THE HOW DO I CHOOSE MY INVESTMENTS CHALLENGE
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2 THE HOW DO I CHOOSE MY INVESTMENTS CHALLENGE
3 Today we ll cover Why is choosing investments properly important? Strategy for selecting investments 2012 Fund Changes and your Deferred Compensation Plan investments Next steps Where to find help 3
4 Why Prudential How Prudential Can Help # 65 $ Yrs. 3.7 Mil. Ranked #65 in the Fortune 500 List of America s Largest Corporations $784 billion in assets under management as of December 31, 2010 Helping people achieve financial security for 135 years Serving over 3.7 million participants and annuitants All data as of December 31,
5 Ongoing Review and Recommendations Alameda County 457(b) and 401(a) Deferred Compensation Plan Consultants and Process Retirement Plan Advisors (RPA) and Global Investment Company (GIC) are the County plans consultants and investment advisors They provide ongoing reviews and recommendations to the Deferred Compensation Plan Officer regarding the Plans overall design, services, investment menu and products As registered investment advisors (RIAs), RPA and GIC are fiduciaries under the plans. The reason Alameda County hired plan sponsor consultants was to be proactive in fulfilling their trustee fiduciary responsibilities and ensure that the plan design, pricing and investment options are and continue to be competitive. It is in the best interest of the plans and the employees to have an independent third party evaluate, recommend and monitor the plans funds rather than utilize a party which is affiliated with other products or services of the plans to avoid any conflict of interest. REVIEW PROCESS The investment option review process incorporates various fund statistical data including but not limited to risk adjusted returns, fees, manager tenure and other benchmark data outlined in the plans Investment Policy Statement (IPS). Changes made in the fund lineup reflect the need for the Plan to comply with the approved Alameda County Investment Policy Statement which outlines the process of replacing/monitoring underperforming funds. The fund review process is done twice per year REVIEW RESULTS Remove 12 under performing funds Remove 4 Medley Retirement Annuity Funds because they are not publically traded mutual funds Retain 15 current funds that meet all plan investment criteria. Add seven new funds to ensure representation in core asset classes or to replace voids left from deleted funds Add four new index funds in addition to existing S&P 500 index fund to offer participants index funds in all major asset categories NOTE: 77.99% of the plans assets remain in the same funds and are not being mapped to new options. 5
6 Fund Changes March 2012 Effective March 27, 2012, the following 11 funds will be added to the investment lineup: Dreyfus International Stock Index Fund (DIISX)* Wasatch World Innovators Fund (WAGTX)* Oppenheimer Developing Markets A Fund (ODMAX)* PIMCO Real Return A Fund (PRTNX)* Eaton Vance Income Fund of Boston A Fund (EVIBX)* Invesco Small Companies A Fund (ATIAX)* PIMCO Real Estate Real Return Strategy A Fund (PETAX)* Dreyfus Bond Market Index Inv Fund (DBMIX)* Dreyfus MidCap Index Fund (PESPX)* Dreyfus Small Cap Stock Index Fund (DISSX)* Legg Mason ClearBridge Equity Inc Bldr A Fund (SOPAX)* *Registered Mutual Fund 6
7 Fund Changes March 2012 Effective March 27, 2012 (after 4:00 pm ET), the following 12 funds will be removed from the Plan: Templeton World A Fund (TEMWX)* AllianceBernstein Global Tech Fund (ALTFX)* Templeton Developing Markets Trust Fund (TEDMX)* Davis NY Venture A Fund (NYVTX)* Prudential MoneyMart Assets Fund (PMZXX)* Medley Equity Account Fund Allianz NFJ Dividend Value A Fund (PNEAX)* Medley Government Income Account Fund Oppenheimer Global Strategic Income Fund (OPSIX)* Medley Diversified Bond Account Fund American Funds Growth Fund of America R3 Fund (RGACX)* Medley Capital Growth Account Fund *Registered Mutual Fund 7
8 Fund Changes March 2012 GoalMaker fund changes Asset Class Old Fund Lineup New Fund Lineup International Stock Templeton World A Fund (TEMWX)* American Funds EuroPacific Growth R3 Fund (RERCX)* Small/Mid Cap Stock - Growth Large Cap Stock - Value Fixed Income Franklin Flex Cap Fund (FKCGX)* American Funds Fundamental Investors R3 Fund (RFNCX)* Medley Government Income Account Prudential Jennison Mid Cap Growth Class Z (PEGZX)* Legg Mason ClearBridge Equity Inc Bldr A Fund (SOPAX)* Delaware Diversified Income Fund (DPDFX) Effective after 4:00 pm ET on March 28, 2012, the following funds will be removed from the Plan: Templeton World A Fund (TEMWX)* Medley Government Income Account Fund *Registered Mutual Fund 8
9 Fund Changes March 2012 Effective March 27, 2012, funds to be mapped/transferred Balances in & future contributions to this fund Templeton World A Fund (TEMWX)* AllianceBernstein Global Tech Fund (ALTFX)* Templeton Developing Markets Trust Fund (TEDMX)* Davis NY Venture A Fund (NYVTX)* Prudential MoneyMart Assets Fund (PMZXX)* Medley Government Income Account Medley Equity Account Fund American Funds Growth Fund of America R3 Fund (RGACX)* Are automatically invested into This fund Wasatch World Innovators Fund (WAGTX)* Oppenheimer Developing Markets A Fund (ODMAX)* American Funds Fundamental Investors R3 Fund (RFNCX)* Prudential Stable Value Fund Prudential Jennison Growth Fund Class Z (PJFZX)* Medley Capital Growth Account Allianz NFJ Dividend Value A Fund (PNEAX)* Oppenheimer Global Strategic Income Fund (OPSIX)* Medley Diversified Bond Account Legg Mason ClearBridge Equity Inc Bldr A Fund (SOPAX)* Delaware Diversified Income Fund (DPDFX)* 9
10 Fund Changes: What you need to do If you re satisfied with the fund changes, you don t need to do anything To redirect your assets, you must take action by 4:00 pm ET on March 27, 2102 visiting Review your investments at least annually. 10
11 Understand your plan s investment options Fixed income funds invest in bonds (loans to companies or government agencies) and preferred stock. Stable value funds pay a rate of return, promised by financial institutions, for a stated period of time. Stock funds invest in shares (ownership) of companies and participate in the profits and losses. Stable Value Funds Fixed Income Funds Stock Funds 11
12 Risk vs. Reward Understand an investment s risk vs. reward This is a simplified illustration of the relationship between investment risk and potential rate of return. There is no assurance that higher risk investments will provide greater returns over time. Past performance is not indicative of future performance. 12
13 Choosing your investments: Step 1 Determine your: Years until retirement Investor style (Please try our Investor Style Quiz) Conservative Moderate Aggressive 13
14 Choosing your investments: Step 2 Identify your model portfolio Based on your style code The asset allocation models are provided as samples and not as investment recommendations. The model portfolios are based on generally accepted investment practices and take into account the principles of modern portfolio theory, in which allocations are adjusted in an effort to achieve maximum returns for a given level of risk. You may want to consider other assets, income, and investments you may have before applying these models to your individual situation. Consult the prospectus for information about how the portfolio manager invests the assets of any particular investment option. Proposed allocations assume a retirement withdrawal period of 15 years. Past performance of investments or asset classes does not guarantee future results. Source: Prudential Retirement. 14
15 Put your investment plan into action! You have three options: 1. Do it yourself 2. Use GoalMaker 3. Get help 15
16 Choosing your investments: Step 3 (Investments effective March 27, 2012) Stable Value Fund Delaware Diversified Income Fund American Funds American Balanced American Funds Fundamental Inv Prudential Stock Index Fund Franklin Flex Cap Growth Prudential Jennison Growth Fund Goldman Sachs Mid Cap Value Ariel Appreciation Fund Prudential Jennison Mid Cap Growth Delaware Small Cap Value Prudential Jennison Small Company Fund Americans Fund EuorPacific Growth Mutual European Black Rock Health Sciences Dreyfus International Stock Index Fund Wasatch World Innovators Fund Oppenheimer Developing Markets PIMCO Real Return A Fund Eaton Vance Income Fund of Boston Invesco Small Companies A Fund PIMCO Real Estate Real Return Strategy A Fund Dreyfus Bond Market Index Inv Fund Dreyfus MidCap Index Fund Dreyfus Small Cap Stock Index Fund Legg Mason ClearBridge Equity Inc Bldr Fund *Registered Mutual Fund 16
17 There s no perfect investment Market Inflation Longevity Retirement Savings $10 $0 17
18 Keeping your invest plan working for you 3 important elements Monitoring Rebalancing (at least annually) Adjusting over time 18
19 Actions you can take to work toward a better tomorrow Consolidate Increase your contributions regularly Catch-Up by making additional contributions if you re 50 or over and meet eligibility requirements* Enroll in your employer s retirement plan Allocate your investments your retirement plans 19
20 Account tools for your better tomorrow Retirement statement Toll-free number
21 Thanks for coming! Investors should consider the fund s investment objectives, risks, charges and expenses before investing. The prospectus, and if available the summary prospectus, contain complete information about the investment options available through your plan. Please call for a free prospectus and if available, a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available carefully before investing. It is possible to lose money when investing in securities. Shares of the registered mutual funds are offered by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 4th Floor, Newark, NJ PIMS is a Prudential Financial company. Prudential Retirement is a Prudential Financial business. Retirement Counselors are registered representatives of PIMS. Retirement Counselors are registered representatives of Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ PIMS is a Prudential Financial company. An investment in the money market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Barclays Capital U.S. Aggregate Bond Index: This index covers the U.S. investment grade fixed rate bond market (measuring bonds with maturities of at least one year), with index components for government and corporate securities, mortgage pass-through securities, and asset backed securities. These major sectors are subdivided into more specific indices that are calculated and reported on a regular basis. 5-Year Treasury Average Yield: The average daily treasury yield for U.S. Treasury Notes with a maturity of five years (negotiable debt obligations of the U.S. Government, considered intermediate in maturity). Russell Top 200 Index: A market capitalization weighted index of the largest 200 companies in the Russell The Russell Top 200 Index is a benchmark index for U.S.-based large-cap stocks: the average member has a market cap above $100 billion. The index is reconstituted annually to account for new members and growing companies. Russell Midcap Index: A market capitalization-weighted index that measures the performance of the 800 smallest companies in the Russell 1000 Index, which represent approximately 30% of the total market capitalization of the Russell 1000 Index. 21
22 Important Information Wells Fargo & Company is the majority owner of Wells Fargo Advisors, LLC. H.D. Vest Investment Services SM, Member SIPC Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company. Wells Fargo companies and Emerge Financial Group are not affiliated with Prudential Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates. (PRIAC), Hartford, CT, a Prudential Financial company. Amounts withdrawn before age 59½ may be subject to a 10 percent federal income tax penalty, applicable taxes and plan restrictions. Withdrawals are taxed at ordinary income tax rates. See plan information regarding limitations on withdrawals from your retirement plan. Individuals should consult their tax advisors or legal counsel for advice and information concerning their particular situation. Neither Prudential Retirement, nor any of its representatives, may give legal or tax advice. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
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