly, to Competing Plan Investment Options will generally be subject to an Equity Wash. An Equity Wash requires that transfers must be directed to a noncompeting investment option under the plan for 90days before such transferred amounts may be directed to any other Competing Plan Investment Option. Competing Plan Investment Options include other guaranteed investment options, or fixed income, money market, or bond funds that have ever had an average duration of 3.0 years or less. 47. The Fixed Income Guaranteed Option is a guarantee backed by the general account of Principal Life Insurance Company(Principal Life). As a guarantee, it does not have an investment management fee or expense ratio; those are concepts unique to investment products. The Rate Level Service Fee illustrated here represents the part of the overall fee arrangement that the plan pays for services from Principal Life as a provider of administrative services to the plan, as agreed to in the Service and Expense Agreement for the plan. 48. The crediting rate shown for the Fixed Income Guaranteed Option is an effective annual rate and is displayed here as the rate guaranteed by Principal Life net of the fees for administrative services to the plan illustrated in the Rate Level Service Fee column for the Fixed Income Guaranteed Option. 52. This Principal LifeTime Hybrid CIT indirectly bears its pro rata share of the Total Investment Expense incurred by the underlying investment options in which this fund invests. Based on the asset allocation of the Principal LifeTime Hybrid CITs as of March 31, 2016, the weighted average operating expenses of the underlying investment options are: Principal LifeTime Hybrid Income, 0.33%; Principal LifeTime Hybrid 2010, 0.33%; Principal LifeTime Hybrid 2015, 0.32%; Principal LifeTime Hybrid 2020, 0.32%; Principal LifeTime Hybrid 2025, 0.32%; Principal LifeTime Hybrid 2030, 0.32%; Principal LifeTime Hybrid 2035, 0.32%; Principal LifeTime Hybrid 2040, 0.32%; Principal LifeTime Hybrid 2045, 0.33%; Principal LifeTime Hybrid 2050, 0.33%; Principal LifeTime Hybrid 2055, 0.34%; Principal LifeTime Hybrid 2060, 0.34%. This fund may invest in underlying mutual funds. For more information on the underlying funds and their expenses, see the prospectus for those funds. 53. Effective January 1, 2017, the trustee for the Principal LifeTime Hybrid Collective Investment Funds changed from Principal Trust Company to Principal Global Investors Trust Company. Principal Trust Target Date Collective Investment Funds were renamed the Principal LifeTime Hybrid Collective Investment Funds (CITs). 54. For the Principal Lifetime Hybrid Collective Investment Funds (CITS), Total Investment Expense Net equals the sum of these expenses: (a) the amount of money, expressed as a percentage, deducted for the cost of managing the collective investment trust, and where applicable, fees for plan administrative services and compensation to your Financial Professional based on the amount of business they have with us including such factors as total deposits and assets, plus (b) if the collective investment trust invests in an underlying mutual fund, separate account, or collective investment trust, the total investment operating expenses of the underlying investment option, as listed in the most recent prospectus if applicable. 55. The Principal LifeTime Hybrid Collective Investment Funds (CITs) are collective investment trusts maintained by Trust Company, (the Trust Company). The Trust Company has retained, LLC (the Adviser), to serve as investment adviser with respect to the CITs, subject to the Trust Companys supervision and review. The Adviser is an indirect wholly owned subsidiary of Principal Financial Group. Inc. and is under common control with the Trust Company. The Adviser also manages portfolios which may be included as underlying investments in the CITs. The Adviser receives management fees from these portfolios. The Adviser or other affiliates of the Trust Company may provide services to the CITs and may receive fees for such services. The CITs are available only to certain qualified retirement plans and governmental 457(b) plans. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
17 56. The CITs are available only to certain qualified retirement plans and governmental 457(b) plans. The CITs are not mutual funds and are not registered with the Securities and Exchange Commission, the State of Oregon, or any other regulatory body. Units of the CITs are not deposits or obligations of, guaranteed by, or insured by the Trust Company or any affiliate, and are not insured by the FDIC or any other federal or state government agency. The value of the CITs will fluctuate so that when redeemed, units may be worth more or less than the original cost. The declaration of trust, participation agreement, and disclosure documents contain important information about investment objectives, risks, fees and expenses associated with investment in the CITs and should be read carefully before investing. The declaration of trust is available at principal.com. A copy of the participation agreement can be obtained from your plan administrator. Benchmark Descriptions Bloomberg Barclays 13 Yr Government Index is comprised of both the Treasury Bond Index and the Agency Bond Index. Bloomberg Barclays Aggregate Bond Index represents securities that are domestic, taxable, and dollar denominated. The index covers the U.S. investment grade fixed rate bond market, with index components for government and corporate securities, mortgage passthrough securities, and assetbacked securities. These major sectors are subdivided into more specific indices that are calculated and reported on a regular basis. Bloomberg Barclays CMBS ERISA Eligible Index measures the performance of the ERISAeligible commercial mortgagebacked securities market. Bloomberg Barclays Credit 13 Years Index is composed of publicly issued U.S. corporate and specified foreign debentures and secured notes that meet the specified maturity, liquidity, and quality requirements. To qualify, bonds must be SECregistered. Bloomberg Barclays Treasury Bellwethers 3 Month Index is composed of public obligations of the U. S. Treasury with a maturity of three months. Bloomberg Barclays US Agency Fixed Rate MBS Index covers the fixedrate mortgagebacked passthrough securities issued by GinnieMae (GNMA), Fannie Mae (FNMA), and Freddie Mae (FHLMC). Bloomberg Barclays US Corp High Yld 2% Issuer Capped Index is an unmanaged index comprised of fixed rate, noninvestment grade debt securities that are dollar denominated. The index limits the maximum exposure to any one issuer to 2%. Bloomberg Barclays US Treas TIPS Index consists of inflationprotected securities issued by the U.S. Treasury. Diversified Real Asset Strategic Index is composed of 35% Bloomberg Barclays U.S. Treasury TIPS Index, 20% S&P Global Infrastructure Index, 20% S&P Global Natural Resources Index, 15% Bloomberg Commodity Index, and 10% FTSE EPRA/NAREIT Developed Markets Index. Dynamic High Yield Explorer Blended Index is composed of 50% Bloomberg Barclays Capital High Yield 2% Issuer Constrained Index and 50% S&P/LSTA Leveraged Loan 100 Index. The blended index historic returns reflect the allocation as of the time of production. Previous allocation changes are not restated. FTSE EPRA/NAREIT Developed Index NR is designed to represent general trends in eligible real estate equities worldwide. Global Diversified Income Blended Index is composed of 40% Bloomberg Barclays Global Credit Index, 30% Bloomberg Barclays Global High Yield Index, and 30% MSCI ACWI Value Index. MSCI ACWI Ex USA Index is a free floatadjusted market capitalization index that is designed to measure the combined equity market performance of developed and emerging market countries excluding the US. MSCI All Country World Index is a free floatadjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets. MSCI EAFE NR Index is listed for foreign stock funds (EAFE refers to Europe, Australia, and Far East). Widely accepted as a benchmark for international stock performance, the EAFE Index is an aggregate of 21 individual country indexes. Principal Funds Inst, Principal Stable Value Institutional, Principal Trust Target CIT's, Principal Fixed Income Guaranteed Option,
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