Asset allocation is a rational strategy for investment
selection. Simply put, asset allocation is the process of
diversifying your portfolio across major asset classes such as
stocks, bonds and cash. When you determined your portfolio
characteristics using the Risk Quiz, you also helped determine your
asset allocation strategy.
Below are Lifestyle Asset Allocation Models that correspond to the
portfolio characteristics described in the Risk Quiz. You can
select one of these model portfolios as your investment choice, or
you can customize your asset allocation to create your own
portfolio from among the mutual fund choices provided.
Lifestyle Asset Allocation Models *
The individual model pages are included in this packet, and give
a broader description of each Lifestyle Asset Allocation Model.
Please read this page in conjunction with the individual model
pages. Each Lifestyle Asset Allocation Model page outlines the use
of the asset classes listed in the above key grouped into Cash and
Cash Equivalents, Bonds and Equities, with the notation of the
actively managed mutual fund per asset class. You should
consider carefully the investment objectives, charges, risks, fees
and expenses of the investment company before investing. The
prospectus contains this and other information about the investment
company. You can obtain a current prospectus by calling
1-800-643-9691 extension 2505. Please read the prospectus carefully
before investing as it contains information about the previous
referenced factors and other important information.