Assumptions

Investment results

The questionnaire suggests one of 9 asset allocations based on the information you provide. The questionnaire also suggests funds based on your asset allocation.

Investment returns for the asset allocations are based on the following benchmark indexes:

Asset Class	Benchmark Index
Short-term reserves	FTSE 3-Month U.S. Treasury Bill Index*
Bonds	Barclays U.S. Capital Aggregate Bond Index**
Stocks	MSCI U.S. Broad Market Index***

* For U.S. short-term reserves, we use the Ibbotson U.S. 30-Day Treasury Bill Index from 1926 to 1977, and the FTSE 3-Month U.S. Treasury Bill Index thereafter.

** For U.S. bond market returns, we use the Standard & Poor's High Grade Corporate Index from 1926 to 1968; the Citigroup High Grade Index from 1969 to 1972; the Lehman U.S. Long Credit Aa Index from 1973 to 1975; and the Barclays U.S. Aggregate Bond Index thereafter.

*** For U.S. stock market returns, we use the Standard & Poor's 90 Index from 1926 to March 3, 1957; the Standard & Poor's 500 Index from March 4, 1957 to 1974; the Wilshire 5000 Index from 1975 to April 22, 2005; and the MSCI US Broad Market Index thereafter.

Keep in mind that the suggested allocation and funds are based on limited information. Conduct additional research or consult a professional advisor for more detailed recommendations.

Annual returns and inflation for a given asset allocation are based on historic data from 1926 through the last calendar year. Past performance is not a guarantee or a prediction of future results.

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