Pacific Mutual Door Company Partnership 401k Profit Sharing Plan 1
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1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Model Portfolio Questionnaire we make it easy to stay on track Your results from the following questions can help you determine which CP Model Portfolio may be right for you. Note: You should periodically revisit your tolerance for risk as your time horizon to beginning distribution shortens. #1. How many years until you reach age 65? #2. At retirement, when will you begin making More than 15 years (10 points) withdrawals from your retirement plan? Between 15 and 10 years (8 points) Immediately after I retire (1 point) Between 10 and 5 years (5 points) Within 5 years after I retire (2 points) Less than 5 years (2 points) More than 5 years after I retire (3 points) #3. Suppose you owned a well diversified portfolio that declined 20% in a short period of time in a volatile market environment. Assuming you still have 10 years until you begin taking withdrawals, what, if any, action would you take? I would move more of my balance into aggressive investment options at this time (10 points) I would not change my portfolio at this time (9 points) I would consider changing my portfolio but most likely wait at least a year (6 points) I would make a change to more conservative investment option with some of my balances within the next three months (4 points) I would immediately move all of my balances to a more conservative investment option. (3 points) #4. How do you feel about this statement I am comfortable with the investments that may frequently experience large declines in value if there is a potential for higher returns? Strongly Agree (5 points) Agree (3 points) Disagree (2 points) Strongly disagree (1 point) #5. Which situation best describes your return expectations from your retirement plan? My return should significantly exceed inflation and I am comfortable with short-term volatility (6 points) My return should be slightly more than inflation with some volatility (3 points) My return should keep pace with inflation (2 points) I just want to preserve capital (1 point) If you scored 29 or greater than consider the CP Aggressive Model If you scored 28 to 25 than consider the CP Moderate-Aggressive Model If you scored 24 to 20 than consider the CP Moderate Model If you scored 19 to 14 than consider the CP Conservative-Moderate Model If you scored 13 or less than consider the CP Conservative Model After you have determined which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. As an alternative to the website, you can call DailyAccess directly at 1.888.307.4015 and instruct the representative to direct future and existing balances into the appropriate model. To help take a step toward long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading retirement funds among different types of investment options can help you achieve a favorable rate of return, while helping minimize your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or particular security, to perform very well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, retirement funds may not be properly diversified. Although diversification is not a guarantee against loss, it can be an effective strategy to help you manage investment risk. The CP Models quarterly fee is.001 of assets. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Conservative Model Portfolio we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Conservative Model Portfolio is a risk based portfolio in which Creative Planning, Inc. conducts investment selections on behalf of plan participants. CP Conservative Model Portfolio Appropriate for someone who emphasizes capital preservation over growth and wants to keep pace or exceed the rate of inflation over the long-term. The objective of the CP Conservative Model is to provide little exposure to stocks and mostly made up of fixed income securities. Creative Planning has discretionary authority to make adjustments to this strategy within the given risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. You should carefully consider whether such a strategy is suitable for you in consideration of your individual circumstances. Consult with your financial advisor or an advisor from Creative Planning to assist with your investment decision. Balances invested in the models are assessed a quarterly fee of.001, which is less than ½ of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. After you have determined which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Perspectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Conservative-Moderate Model Portfolio we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Conservative-Moderate Model Portfolio is a risk based portfolio in which Creative Planning, Inc. conducts investment selections on behalf of plan participants. CP Conservative-Moderate Model Portfolio Appropriate for someone who wants reduced volatility while still maintaining the potential to out perform the rate of inflation. The objective of the CP Conservative-Moderate Model is to provide some exposure to stocks and an emphasis on fixed income securities. Creative Planning has discretionary authority to make adjustments to this strategy within the given risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. You should carefully consider whether such a strategy is suitable for you in consideration of your individual circumstances. Consult with your financial advisor or an advisor from Creative Planning to assist with your investment decision. Balances invested in the models are assessed a quarterly fee of.001, which is less than ½ of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. After you have determined which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Perspectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Balanced Model we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Balanced Model is the designated default investment option for your retirement plan. CP Balanced Model Participants using this model should select the most appropriate CP Model or investments for their situation. The objective of the CP Balanced Model is to provide the potential for growth with less volatility than is typically associated with more aggressive models. The CP Balanced Model will have a balanced exposure to stocks and bonds. Creative Planning has discretionary authority to make adjustments to this strategy within the give risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. Participants can transfer out of the CP Balance Model at anytime with no redemption or transfer fee. Your investment selection is an important one, consult with your financial advisor or an advisor from Creative Planning at 1.866.909.5148 for assistance with your investment decision. Balances invested in the models are assessed a quarterly fee of.001, which is less than ½ of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. If you already know which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Prospectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Moderate Model Portfolio we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Moderate Model Portfolio is a risk based portfolio in which Creative Planning, Inc. conducts investment selections on behalf of plan participants. CP Moderate Model Portfolio Appropriate for someone who wants a balanced approach to investing. The objective of the CP Moderate Model is to provide a blend of exposure to stocks and bonds. You should carefully consider whether such a strategy is suitable for you in consideration of your individual circumstances. The Creative Planning Moderate CP Model will have a balanced exposure to stocks and bonds. Creative Planning has discretionary authority to make adjustments to this strategy within the give risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. Consult with your financial advisor or an advisor from Creative Planning to assist with your investment decision. Balances invested in the models are assessed a quarterly fee of.001, which is less than 1 /2 of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. If you already know which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Perspectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Moderate-Aggressive Model Portfolio we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Moderate-Aggressive Model Portfolio is a risk based portfolio in which Creative Planning, Inc. conducts investment selections on behalf of plan participants. CP Moderate-Aggressive Model Portfolio Appropriate for someone whose main objective is long-term growth and who is comfortable with assuming significant risk and volatility. Account balances may fluctuate considerably with this CP Model. You should carefully consider whether such a strategy is suitable for you in consideration of your individual circumstances. The CP Moderate- Aggressive Model will have high exposure to stocks, with real estate and fixed income securities as part of the strategy. Creative Planning has discretionary authority to make adjustments to this strategy within the give risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. Consult with your financial advisor or an advisor from Creative Planning to assist with your investment decision. Balances invested in the models are assessed a quarterly fee of.001, which is less than ½ of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. If you already know which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Perspectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
1.866.909.5148 3400 College Blvd. Leawood, KS 66211 www.the401kadvocate.com CP Aggressive Model Portfolio we make it easy to stay on track We understand there are many demands for your time. Have you ever felt your retirement plan has not received sufficient attention? Regardless of your answer it may be comforting knowing you have access to professional asset allocation directly through your company sponsored retirement plan. The CP Model Portfolios are made available to you through a partnership between your employer and Creative Planning, Inc. The CP Aggressive Model Portfolio is a risk based portfolio in which Creative Planning, Inc. conducts investment selections on behalf of plan participants. CP Aggressive Model Portfolio Appropriate for someone whose main objective is long-term growth and who is comfortable with substantial volatility. An investor could lose a substantial portion of his/her investment by investing in this CP Model. You should therefore, consider whether such a strategy is suitable for you in consideration of your circumstances. The CP Aggressive Model will have the highest exposure to stocks, with an increased emphasis on stocks that tend to provide the greatest amount of risk. Creative Planning has discretionary authority to make adjustments to this strategy within the given risk category. Investment options can be added or removed without prior notification to plan participants. At anytime you can view the current investment selections being used within the CP Model. It s recommended that you consult with your financial advisor or an advisor from Creative Planning before making an investment in this portfolio. Balances invested in the models are assessed a quarterly fee of.001, which is less than 1 /2 of 1% of assets. As your balances grow and your time to retirement shrinks it is generally a good idea to adjust your strategy to a more conservative approach. Advisors from Creative Planning are available to discuss which model may be appropriate for you and when you should make adjustments to your strategy. Call toll-free 1.866.909.5148 to discuss the model that is right for you. If you already know which model makes the most sense for your situation you can log on at www.dailyaccess.com and modify your account to transfer existing balances and change future investment elections for the model you have selected. Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges and expenses of the funds or CP Models. The quarterly CP Model fee is.001 of assets and the information regarding the underlying investments is contained in the free prospectus, which can be obtained by selecting the link attached to the name of each fund and select Fund Perspectus while logged onto www.dailyaccess.com. Information about the models and underlying investments is also available by calling 1.866.909.5148. f r o m h i r e t o r e t i r e a n d b e y o n d T h i n k i n g B e y o n d...
Vanguard Prime Money Market Fund (Inv) Morningstar: Category Money Market Taxable The Fund seeks to provide current income while maintaining liquidity and a stable share price of $1. The Fund invests primarily in high-quality, short-term money market instruments, including certificates of deposit, banker's acceptances, commercial paper, and other money market securities. Characteristics Asset Class... Cash/Stable Value Ticker... VMMXX Fund Inception... 06/04/1975 Share Class Inception... 06/04/1975 Fund Manager... David Glocke Manager Tenure (yrs.)... 8.00 Management Style... Active Turnover (%)... NA Total Net Assets ($mil.)... 111677.61 7-day Yield (%)... 0.04 Largest Holdings (02/28/2011) Liabilities... 3.36% Federal Home Loan Mortgage Corp. 0.353%... 2.97% Federal National Mortgage Assn. 0.192%... 2.75% Federal Home Loan Mortgage Corp. 0.201%... 2.30% United States Treasury Bill 0.194%... 2.20% Federal National Mortgage Assn. 0.161%... 1.83% United States Treasury Bill 0.185%... 1.83% United States Treasury Bill 0.225%... 1.83% United States Treasury Bill 0.145%... 1.67% Federal National Mortgage Assn. 0.282%... 1.62% Fund investments change daily and may differ. Asset Allocation (02/28/2011) Cash... 93.64% Foreign Bond... 6.36% Risk/Return Metrics Standard Deviation... 0.26 Beta... NA R-squared... NA Sharpe Ratio... 1.61 Fee Summary Gross Expense Ratio (08/31/2010)... 0.23% Net Expense Ratio... 0.23% Management Fee... 0.19% 12b-1 Fee... NA Other Expenses... 0.04% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 0.02% 0.08% 0.61% 2.21% 2.15% Benchmark* 0.01% 0.12% 0.27% 1.74% 1.92% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 4.16% 1.65% 0.90% 1.11% 3.01% 4.88% 5.14% 2.77% 0.53% 0.06% Benchmark* 3.83% 1.65% 1.02% 1.17% 2.94% 4.76% 4.51% 1.50% 0.11% 0.13% *The Morningstar Cash Index includes Treasury bills with six to eight weeks until maturity. You cannot invest in an index. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investments in money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market funds. The 7 day yield more closely reflects the Fund's current earnings than the quotation of total return. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
PIMCO Total Return Fund (I) Morningstar: Category Intermediate-Term Bond 3-Year Risk Rating Average 3-Year Performance Rating High The Fund seeks maximum total return, consistent with preservation of capital and prudent investment management. The Fund normally invests primarily in a diversified portfolio of fixed income instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts or swap agreements. Ltd. Mod. Ext. Int.-Rate Sensitivity High Med. Low Quality Characteristics Asset Class... Bond Ticker... PTTRX Fund Inception... 05/11/1987 Share Class Inception... 05/11/1987 Fund Manager... William Gross Manager Tenure (yrs.)... 24.15 Management Style... Active Turnover (%)... 430.00 Total Net Assets ($mil.)... 242787.24 30-day Yield (%)... 2.61 Duration (yrs.)... 5.05 Fee Summary Gross Expense Ratio (03/31/2011)... 0.47% Net Expense Ratio... 0.46% Management Fee... 0.46% 12b-1 Fee... NA Other Expenses... 0.01% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Bond Sectors (03/31/2011) Pass-Through... 29.26% U.S. Corporate... 29.26% Foreign Government... 14.63% Foreign Corporate... 7.32% Treasury... 4.88% Municipals... 4.88% TIPs... 3.66% CMO... 3.66% Agency... 1.22% ARM... 1.22% Fund investments change daily and may differ. Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 1.86% 5.93% 9.46% 8.87% 7.38% Benchmark* 3.03% 4.80% 6.89% 7.13% 6.14% Asset Allocation (03/31/2011) Domestic Bond... 58.27% Other... 27.56% Foreign Bond... 13.34% Cash... 0.37% Preferreds... 0.36% Convertibles... 0.09% Risk/Return Metrics Standard Deviation... 4.43 Beta... 0.89 R-squared... 68.92 Sharpe Ratio... 1.98 Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 9.50% 10.20% 5.56% 5.14% 2.89% 3.99% 9.07% 4.82% 13.83% 8.83% Benchmark* 9.56% 12.35% 4.63% 3.80% 0.89% 4.17% 8.51% 6.81% 4.56% 7.45% *The Morningstar Intermediate US Govt./Corp. Bond Index is an unmanaged index of U.S. government and corporate bonds with maturities between four and seven years or longer. You cannot invest in an index. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at allianzinvestors.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at allianzinvestors.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
American Funds Capital World Bond Fund (R5) Morningstar: Category World Bond 3-Year Risk Rating Average 3-Year Performance Rating Average The Fund seeks, over the long term, a high level of total return consistent with prudent management. The Fund invests primarily in investment-grade bonds issued by entities based around the world and denominated in various currencies, including U.S. dollars. The Fund may also invest in lower quality, higher yielding debt securities. Ltd. Mod. Ext. Int.-Rate Sensitivity High Med. Low Quality Characteristics Asset Class... Bond Ticker... RCWFX Fund Inception... 08/04/1987 Share Class Inception... 05/15/2002 Fund Manager... James Mulally Manager Tenure (yrs.)... 23.92 Management Style... Active Turnover (%)... 80.00 Total Net Assets ($mil.)... 12122.43 30-day Yield (%)... 3.14 Duration (yrs.)... 4.93 Bond Sectors (06/30/2011) Foreign Government... 55.84% Foreign Corporate... 16.42% U.S. Corporate... 12.78% Treasury... 5.50% Pass-Through... 5.21% TIPs... 1.60% CMO... 1.59% Municipals... 0.52% Agency... 0.40% Asset-Backed... 0.15% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Foreign Bond... 68.26% Domestic Bond... 28.82% Other... 2.21% Cash... 0.69% Domestic Stock... 0.02% Risk/Return Metrics Standard Deviation... 9.40 Beta... 1.69 R-squared... 56.15 Sharpe Ratio... 0.64 Fee Summary Gross Expense Ratio (09/30/2010)... 0.59% Net Expense Ratio... 0.59% Management Fee... 0.45% 12b-1 Fee... NA Other Expenses... 0.14% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 2.89% 11.31% 6.06% 7.34% 8.53% Benchmark* 3.10% 10.37% 5.58% 7.17% NA Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 1.53% 16.73% 19.11% 11.76% -2.65% 7.94% 8.89% -0.32% 10.92% 6.26% Benchmark* NA 19.24% 14.72% 10.13% -6.91% 6.07% 10.82% 10.45% 2.55% 4.83% *The Morningstar Global Government Bond Index is an unmanaged index of bonds issued by governments with developed markets and denominated in the official currency of each country. You cannot invest in an index. There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at americanfunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at americanfunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
PIMCO Emerging Local Bond Fund (I) Morningstar: Category Emerging Markets Bond 3-Year Risk Rating Above Average 3-Year Performance Rating Above Average The Fund seeks maximum total return, consistent with preservation of capital and prudent investment management. The Fund normally invests primarily in fixed income instruments denominated in currencies of countries with emerging securities markets. Ltd. Mod. Ext. Int.-Rate Sensitivity High Med. Low Quality Characteristics Asset Class... Bond Ticker... PELBX Fund Inception... 12/29/2006 Share Class Inception... 12/29/2006 Fund Manager... Michael Gomez Manager Tenure (yrs.)... 4.50 Management Style... Active Turnover (%)... 24.00 Total Net Assets ($mil.)... 8512.48 30-day Yield (%)... 4.92 Duration (yrs.)... 4.18 Bond Sectors (03/31/2011) U.S. Corporate... 46.72% Foreign Government... 46.31% Foreign Corporate... 6.64% Asset-Backed... 0.21% CMO... 0.12% Fund investments change daily and may differ. Asset Allocation (03/31/2011) Foreign Bond... 98.26% Other... 1.74% Risk/Return Metrics Standard Deviation... 17.27 Beta... 2.35 R-squared... 32.37 Sharpe Ratio... 0.72 Fee Summary Gross Expense Ratio (03/31/2011)... 0.90% Net Expense Ratio... 0.90% Management Fee... 0.90% 12b-1 Fee... NA Other Expenses... NA Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year Since Inception Fund 4.17% 17.89% 11.77% NA 10.84% Benchmark* 2.44% 11.79% 10.75% 9.49% NA Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund NA NA NA NA NA NA 12.31% -10.70% 29.23% 15.53% Benchmark* NA 12.42% 27.15% 11.69% 10.74% 9.42% 5.80% -14.21% 33.50% 13.95% *The Morningstar Emerging Markets Composite Bond Index includes the most liquid sovereign and corporate bonds issued in US dollars by governments and corporations in emerging markets. You cannot invest in an index. There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at allianzinvestors.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at allianzinvestors.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
American Funds American High Inc. Trust (R5) Morningstar: Category High Yield Bond 3-Year Risk Rating Average 3-Year Performance Rating Average The Fund seeks a high level of current income. Capital appreciation is secondary. The Fund invests primarily in higher yielding and generally lower quality debt securities. The Fund may also invest a portion of its assets in securities of issuers domiciled outside the United States. Ltd. Mod. Ext. Int.-Rate Sensitivity High Med. Low Quality Characteristics Asset Class... Bond Ticker... RITFX Fund Inception... 02/19/1988 Share Class Inception... 05/15/2002 Fund Manager... David Barclay Manager Tenure (yrs.)... 21.59 Management Style... Active Turnover (%)... 47.00 Total Net Assets ($mil.)... 18289.62 30-day Yield (%)... 5.49 Duration (yrs.)... 3.19 Fee Summary Gross Expense Ratio (09/30/2010)... 0.44% Net Expense Ratio... 0.44% Management Fee... 0.32% 12b-1 Fee... NA Other Expenses... 0.12% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Bond Sectors (06/30/2011) U.S. Corporate... 80.10% Foreign Corporate... 14.42% Foreign Government... 2.68% Asset-Backed... 0.95% Convertibles... 0.67% CMO... 0.66% Treasury... 0.32% Municipals... 0.19% Fund investments change daily and may differ. Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 0.95% 15.93% 9.79% 7.58% 8.15% Benchmark* 1.04% 14.59% 11.38% 8.68% 9.17% Asset Allocation (06/30/2011) Domestic Bond... 75.36% Foreign Bond... 15.67% Cash... 4.87% Preferreds... 1.87% Domestic Stock... 1.60% Convertibles... 0.62% Foreign Stock... 0.01% Risk/Return Metrics Standard Deviation... 15.32 Beta... 1.16 R-squared... 10.07 Sharpe Ratio... 0.67 Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 7.49% -3.49% 29.15% 9.97% 3.86% 12.45% 1.78% -27.32% 48.84% 15.25% Benchmark* 5.80% 3.10% 27.94% 11.95% 2.26% 11.92% 2.65% -26.17% 54.22% 14.42% *The Credit Suisse High Yield Bond Index is an unmanaged index of fixed income securities rated below investment grade ("junk bonds") by primary ratings services. You cannot invest in an index. High-yield bond portfolios concentrate on lower-quality bonds, commonly referred to as "junk" bonds. High-yield funds are subject to greater market fluctuations and greater risk of loss of income and principal than higher-quality bonds and are subject to liquidity risk. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at americanfunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at americanfunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
DFA U.S. Large Cap Value Fund (I) Morningstar: Category Large Value 3-Year Risk Rating High 3-Year Performance Rating Above Average The Fund seeks long-term capital appreciation. The Fund invests all of its assets in a Master Fund that purchases value stocks of U.S. large capitalization companies. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... DFLVX Fund Inception... 02/19/1993 Share Class Inception... 02/19/1993 Fund Manager... Stephen Clark Manager Tenure (yrs.)... 3.25 Management Style... Active Turnover (%)... 28.00 Total Net Assets ($mil.)... 7994.56 Avg. Market Cap ($mil.)... 28900.09 No. of Securities... 218 Largest Holdings (05/31/2011) ConocoPhillips... 4.15% AT&T... 3.96% Pfizer... 3.15% Citigroup... 3.14% General Electric... 3.04% Union Pacific... 2.65% Bank of America Corp DE... 2.65% Comcast... 2.60% CVS Caremark... 2.52% Time Warner... 2.22% Fund investments change daily and may differ. Asset Allocation (05/31/2011) Domestic Stock... 97.16% Foreign Stock... 2.49% Cash... 0.27% Other... 0.08% Risk/Return Metrics Standard Deviation... 27.67 Beta... 1.28 R-squared... 97.09 Sharpe Ratio... 0.27 Fee Summary Gross Expense Ratio (10/31/2010)... 0.28% Net Expense Ratio... 0.28% Management Fee... 0.25% 12b-1 Fee... NA Other Expenses... 0.03% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -0.79% 36.07% 3.94% 1.66% 5.20% Benchmark* -0.41% 31.68% 1.62% 0.22% 3.24% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 3.84% -14.92% 34.42% 18.25% 10.24% 20.18% -2.76% -40.80% 30.19% 20.17% Benchmark* -3.38% -15.05% 26.26% 14.05% 7.05% 25.78% -0.43% -36.11% 11.38% 14.69% *The Morningstar Large Cap Value Index is an unmanaged index of large-cap stocks with relatively low prices given anticipated earnings potential. You cannot invest in an index. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at dfafunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at dfafunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard 500 Index Fund (Sig) Morningstar: Category Large Blend 3-Year Risk Rating Average 3-Year Performance Rating Average The Fund seeks to track the performance of the Standard & Poor's 500 Index, a widely recognized benchmark of U.S. stock market performance. The Fund invests all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the Index. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VIFSX Fund Inception... 08/31/1976 Share Class Inception... 09/29/2006 Fund Manager... Michael Buek Manager Tenure (yrs.)... 19.51 Management Style... Passive Turnover (%)... 5.00 Total Net Assets ($mil.)... 108034.68 Avg. Market Cap ($mil.)... 50103.23 No. of Securities... 514 Largest Holdings (06/30/2011) Exxon Mobil Corporation... 3.33% Apple... 2.58% IBM... 1.72% Chevron... 1.72% General Electric... 1.66% Microsoft... 1.60% AT&T... 1.54% Johnson & Johnson... 1.51% The Procter & Gamble Co... 1.47% Pfizer... 1.35% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 99.69% Cash... 0.23% Foreign Stock... 0.08% Risk/Return Metrics Standard Deviation... 21.20 Beta... 1.00 R-squared... 100.00 Sharpe Ratio... 0.25 Fee Summary Gross Expense Ratio (12/31/2010)... 0.06% Net Expense Ratio... 0.06% Management Fee... 0.03% 12b-1 Fee... NA Other Expenses... 0.03% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 0.09% 30.66% 3.39% 2.95% 2.66% Benchmark* 0.26% 30.24% 2.65% 2.85% 2.15% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -12.02% -22.15% 28.50% 10.74% 4.77% 15.66% 5.47% -36.97% 26.61% 15.05% Benchmark* -15.10% -23.47% 27.04% 9.54% 4.87% 15.91% 6.69% -36.21% 24.76% 13.44% *The Morningstar Large Cap Index is an unmanaged index of U.S. large-cap stocks. You cannot invest in an index. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
American Funds Growth Fund of America (R5) Morningstar: Category Large Growth 3-Year Risk Rating Below Average 3-Year Performance Rating Average The Fund seeks growth of capital. The Fund invests primarily in attractively valued common stocks of companies that appear to offer superior opportunities for growth of capital. The Fund may invest a portion of its assets in securities of issuers domiciled outside the U.S. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... RGAFX Fund Inception... 11/30/1973 Share Class Inception... 05/15/2002 Fund Manager... James Drasdo Manager Tenure (yrs.)... 25.68 Management Style... Active Turnover (%)... 33.00 Total Net Assets ($mil.)... 162413.39 Avg. Market Cap ($mil.)... 41135.28 No. of Securities... 439 Fee Summary Gross Expense Ratio (08/31/2010)... 0.39% Net Expense Ratio... 0.39% Management Fee... 0.27% 12b-1 Fee... NA Other Expenses... 0.12% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Largest Holdings (06/30/2011) Apple... 2.64% Oracle... 2.37% Amazon.com... 1.83% Apache... 1.55% Union Pacific... 1.48% Home Depot... 1.48% DIRECTV... 1.38% Microsoft... 1.37% Google... 1.26% Schlumberger NV... 1.21% Fund investments change daily and may differ. Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -0.59% 28.01% 1.37% 3.19% 4.15% Benchmark* 0.42% 32.49% 2.36% 3.95% -0.76% Asset Allocation (06/30/2011) Domestic Stock... 74.85% Foreign Stock... 18.65% Domestic Bond... 4.42% Cash... 1.05% Other... 1.00% Foreign Bond... 0.02% Preferreds... 0.01% Risk/Return Metrics Standard Deviation... 21.06 Beta... 0.97 R-squared... 95.77 Sharpe Ratio... 0.16 Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -12.28% -21.84% 33.25% 12.24% 14.53% 11.24% 11.26% -38.88% 34.91% 12.63% Benchmark* -29.07% -33.15% 30.65% 0.19% 3.43% 5.68% 12.34% -41.87% 44.37% 12.91% *The Morningstar Large Cap Growth Index is an unmanaged index of large-cap stocks with earnings that are expected to grow faster than the market average. You cannot invest in an index. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at americanfunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at americanfunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Fidelity Value Fund Morningstar: Category Mid-Cap Value 3-Year Risk Rating High 3-Year Performance Rating Below Average The Fund seeks capital appreciation. The Fund normally invests in common stocks of domestic and foreign issuers believed to be undervalued in the marketplace in relation to factors such as assets, earnings, or growth potential. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... FDVLX Fund Inception... 12/01/1978 Share Class Inception... 12/01/1978 Fund Manager... Matthew Friedman Manager Tenure (yrs.)... 1.13 Management Style... Active Turnover (%)... 148.00 Total Net Assets ($mil.)... 8280.80 Avg. Market Cap ($mil.)... 9148.67 No. of Securities... 292 Largest Holdings (07/31/2011) Sempra Energy... 1.96% U.S. Bancorp... 1.87% Wells Fargo & Co... 1.61% Edison International... 1.42% Berkshire Hathaway... 1.39% National Grid... 1.37% MetLife... 1.18% Republic Services... 1.09% The AES... 1.07% State Street... 1.04% Fund investments change daily and may differ. Asset Allocation (07/31/2011) Domestic Stock... 84.47% Foreign Stock... 13.95% Cash... 1.58% Risk/Return Metrics Standard Deviation... 31.07 Beta... 1.41 R-squared... 92.80 Sharpe Ratio... 0.26 Fee Summary Gross Expense Ratio (10/31/2010)... 0.64% Net Expense Ratio... 0.64% Management Fee... 0.39% 12b-1 Fee... NA Other Expenses... 0.25% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -2.22% 34.23% 3.70% 2.36% 7.03% Benchmark* -0.93% 30.92% 8.73% 3.38% 7.74% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 12.25% -9.25% 34.43% 21.21% 14.27% 15.09% 2.21% -46.52% 44.08% 22.27% Benchmark* 5.06% -10.00% 35.94% 24.30% 11.54% 18.81% -5.52% -35.95% 36.05% 20.61% *The Morningstar Mid Cap Value Index is an unmanaged index of mid-cap stocks with relatively low prices given anticipated earnings potential. You cannot invest in an index. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at fidelity.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at fidelity.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard Mid-Cap Index Fund (Sig) Morningstar: Category Mid-Cap Blend 3-Year Risk Rating Above Average 3-Year Performance Rating Average The Fund seeks to track the performance of the MSCI U.S. Mid Cap 450 Index, a broadly diversified index of stocks of medium-size U.S. companies. The Fund invests all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the Index. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VMISX Fund Inception... 05/21/1998 Share Class Inception... 03/30/2007 Fund Manager... Donald Butler Manager Tenure (yrs.)... 13.12 Management Style... Passive Turnover (%)... 16.00 Total Net Assets ($mil.)... 29402.83 Avg. Market Cap ($mil.)... 6420.98 No. of Securities... 457 Largest Holdings (06/30/2011) El Paso... 0.59% Humana... 0.56% Cliffs Natural Resources... 0.55% Netflix... 0.54% Dover... 0.52% Goodrich... 0.49% Host Hotels & Resorts... 0.47% Green Mountain Coffee Roasters... 0.47% AmerisourceBergen... 0.47% AvalonBay Communities... 0.45% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 97.46% Foreign Stock... 2.19% Cash... 0.35% Risk/Return Metrics Standard Deviation... 25.50 Beta... 1.16 R-squared... 93.87 Sharpe Ratio... 0.36 Fee Summary Gross Expense Ratio (12/31/2010)... 0.12% Net Expense Ratio... 0.12% Management Fee... 0.09% 12b-1 Fee... NA Other Expenses... 0.03% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -0.13% 38.67% 6.41% 5.11% 7.62% Benchmark* 0.17% 38.83% 6.84% 5.31% 7.05% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -0.41% -14.49% 34.27% 20.40% 14.05% 13.74% 6.17% -41.78% 40.43% 25.62% Benchmark* -4.63% -18.06% 38.38% 19.66% 12.70% 14.32% 5.23% -40.45% 39.03% 24.92% *The Morningstar Mid Cap Index is an unmanaged index that tracks the performance of medium-sized companies. You cannot invest in an index. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
American Century Heritage Fund (Inv) Morningstar: Category Mid-Cap Growth 3-Year Risk Rating Average 3-Year Performance Rating Average The Fund seeks long-term capital growth. The Fund invests in stocks of medium-sized and smaller companies that are believed will increase in value over time, and with earnings and revenues that are not only growing, but growing at an accelerating pace. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... TWHIX Fund Inception... 11/10/1987 Share Class Inception... 11/10/1987 Fund Manager... David Hollond Manager Tenure (yrs.)... 4.39 Management Style... Active Turnover (%)... 114.00 Total Net Assets ($mil.)... 4167.51 Avg. Market Cap ($mil.)... 8336.99 No. of Securities... 108 Largest Holdings (06/30/2011) Netflix... 3.13% National Oilwell Varco... 2.63% BE Aerospace... 2.25% SXC Health Solutions... 2.17% O'Reilly Automotive... 2.01% Whole Foods Market... 1.97% Albemarle... 1.81% Apple... 1.80% Imax... 1.67% Fastenal... 1.59% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 89.79% Foreign Stock... 10.13% Cash... 0.08% Risk/Return Metrics Standard Deviation... 25.41 Beta... 1.11 R-squared... 85.57 Sharpe Ratio... 0.28 Fee Summary Gross Expense Ratio (10/31/2010)... 1.01% Net Expense Ratio... 1.01% Management Fee... 1.00% 12b-1 Fee... NA Other Expenses... 0.01% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 0.93% 47.45% 4.33% 10.39% 7.40% Benchmark* 1.96% 44.70% 4.73% 6.53% 4.57% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -25.57% -15.97% 21.65% 7.05% 22.23% 17.05% 45.77% -46.17% 36.85% 31.37% Benchmark* -21.59% -32.54% 40.02% 15.45% 16.27% 9.63% 19.70% -46.28% 42.05% 27.67% *The Morningstar Mid Cap Growth Index is an unmanaged index of mid-cap stocks with earnings that are expected to grow faster than the market average. You cannot invest in an index. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at americancentury.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at americancentury.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
DFA U.S. Small Cap Value Fund (I) Morningstar: Category Small Value 3-Year Risk Rating Above Average 3-Year Performance Rating Average The Fund seeks long-term capital appreciation. The Fund purchases a broad and diverse group of the readily marketable common stocks of U.S. small cap companies determined to be value stocks. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... DFSVX Fund Inception... 03/02/1993 Share Class Inception... 03/02/1993 Fund Manager... Stephen Clark Manager Tenure (yrs.)... 3.25 Management Style... Active Turnover (%)... 19.00 Total Net Assets ($mil.)... 7501.70 Avg. Market Cap ($mil.)... 904.71 No. of Securities... 1502 Largest Holdings (05/31/2011) Westlake Chemical... 1.21% Dillards... 1.20% Esterline Technologies... 1.01% LifePoint Hospitals... 0.92% Trinity Industries... 0.81% Frontier Oil... 0.76% Fairchild Semiconductor International... 0.75% GATX... 0.73% Alexander & Baldwin... 0.73% CNO Financial Group... 0.70% Fund investments change daily and may differ. Asset Allocation (05/31/2011) Domestic Stock... 98.49% Other... 0.98% Foreign Stock... 0.42% Cash... 0.11% Risk/Return Metrics Standard Deviation... 31.22 Beta... 1.38 R-squared... 88.35 Sharpe Ratio... 0.42 Fee Summary Gross Expense Ratio (10/31/2010)... 0.52% Net Expense Ratio... 0.52% Management Fee... 0.50% 12b-1 Fee... NA Other Expenses... 0.02% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -3.68% 40.06% 8.96% 2.49% 9.35% Benchmark* -1.70% 32.72% 13.32% 5.49% 10.10% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 22.65% -9.27% 59.40% 25.39% 7.79% 21.55% -10.75% -36.79% 33.62% 30.90% Benchmark* 18.58% -8.24% 48.87% 24.03% 5.12% 20.03% -8.15% -31.67% 40.28% 25.96% *The Morningstar Small Cap Value Index is an unmanaged index of small-cap stocks with relatively low prices given anticipated earnings potential. You cannot invest in an index. Stocks of smaller companies are often more volatile and less liquid than stocks of larger companies. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at dfafunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at dfafunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard Small-Cap Index Fund (Sig) Morningstar: Category Small Blend 3-Year Risk Rating Above Average 3-Year Performance Rating Above Average The Fund seeks to track the performance of the MSCI U.S. Small Cap 1750 Index, a broadly diversified index of stocks of smaller U.S. companies. The Fund invests all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the Index. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VSISX Fund Inception... 10/03/1960 Share Class Inception... 12/15/2006 Fund Manager... Michael Buek Manager Tenure (yrs.)... 19.51 Management Style... Passive Turnover (%)... 12.00 Total Net Assets ($mil.)... 26118.24 Avg. Market Cap ($mil.)... 1588.58 No. of Securities... 1720 Largest Holdings (06/30/2011) CMT Market Liquidity Rate... 0.36% Polycom... 0.33% American Capital Agency... 0.29% Tempur-Pedic International... 0.27% Varian Semiconductor Equipment Associate... 0.27% Wabco Holdings... 0.27% Camden Property Trust... 0.26% Gardner Denver... 0.25% Essex Property Trust... 0.25% Gentex... 0.25% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 98.40% Foreign Stock... 1.20% Cash... 0.39% Risk/Return Metrics Standard Deviation... 27.90 Beta... 1.26 R-squared... 91.15 Sharpe Ratio... 0.45 Fee Summary Gross Expense Ratio (12/31/2010)... 0.17% Net Expense Ratio... 0.17% Management Fee... 0.09% 12b-1 Fee... NA Other Expenses... 0.08% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -1.11% 39.50% 9.35% 5.63% 7.29% Benchmark* -0.98% 39.66% 10.48% 5.68% 7.57% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 3.10% -20.02% 45.63% 19.90% 7.36% 15.66% 1.25% -36.00% 36.34% 27.85% Benchmark* 5.26% -20.36% 47.70% 20.44% 5.76% 17.05% -0.66% -36.07% 37.75% 28.37% *The Morningstar Small Cap Index is an unmanaged index of U.S. small-cap stocks. You cannot invest in an index. Stocks of smaller companies are often more volatile and less liquid than stocks of larger companies. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard Small-Cap Growth Index Fund (Inv) Morningstar: Category Small Growth 3-Year Risk Rating Above Average 3-Year Performance Rating Average The Fund seeks to track the performance of the MSCI U.S. Small Cap Growth Index, a broadly diversified index of growth stocks of smaller U.S. companies. The Fund invests all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximatelythe same proportion as its weighting in the Index. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VISGX Fund Inception... 05/21/1998 Share Class Inception... 05/21/1998 Fund Manager... Gerard O'Reilly Manager Tenure (yrs.)... 6.50 Management Style... Passive Turnover (%)... 34.00 Total Net Assets ($mil.)... 9195.49 Avg. Market Cap ($mil.)... 1674.11 No. of Securities... 985 Largest Holdings (06/30/2011) Polycom... 0.66% Tempur-Pedic International... 0.54% Varian Semiconductor Equipment Associate... 0.54% Gardner Denver... 0.51% Gentex... 0.50% TransDigm Group... 0.50% Solera Holdings... 0.49% Level 3 Communications... 0.48% MICROS Systems... 0.47% Signet Jewelers... 0.47% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 98.27% Foreign Stock... 1.30% Cash... 0.43% Risk/Return Metrics Standard Deviation... 28.13 Beta... 1.26 R-squared... 89.56 Sharpe Ratio... 0.45 Fee Summary Gross Expense Ratio (12/31/2010)... 0.26% Net Expense Ratio... 0.26% Management Fee... 0.22% 12b-1 Fee... NA Other Expenses... 0.04% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -0.49% 46.40% 9.38% 7.30% 8.56% Benchmark* 0.26% 46.39% 8.92% 6.08% 3.80% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -0.78% -15.41% 42.88% 16.06% 8.64% 11.95% 9.63% -40.00% 41.85% 30.69% Benchmark* -12.92% -36.87% 52.65% 13.48% 5.77% 10.04% 11.08% -39.92% 32.98% 31.26% *The Morningstar Small Cap Growth Index is an unmanaged index of small-cap stocks with earnings that are expected to grow faster than the market average. You cannot invest in an index. Stocks of smaller companies are often more volatile and less liquid than stocks of larger companies. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
DFA International Value Fund (I) Morningstar: Category Foreign Large Value 3-Year Risk Rating High 3-Year Performance Rating Above Average The Fund seeks long-term capital appreciation. The Fund invests substantially all assets in the DFA International Value Series, which purchases stocks of large non-us companies in developed market countries. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... DFIVX Fund Inception... 02/15/1994 Share Class Inception... 02/15/1994 Fund Manager... Karen Umland Manager Tenure (yrs.)... 12.51 Management Style... Active Turnover (%)... 20.00 Total Net Assets ($mil.)... 5874.00 Avg. Market Cap ($mil.)... 22689.94 No. of Securities... 542 Regions (05/31/2011) Europe... 41.07% Japan... 20.34% United Kingdom... 16.05% Canada... 13.13% Australia & New Zealand... 5.65% Asia ex-japan... 2.96% Mideast... 0.49% Africa... 0.31% Fund investments change daily and may differ. Asset Allocation (05/31/2011) Foreign Stock... 99.27% Cash... 0.53% Other... 0.21% Risk/Return Metrics Standard Deviation... 31.34 Beta... 1.19 R-squared... 97.11 Sharpe Ratio... 0.15 Fee Summary Gross Expense Ratio (10/31/2010)... 0.45% Net Expense Ratio... 0.45% Management Fee... 0.40% 12b-1 Fee... NA Other Expenses... 0.05% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 0.10% 33.31% 0.13% 2.66% 9.01% Benchmark* 1.20% 33.98% -0.42% 2.92% 7.10% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -15.26% -8.52% 49.93% 28.80% 15.27% 34.15% 10.24% -46.33% 39.45% 10.57% Benchmark* -20.62% -15.33% 41.09% 21.90% 15.79% 26.62% 13.70% -43.82% 33.32% 12.02% *The Morningstar Developed Ex US Index is an unmanaged index that tracks performance of highly investable, liquid stocks of developed markets, excluding the U.S. You cannot invest in an index. There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at dfafunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at dfafunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard International Explorer Fund (Inv) Morningstar: Category Foreign Small/Mid Growth 3-Year Risk Rating Average 3-Year Performance Rating Average The Fund seeks long-term capital appreciation. The Fund invests primarily in the equity securities of small-capitalization companies located in numerous countries outside the United States that are believed to offer the potential for capital appreciation. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VINEX Fund Inception... 11/04/1996 Share Class Inception... 11/04/1996 Fund Manager... Matthew Dobbs Manager Tenure (yrs.)... 11.50 Management Style... Active Turnover (%)... 51.00 Total Net Assets ($mil.)... 2718.48 Avg. Market Cap ($mil.)... 1648.44 No. of Securities... 376 Regions (06/30/2011) Europe... 43.36% Japan... 18.66% United Kingdom... 14.92% Asia ex-japan... 9.84% Australia & New Zealand... 9.04% Latin America... 2.91% Canada... 0.84% Mideast... 0.39% Africa... 0.03% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Foreign Stock... 90.86% Cash... 5.53% Other... 3.60% Risk/Return Metrics Standard Deviation... 27.94 Beta... 1.06 R-squared... 95.69 Sharpe Ratio... 0.26 Fee Summary Gross Expense Ratio (10/31/2010)... 0.39% Net Expense Ratio... 0.39% Management Fee... 0.35% 12b-1 Fee... NA Other Expenses... 0.04% Redemption Fee... 2.00% for sales within 60 days of purchase Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -0.53% 34.35% 3.64% 3.79% 9.82% Benchmark* 1.20% 33.98% -0.42% 2.92% 7.10% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -22.52% -13.88% 57.37% 31.77% 20.49% 30.34% 5.15% -46.62% 47.12% 22.55% Benchmark* -20.62% -15.33% 41.09% 21.90% 15.79% 26.62% 13.70% -43.82% 33.32% 12.02% *The Morningstar Developed Ex US Index is an unmanaged index that tracks performance of highly investable, liquid stocks of developed markets, excluding the U.S. You cannot invest in an index. There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
American Funds New World Fund (R5) Morningstar: Category Diversified Emerging Mkts 3-Year Risk Rating Low 3-Year Performance Rating Average The Fund seeks long-term capital appreciation. The Fund invests primarily in common stocks of companies with significant exposure to countries with developing economies and/or markets. The Fund may also invest in debt securities of issuers with exposure to these countries. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... RNWFX Fund Inception... 06/17/1999 Share Class Inception... 05/15/2002 Fund Manager... Team Management Manager Tenure (yrs.)... 12.04 Management Style... Active Turnover (%)... 20.00 Total Net Assets ($mil.)... 22038.72 Avg. Market Cap ($mil.)... 19768.18 No. of Securities... 476 Fee Summary Gross Expense Ratio (10/31/2010)... 0.74% Net Expense Ratio... 0.74% Management Fee... 0.57% 12b-1 Fee... NA Other Expenses... 0.17% Redemption Fee... NA Performance at NAV (06/30/2011) Total Return Regions (06/30/2011) Asia ex-japan... 35.05% Europe... 27.86% Latin America... 11.77% United States... 6.06% United Kingdom... 6.03% Africa... 5.10% Japan... 3.22% Australia & New Zealand... 2.69% Mideast... 1.42% Canada... 0.81% Fund investments change daily and may differ. Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 1.05% 25.86% 2.01% 10.15% 12.96% Benchmark* -0.23% 27.40% 5.78% 13.27% 17.51% Asset Allocation (06/30/2011) Foreign Stock... 76.23% Foreign Bond... 9.57% Domestic Stock... 4.92% Other... 4.10% Domestic Bond... 3.79% Cash... 1.27% Preferreds... 0.12% Risk/Return Metrics Standard Deviation... 25.66 Beta... 0.94 R-squared... 88.81 Sharpe Ratio... 0.20 Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -3.96% -4.41% 43.81% 21.10% 22.49% 33.78% 33.18% -46.14% 52.73% 17.68% Benchmark* -2.02% -5.30% 56.21% 25.97% 31.73% 43.12% 41.62% -52.00% 81.71% 15.72% *The Morningstar Emerging Markets Index is an unmanaged index that tracks the performance of stocks of companies in emerging markets. You cannot invest in an index. There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at americanfunds.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at americanfunds.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard REIT Index Fund (Sig) Morningstar: Category Real Estate 3-Year Risk Rating Above Average 3-Year Performance Rating Above Average The Fund seeks a high level of income and moderate long-term capital appreciation by tracking the MSCI US REIT Index, an index that measures the performance of publicly traded equity REITs. The Fund invests all, or substantially all, of its assets in the stocks that make up the Index in approximately the same proportion as its weighting in the Index. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VGRSX Fund Inception... 05/13/1996 Share Class Inception... 06/04/2007 Fund Manager... Gerard O'Reilly Manager Tenure (yrs.)... 15.14 Management Style... Passive Turnover (%)... 12.00 Total Net Assets ($mil.)... 20265.68 Avg. Market Cap ($mil.)... 6236.95 No. of Securities... 106 Largest Holdings (06/30/2011) Simon Property Group... 9.41% Equity Residential... 4.88% Public Storage... 4.53% ProLogis... 4.50% Vornado Realty Trust... 4.26% Boston Properties... 4.19% HCP... 4.07% Host Hotels & Resorts... 3.19% AvalonBay Communities... 3.06% Health Care REIT... 2.49% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 99.28% Cash... 0.72% Risk/Return Metrics Standard Deviation... 39.29 Beta... 1.53 R-squared... 68.28 Sharpe Ratio... 0.35 Fee Summary Gross Expense Ratio (01/31/2011)... 0.12% Net Expense Ratio... 0.12% Management Fee... 0.09% 12b-1 Fee... NA Other Expenses... 0.03% Redemption Fee... 1.00% for sales within 365 days of purchase Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund 3.58% 34.12% 6.23% 2.93% 10.64% Benchmark* 3.44% 32.54% 4.89% 1.74% 9.88% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund 12.35% 3.75% 35.65% 30.76% 11.89% 35.07% -16.45% -37.00% 29.82% 28.47% Benchmark* 9.54% 4.34% 36.91% 31.61% 11.35% 32.58% -16.66% -38.90% 31.19% 26.96% *The Morningstar Real Estate Category Average is the average return for all registered funds classified by Morningstar as real estate sector funds. You cannot invest in an index. Real estate portfolios invest primarily in real-estate investment trusts (REITs) - companies that develop and manage real-estate properties. Funds that invest in one industry are likely to be more volatile than funds that are more diversified. Returns for periods prior to share class inception are hypothetical returns from an older share class and have been restated to reflect any expense differences between the share classes. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Vanguard Energy Fund (Inv) Morningstar: Category Equity Energy 3-Year Risk Rating Low 3-Year Performance Rating Above Average The Fund seeks long-term capital appreciation. The Fund invests primarily in the common stocks of companies principally engaged in activities in the energy industry. The Fund may invest up to 100% of its assets in foreign stocks. Value Blend Growth Large Mid Small Market Cap Characteristics Asset Class... Stock Ticker... VGENX Fund Inception... 05/23/1984 Share Class Inception... 05/23/1984 Fund Manager... Karl Bandtel Manager Tenure (yrs.)... 8.50 Management Style... Active Turnover (%)... 31.00 Total Net Assets ($mil.)... 14138.13 Avg. Market Cap ($mil.)... 54982.13 No. of Securities... 134 Largest Holdings (06/30/2011) Exxon Mobil Corporation... 7.68% Occidental Petroleum... 4.86% Chevron... 4.60% BP... 3.41% Royal Dutch Shell... 3.23% Schlumberger NV... 2.79% EOG Resources... 2.75% Total SA... 2.67% Baker Hughes... 2.55% Halliburton... 2.53% Fund investments change daily and may differ. Asset Allocation (06/30/2011) Domestic Stock... 57.39% Foreign Stock... 39.29% Cash... 3.03% Other... 0.26% Preferreds... 0.03% Risk/Return Metrics Standard Deviation... 28.48 Beta... 1.15 R-squared... 72.77 Sharpe Ratio... -0.04 Fee Summary Gross Expense Ratio (01/31/2011)... 0.34% Net Expense Ratio... 0.34% Management Fee... 0.31% 12b-1 Fee... NA Other Expenses... 0.03% Redemption Fee... 1.00% for sales within 365 days of purchase Performance at NAV (06/30/2011) Total Return Annualized Total Return 3-Month 1-Year 3-Year 5-Year 10-Year Fund -4.58% 45.57% -4.74% 6.78% 15.57% Benchmark* -4.50% 56.24% -0.41% 9.93% 14.68% Standard deviation is a measure of the volatility of an investment's returns. The greater the standard deviation, the larger the differences between the investment's actual returns and average return. Beta measures a fund's volatility relative to its market. A positive beta indicates movement in the same direction of the market. A negative beta indicates movement inverse to the market. R-squared is a measure of how closely an investment's performance correlates with the performance of its market and, thus, may be explained by the market's performance. Sharpe Ratio measures reward per unit of risk. The higher the Sharpe Ratio, the better the fund's historical risk-adjusted performance. The gross expense ratio does not reflect any fee waivers or reimbursements that may be in effect. The net expense ratio reflects the expenses currently being charged by the fund after taking into account any applicable waivers or reimbursements, without which performance would have been less. Calendar Year Returns 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Fund -2.55% -0.62% 33.80% 36.65% 44.60% 19.68% 37.00% -42.87% 38.36% 13.43% Benchmark* -14.86% -6.63% 26.07% 38.05% 40.83% 19.74% 32.88% -38.39% 33.97% 23.38% *The Morningstar Energy Sector Index is an unmanaged index of stocks of energy companies, including oil and gas refiners, oilfield services and equipment companies, and pipeline operators. You cannot invest in an index. Equity energy portfolios invest primarily in equity securities of U.S. or non-u.s. companies that conduct business primarily in energy-related industries. Funds that invest in one sector are likely to be more volatile than funds that are more diversified. Performance quoted represents past performance and cannot guarantee future results. Current performance may be lower or higher than the performance shown. Investment return and principal value will fluctuate. An investor's shares, when redeemed, may be worth more or less than their original purchase price. Performance includes the reinvestment of dividends and capital gains. Investors may obtain performance current to the most recent month end at vanguard.com. Fees listed above are maximum fees. Some fees may not be charged to plan participants. The management fee is the cost of the day-to-day operation and management of the fund. The 12b-1 fee covers the cost of distributing fund shares to investors, including advertising and sales costs. The redemption fee is charged when shares are sold before the minimum holding period for those shares has passed. This material must be preceded or accompanied by a current prospectus for the fund which contains information about the fund's investment objectives, risks, fees, and expenses. A prospectus may be obtained at vanguard.com. Investors should consider this information carefully before investing. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2011 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. NOT FDIC INSURED - MAY LOSE VALUE - NO BANK GUARANTEE
Pacific Mutual Door Company Partnership 1525 W 31 st Street Kansas City, MO 64108 (816) 531-7631 Qualified Default Investment Alternative Employee Notice You have the right to direct the investment of retirement plan contributions among the investment options offered under the plan. Properly investing retirement contributions is important for planning your future retirement income. You should consider your investment direction decision carefully. This notice provides information regarding where contributions submitted to the retirement plan for your benefit will be directed in the absence of your investment election. You may direct the investment of the retirement funds by visiting www.dailyaccess.com or contacting Creative Planning at 1-866-909-5148. Investment Option Default If you do not provide investment direction, or if contributions are received by the plan prior to your investment direction being received, contributions will be directed to the qualified default investment alternative (QDIA). The QDIA for your retirement plan is the CP Balanced Model. Please see the online information to learn about the investment option default s investment objectives, risk and return characteristics, and associated fees and expenses. Right to Direct You may make changes to your investment direction as allowed under the plan. This includes transferring any contributions from the applicable investment option default to another investment option. Transfers out of the investment option default are not subject to restrictions, fees or expenses¹, unless the fees and expenses are charged on an ongoing basis for the operation of the investment². See the attached fact sheet, for information regarding restrictions, fees or expenses. Additional Information For additional information about the investment option default or other investment alternatives under the plan please visit www.dailyaccess.com or contact Creative Planning at 866-909-5148. Leave a message at ext. 1106 if after business hours. Plan participants who have not made an investment election should do so via the website, the phone or through Creative Planning. Questions regarding this notice can be directed to your plan administrator by calling the number at the top of this notice. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international, and high-yield investment options involves additional risks. Fixed-income 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. ¹ Includes surrender charges, liquidation or exchange fees, redemption fees and similar expenses charged when transferring from the plan level default investment option. ² Includes investment management fees, active management charges and similar administrative expenses
Automatic Contribution Notice PACIFIC MUTUAL DOOR COMPANY PARTNERSHIP 401K PROFIT SHARING PLAN AUTOMATIC CONTRIBUTION ARRANGEMENT NOTICE JULY 1, 2008 THIS NOTICE CONTAINS IMPORTANT INFORMATION REGARDING YOUR PARTICIPATION IN THE PLAN. Automatic deferral. This notice advises you of certain rights and obligations you have under the Plan. The Plan includes an Automatic Contribution Arrangement ("ACA"). Under the ACA provisions of the Plan, your Employer will automatically withhold a portion of your compensation from your pay each payroll period and contribute that amount to the Plan as a Pre-Tax 401(k) deferral. If you wish to defer the automatic deferral percentage, you do not need to make a deferral election. If you do not wish to defer any of your compensation, or you wish to defer a percentage of your compensation different from (either more or less than) the automatic deferral percentage, you may elect within a reasonable time after receipt of this notice, and before the first automatic deferral to which this notice applies, to defer a different percentage of your compensation (including zero), using the form made available by the Plan Administrator. Your election will be effective as soon as the Plan Administrator reasonably can implement your election after receipt. Your election will remain in effect unless and until you change it. Application of automatic deferral provisions. The automatic deferral provisions will only apply to the following Participants. Application to existing Participants. For those Participants in the Plan as of the effective date of the deferral provisions, the automatic deferral provisions apply to all Participants, except those who have a salary reduction agreement in effect on the automatic deferral provisions effective date. Deferral amount. The following provisions apply to these automatic deferrals: The amount to be automatically withheld from your pay each payroll period will be equal to 3% of your compensation. Right to direct investment/default investment. You have the right to direct the investment of your Pre-Tax 401(k) deferrals (whether the deferrals result from the Plan's automatic deferral or from a salary reduction agreement) and also other accounts under the Plan (your "directed accounts") in any of the investment choices explained in the investment information materials provided to you. We encourage you to make an investment election to ensure that amounts in the Plan are invested in accordance with your long-term investment and retirement plans. However, if you do not make an investment election, then the amounts that you could have elected to invest will be invested in a default investment that the Plan officials have selected. Further information. If you need additional information or have any question regarding the information provided in this notice, please contact the Plan Administrator. The Plan Administrator is the Employer. You may contact the Employer at: Contact: Address: Pacific Mutual Door Company Partnership 1525 W. 31st Street Kansas City, Missouri 64108 Telephone: 816-531-7631 Page 1 of 1
Enrollment and Change Application Form Plan Name: Pacific Mutual Door Company Partnership 401(k) Profit Sharing Plan Funds Available in the Plan (If you want to create your own portfolio) Vanguard Prime Money Market American Funds Growth Fund of America DFA International Value Instl PIMCO Total Return Instl Fidelity Value Vanguard International Explorer American Capital World Bond Vanguard Mid Cap Index - Signal American New World PIMCO Emerging Local Bond Instl American Century Heritage-I Vanguard REIT Index - Signal American High Income Trust DFA US Small Value Instl Vanguard Energy Inv DFA US Large Value Instl Vanguard Small Cap Index - Signal Vanguard 500 Index - Signal Vanguard Small Cap Growth Index Model Portfolios from Creative Planning available on the Plan (If you want your account managed) Risk Tolerance and Investment Objective May be appropriate for a conservative investor May be appropriate for a conservative/moderate investor May be appropriate for a moderate investor May be appropriate for a moderate/aggressive investor May be appropriate for an aggressive investor Section A: Participant Information Name of Model Portfolio CP Conservative Model Portfolio* CP Conservative-Moderate Model Portfolio* CP Moderate Model Portfolio* CP Moderate-Aggressive Model Portfolio* CP Aggressive Model Portfolio* You must complete this form, or make your elections online, whether or not you choose to participate in the plan. Complete Section A and choose the appropriate boxes in Sections B and C. Complete the remaining sections as indicated. Participant Name: Social Security #: Birth Date: Hire Date: Address: City: State: ZIP: Section B: Type of Enrollment New Re-entry Change Effective Date: Section C: Selection Information I choose to participate in the plan. (Go to www.dailyaccess.com select Login-Participant and Enroll Now or complete sections D, E and Page 2.) I choose not to participate in the plan. (See your plan administrator when you are ready to participate.) I want to change my current contribution amount. (Go to www.dailyaccess.com or complete Sections D and E.) I want to stop my payroll contributions. (Go to www.dailyaccess.com or complete section E.) Section D: Salary Deferral Information 1. I authorize Pacific Mutual Door Company Partnership to withhold from all eligible wages each pay period an amount equal to percent per pay period Pre-Tax. and/or I elect to contribute percent as after-tax (Roth) Contribution. 2. My Employer shall pay to the plan all such amounts withheld for crediting to my account. 3. I have the right to change, amend or otherwise revoke this agreement subject to plan provisions. 4. If this Agreement is revoked in its entirety, I waive my right to re-participate subject to plan provisions. Section E: Authorization Participant s Name (please sign) Plan Sponsor s Name (please sign) Date Date Pacific Mutual Door Company Partnership *A quarterly management fee of.001 is applied to balances in the CP models