Read Microsoft PowerPoint - Lifecycle Brainshark FINAL.ppt text version

Pyramis Lifecycle Investment Options Review

Pyramis Lifecycle Commingled Pools

An all-in-one professional managed retirement investment

Use the year you expect to retire to help you decide which portfolio may be right for you.

· Generally, the further away your anticipated · Focus on accumulation · Focus on capital preservation retirement Higher volatility Funds to left have potentially more date is, the higher the equity allocation have ·potentially less Funds to right · Lower volatility is and the more exposure you have to market risk · Less growth potential less investment risk inflation risk and inflation risk and more · More growth potential investment risk and fluctuations in the financial markets.

2000

2010

2020

2030

2040

2050

2005

2015

2025 Target Retirement Year

2035

2045

These investments may be subject to additional risks associated with investing in fixed income, high yield, large cap, small cap, international and emerging markets securities in proportion to each Pool's assets invested in each respective strategy. An investment in a Pyramis Lifecycle Pool may be risky and may not be suitable for an investor's goals, objectives and risk tolerance. Investors should be aware that an investment's value may be volatile and any investment involves the risk that you may lose money.

Pyramis Lifecycle Commingled Pools

Investing in a Variety of Different Asset Classes

Pyramis Lifecycle 2000

5% 30% 32% 13%

Pyramis Lifecycle 2005

5% 39%

Pyramis Lifecycle 2010

5% 10% 40%

Pyramis Lifecycle 2015

7% 32% 6% 44%

25%

Pyramis Lifecycle 2020

7% 1% 54% 22%

Pyramis Lifecycle 2025

8% 56%

3%

34%

29%

35%

9%

10%

11%

13%

14%

Pyramis Lifecycle 2030

8% 11%

10% 17%

Pyramis Lifecycle 2035

8%

5%

Pyramis Lifecycle 2040

10%

Pyramis Lifecycle 2045

10% 4%

20%

Pyramis Lifecycle 2050

10%

16% 65%

17%

18%

66%

68%

68%

70%

US Equity International Equity Fixed Income Short-term Non-Investment Grade Fixed Income

The percentages represent anticipated target asset allocation at June 30, 2008. The asset allocation above applies to the Pyramis Active and Core Lifecycle products. The Pyramis Index Lifecycle products' allocations differ as the Index Lifecycle allocations does not have a Non-Investment Grade Fixed Income allocation. Instead, that allocation percentage is allotted to the Fixed Income allocation, which is made up of Investment Grade Fixed Income. If the Index Lifecycle Pools are offered in your plan, please visit the Investment Choices section under Investment Resources in NetBenefits for more information. Managed by Pyramis Global Advisors Trust Company (PGATC), a Fidelity Investments company.

Choosing Your Lifecycle Option

Your Target Retirement Year

2000 2005 2010 2015 2020 2025 2030 2035 2040 2045 2050

Pyramis Lifecycle Option

Pyramis Lifecycle 2000 Pyramis Lifecycle 2005 Pyramis Lifecycle 2010 Pyramis Lifecycle 2015 Pyramis Lifecycle 2020 Pyramis Lifecycle 2025 Pyramis Lifecycle 2030 Pyramis Lifecycle 2035 Pyramis Lifecycle 2040 Pyramis Lifecycle 2045 Pyramis Lifecycle 2050

Your All-in-One Approach

Pyramis Lifecycle Options provide you with an "all-in-one" approach for retirement investing

­ A diversified portfolio ­ Automatic asset allocation changes

Professional Management Peace of mind

It is your responsibility to select and monitor your investments to make sure they continue to reflect your financial situation, risk tolerance, and time horizon. Most investment professionals suggest that you reexamine your investment strategy at least annually or when your situation changes. In addition, you may want to consult an investment adviser regarding your specific situation.

Where to Get More Information Contact Your Plans Services Center

Online · www.401k.com By Phone · Call your Plan's toll-free number

· 8:00 a.m. ­ Midnight, Eastern time · VRS virtually 24 hours

© 2008 FMR LLC.Corp. All rights reserved.

497149.1.0

Information

Microsoft PowerPoint - Lifecycle Brainshark FINAL.ppt

6 pages

Report File (DMCA)

Our content is added by our users. We aim to remove reported files within 1 working day. Please use this link to notify us:

Report this file as copyright or inappropriate

957302