Investment options for your retirement plan IMPORTANT PLAN INFORMATION

Transcription

1 Investment options for your retirement plan IMPORTANT PLAN INFORMATION

2

3 Investment options. Before investing in any investment option, consider the investment objectives, risks, charges, and expenses. Contact for a mutual fund or variable annuity prospectus or, if available, a summary prospectus. Read them carefully. The following is a list of investment options that your plan may offer. All options may not be available in your plan. For up-to-date performance information and other fund specifics, go to Lifecycle Funds Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investment options shown in the other risk spectrums. Investment options to the left have potentially more inflation risk and less investment risk Freedom Income Fund Freedom 2005 Fund Freedom 2010 Fund Freedom 2015 Fund Risk Spectrum for Lifecycle Freedom 2020 Fund Freedom 2025 Fund Freedom 2030 Fund Freedom 2035 Fund Investment options to the right have potentially less inflation risk and more investment risk Freedom 2040 Fund Freedom 2045 Fund Freedom 2050 Fund Freedom 2055 Fund Freedom 2060 Fund Target date investments are generally designed for investors expecting to retire around the year indicated in each investment s name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Funds Investment options to the left have potentially more inflation risk and less investment risk Investment options to the right have potentially less inflation risk and more investment risk Investment Options For more information visit or call % 30% 40% 50% 60% 70% 85% The portfolio manager of each of the funds has the flexibility to periodically shift investments among the three asset classes (stock, bond, short-term investments), depending on the current outlook for the various markets. The risk levels of the funds cannot be portrayed as a single point on the objective spectrum along with the other investment options because they may change periodically according to how the assets are invested. Placement of each fund on this spectrum is in relation to the other funds, which have different investment strategies. 2

4 Investment Options Lifecycle Funds Investment Option Name Freedom Income Fund Freedom 2005 Fund Freedom 2010 Fund Freedom 2015 Fund Freedom 2020 Fund Freedom 2025 Fund Freedom 2030 Fund Freedom 2035 Fund Freedom 2040 Fund Freedom 2045 Fund Freedom 2050 Fund Freedom 2055 Fund Freedom 2060 Fund Strategic Advisers Multi-Manager Income Fund Strategic Advisers Multi-Manager 2005 Fund Strategic Advisers Multi-Manager 2010 Fund Ticker FFFAX FFFVX FFFCX FFVFX FFFDX FFTWX FFFEX FFTHX FFFFX FFFGX FFFHX FDEEX FDKVX FEBPX FEHPX FEMPX Bond Government (continued) Spartan Long-Term Treasury Bond Index Fund Spartan Short-Term Treasury Bond Index Fund Diversified Limited Term Bond Fund Conservative Income Bond Fund Corporate Bond Fund Intermediate Bond Fund Investment Grade Bond Fund Mortgage Securities Fund Short-Term Bond Fund Strategic Income Fund Total Bond Fund Spartan U.S. Bond Index Fund FLBAX FSBAX FJRLX FCONX FCBFX FTHRX FBNDX FMSFX FSHBX FSICX FTBFX FSITX Strategic Advisers Multi-Manager 2015 Fund Strategic Advisers Multi-Manager 2020 Fund FEJPX FEKPX Strategic Advisers Core Income Multi-Manager Fund FWHBX Strategic Advisers Multi-Manager 2025 Fund Strategic Advisers Multi-Manager 2030 Fund Strategic Advisers Multi-Manager 2035 Fund Strategic Advisers Multi-Manager 2040 Fund Strategic Advisers Multi-Manager 2045 Fund Strategic Advisers Multi-Manager 2050 Fund Strategic Advisers Multi-Manager 2055 Fund Strategic Advisers Multi-Manager 2060 Fund Allocation Funds 20% 30% 40% 50% FEDPX FECPX FENPX FEWPX FEZPX FEYPX FESPX FNJPX FASIX FTANX FFANX FASMX Inflation-Protected Inflation-Protected Bond Fund Spartan Inflation-Protected Bond Index Fund High Yield Capital & Income Fund Floating Rate High Income Fund Focused High Income Fund Global High Income Fund High Income Fund Short Duration High Income Fund Strategic Advisers Income Opportunities Fund of Funds FINPX FSIYX FAGIX FFRHX FHIFX FGHNX SPHIX FSAHX FSADX 60% 70% FSANX FASGX International/Global New Markets Income Fund FNMIX 85% Money Market (or Short Term) Treasury Fund FAMRX FZFXX Balanced/Hybrid Balanced Fund Four-in-One Index Fund FBALX FFNOX Treasury Only Money Market Fund FDLXX Puritan Fund FPURX Cash Reserves FDRXX Strategic Dividend & Income Fund FSDIX Government Money Market Fund SPAXX Strategic Real Return Fund FSRRX Money Market Fund Money Market Trust Retirement Government Money Market Portfolio SPRXX FGMXX Convertibles Convertible Securities Fund FCVSX Money Market Trust Retirement Money Market Portfolio Select Money Market Portfolio U.S. Government Reserves Bond Government Government Income Fund GNMA Fund Intermediate Government Income Fund Limited Term Government Fund Spartan Intermediate Treasury Bond Index Fund FRTXX FSLXX FGRXX FGOVX FGMNX FSTGX FFXSX FIBAX International/Global Global Balanced Fund Global Strategies Fund Domestic Equity Large Value Blue Chip Value Fund Equity Dividend Income Fund Equity-Income Fund Large Cap Value Enhanced Index Fund Stock Selector Large Cap Value Fund Value Discovery Fund Strategic Advisers Value Multi-Manager Fund FGBLX FDYSX FBCVX FEQTX FEQIX FLVEX FSLVX FVDFX FKMOX 3

5 Mid Value Leveraged Company Stock Fund Low-Priced Stock Fund Mid Cap Value Fund Value Fund Value Strategies Fund Small Value Small Cap Value Fund Large Blend Disciplined Equity Fund Dividend Growth Fund Growth & Income Portfolio Large Cap Core Enhanced Index Fund Large Cap Stock Fund Mega Cap Stock Fund Spartan 500 Index Fund Spartan Total Market Index Fund Strategic Advisers Core Multi-Manager Fund Mid Blend Event Driven Opportunities Fund Mid Cap Enhanced Index Fund Spartan Extended Market Index Fund Spartan Mid Cap Index Fund Small Blend Small Cap Discovery Fund Small Cap Enhanced Index Fund Small Cap Stock Fund Stock Selector Small Cap Fund Spartan Small Cap Index Fund Strategic Advisers Small-Mid Cap Multi-Manager Fund Large Growth Blue Chip Growth Fund Capital Appreciation Fund Contrafund Export and Multinational Fund Fifty Focused Stock Fund Fund Growth Company Fund Growth Discovery Fund Independence Fund FLVCX FLPSX FSMVX FDVLX FSLSX FCPVX FDEQX FDGFX FGRIX FLCEX FLCSX FGRTX FUSVX FSTVX FLAUX FARNX FMEIX FSEVX FSCKX FSCRX FCPEX FSLCX FDSCX FSSVX FNAPX FBGRX FDCAX FCNTX FEXPX FFTYX FTQGX FFIDX FDGRX FDSVX FDFFX Mid Growth Growth Strategies Fund Mid-Cap Stock Fund Stock Selector Mid Cap Fund Small Growth Small Cap Growth Fund International/Global Equity Global Bond Fund International Bond Fund Diversified Diversified International Fund Global Equity Income Fund International Capital Appreciation Fund International Discovery Fund International Enhanced Index Fund International Growth Fund International Small Cap Fund International Small Cap Opportunities Fund International Value Fund Overseas Fund Total International Equity Fund Worldwide Fund Spartan Global ex U.S. Index Fund Spartan International Index Fund Strategic Advisers International Multi-Manager Fund Regional Canada Fund China Region Fund Emerging Asia Fund Europe Fund Japan Fund Japan Smaller Companies Fund Latin America Fund Nordic Fund Pacific Basin Fund Emerging Markets Emerging Markets Discovery Fund Total Emerging Markets Fund Emerging Europe, Middle East, Africa (EMEA) Fund Emerging Markets Fund Spartan Emerging Markets Index Fund FDEGX FMCSX FSSMX FCPGX FGBFX FINUX FDIVX FGILX FIVFX FIGRX FIENX FIGFX FISMX FSCOX FIVLX FOSFX FTIEX FWWFX FSGDX FSIVX FMJDX FICDX FHKCX FSEAX FIEUX FJPNX FJSCX FLATX FNORX FPBFX FEDDX FTEMX FEMEX FEMKX FPMAX Investment Options For more information visit or call Large Cap Growth Enhanced Index Fund Magellan Fund FLGEX FMAGX Strategic Advisers Emerging Markets Fund of Funds FLILX Nasdaq Composite Index Fund New Millennium Fund OTC Portfolio FNCMX FMILX FOCPX Specialty International Real Estate Fund FIREX Stock Selector All Cap Fund FDSSX Trend Fund FTRNX Strategic Advisers Growth Multi-Manager Fund FMELX 4

6 Investment Options Specialty Global Commodity Stock Fund Real Estate Income Fund Real Estate Investment Portfolio Select Air Transportation Portfolio Select Automotive Portfolio Select Banking Portfolio Select Biotechnology Portfolio Select Brokerage and Investment Management Portfolio Select Chemicals Portfolio Select Communications Equipment Portfolio Select Computers Portfolio Select Construction and Housing Portfolio Select Consumer Discretionary Portfolio Select Consumer Finance Portfolio Select Consumer Staples Portfolio Select Defense and Aerospace Portfolio Select Electronics Portfolio Select Energy Portfolio Select Energy Service Portfolio Select Environment and Alternative Energy Portfolio Select Financial Services Portfolio Select Gold Portfolio Select Health Care Portfolio Select Industrial Equipment Portfolio Select Industrials Portfolio Select Insurance Portfolio Select IT Services Portfolio Select Leisure Portfolio Select Materials Portfolio Select Medical Delivery Portfolio Select Medical Equipment and Systems Portfolio Select Multimedia Portfolio Select Natural Gas Portfolio Select Natural Resources Portfolio Select Pharmaceuticals Portfolio Select Retailing Portfolio Select Software and Computer Services Portfolio Select Technology Portfolio Select Telecommunications Portfolio Select Transportation Portfolio Select Utilities Portfolio Select Wireless Portfolio Telecom and Utilities Fund Spartan Real Estate Index Fund FFGCX FRIFX FRESX FSAIX FSAVX FSRBX FBIOX FSLBX FSCHX FSDCX FDCPX FSHOX FSCPX FSVLX FDFAX FSDAX FSELX FSENX FSESX FSLEX FIDSX FSAGX FSPHX FSCGX FCYIX FSPCX FBSOX FDLSX FSDPX FSHCX FSMEX FBMPX FSNGX FNARX FPHAX FSRPX FSCSX FSPTX FSTCX FSRFX FSUTX FWRLX FIUIX FSRVX 5

7

8 For help finding your investment mix: e-learning: Online e-learning workshops can teach you the fundamentals of saving for retirement. Visit Or call Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. If this plan is subject to ERISA, the plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary. Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved NVCPGENTEMCOV