Portfolio Overview

The Portfolio seeks growth of capital and low to moderate current income.

The Portfolio invests in a targeted mix of stock and bond mutual funds that represent various asset classes and sectors.

U.S. Equities 36%
International Equities 19%
Real Estate Equities 5%
Fixed Income 40%
Real EstateInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund Percent
Fixed Income
PIMCO Short-Term Fund 5%
Baird Short-Term Bond Fund 4%
American Century Short Duration Inflation Protection Bond Fund 4%
Fidelity U.S. Bond Index Fund 5%
MainStay MacKay Total Return Bond Fund 11%
PGIM Core Bond Fund 3%
American Beacon Garcia Hamilton Quality Bond Fund 3%
Templeton International Bond Fund 5%
Real Estate
Principal Global Real Estate Securities Fund 5%
Fund Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio 8%
Northern Funds Stock Index Fund 15%
T. Rowe Price Large‐Cap Growth Fund 8%
Northern Funds Small Cap Value Fund 2%
Delaware Small Cap Core Fund 1%
Harbor Small Cap Growth Opportunities Fund 2%
International Equity
Dodge & Cox International Stock Fund 4%
Northern Funds International Equity Index Fund 5%
Invesco Oppenheimer International Growth Fund 4%
DFA International Small Company Portfolio 2%
Causeway Emerging Markets Fund 4%

Portfolio Performance1

As of March 31, 2020

 Average Annual Total Returns at NAV (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 Yrs10 YrsLifetimeExp.
Ratio2
Inception
Date
A-14.39-14.39-6.891.60n/an/a3.220.8210/25/16

Underlying Mutual Fund Performance3

As of 12/31/19

 Average Annual Total Returns (%)3 
Fixed Income FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
PIMCO Short-Term Fund
Fact Sheet, Prospectus, Annual Report
0.50PTSHX0.422.732.732.222.121.8110/7/87
Baird Short-Term Bond Fund
Fact Sheet, Prospectus, Annual Report
0.30BSBIX0.684.684.682.552.162.428/31/04
American Century Short Duration Inflation Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.37APISX1.104.944.942.061.862.365/31/05
Fidelity U.S. Bond Index Fund
Fact Sheet, Prospectus, Annual Report
0.03FXNAXn/a8.488.483.942.993.672/27/07
MainStay MacKay Total Return Bond Fund
Fact Sheet, Prospectus, Annual Report
0.60MTMIX0.279.389.384.173.144.321/2/91
PGIM Core Bond 529 Portfolio
Fact Sheet, Prospectus, Annual Report
0.36TPCQX0.179.179.174.21n/a3.242/17/15
American Beacon Garcia Hamilton Quality Bond 529 Portfolio
Fact Sheet, Prospectus, Annual Report
0.42GHQRX0.254.364.362.89n/a1.902/28/19
Templeton International Bond Fund
Fact Sheet, Prospectus, Annual Report
0.83FIBZXn/a2.432.432.341.612.9912/3/07
 Average Annual Total Returns (%)3 
Real Estate FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Principal Global Real Estate Securities Fund
Fact Sheet, Prospectus, Annual Report
0.87PGRSXn/a24.8524.8511.457.1210.5810/1/07
 Average Annual Total Returns (%)3 
U.S. Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
DFA U.S. Large Cap Value Portfolio (I)
Fact Sheet, Prospectus, Annual Report
0.26DFLVXn/a25.4525.459.668.6312.752/19/93
Northern Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.03NOSIX9.0631.4631.46n/an/a12.1711/30/17
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.33TRLGX10.0028.4928.4922.7015.9016.0410/31/01
Northern Small Cap Value Fund
Fact Sheet, Prospectus, Annual Report
0.60NOSGX6.8122.7322.73n/an/a5.597/31/17
Delaware Small Cap Core Fund
Fact Sheet, Prospectus, Annual Report
0.87DCCIX7.4726.0326.038.368.3413.2912/29/98
Harbor Small Cap Growth Opportunities Fund
Fact Sheet, Prospectus, Annual Report
0.88HASOX16.7825.3025.3011.147.637.972/1/14
 Average Annual Total Returns (%)3 
International Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Dodge & Cox International Stock Fund
Fact Sheet, Prospectus, Annual Report
0.63DODFXn/a22.7822.787.673.685.765/1/01
Northern Funds International Equity Index Fund
Fact Sheet, Prospectus, Annual Report
0.25NOINX7.8421.9821.989.645.715.383/22/05
Invesco Oppenheimer International Growth Fund
Fact Sheet, Prospectus, Annual Report
0.69OIGIXn/a29.1629.169.886.176.433/29/12
DFA International Small Company Portfolio
Fact Sheet, Prospectus, Annual Report
0.52DFISXn/a24.2024.209.247.878.089/30/96
Causeway Emerging Markets Fund
Fact Sheet, Prospectus, Annual Report
1.16CEMIX12.1116.7316.7310.234.194.743/30/07