Introducing new investment choices for the Dow Corning Supplemental Savings Plan (SSP)
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- Sherman Dixon
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1 Introducing new investment choices for the Dow Corning Supplemental Savings Plan (SSP) Starting January 4, 21, the SSP will offer you new ways to invest for retirement. Your SSP account balance and investment mix (election for new contributions) will map according to the following chart, automatically. If you do not want your investments to map as shown, then you must contact T. Rowe Price at or rps.troweprice.com by 4 p.m. eastern time on Thursday, December 28, 29, to make a different investment election. CURRENT OPTIONS NEW OPTIONS Legacy Funds Fixed Income Fund Vanguard Short Term Treasury Fund, Admiral (VFIRX) Growth Stock Fund Vanguard Growth Index Fund, Investor (VIGRX) Large Cap Stock Index Fund Vanguard Index Fund, Investor (VFINX) Value Fund Vanguard Value Index Fund, Investor (VIVAX) International Stock Fund Vanguard Total International Stock Index Fund, Investor (VGTSX)* T. Rowe Price Retirement Trusts TRP Retirement 2 Trust TRP Retirement 2 Fund (TRRFX) TRP Retirement 21 Trust TRP Retirement 21 Fund (TRRAX) TRP Retirement 2 Trust TRP Retirement 2 Fund (TRRGX) TRP Retirement 22 Trust TRP Retirement 22 Fund (TRRBX) TRP Retirement 22 Trust TRP Retirement 22 Fund (TRRHX) TRP Retirement 23 Trust TRP Retirement 23 Fund (TRRCX) TRP Retirement 23 Trust TRP Retirement 23 Fund (TRRJX) TRP Retirement 24 Trust TRP Retirement 24 Fund (TRRDX) TRP Retirement 24 Trust TRP Retirement 24 Fund (TRRKX) TRP Retirement 2 Trust TRP Retirement 2 Fund (TRRMX) TRP Retirement 2 Trust TRP Retirement 2 Fund (TRRNX) TRP=T. Rowe Price Extended Core Funds Northern Trust Aggregate Bond Index Fund PIMCO Total Return Fund (PTTRX) Templeton Global Bond Fund (TPINX) } Vanguard Total Bond Market Index Fund, Investor (VBMFX) TRP High Yield Fund (PRHYX) Victory EB Diversified Stock Fund (VIDSX) TRP New Era Fund (PRNEX) Vanguard Growth Index Fund, Investor (VIGRX) } Northern Trust S&P 4 Equity Index Fund Turner Mid-Cap Equity Fund (TMCEX) Vanguard Mid-Cap Index Fund, Investor (VIMSX) } Northern Trust Russell 2 Equity Index Fund Champlain Small Company Fund (CIPSX) Vanguard Small-Cap Index Fund, Investor (NAESX) } Northern Trust All Country World ex-u.s. Equity Index Fund Vanguard Total International Stock Index Fund, Investor (VGTSX) Lazard Emerging Markets Portfolio (LZEMX) Lazard Emerging Markets Portfolio (LZEMX) *Please be advised that the Vanguard Total International Stock Index Fund charges a 2% redemption fee on shares held 6 days or less.
2 In order to ensure a smooth transition, you will be temporarily unable to make transactions in your SSP account from 4 p.m. eastern time on December 28, 29, through January 3, 21. The transition will occur on Thursday December 31, 29, and you will have access on the first business day of the new year, which is January 4, 21. Take another look at your investment choices With new investment options available, it s a good time to review your investment allocation. The charts below give you an idea of how these new investment choices rank in terms of risk and return potential. One-step approach The one-step approach is for those participants who want to invest simply by selecting just one investment option. T. Rowe Price Retirement Funds automatically split your money between stocks and bonds, so you only need to choose one of them. The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate date when investors turn age 6. The funds invest in a broad range of underlying mutual funds that include stocks, bonds, and short-term investments and are subject to the risks of different areas of the market. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus more on income and principal stability during retirement. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility. Higher Risk/Return Potential Lower Risk/Return Potential Retirement Funds Income Choose-your-own portfolio The choose-your-own portfolio approach is for those participants who want more control and choice when deciding on their investment strategy. If you prefer a lot of control over your own investment mix, you can choose among the investment selections below to put together a portfolio that satisfies your own investment strategy. Higher Risk/Return Potential Stock s Bond s Lower Risk/Return Potential Money Market/ Stable Value s Lazard Emerging Markets Portfolio (LZEMX) Vanguard Index Fund, Investor (VFINX) Vanguard Growth Index Fund, Investor (VIGRX) Vanguard Mid-Cap Index Fund, Investor (VIMSX) Vanguard Small-Cap Index Fund, Investor (NAESX) Vanguard Total International Stock Index Fund, Investor (VGTSX) Vanguard Value Index Fund, Investor (VIVAX) Vanguard Total Bond Market Index Fund, Investor (VBMFX) Vanguard Short-Term Treasury Fund, Admiral (VFIRX)
3 Important information about excessive trading and redemption fees To help deter the practice of excessive trading (frequent trades into and out of an investment), T. Rowe Price enforces an excessive trading policy. Potential consequences of excessive trading include the suspension of trading privileges and possible redemption fees (fees designed to discourage short-term trading behavior and protect the funds and their long-term investors). For more information about excessive trading and redemption fees, please call Types of investment changes There are two types of investment changes you can make in your account: An exchange is when you move existing balances among investment options. A mix change is when you change the way future contributions will be invested. Call to request a prospectus, which includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing. Making changes to your account To get investment information or make changes to your account, visit the myretirementplan Web site at rps.troweprice.com. If you need personal assistance, call T. Rowe Price at Representatives are available during business days between 7 a.m. and 1 p.m. eastern time. T. Rowe Price Services, Inc., distributor, T. Rowe Price mutual funds. 4663_ltr_nfa_ DCSSP-12/9
4 T. Rowe Price Retirement 2 as of Category: Target Date 2-21 Target-date portfolios provide diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2-21) for retirement or another goal. These portfolios aim to provide investors with an optimal Value Blend Grwth level of return and risk, based solely on the target date. These portfolios get more conservative as the goal date approaches by investing more in bonds and cash. managers structure these portfolios differently; two funds with the same goal year may have different allocations to equities and therefore Short Inter Long different levels of return and risk. Performance as of Total Return% T. Rowe Price Retirement 2 Morningstar Lifetime Moderate 21 Index High Med Low QQQQQ High Average Out of 127 Target Date 2-21 funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest % of assets in stock funds, 36% in fixed-income funds and 14% in short-term income funds. The fund is nondiversified. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.6 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQQ¹ QQQQQ².. ¹(out of 127 Target Date 2-21 funds) ²(out of 1 Target Date 2-21 funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 17.87% Worst 3-month Period (Sep '8 - Nov '8) -19.9% In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Fund Inception Date: Total Fund Assets($mil): TRRFX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 39.1 Non-U.S. Stocks 1.8 Bonds 41.8 Cash 7.2 Other Total 1. Top 1 Holdings T. Rowe Price Equity Index 31.3 T. Rowe Price New Income T. Rowe Price Short-Term Income T. Rowe Price High-Yield.2 T. Rowe Price International Stock 3.39 T. Rowe Price Overseas Stock 3.6 T. Rowe Price Intl Gr & Inc 2.78 T. Rowe Price Mid-Cap Growth 2.42 T. Rowe Price Mid-Cap Value 2.38 T. Rowe Price Emerging Markets Bond 1.73 Morningstar Sectors Fund % S&P % h Information r Software 4 4 t Hardware 9 1 y Media 2 3 u Telecommunication 8 6 j Service 4 4 i Healthcare Service o Consumer Service 8 9 p Business Service 3 a Financial Service 16 k Manufacturing s Consumer Goods d Industrial Materials f Energy g Utilities 4 4 Total Number of Holdings Annual Turnover Ratio % 37
5 T. Rowe Price Retirement 21 as of Category: Target Date 2-21 Target-date portfolios provide diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2-21) for retirement or another goal. These portfolios aim to provide investors with an optimal Value Blend Grwth level of return and risk, based solely on the target date. These portfolios get more conservative as the goal date approaches by investing more in bonds and cash. managers structure these portfolios differently; two funds with the same goal year may have different allocations to equities and therefore Short Inter Long different levels of return and risk. Performance as of Total Return% T. Rowe Price Retirement 21 Morningstar Lifetime Moderate 21 Index High Med Low 7.74 QQQQ Above Average High Out of 127 Target Date 2-21 funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 9.% of assets in stock funds, 31.% in fixed income funds and 9.% in short-term income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.64 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQQ².. ¹(out of 127 Target Date 2-21 funds) ²(out of 1 Target Date 2-21 funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 2.7% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Fund Inception Date: Total Fund Assets($mil): 3,677.7 TRRAX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 4.2 Non-U.S. Stocks 13.4 Bonds 34. Cash.7 Other Total 1. Top 1 Holdings T. Rowe Price Equity Index T. Rowe Price New Income 23.6 T. Rowe Price Short-Term Income 7.71 T. Rowe Price High-Yield.74 T. Rowe Price Growth Stock 4.93 T. Rowe Price Value 4.92 T. Rowe Price International Stock 3.94 T. Rowe Price Overseas Stock 3.9 T. Rowe Price Intl Gr & Inc 3.2 T. Rowe Price Mid-Cap Value 2.88 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 41 4 i Healthcare Service o Consumer Service 9 9 p Business Service 3 a Financial Service 16 k Manufacturing s Consumer Goods d Industrial Materials f Energy g Utilities 4 4 Total Number of Holdings 17 Annual Turnover Ratio % 27
6 T. Rowe Price Retirement 2 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 211-2) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 2 Morningstar Lifetime Moderate 2 Index Long High Med Low QQQ Above Average High Out of 69 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 68.% of assets in stock funds, 26.% in fixed income funds and % in short-term income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.69 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQ².. ¹(out of 69 Target Date funds) ²(out of 2 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 23.24% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil): 3,72.8 TRRGX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks.7 Non-U.S. Stocks.6 Bonds 27.6 Cash 4.9 Other Total 1. Top 1 Holdings T. Rowe Price Equity Index 23. T. Rowe Price New Income 18.6 T. Rowe Price Growth Stock 9.84 T. Rowe Price Value 9.8 T. Rowe Price High-Yield.84 T. Rowe Price International Stock 4.4 T. Rowe Price Short-Term Income 4.4 T. Rowe Price Overseas Stock 4.4 T. Rowe Price Intl Gr & Inc 3.6 T. Rowe Price Mid-Cap Value 3.33 Morningstar Sectors Fund % S&P % h Information r Software 4 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 41 4 i Healthcare Service o Consumer Service 1 9 p Business Service 6 3 a Financial Service 14 k Manufacturing s Consumer Goods 1 11 d Industrial Materials f Energy g Utilities 3 4 Total Number of Holdings 18 Annual Turnover Ratio % 24
7 T. Rowe Price Retirement 22 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 22 Morningstar Lifetime Moderate 22 Index Long High Med Low QQQQ High High Out of 17 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 76% of assets in stock funds, 21.% in fixed-income funds 2.% in short-term income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.73 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQQ².. ¹(out of 17 Target Date funds) ²(out of 48 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 2.1% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil): 6, TRRBX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks.4 Non-U.S. Stocks 18.2 Bonds 21.1 Cash 4.4 Other Total 1. Top 1 Holdings T. Rowe Price Equity Index T. Rowe Price Growth Stock T. Rowe Price Value T. Rowe Price New Income 14.1 T. Rowe Price High-Yield. T. Rowe Price International Stock.3 T. Rowe Price Overseas Stock 4. T. Rowe Price Intl Gr & Inc 4.9 T. Rowe Price Mid-Cap Value 3.62 T. Rowe Price Mid-Cap Growth 3.6 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 42 4 i Healthcare Service o Consumer Service 1 9 p Business Service 6 3 a Financial Service 14 k Manufacturing 3 37 s Consumer Goods 1 11 d Industrial Materials f Energy g Utilities 3 4 Total Number of Holdings 17 Annual Turnover Ratio % 18
8 T. Rowe Price Retirement 22 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 22 Morningstar Lifetime Moderate 22 Index Long High Med Low QQQ Above Average Above Average Out of 1 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 83% of assets in stock funds and 16.% in fixed-income funds and.% short-term income. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.76 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQ².. ¹(out of 1 Target Date funds) ²(out of 13 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 27.6% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil): 3, TRRHX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 9.8 Non-U.S. Stocks 2. Bonds.4 Cash 3.7 Other Total 1. Top 1 Holdings T. Rowe Price Growth Stock T. Rowe Price Value T. Rowe Price Equity Index 16.4 T. Rowe Price New Income 1.49 T. Rowe Price International Stock.43 T. Rowe Price High-Yield 4.8 T. Rowe Price Overseas Stock 4.8 T. Rowe Price Intl Gr & Inc 4.36 T. Rowe Price Mid-Cap Growth 3.94 T. Rowe Price Mid-Cap Value 3.91 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 42 4 i Healthcare Service o Consumer Service 1 9 p Business Service 6 3 a Financial Service 14 k Manufacturing 3 37 s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 18 Annual Turnover Ratio % 17
9 T. Rowe Price Retirement 23 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 23 Morningstar Lifetime Moderate 23 Index Long High Med Low QQQQ High High Out of 13 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 88.% of assets in stock funds and 11.% in fixed-income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.78 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQQQ².. ¹(out of 13 Target Date funds) ²(out of 4 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 29.6% Worst 3-month Period (Sep '8 - Nov '8) -33.1% In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil):,34.72 TRRCX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 63. Non-U.S. Stocks 21.7 Bonds 1.8 Cash 3.8 Other Total 1. Top 1 Holdings T. Rowe Price Value T. Rowe Price Growth Stock 21.6 T. Rowe Price Equity Index 13. T. Rowe Price New Income 6.9 T. Rowe Price International Stock.82 T. Rowe Price Overseas Stock.16 T. Rowe Price Intl Gr & Inc 4.9 T. Rowe Price Mid-Cap Growth 4.19 T. Rowe Price Mid-Cap Value 4.18 T. Rowe Price High-Yield 3.47 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 42 4 i Healthcare Service o Consumer Service 11 9 p Business Service 6 3 a Financial Service k Manufacturing 3 37 s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 16 Annual Turnover Ratio % 12
10 T. Rowe Price Retirement 23 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 23 Morningstar Lifetime Moderate 23 Index Long High Med Low QQQ Average Above Average Out of 46 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 92.% of assets in stock funds and 7.% in fixed-income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.79 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQ².. ¹(out of 46 Target Date funds) ²(out of 13 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 3.2% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil): 2, TRRJX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 6.6 Non-U.S. Stocks 22.6 Bonds 7.3 Cash 3.7 Other Total 1. Top 1 Holdings T. Rowe Price Value 23.2 T. Rowe Price Growth Stock 23. T. Rowe Price Equity Index T. Rowe Price International Stock.94 T. Rowe Price Overseas Stock.2 T. Rowe Price Intl Gr & Inc 4.76 T. Rowe Price New Income 4.49 T. Rowe Price Mid-Cap Value 4.39 T. Rowe Price Mid-Cap Growth 4.38 T. Rowe Price Emerging Markets Stock 3.48 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 9 6 j Service 43 4 i Healthcare Service o Consumer Service 11 9 p Business Service 7 3 a Financial Service k Manufacturing s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 17 Annual Turnover Ratio % 11
11 T. Rowe Price Retirement 24 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth Short Inter Performance as of Total Return% T. Rowe Price Retirement 24 Morningstar Lifetime Moderate 24 Index Long High Med Low QQQQQ High Above Average Out of 9 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 92.% of assets in stock funds and 7.% in fixed income funds. While the fund is nondiversified, it invests in diversified underlying funds. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.79 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQQ¹ QQQQQ².. ¹(out of 9 Target Date funds) ²(out of 4 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 3.16% Worst 3-month Period (Sep '8 - Nov '8) -34.1% In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: Total Fund Assets($mil): 2,999.1 TRRDX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 6. Non-U.S. Stocks 22.7 Bonds 7.3 Cash 3.7 Other Total 1. Top 1 Holdings T. Rowe Price Value T. Rowe Price Growth Stock T. Rowe Price Equity Index 11.8 T. Rowe Price International Stock 6.8 T. Rowe Price Overseas Stock.31 T. Rowe Price Intl Gr & Inc 4.7 T. Rowe Price New Income 4.48 T. Rowe Price Mid-Cap Growth 4.39 T. Rowe Price Mid-Cap Value 4.3 T. Rowe Price Emerging Markets Stock 3.44 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 9 6 j Service 43 4 i Healthcare Service o Consumer Service 11 9 p Business Service 6 3 a Financial Service k Manufacturing s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 16 Annual Turnover Ratio % 1
12 T. Rowe Price Retirement 24 as of Category: Target Date Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years ) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth High Med Low QQQ Above Average Above Average Out of 4 Target Date funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 92.% of assets in stock funds and 7.% in fixed- income funds. While the fund is nondiversified, it invests in diversified underlying funds. Short Inter Performance as of Total Return% T. Rowe Price Retirement 24 Morningstar Lifetime Moderate 24 Index Long 2. information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.79 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹... ¹(out of 4 Target Date funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 3.19% Worst 3-month Period (Sep '8 - Nov '8) -34.6% In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Fund Inception Date: -31- Total Fund Assets($mil): 1,7.6 TRRKX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 6.7 Non-U.S. Stocks 22. Bonds 7.3 Cash 3.7 Other Total 1. Top 1 Holdings T. Rowe Price Value T. Rowe Price Growth Stock T. Rowe Price Equity Index T. Rowe Price International Stock.9 T. Rowe Price Overseas Stock.21 T. Rowe Price Intl Gr & Inc 4.73 T. Rowe Price New Income 4.7 T. Rowe Price Mid-Cap Value 4.39 T. Rowe Price Mid-Cap Growth 4.36 T. Rowe Price Emerging Markets Stock 3.49 Morningstar Sectors Fund % S&P % h Information r Software 3 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 43 4 i Healthcare Service o Consumer Service 11 9 p Business Service 7 3 a Financial Service k Manufacturing s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 16 Annual Turnover Ratio % 12
13 T. Rowe Price Retirement 2 as of *.*.* *Fund too new to rate. Category: Target Date 2+ Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2 and beyond) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth High Med Low The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 92.% of assets in stock funds and 7.% in fixed-income funds. While the fund is nondiversified, it invests in diversified underlying funds. Short Inter Long Performance as of Note: This is a new fund; therefore, historical information is limited. Total Return% T. Rowe Price Retirement 2 Morningstar Lifetime Moderate 2 Index information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.79 1 Month 3 Month 6 Month 1 Year Inception YTD 1 Month 3 Month 6 Month 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating Best 3-month Period (Mar '9 - May '9) 3.% Worst 3-month Period (Sep '8 - Nov '8) -34.1% The volatility measure is not displayed for investments with fewer than three years of history. The category average, however, is shown above. Fund Inception Date: Total Fund Assets($mil): TRRMX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 64.8 Non-U.S. Stocks 22. Bonds 7. Cash 4.4 Other Total 1. Top 1 Holdings T. Rowe Price Value 23.2 T. Rowe Price Growth Stock T. Rowe Price Equity Index T. Rowe Price International Stock 6.1 T. Rowe Price Overseas Stock.28 T. Rowe Price Intl Gr & Inc 4.73 T. Rowe Price New Income 4.6 T. Rowe Price Mid-Cap Growth 4.42 T. Rowe Price Mid-Cap Value 4.4 T. Rowe Price Emerging Markets Stock 3.4 Morningstar Sectors Fund % S&P % h Information r Software 4 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 42 4 i Healthcare Service o Consumer Service 11 9 p Business Service 6 3 a Financial Service 13 k Manufacturing 3 37 s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 16 Annual Turnover Ratio % 8
14 T. Rowe Price Retirement 2 as of *.*.* *Fund too new to rate. Category: Target Date 2+ Target-date portfolios provide a diversified exposure to stocks, bonds, and cash for those investors who have a specific date in mind (in this case, the years 2 and beyond) for retirement or another goal. These portfolios aim to provide investors with an optimal level of return and risk, based solely on the target date. Over time, management adjusts the allocation among asset classes to more conservative mixes as the target date approaches. Value Blend Grwth High Med Low The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 92.% of assets in stock funds and 7.% in fixed-income funds. While the fund is nondiversified, it invests in diversified underlying funds. Short Inter Long Performance as of Note: This is a new fund; therefore, historical information is limited. Total Return% T. Rowe Price Retirement 2 Morningstar Lifetime Moderate 2 Index information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.79 1 Month 3 Month 6 Month 1 Year Inception YTD 1 Month 3 Month 6 Month 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating Best 3-month Period (Mar '9 - May '9) 3.11% Worst 3-month Period (Sep '8 - Nov '8) -34.4% The volatility measure is not displayed for investments with fewer than three years of history. The category average, however, is shown above. Fund Inception Date: Total Fund Assets($mil): TRRNX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 64. Non-U.S. Stocks 22.6 Bonds 7.6 Cash 4.4 Other Total 1. Top 1 Holdings T. Rowe Price Growth Stock T. Rowe Price Value T. Rowe Price Equity Index 11.8 T. Rowe Price International Stock 6.16 T. Rowe Price Overseas Stock.41 T. Rowe Price Intl Gr & Inc 4.81 T. Rowe Price New Income 4.47 T. Rowe Price Mid-Cap Growth 4.4 T. Rowe Price Mid-Cap Value 4.33 T. Rowe Price Emerging Markets Stock 3.22 Morningstar Sectors Fund % S&P % h Information r Software 4 4 t Hardware 8 1 y Media 3 3 u Telecommunication 8 6 j Service 42 4 i Healthcare Service o Consumer Service 11 9 p Business Service 6 3 a Financial Service 13 k Manufacturing 3 37 s Consumer Goods 1 11 d Industrial Materials f Energy 1 12 g Utilities 3 4 Total Number of Holdings 17 Annual Turnover Ratio % 19
15 T. Rowe Price Retirement Income as of Category: Retirement Income Retirement income portfolios provide a mix of stocks, bonds and cash for those investors already in or entering retirement. These portfolios tend to be managed to more of a conservative asset allocation strategy. These portfolios aim to provide investors with steady income throughout retirement. Value Blend Grwth High Med Low QQQQ High Above Average Out of 8 Retirement Income funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a set of underlying T. Rowe Price mutual funds representing various asset classes and sectors. It expects to invest 42.% of assets in stock funds, 27.% in fixed-income funds 3.% in short-term income funds. While the fund is nondiversified, it invests in diversified underlying funds. Performance as of Total Return% Short Inter T. Rowe Price Retirement Income Morningstar Lifetime Moderate Income Index Long 6.47 information current to the most recent month end, please call , or visit our Expenses (as of 1-1-9) Prospectus Net Expense Ratio.8 1 Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQ¹ QQQQQ².. ¹(out of 8 Retirement Income funds) ²(out of 47 Retirement Income funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9).34% Worst 3-month Period (Sep '8 - Nov '8) % In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Fund Inception Date: Total Fund Assets($mil): 1, TRRIX Jerome A. Clark, Chartered Financial Analyst (CFA) (1999). M.B.A., Johns Hopkins University. M.S., the Naval Postgraduate School. B.S., U.S. Naval Academy. Edmund M. Notzon III, CFA. B.S., MIT. M.S., Stanford U. Ph.D., Stanford U.... Management Company: T. Rowe Price Associates, Inc. Telephone: Portfolio Profile as of Composition as of Net% U.S. Stocks 32.9 Non-U.S. Stocks 9. Bonds 44.3 Cash 12.7 Other Total 1. Top 1 Holdings T. Rowe Price Short-Term Income T. Rowe Price Equity Index 26.9 T. Rowe Price New Income T. Rowe Price High-Yield.4 T. Rowe Price International Stock 2.8 T. Rowe Price Overseas Stock 2.6 T. Rowe Price Intl Gr & Inc 2.3 T. Rowe Price Mid-Cap Value 2.7 T. Rowe Price Mid-Cap Growth 2.1 T. Rowe Price Emerging Markets Bond 1.49 Morningstar Sectors Fund % S&P % h Information r Software 4 4 t Hardware 9 1 y Media 2 3 u Telecommunication 8 6 j Service 39 4 i Healthcare Service o Consumer Service 9 9 p Business Service 4 3 a Financial Service 13 k Manufacturing s Consumer Goods d Industrial Materials f Energy g Utilities 4 4 Total Number of Holdings Annual Turnover Ratio % 32
16 Lazard Emerging Markets Equity Instl as of Category: Diversified Emerging Mkts Diversified emerging-markets funds invest at least % of stock assets in developing nations. Most funds divide their assets among 2 or more nations, although they tend to focus on the emerging markets of Asia and Latin America rather than on those of the Middle East, Africa, or Europe. Thus, popular destinations include Hong Kong, Korea, Mexico, and Brazil. Whatever their favorite nations, all these funds have the potential for large price swings. Value Blend Growth QQQQ Above Average Average Out of 2 Diversified Emerging Mkts funds. A fund's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, -, and 1-year Ratings. See disclosure for more detail. The investment seeks long-term capital appreciation. The fund normally invests at least 8% of assets in equity securities of companies whose principal business activities are located in emerging market countries but focuses on companies in Latin America, the Pacific Basin and Eastern Europe. It may also engage in foreign currency transactions and lending portfolio securities. Past name(s): Lazard Funds Emerging Markets Portfolio. Performance as of Total Return% Lazard Emerging Markets Equity Instl MSCI EM NR USD Index information current to the most recent month end, please call , or visit our Expenses (as of -1-9) Prospectus Gross Expense Ratio Year 3 Year Year 1 Year Inception YTD 1 Year 3 Year Year 1 Year Inception Fund Return % Standardized Return % % Index Return % Morningstar Rating.. QQQQ¹ QQQQQ² QQQQ³. ¹(out of 2 Diversified Emerging Mkts funds) ²(out of 193 Diversified Emerging Mkts funds) ³(out of 118 Diversified Emerging Mkts funds) Rating is based on a risk-adjusted return. Best 3-month Period (Mar '9 - May '9) 3.7% Worst 3-month Period (Sep '8 - Nov '8) -4.8% In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Redemption Fees:* 1.%/3 days Fund Inception Date: Total Fund Assets($mil): 7,26.1 LZEMX James Donald, Chartered Financial Analyst (CFA). B.A., U of Western Ontario, John R. Reinsberg. M.B.A., Columbia U, B.A., U of Pennsylvania, Rohit Chopra. B.S., Leonard N. Stern School of Business, Management Company: Lazard Asset Management, LLC Telephone: Notes * The redemption fee may not apply to certain types of accounts or transactions. Please consult the fund's prospectus. Portfolio Profile as of Composition as of Net% U.S. Stocks. Non-U.S. Stocks 89.1 Bonds. Cash 1.1 Other Total 1. Top 1 Holdings State Str Instl Invt Tr Treas Mmkt Fd In Oil & Natural Gas Corporation Ltd. 3.6 Lukoil Company ADR 3. Bco Do Brasil Sa 3.6 Philippine Long Distance Telephone ADR 2.74 Redecard S.A Turkiye Is Bankasi 2.67 Mobile TeleSystems ADR 2.6 Shinhan Financial Grp 2.7 P.T. Telekomunikasi Indonesia Tbk. ADR 2.3 Total Number of Stock Holdings 72 Total Number of Bond Holdings Annual Turnover Ratio % 43 Top Five Countries Brazil 14.2 South Africa South Korea 1.74 Mexico 7.92 Russia 7.61
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