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 42%
International Equities 23%
Real Assets 5%
Fixed Income 30%
Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund Percent
Fixed Income
Fidelity Advisor Investment Grade Bond Fund 8%
PGIM Total Return Bond Fund 10%
American Century Short Duration Inflation Protection Bond Fund 4%
BlackRock High Yield Bond Fund 5%
AB Global Bond Fund 3%
Real Assets
Principal Global Real Estate Securities Fund 3%
Parametric Commodity Strategy Fund 2%
Fund Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio 8.5%
Northern Funds Stock Index Fund 17%
T. Rowe Price Instl. Large-Cap Growth Fund 8.5%
Northern Funds Mid Cap Index Fund 4%
Northern Funds Small Cap Value Fund 2%
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund 2%
International Equity
Northern Funds International Equity Index Fund 7%
Neuberger Berman International Select Fund 9%
DFA International Small Company Portfolio 3%
Vanguard Emerging Markets Select Stock Portfolio 4%

Portfolio Performance1

As of January 31, 2024

 Average Annual Total Returns at NAV (%)1 
Fee StructureYTD3 Mo1 Yr3 Yrs5 YrsLifetimeExp.
Ratio2
Inception
Date
B0.0712.068.433.076.356.081.709/28/16
Fee Structure B Accounts are subject to a contingent deferred sales charge ranging from 0.50% to 5.00%. For complete details visit with your investment professional or review “Exhibit D – Fee Structure B Information” in the Program Disclosure Statement. Fee Structure B Performance

Underlying Mutual Fund Performance3

As of 9/30/2023

 Average Annual Total Returns (%)3 
Fixed Income FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Fidelity Advisor Investment Grade Bond Fund
Fact Sheet, Prospectus, Annual Report
0.36FIKQX-2.99-0.161.39-4.590.971.658/6/71
PGIM Total Return Bond 529 Portfolio
Fact Sheet, Prospectus, Annual Report
0.39PTRQX-2.520.572.89-4.660.612.0312/27/10
American Century Short-Duration Inflation-Protection Bond Fund
Fact Sheet, Prospectus, Annual Report
0.43APISX0.102.012.321.752.641.645/31/05
BlackRock High Yield Bond Fund
Fact Sheet, Prospectus, Annual Report
0.60BHYIX0.596.3110.702.343.114.2311/19/98
AB Global Bond Fund
Fact Sheet, Prospectus, Annual Report
0.51ANAZX-1.630.201.40-3.670.031.6910/15/13
 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
0.88PGRSX-6.15-4.190.84-1.25-0.373.174/9/19
 Average Annual Total Returns (%)3 
Domestic Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
DFA U.S. Large Cap Value Portfolio
Fact Sheet, Prospectus, Annual Report
0.21DFLVX-1.402.2016.5613.495.578.652/19/93
Northern Funds Stock Index Fund
Fact Sheet, Prospectus, Annual Report
0.05NOSIX-3.2912.9921.5210.049.8011.8010/7/96
T. Rowe Price Large-Cap Growth Fund
Fact Sheet, Prospectus, Annual Report
0.55TRLGX-2.0027.9627.734.929.8113.8310/31/01
Northern Funds Mid Cap Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOMIX-4.224.2115.4111.895.928.783/22/05
Northern Funds Small Cap Value Fund
Fact Sheet, Prospectus, Annual Report
1.00NOSGX-2.881.1111.2713.412.376.094/1/94
T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund
Fact Sheet, Prospectus, Annual Report
0.66TQAIX-5.627.6715.594.514.408.803/23/16
 Average Annual Total Returns (%)3 
International Equity FundsExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Northern Funds International Equity Index Fund
Fact Sheet, Prospectus, Annual Report
0.10NOINX-4.806.5326.085.623.163.723/22/05
Neuberger Berman International Select Fund
Fact Sheet, Prospectus, Annual Report
0.85NILIX-5.533.6418.821.313.064.0210/6/06
DFA International Small Company Portfolio
Fact Sheet, Prospectus, Annual Report
0.39DFISX-3.333.3321.524.902.074.569/30/96
Vanguard Emerging Markets Select Stock Fund
Fact Sheet, Prospectus, Annual Report
0.78VMMSX-3.284.2016.301.282.122.756/27/11
 Average Annual Total Returns (%)3 
Commodities FundExpense
Ratio
TickerQTRYTD1 Yr3 Yrs5 Yrs10 Yrs or Life of FundInception
Date
Parametric Commodity Strategy Fund
Fact Sheet, Prospectus, Annual Report
0.80EIPCX3.68-5.43-3.5915.526.22-0.7112/30/04