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Understanding Your Investment Options
Keep in mind that this website provides general educational information. It does not in any way constitute specific investment advice. For advice about how to invest, contact a professional financial advisor. Also, before you invest in any fund, you should read the prospectus and other descriptive material provided by each fund, available through your employee benefits department. Back To Top Other Information Available to You Contact your employee benefits department if you would like a copy of:
If you want to
make changes, contact your employee benefits department or utilize Internet SAM.
Changes are made as soon as administratively possible after requests are received
by AAAABenefits, Inc. Check plan highlights for how often changes are permitted. 
Back To Top The Portfolio Program Choosing
a Predefined Mix of Investments |
| Conservative
Portfolio* The table and graph below outline how dollars invested
in the Conservative Portfolio will be allocated. 
Allocation by fund:
Allocation by asset class:
* Rebalanced to targets once a year. | Moderate
Portfolio*  Allocation by fund:
Allocation by asset class:
* Rebalanced to targets once a year. Back To Top | Aggressive
Portfolio* This Portfolio is for participants who are seeking strong growth opportunities and have a higher level of risk tolerance. It allows investors the potential for the high return generated by a diversified array of equity classes, including small-cap and international, while maintaining a risk level only slightly higher than the Fidelity Contrafund (Growth Income Equity fund). This Portfolio is fully invested in the equity funds, translating into a 100% weighting in stocks. It offers participants broad equity
 Allocation by fund:
Allocation by asset class:
* Rebalanced to targets once a year. |
| The
Personal Program |
Investment
Strategy | Fund Objective |
Risk Level | This Fund Invests in… |
| Interest (Morley Stable Value Fund) | Seeks high current income, with little or no fluctuation in the value of the fund or your investment. |
| A pool of Guaranteed Investment Contracts (GIC) with various insurance companies and, for liquidity purposes, a short-term investment fund invested in money market instruments. |
| Bond (PIMCO Bond Fund) PTTRX | Seeks maximum total return consisting of capital appreciation and income earned by investing principally in fixed-income securities. |
| Investment-grade
bonds, but may invest up to 10% of its assets in high-yield securities. The fund may invest up to 20% of its assets in securities dominated in foreign currencies. The average portfolio duration of the fund is 3-6 years. |
| Balanced (Vanguard Wellington Balanced Fund) VWELX | Seeks a balance between current income (dividends and interest) and long-term capital growth (from increased stock prices). |
| A blend of both common stocks and fixed income securities (bonds and money market funds); stocks will comprise approximately 65% of the total fund investments. |
| Large Cap Value | Seeks long term capital appreciation and current income primarily through investments in large market capitalization U.S. stocks. | Average | Primarily in equity securities of large market U.S. companies greater than $1 billion. These companies generally have market capitalization of the companies in the Russell 1000 Index. |
| Index
Equity (Vanguard Index 500) VFINX | Seeks to combine long-term capital growth with some current income. | Average | Common stocks comprising the S&P 500 Index. |
| Large Cap Blend (Fidelity Contrafund) FCNTX | Seeks long-term capital growth with little income. | Average | Common
stocks with better-than-average potential for growth, some of which may be out of favor or speculative. |
| Large Cap Growth | Seeks long-term capital growth with little income. | Average | A
diversified portfolio consisting primarily of common stocks and securities convertible into common stocks believed to offer growth potential. |
| Mid Cap Value (Goldman Sachs Mid Cap Value) GSMCX | Seeks long-term capital growth. | Above Average | A mix of high quality
dividend paying stocks as well as high quality stocks of mid-sized U.S. companies with the potential for above-average growth. |
| Mid Cap Growth (Jennison Mid Cap Growth A) PEEAX | Seeks long-term capital growth. | Above Average | U.S. common stocks with at
least 65% in equity securities of small and mid-sized U.S. companies with the potential for above-average growth. |
| International Value Equity (Templeton Foreign Equity Fund) TFEQX | Seeks
long-term capital growth by investing in equity securities of companies outside the United States. | Above Average | Common stocks of high quality, relatively mature non-U.S. companies in developed and emerging growth countries. |
| International
Growth Equity (Artisan International Fund) ARTIX | Seeks
long-term capital growth by investing in equity securities of companies outside the United States. | Above Average | Normally at least
65% of assets in stocks of foreign companies in a portfolio that is broadly diversified by country and industry. |
| Small-Cap Equity — Core (T. Rowe Price Small-Cap Stock) OTCFX | Seeks long-term growth of capital by investing primarily in the common stocks of small-sized companies. | Above Average | Common stocks of
small companies. The Fund will be broadly diversified. Stock selection reflects a growth and value investment approach. |
Note: Keep in mind that the returns on any fund may vary from month to month, and may include both gains and losses to your account. While the potential return on investment is greater in the equity funds than the Bond, Balanced, and Stable Value Funds, the risk is also greater. However, equity funds typically produce larger total investment returns than Balanced and Stable Value Funds when returns are compounded over a five- to ten-year period.
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