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Plan for the life you want in retirement.R E T I R E M E N T : A N E W B E G I N N I N G
When you think about your first day of retirement, what do you see? Are you relaxed and energized, thinking about all the wonderful new possibilities ahead?
LET’S EXPLORE THE POSSIBILITIES
Dear Employee,
Congratulations! You have reached an important milestone and you are now eligible to participate
in the Virginia International University 401(k) Plan.
We are pleased to be able to offer you this benefit. Planning for retirement may not be one of the
most exciting things you will ever do, but, taking some time now will put you in a position to be
better prepared financially.
We hope that you use the information in this enrollment kit, take advantage of this benefit and
make the most of this opportunity.
What Are The Next Steps?
1. Read through the enrollment kit.
2. Enroll in the plan today by completing the Enrollment and Beneficiary Forms.
3. Turn these forms into our Human Resources office.
Please contact our Human Resources office if you have any questions. Again, we are pleased to be
able to offer you this key benefit and wish you the best in preparing for and achieving your
retirement goals.
Sincerely,
Prashish Shrestha
Virginia International UniversityVirginia International University 401(k) Plan Highlights
ELIGIBILITY All employees must meet the eligibility requirements listed below for:
All contributions.
You must be 21 years old.You must complete 3 months of Service with at least 360 hours of service worked during those 3 months.
ENROLLMENT PERIODS
On meeting the eligibility requirements you may join the Plan:
The first day of the month coinciding with or after meeting the eligibility requirement(s).
CONTRIBUTIONS Employee Contributions
Through payroll deduction, you can make pre-tax contributions from 1.00% up to 100.00% of your eligible compensation. An Internal Revenue Service (IRS) dollar limit applies. The dollar limit is $18,000 for 2015. All eligible employees will be automatically enrolled into the Plan at 3% of compensation, unless they opt out by completing the enrollment form.
Roth ContributionsThe Plan allows you to make after-tax Roth contributions to your Retirement Plan. The Internal Revenue Code dollar limit also applies cumulatively to your employee pre-tax contributions and your Roth contributions. The dollar limit is $18,000 for 2015. To qualify for tax-free withdrawals, your money must remain in the account for five years and you must have reached 59 1/2. Unlike Roth IRAs, there is no income limit on who can make Roth contributions to a Retirement Plan. However, Roth contributions may be limited by applicable nondiscrimination rules for Retirement Plans. See your Plan Administrator for more details.
Catch-Up Contributions
If you are age 50 or older and make maximum allowable deferrals to your Plan, you are entitled to contribute an additional "catch-up contribution". The catch-up contribution is intended to help eligible employees make up for smaller contributions made earlier in their career. The maximum catch-up contribution is $6,000 for 2015. See your Plan Administrator for more details.
Employer Contributions
Match
The Plan provides for a matching contribution of 100% of Employee Deferrals not to exceed 3% of compensation, plus 50% on the next 2% Deferred.
Profit Sharing
Your employer may make Profit Sharing contributions at its discretion, which will be allocated among all eligible employees, whether or not they make contributions.
Virginia International UniversityVirginia International University 401(k) Plan Highlights
Employer contributions benefit all eligible employees.
Contribution Changes
You may increase or decrease the amount of your contributions at the beginning of the next payroll period.You may stop your contributions at any time.
VESTING Vesting refers to your 'ownership' of a benefit from the Plan. The money that you contribute and the money it earns are always 100% vested. Any rollover or transfer contributions you make are also 100% vested.
Employer Match Profit Sharing
Years of Service Vesting % Years of Service Vesting %
23456
20%40%60%80%100%
23456
20%40%60%80%100%
In order to be credited with a year of vesting, Participant must work at least 1,000 hours during the Plan Year.
In order to be credited with a year of vesting, Participant must work at least 1,000 hours during the Plan Year.
WITHDRAWALS
• Age 59 1/2 or older
• Financial Hardship
• Termination of Service
• Death
• Disability
Funds may be withdrawn from your Plan account in these events:
For age 59.5 and Hardship Distributions, you may take a distribution of Elective Deferrals and Rollover balances only. Rollover balances themselves may be taken at any time.
Virginia International UniversityVirginia International University 401(k) Plan Highlights
LOANS The Plan is intended to help you put aside money for your retirement. However your employer has included a Plan feature that lets you borrow money from the Plan.
You can have 1 loan outstanding at a time. The minimum loan amount is $1000.00.
A Participant loan may be for any reason and can be taken from all vested sources.
The amount you may borrow is limited by rules under the tax laws. In general, all loans will be limited to the lesser of one-half of your vested account balance or $50,000.
Other requirements and limits must be met, and certain fees may apply. Refer to the Summary Plan Description for more details about this participant loan feature.
HARDSHIP WITHDRAWALS
If you have an immediate financial need created by severe hardship and you lack other reasonably available resources to meet that need, you may be eligible to receive a hardship withdrawal from your Plan. Hardship withdrawals may be taken from 401(k) Deferrals and Rollover balances only.
A hardship, as defined by the government, can include:
• Purchase of your primary residence • Payment of tuition and related costs for the employee, spouse, dependents, or children who are no longer dependents for post-secondary education • Payment of certain medical expenses • Prevention of eviction from, or foreclosure on, your primary residence • Funeral/burial expenses for a parent, spouse, child or dependent • Repair of damages to employee's primary residence that qualifies for casualty deduction
ROLLOVERS You are allowed to roll over money into your account. See your Summary Plan Description or Plan Administrator for rollover details.
After meeting the eligibility requirement(s), Rollovers are allowed from Qualified Plans, 403(b), and 457(b).
Virginia International UniversityVirginia International University 401(k) Plan Highlights
404(c) STATEMENT
The Plan is intended to comply with ERISA Section 404(c) regulations. This simply means that you "exercise control" over some or all of the investments in your Plan account. The fiduciaries of the Plan may be relieved of liability, or responsibility, for any losses that you may experience as a direct result of your investment decisions. As a Plan participant, you may request certain information from:
Virginia International University Prashish Shrestha4401 Village Drive Vienna, VA 22030 571-382-0918
CONTACT INFORMATION
Financial Advisors
Lee HoffmanMerrill Lynch8075 Leesburg Pike, Ste. 600Vienna, VA 22182 [email protected]
Grant MarshMerrill Lynch8075 Leesburg Pike, Ste. 600Vienna, VA 22182 [email protected]
ACCOUNT INFORMATION
Participant Web Site www.accesscdm.com
Automated Voice Response Number 888-203-4015
Customer Service Number 888-203-4015
Today’s retirees are living longer than ever before – well into their 70s, 80s, 90s, and even 100s – and are pursuing diverse and active lifestyles. They volunteer, travel, exercise, help care for grandchildren and other family members, and even continue to work, ideally on their own terms. Retirement is no longer viewed as a time of rest after years of hard work, but the beginning of a brand new stage of life, complete with new adventures. How will you create yours?
Before you answer, consider this: Most people will probably need between 70% and 100% of their final income each year during retirement to afford a comfortable lifestyle.
But there’s a catch: Your income needs to increase a bit each year to keep up with the rising cost of living. For example, if you retire making $60,000 and decide that you’ll need 80% of that amount to live on, you’ll need a little more than $48,000 in your first year of retirement (including any income you would receive from Social Security). Then each year after that, your retirement income will need to rise to maintain your lifestyle.
That means you’ll need a sizable amount of money set aside before you retire in order to provide the income you’ll need during retirement.
There’s good news: your employer offers one of the most valuable employee benefits available today – a defined contribution retirement savings plan. By taking full advantage of your employer’s plan, you can help make your retirement the best stage of your life.
When you think about your first day of retirement, what do you see? Are you relaxed and energized, thinking about all the wonderful new possibilities ahead?
R E T I R E M E N T : A N E W B E G I N N I N G
How Much Will You Receive From Social Security?
Social Security has been the subject of much debate in recent years. While some folks hope to rely on Social Security for all of their retirement income, others question whether Social Security will help much at all. For most people, the reality probably falls somewhere in the middle. To get an estimate of your Social Security benefits, visit www.socialsecurity.gov.
Retirement Savings Plan
Social Security
Traditional Pension
Real Estate, Other Savings, Investments & Other Assets
R E T I R E M E N T : Y O U R R E T I R E M E N T I N C O M E S T R A T E G Y
In our parents’ and grandparents’ era, retirement income was built from what was often referred to as the “three-legged stool.” One leg was Social Security; the second leg was an employer benefit known as a pension plan; and the third was an individual’s own personal savings.
Unfortunately, traditional pension plans are rare nowadays – only a small percentage of companies offer one - and Social Security has become the source of much debate (see sidebar). Tomorrow’s retirees will likely need to piece together their income from a variety of sources, which might include the traditional legs mentioned above, as well as other sources of income, such as real estate, insurance and annuities, and perhaps even income
from a part-time job or a new business venture.
And fortunately for you, a potentially strong source of retirement income could be your employer-sponsored retirement savings plan. By taking full advantage of your plan now, you could make it the core piece of your retirement income strategy down the road.
This table offers a glimpse of how much it might take to provide 70% of a given salary each year for 25 years, using certain assumptions, including the fact that your salary will rise by 3% a year until you retire. These amounts do not consider any current savings you may have, or other possible income sources such as Social Security. They are meant to show how important it is to plan ahead.
To see how these figures might compare to your own savings target, use a goal-setting worksheet or an online retirement goal-setting calculator, or visit a financial professional.
Current Salary
Years Until Retirement
10 20 30
$40,000 $822,189 $1,104,953 $1,484,965
$60,000 $1,233,284 $1,657,430 $2,227,448
$80,000 $1,644,378 $2,209,907 $2,969,930
Figures are hypothetical and for illustrative purposes only. They assume a 3% inflation rate and a rate of return during retirement of 4% per year. Inflation and returns will fluctuate over time and cannot be guaranteed. Taxes are not considered.
What Does It Take to Provide Income for a Retirement That Lasts 25 years?
Convenience:
When you participate in an employer-sponsored savings plan, your contributions are taken directly from your paycheck. This process makes saving easy, allowing you to “pay yourself first,” automatically, each pay period. In addition, some employers offer an employer match—extra money that goes into your plan based on how much you contribute. If your plan offers a match, be sure to save at least enough to get the full amount. The money is similar to a guaranteed return on your contribution dollars.*
Tax advantages:
Depending on the type of plan your employer offers, you could cut your tax bill both now and in the future. With a traditional “pretax” savings plan, contributions are deducted from your pay before income taxes. That means your taxable income—and the amount you pay to Uncle Sam each year you participate in the plan—is lower. In addition, your account benefits from “tax deferral.” Unlike other investment accounts that require you to pay taxes each year on the earnings, qualified
retirement plans allow you to put off paying taxes on your earnings until you withdraw the money. Some plans also offer a Roth account. With Roth accounts, your contributions are taken from your pay after taxes, but withdrawals are tax free if certain requirements are met.**
Investment choice:
Your plan offers many different types of investments. This will help you put together a strategy to pursue your saving goals with a comfortable level of risk (see Investing 101 for more information).
*Employer matches are often subject to a vesting schedule, which means you need to be employed for a certain amount of time before the match money, and any earnings on it, is entirely yours.
**Withdrawals from non-Roth plans and nonqualified withdrawals from Roth plans will be taxed at then-current rates. In addition, early withdrawals will be subject to a 10% penalty tax. See your Summary Plan Description for more details.
Benefits for Today and Tomorrow. Your retirement savings plan offers three primary benefits, including convenience, tax advantages, and a variety of investments to consider.
This example assumes a 25% federal tax rate and a 6% plan contribution, and has been simplified for illustrative purposes. Your results will differ based on your unique circumstances.
Employee 1 Employee 2
Bi-Weekly Pay $2,000 $2,000
Plan Contribution $0 $120
Taxable Pay $2,000 $1,880
Taxes Paid $500 $470
Amount Contributed: $120
Immediate Savings: $30
1
2
3
Immediate Benefits of Pretax Contributions
Risk/Reward Comparison Key
� High Risk/Reward
� Mid Risk/Reward
� Low Risk/Reward
R E T I R E M E N T : I N V E S T I N G 1 0 1
Once you've made the decision to set aside money for retirement, the next important decision you'll make is how to invest that money. It is helpful to understand a few concepts and how they relate to your individual circumstances.
Stocks�
Higher Risk, Higher Potential Reward
Stocks represent ownership in a company – i.e., when you own stock in an organization, you actually own a small piece of that company. The number of shares you own determines how much of the company you own. Stocks are the most risky of the three asset classes, and therefore tend to offer the best potential for higher returns over time. But they also may present the greatest risk to your money.
Bonds� Moderate Risk, Moderate Potential Reward
Bonds represent loans you (the bondholder) make to a company or a government (the borrower). In return for the money you provide, the borrower promises to pay interest income at a stated rate. However, there are no guarantees that the borrower will continue to make its promised payments or that you will get the full value of your loan back. For this reason, bonds fall in the mid-range of the risk/return scale.
Cash�
Lower Risk, Lower Potential Reward
These investments are designed to protect your money. Although they are considered low risk in the sense that there is a small chance of losing your investment dollars, there is a larger risk that your money won’t grow enough to adequately pursue your savings goal.
First, let's consider some basic principles of investing. The investment options available in your plan may range from not so risky ("conservative") to very risky ("aggressive"). Riskier investments typically offer the chance for higher returns over the long term – but they also come with a greater chance of losing your savings.
Using a mix of different investments, a process known as "diversification," can help you manage risk in your portfolio.
The investments in your plan can generally be placed in one of three categories called "asset classes." They are stocks, bonds, and cash (also known as capital preservation). Each asset class has a different risk/return personality.
11%
9.2%6.0%
3.0%
2.3%
$8.02
$5.82
$3.24
4.0%$1.80
$1.57
This chart illustrates the historical growth of $1.00 invested in stocks, bonds, and cash for the 20 years ended December 31, 2013. It also shows how costs rise over time (inflation). As you think about your risk tolerance and how it relates to your asset allocation, consider your ability to ride out the dips in the value of your retirement savings plan in pursuit of long-term gains.
Source: Morningstar Principia. Performance covers the 20-year period ended December 31, 2013. Small stocks are represent-ed by the Russell 2000 Value Index; large stocks are represented by the S&P 500 Index; bonds are represented by the Barclays Capital Aggregate Bond Index; cash is represented by the 90-day U.S. Treasury bill; and inflation is represented by the Con-sumer Price Index. Indexes do not take into account the fees and expenses associated with investing, and individuals cannot invest directly in any index. Past performance cannot guarantee future results.
All investing involves risk, including the possible loss of principal. Stocks are particularly susceptible to volatility and market risk, or the risks that their prices will fluctuate with overall market conditions, and small stocks tend to experience wider price swings than large stocks. Bonds are subject to interest rate risk, or the risk that bond prices will decline with rising interest rates, as well as credit risk, or the possibility that the bond issuers will not be able to make their promised interest payments or repay principal. Cash investments are most susceptible to inflation risk, or the risk that returns will not keep pace with the rising cost of living. There can be no assurance than any investment strategy will be successful.
20-year historic performance of the three major asset classes and inflation
(results of $1 invested in January 1994)
� Small Stocks
� Large Stocks
� Bonds
� Cash
� Inflation
Annualized average returns
January 1994 December 2013
$1
Sneaky Inflation
Why take on any risk at all in your retirement savings plan? One important reason is the need to beat inflation, or the rising cost of living. Consider how much some everyday purchases could cost after 20 years at a 3% inflation rate.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . Gallon of milk 20 Years $3.50 today $6.32. . . . . . . . . . . . . . . . . . . . . . . . . . . . Haircut 20 Years $30 today $54.18. . . . . . . . . . . . . . . . . . . . . . . . . . . . Running shoes 20 Years $85 today $153.52. . . . . . . . . . . . . . . . . . . . . . . . . . . . New car 20 Years $20,000 today $36,122
December 2003
R E T I R E M E N T : C H O O S I N G Y O U R I N V E S T M E N T S
Something to Consider
Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which can be found in the prospectus available from the fund. Obtain a copy of the prospectus and read it carefully before investing.
Most retirement savings plans offer access to the three asset classes through mutual funds. These investments bring together the money from many different retirement plan participants to buy a pool, or “portfolio,” of individual stocks, bonds, and/or cash investments. By investing in a fund or several funds, you own small portions of each individual security. You are also taking advantage of the principle of diversification, which helps you manage risk. You select funds for your needs based on each fund’s objective (what it is designed to achieve).
Following are some common fund objectives
Typical objective
Description Invests in Risk level
Growth Growth of invest-ment dollars over time (can be more or less aggressive)
Mainly stocks Tend to offer higher long-term average returns, but carry most risk of loss
Income Provide stream of income over time
Mainly bonds Generally fall in the middle of the risk/return spectrum
Capital Preservation
Protect invest-ment dollars
Cash investments and low-risk bonds
Most conservative offerings in the plan; tend to offer lowest returns
Investment Mix
Your savings goal, time horizon and risk tolerance help to determine your investment mix.
Savings Goal
TimeHorizon
Risk Tolerance
InvestmentMix
When you choose investments for your retirement savings plan, you use a process called “asset allocation,” which refers to how you divide your investment dollars among the three main asset classes. But how do you make your choices?
Three main factors that will help guide your asset allocation decision:
Savings goal How much you want to have in your retirement savings plan account at retirement
Time horizon How long until you retire
Risk tolerance How much risk you are willing to take with your savings to pursue returns
1 2 3
Generally speaking, a large goal, a high tolerance for risk, and a long time horizon would translate into a more aggressive strategy – and a higher allocation to stock/growth investments. The opposite is also true: smaller goals, a low tolerance for risk, and a shorter time horizon might require a more conservative approach.
A careful analysis of these three personal factors can help you make thoughtful, strategic choices for your retirement savings plan. The goal setting and risk tolerance worksheets that may be included in this booklet can also help, or consider working with a financial professional.
Also keep in mind that there is no guarantee that any investment strategy will be successful; all investing involves risk, including the possible loss of principal. And remember that asset allocation and diversification can’t guarantee a profit or eliminate the possibility of potential losses, including the loss of principal.
R E T I R E M E N T : T H E P O W E R O F C O M P O U N D I N G
Age 50 and Over: Here’s a Chance to Catch Up!
If you are age 50 or over and are just now beginning to plan for retirement, don’t panic. Special Internal Revenue Service (IRS) “catch up” rules allow you to save more in your retirement savings plan. While most workers can contribute up to $17,500 in 2013, savers age 50 and older can save up to $23,000 in 2013. The IRS reviews these figures each year for possible adjustments.
Time horizon
Total amount saved
Total amount accumulated
10 years $31,200 $45,100
20 years $62,400 $135,835
30 years $93,600 $318,381
That’s the power of compounding at work. And
the longer your time horizon, the more dramatic the
results may be.
$45,100
$135,835
$318,381$350,000 -
$300,000 -
$250,000 -
$200,000 -
$150,000 -
$100,000 -
$ 50,000 -
$0 -10 3020Number of Years Invested
The Compounding Difference
Compounding, the most powerful force in the universe
It is believed that Albert Einstein once called compounding “the most powerful force in the universe.” Compounding is when your money earns returns, and then those returns earn more returns themselves. In your retirement savings account, compounding can be a driving force behind your rate of success.
Let’s say you contribute $120 to your retirement savings
plan on a biweekly basis. Assuming you earn a 7% rate
of return each year, your results would look like this:
These examples are hypothetical, for illustrative purposes only, and do not represent the performance of any actual investment. Returns will change from year to year, and cannot be guaranteed. You may also lose money in your retirement plan investments.
Plan now for your retirement. No matter what your age, now
is the time to begin planning for retirement. And an important first
step is participating in your employer-sponsored retirement savings plan.
Contribute as much as you can (up to plan limits) to benefit from any employer match, as well as current and future tax advantages.
Invest thoughtfully and strategically, based on your savings goal, time horizon, and risk tolerance.
Review your plan at least annually to ensure it stays on track.
1 2 3
How much might you need to retire? Use this worksheet to help target a total accumulation goal.
1. How much is your current income?
2. Multiply this amount by .80. This is an estimated annual income in retirement, in today’s dollars, based on 80% of your current income. (Or enter a different amount, if you choose. Most experts suggest 70% to 100% of your current annual income.)
3. How much might you receive from Social Security each year, in today’s dollars? Visit www.socialsecurity.gov to estimate your Social Security income.
4. How much might you receive each year from other sources, in today’s dollars, such as pension income?
5. Add lines 3 and 4. This is your total estimated annual income, in today’s dollars, from other sources.
6. Subtract line 5 from line 2. This is your estimated income gap, which you will need to make up from your retirement savings.
7. How many years until you retire?
8. Find the corresponding factor from Factor A (above) and enter it here.
9. Multiply line 6 by line 8. This is the amount that your savings will need to generate in year one of your retirement.
10. How long do you expect your retirement to last?
11. Find the corresponding number from Factor B (above) and enter it here.
12. Multiply line 9 by line 11. This is the target amount you may need to accumulate by the time you retire.
This worksheet assumes that inflation rises at an average of 3% per year both before and during retirement. It also assumes that your investments grow at an average of 6% per year before retirement, and 4% per year during retirement. Such assumptions are hypothetical and cannot be guaranteed.
This worksheet is not meant as advice, but as a way to provide a general estimate for illustrative purposes. Your specific goal should take into consideration your total family income, your current and expected assets, and other unique circumstances. A financial professional can help you calculate a goal that is specific to your particular situation.
Example You
Years until retirement 5 10 15 20 25 30 35 40Factor A 1.16 1.34 1.56 1.81 2.09 2.43 2.81 3.26
Factor B 4.90 9.58 14.03 18.27 22.32 26.17 29.84 33.34
$60,000 1. $ _________
$40,000 2. $ _________
$23,000 3. $ _________
$0 4. $ _________
$23,000 5. $ _________
$17,000 6. $ _________
20 years 7. __________
1.81 8. __________
$30,770 9. $ _________
25 years 10. _________
22.32 11. _________
$686,786 12. $ ________
E S T I M A T E Y O U R R E T I R E M E N T S A V I N G S G O A L
BlackRock Ready Assets Prime Money
Fund Overview as of 09/30/2014
Management Company
BlackRock
100 Bellevue ParkwayWilmington, DE 19809800-221-7210
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
MRAXX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Management Team
5.09 Yr(s)
02/19/1975
Money Market
2,320.6 Million
96
Redemption Fees
0.70%
n/a
n/a
$1.00
Investment PolicyThe investment seeks preservation of capital, liquidity and the highest possible current income consistent with this objective available from investing in a diversified portfolio of short-term money market securities. The fund seeks to achieve its investment objective by investing in a diversified portfolio of short-term money market securities. These securities are generally debt securities and other instruments that mature within 13 months, with certain exceptions. It only invests in money market instruments of issuers with one of the two highest short-term ratings.
Asset ClassificationMoney Market-Taxable
High
Medium
Low
Limtd ExtrMod
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Rating data is currently not available
Top 10 Holdings as of 07/31/2014
Holding Name Percent of TNAMizuho Securities Usa, Inc., 0.10% 8/01/14(To Be Repurchased At 70,000,194, 3.01%U.S. Treasury Notes: 0.25% 2.71%Sumitomo Mitsui Banking Corp., Ny 0.25% 2.62%Collateralized Commercial Paper Co. Llc : 0.27% 2.59%Citibank Na 0.24% 2.41%Natixis U.S. Finance Co. Llc., 0.10% 2.28%U.S. Treasury Notes: 0.09% 2.21%Wells Fargo Bank Na, 0.22% 2.15%Rabobank Nederland Nv, Ny: 0.27% 1.93%Canadian Imperial Bank Of Commerce, Ny : 0.29% 1.92%Percent of Assets in Top Holdings 23.83%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund 0.00% 0.00% 0.00% 0.00% 0.01% 1.48% 5.24%
Morningstar Cat* -0.01% 0.00% 0.01% 0.02% 0.02% 1.43% ---
Category Rank n/a n/a n/a n/a n/a n/a
* Morningstar Money Market-Taxable Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-221-7210.
Asset Allocation as of 07/31/2014
95.67%
3.71%
0.62%
Cash
Fixed
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
BlackRock Ready Assets Prime Money
2009
0.23%
2010
0.01%
2011
0.00%
2012
0.00%
2013
0.00%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-221-7210. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 07/31/2014
Cash and Equivalents
Government
Agency Mtg Backed
95.67%
3.06%
0.64%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan Core Plus Bond C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
Jpmorgan Trust II245 Park AvenueNew York, NY 10167800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
OBDCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
7.24 Yr(s)
05/30/2000
Taxable Bond
2,768.7 Million
2479
Redemption Fees
1.40%
25.00%
n/a
$8.36
Investment PolicyThe investment seeks a high level of current income by investing primarily in a diversified portfolio of high-, medium- and low-grade debt securities. The fund normally invests at least 80% of its assets in bonds. Under normal conditions, at least 65% of the fund's total assets must be invested in securities that, at the time of purchase, are rated investment grade (or the unrated equivalent). It may invest up to 35% of net assets in foreign securities, including securities denominated in foreign currencies.
Asset ClassificationIntermediate-Term
High
Medium
Low
Limtd ExtrMod
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAUS Treasury Bond 5.5% 1.03%U S Treas Sec Stripped Int Pmt 0.85%US Treasury Bond 8.125% 0.69%U S Treas Sec Stripped Int Pmt 0.69%U S Treas Sec Stripped Int Pmt 0.53%US Treasury Bond 8.125% 0.51%US Treasury Bond 4.375% 0.48%U S Treas Sec Stripped Int Pmt 0.48%Ml-Cfc Coml Mtg Tr 2007-9 CMO 5.7% 0.45%FNMA 3.5% 0.44%Percent of Assets in Top Holdings 6.15%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -0.04% 4.01% 4.56% 3.89% 5.23% 4.59% 5.27%
Morningstar Cat* -0.09% 4.01% 4.34% 3.41% 4.80% 4.45% ---
Category Rank 47% 54% 42% 35% 36% 46%
* Morningstar Intermediate-Term Bond Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
96.33%
2.74%
0.84%
0.08%
Fixed
Cash
Other
Equity
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan Core Plus Bond C
2009
15.21%
2010
9.12%
2011
5.92%
2012
6.31%
2013
-0.50%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
Corporate BondAgency Mtg Backed
GovernmentAsset Backed
Non-Agency Res Mtg BkCommercial Mtg Backed
Cash and EquivalentsGovernment Related
Bank LoanConvertible
Muni TaxableBasic Materials
Consumer CyclicalUtilities
32.28%21.09%
15.20%10.47%
8.92%5.46%
2.74%1.87%
0.60%0.27%0.27%0.06%0.01%0.01%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
AllianceBern High Income C
Fund Overview as of 09/30/2014
Management Company
AllianceBernstein
Alliancebernstein High Income Fund Inc1345 Avenue Of The AmericasNew York, NY 10105800-221-5672
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
AGDCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
8.71 Yr(s)
02/25/1994
Taxable Bond
6,922.6 Million
1288
Redemption Fees
1.60%
38.00%
n/a
$9.50
Investment PolicyThe investment seeks to maximize total returns from price appreciation and income. The fund pursues income opportunities from government, corporate, emerging market and high-yield sources. It has the flexibility to invest in a broad range of fixed-income securities in both developed and emerging market countries. The fund's investments may include U.S. and non-U.S. corporate debt securities and sovereign debt securities. It may invest, without limitation, in either U.S. Dollar-denominated or non-U.S. Dollar-denominated fixed-income securities.
Asset ClassificationMultisector Bond
High
Medium
Low
Limtd ExtrMod
MorningStar ®Style Box ™
0K
4K
8K
12K
16K
20K
24K
28K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAUS Treasury Bond 7.5% 0.73%Ivory Coast Republic 2.5% 0.61%Brazil(Fed Rep Of) 10% 0.61%Venezuela Rep 9.25% 0.49%Iasis Cap Llc / Iasis Cap 8.375% 0.32%Laureate Educ 144A 9.25% 0.31%Bmc Software Fin 144A 8.125% 0.29%Pra Merger Sub 144A 9.5% 0.27%Travelport Llc (Fka Travelport, Inc.) 9.50% 0.27%Dubai Hold Comm Op 6% 0.26%Percent of Assets in Top Holdings 4.16%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.53% 3.78% 6.69% 10.71% 9.79% 9.19% 10.33%
Morningstar Cat* -1.02% 3.84% 5.81% 6.56% 7.18% 6.05% ---
Category Rank 72% 49% 30% 9% 13% n/a
* Morningstar Multisector Bond Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-221-5672.
Asset Allocation as of 08/31/2014
79.08%
13.14%
7.63%
0.16%
Fixed
Cash
Other
Equity
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
AllianceBern High Income C
2009
60.49%
2010
15.91%
2011
1.21%
2012
17.75%
2013
5.72%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-221-5672. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Corporate BondCash and Equivalents
GovernmentNon-Agency Res Mtg BkCommercial Mtg Backed
PreferredConvertibleBank Loan
Agency Mtg BackedUS Muni Tax Advtged
Muni TaxableAsset Backed
Financial ServicesGovernment Related
Basic Materials
57.27%13.18%
10.73%5.27%
2.51%1.50%0.78%0.54%0.32%0.30%0.30%0.19%0.15%0.05%0.01%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
Columbia Limited Duration Credit C
Fund Overview as of 09/30/2014
Management Company
Columbia
Columbia Funds Series Trust II225 FRANKLIN STREETBOSTON, MA 02110800-345-6611
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
RDCLX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.39 Yr(s)
06/19/2003
Taxable Bond
1,171.6 Million
142
Redemption Fees
1.58%
93.00%
n/a
$9.93
Investment PolicyThe investment seeks to provide shareholders with a level of current income consistent with preservation of capital. Under normal circumstances, the fund invests at least 80% of its net assets (including the amount of any borrowings for investment purposes) in corporate bonds. It will primarily invest in debt securities with short- and intermediate-term maturities generally similar to those included in the fund's benchmark index, the Barclays U.S. 1-5 Year Corporate Index (the index).Asset Classification
Short-Term Bond
High
Medium
Low
Limtd ExtrMod
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
14K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNANYSE/Liffe 10 Year US Treasury Note Future Dec14 22.55%5 Year US Treasury Note Future Dec14 4.25%NYSE/Liffe 2 Year US Treasury Note Future Dec14 2.18%Transalta 1.9% 2.12%British Sky Broadcstg Grp 144A 3.125% 1.99%General Mls Inc Medterm Nts Be 6.19% 1.97%Verizon Comms 3.5% 1.80%Liberty Mut Grp 144A 6.7% 1.70%Dominion Res Inc Va New 4.45% 1.63%Five Corners Fdg Tr 144A 4.419% 1.63%Percent of Assets in Top Holdings 41.82%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -0.53% 0.89% 1.54% 2.51% 3.04% 2.87% 2.62%
Morningstar Cat* -0.18% 1.06% 1.47% 1.85% 2.49% 2.93% ---
Category Rank 92% 53% 38% 25% 26% 54%
* Morningstar Short-Term Bond Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-345-6611.
Asset Allocation as of 08/31/2014
51.01%
49.84%
-0.85%
Cash
Fixed
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
Columbia Limited Duration Credit C
2009
14.60%
2010
5.38%
2011
1.64%
2012
5.08%
2013
0.35%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-345-6611. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
Corporate Bond
Cash and Equivalents
Government
77.86%
51.01%
0.95%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan US Equity C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JUECX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.93 Yr(s)
09/07/2001
U.S. Equity
11,125.4 Million
174
Redemption Fees
1.47%
n/a
n/a
$14.76
Investment PolicyThe investment seeks to provide high total return from a portfolio of selected equity securities. Under normal circumstances, the fund invests at least 80% of its assets in equity securities of U.S. companies. "Assets" means net assets, plus the amount of borrowings for investment purposes. In implementing its strategy, the fund primarily invests in common stocks of large- and medium-capitalization U.S. companies but it may also invest up to 20% of its assets in common stocks of foreign companies, including depositary receipts.
Asset ClassificationLarge Blend
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
4K
8K
12K
16K
20K
24K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAApple Inc 3.66%Johnson & Johnson 3.20%Wells Fargo & Co 2.61%Schlumberger NV 2.19%Microsoft Corp 2.18%Google Inc Class C 2.03%Time Warner Inc 1.89%Bank of America Corporation 1.84%Honeywell International Inc 1.82%UnitedHealth Group Inc 1.76%Percent of Assets in Top Holdings 23.18%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund 1.11% 7.35% 18.99% 23.18% 14.81% 8.40% 6.72%
Morningstar Cat* -0.08% 6.33% 16.84% 21.59% 14.10% 7.51% ---
Category Rank 19% 37% 30% 25% 38% 19%
* Morningstar Large Blend Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
99.22%
0.78%
Equity
Cash
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan US Equity C
2009
32.05%
2010
13.39%
2011
-2.29%
2012
16.30%
2013
34.94%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
TechnologyFinancial Services
Health CareConsumer Cyclical
IndustrialsEnergy
Consumer DefensiveBasic Materials
Communication ServicesUtilities
Cash and EquivalentsReal Estate
20.56%16.08%
15.28%11.37%
10.44%10.06%
5.42%3.88%3.54%
2.20%0.78%0.38%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan US Small Company C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JTUCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
7.05 Yr(s)
11/01/2007
U.S. Equity
583.6 Million
366
Redemption Fees
1.77%
51.00%
n/a
$14.71
Investment PolicyThe investment seeks to provide high total return from a portfolio of small company stocks. Under normal circumstances, the fund invests at least 80% of its assets in equity securities of small cap US companies. Small cap companies are companies with market capitalizations similar to those within the universe of the Russell 2000® Index at the time of purchase. The fund pursues returns that exceed those of the Russell 2000® Index while seeking to limit its volatility relative to this index.Asset Classification
Small Blend
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
4K
8K
12K
16K
20K
07 08 09 10 11 12 13
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAIconix Brand Group Inc 1.30%Minerals Technologies Inc 1.27%InterDigital Inc 1.27%Strayer Education Inc 1.17%Manhattan Associates Inc 1.14%Dana Holding Corp 1.13%CYS Investments Inc 1.07%Tivo Inc 1.06%Rite Aid Corp 1.04%AAR Corp 1.03%Percent of Assets in Top Holdings 11.48%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -7.31% -3.29% 5.63% 23.37% 15.37% 7.97% 7.27%
Morningstar Cat* -6.75% -3.22% 5.66% 20.91% 14.18% 8.10% ---
Category Rank 67% 50% 50% 21% 31% 54%
* Morningstar Small Blend Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
96.58%
3.41%
0.01%
Equity
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan US Small Company C
2009
33.73%
2010
25.91%
2011
-4.53%
2012
20.41%
2013
39.35%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
TechnologyIndustrials
Consumer CyclicalFinancial Services
Health CareReal Estate
EnergyConsumer Defensive
Communication ServicesBasic Materials
Cash and EquivalentsUtilities
17.58%13.41%
12.66%12.23%
11.42%8.24%
5.27%4.98%
4.03%3.55%3.41%3.01%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
Federated International Leaders C
Fund Overview as of 09/30/2014
Management Company
Federated
Federated World Investment Series Inc4000 Ericsson DriveWarrendale, PA 15086-7561800-341-7400
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
FGFCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
10.63 Yr(s)
09/30/1998
International Equity
1,692.2 Million
56
Redemption Fees
1.99%
5.00%
n/a
$30.27
Investment PolicyThe investment seeks long-term capital growth. The fund invests primarily in a portfolio of equity securities issued by foreign companies that the adviser has deemed as undervalued relative to the company; the company's competitive position and/or its growth prospects. It invests primarily in foreign stocks in developed markets. The fund invests in companies from both developed (including the United States) and emerging market countries. It may invest in exchange-traded funds, derivative contracts and hybrid instruments in order to implement its investment strategies.
Asset ClassificationForeign Large Blend
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
4K
8K
12K
16K
20K
24K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 06/30/2014
Holding Name Percent of TNATopix Indx Futr Sep14 9.05%Credit Suisse Group 3.52%BNP Paribas 2.82%UniCredit SpA 2.67%Kering 2.50%Daimler AG 2.47%Banco Santander SA 2.45%Imperial Tobacco Group PLC 2.34%CRH PLC 2.21%Bayerische Motoren Werke AG 2.19%Percent of Assets in Top Holdings 32.22%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -6.60% -4.36% 2.16% 18.17% 9.13% 8.33% 8.72%
Morningstar Cat* -5.62% -2.01% 3.75% 13.05% 6.22% 6.25% ---
Category Rank 81% 85% 73% 3% 4% 13%
* Morningstar Foreign Large Blend Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-341-7400.
Asset Allocation as of 06/30/2014
83.79%
16.21%
Equity
Cash
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
Federated International Leaders C
2009
48.41%
2010
17.72%
2011
-19.11%
2012
29.06%
2013
26.16%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-341-7400. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 06/30/2014
Financial Services
Consumer Cyclical
Cash and Equivalents
Industrials
Basic Materials
Consumer Defensive
Technology
Real Estate
22.32%
16.38%
16.21%
13.21%
10.47%
7.62%
2.49%
2.26%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
BlackRock Global SmallCap Inv C
Fund Overview as of 09/30/2014
Management Company
BlackRock
Blackrock Global Smallcap Fund, Inc.100 Bellevue ParkwayWilmington, MD 19809800-441-7762
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
MCGCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
9.58 Yr(s)
10/21/1994
International Equity
1,207.9 Million
201
Redemption Fees
2.22%
77.00%
n/a
$24.74
Investment PolicyThe investment seeks long-term growth of capital. The fund invests in a diversified portfolio primarily consisting of equity securities of small cap issuers in various foreign countries and in the United States. It invests at least 80% of its assets in equity securities of small cap issuers. Small cap issuers are those whose market capitalization is similar to the market capitalization of companies in the Morgan Stanley Capital International ("MSCI") All Country World Small Cap IndexSM.Asset Classification
World Stock
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
4K
8K
12K
16K
20K
24K
28K
04 05 06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAAfrica Oil Corp 1.26%NuVasive Inc 1.11%Aryzta AG 1.11%Edwards Lifesciences Corp 1.06%Teleflex Inc 1.02%HD Supply Holdings Inc 1.01%Rouse Properties Inc 1.00%SUPERVALU Inc 1.00%Merit Medical Systems Inc 0.98%Silver Bay Realty Trust Corp 0.98%Percent of Assets in Top Holdings 10.53%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -8.10% -0.80% 9.17% 17.97% 10.59% 8.53% 9.00%
Morningstar Cat* -3.27% 2.26% 9.78% 16.68% 10.46% 7.45% ---
Category Rank 97% 84% 58% 34% 51% 30%
* Morningstar World Stock Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-441-7762.
Asset Allocation as of 08/31/2014
94.51%
4.57%
0.92%
Equity
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
BlackRock Global SmallCap Inv C
2009
33.63%
2010
17.35%
2011
-11.49%
2012
15.63%
2013
34.35%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-441-7762. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
IndustrialsTechnologyHealth Care
Consumer CyclicalBasic Materials
Financial ServicesReal Estate
EnergyConsumer Defensive
Cash and EquivalentsUtilities
Communication Services
14.65%12.12%12.12%
11.63%9.96%
8.93%8.40%
6.85%5.43%
4.70%2.38%
0.81%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
Columbia Emerging Markets C
Fund Overview as of 09/30/2014
Management Company
Columbia
Columbia Funds Series Trust IOne Financial CenterBoston, MA 02111800-345-6611
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
EEMCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.38 Yr(s)
09/27/2007
International Equity
1,562.6 Million
155
Redemption Fees
2.53%
81.00%
n/a
$9.93
Investment PolicyThe investment seeks long-term capital appreciation. The fund invests at least 80% of its net assets (including the amount of any borrowings for investment purposes) in equity securities (including, but not limited to, common stocks, preferred stocks and securities convertible into common or preferred stocks) of companies located in emerging market countries. Emerging market countries include those countries whose economies are considered to be developing or emerging from underdevelopment.
Asset ClassificationDiversified Emerging
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNASamsung Electronics Co Ltd 2.74%Tencent Holdings Ltd. 2.20%Itau Unibanco Holding SA ADR 2.18%Naspers Ltd Class N 1.90%Petroleo Brasileiro SA Petrobras 1.84%ICICI Bank Ltd ADR 1.62%Metropolitan Bank & Trust Company 1.35%Hyundai Motor Co 1.29%Grupo Financiero Banorte SAB de CV Class O 1.29%Taiwan Semiconductor Manufacturing Co Ltd 1.24%Percent of Assets in Top Holdings 17.65%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -4.24% 0.30% 4.75% 8.06% 4.43% 8.30% -1.58%
Morningstar Cat* -3.47% 2.08% 4.81% 7.92% 4.28% 9.83% ---
Category Rank 68% 69% 44% 45% 44% 87%
* Morningstar Diversified Emerging Mkts Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-345-6611.
Asset Allocation as of 08/31/2014
96.28%
2.64%
1.09%
Equity
Other
Cash
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
Columbia Emerging Markets C
2009
74.83%
2010
18.98%
2011
-19.82%
2012
23.02%
2013
-2.46%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-345-6611. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top Sectors By Percent** as of 08/31/2014
TechnologyFinancial ServicesConsumer Cyclical
Basic MaterialsConsumer Defensive
Health CareIndustrials
EnergyUtilities
Communication ServicesCorporate Bond
Cash and Equivalents
23.34%21.95%
15.29%8.69%8.59%
5.60%3.63%3.36%3.05%2.78%
2.10%1.09%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® Income C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JSRCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.73 Yr(s)
05/15/2006
Allocation
1,779.8 Million
27
Redemption Fees
1.46%
11.00%
n/a
$17.40
Investment PolicyThe investment seeks current income and some capital appreciation. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors who are retired or about to retire soon. It is designed to provide exposure to a variety of asset classes through investments in underlying funds, with an emphasis on fixed income funds over equity funds and other funds.
Asset ClassificationRetirement Income
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Core Bond R6 29.63%JPMorgan Disciplined Equity R6 11.22%JPMorgan High Yield R6 5.73%JPMorgan Inflation Managed Bond R6 4.79%JPMorgan Corporate Bond R6 4.06%JPMorgan Floating Rate Income R6 3.66%JPMorgan Emerging Markets Debt R6 2.99%JPMorgan Value Advantage Instl 2.85%JPMorgan Growth Advantage R5 2.82%JPMorgan Realty Income R5 2.49%Percent of Assets in Top Holdings 70.24%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.21% 2.66% 5.79% 7.83% 6.41% n/a 4.60%
Morningstar Cat* -1.17% 3.06% 5.90% 7.87% 6.89% 4.53% ---
Category Rank 56% 74% 53% 46% 61% n/a
* Morningstar Retirement Income Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
48.16%
35.12%
16.00%
0.73%
Fixed
Equity
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® Income C
2009
20.50%
2010
10.33%
2011
0.26%
2012
9.35%
2013
6.88%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Cash and EquivalentsCorporate Bond
GovernmentAgency Mtg Backed
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
EnergyBank Loan
Asset BackedNon-Agency Res Mtg Bk
Basic Materials
16.00%14.87%
12.45%10.62%
5.60%4.93%4.77%
3.95%3.28%3.21%3.13%3.01%
2.55%2.35%2.29%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2015 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JSFCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.73 Yr(s)
05/15/2006
Allocation
2,175.8 Million
27
Redemption Fees
1.52%
10.00%
n/a
$17.49
Investment PolicyThe investment seeks total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2015 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2011-2015
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Core Bond R6 29.97%JPMorgan Disciplined Equity R6 11.53%JPMorgan High Yield R6 5.35%JPMorgan Corporate Bond R6 4.15%JPMorgan Inflation Managed Bond R6 3.69%JPMorgan Growth Advantage R5 3.61%JPMorgan Value Advantage Instl 3.24%JPMorgan Intrepid America R5 3.14%JPMorgan International Equity R6 3.11%JPMorgan Intl Opp R6 3.04%Percent of Assets in Top Holdings 70.83%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.24% 2.91% 6.86% 10.14% 7.90% n/a 4.82%
Morningstar Cat* -1.40% 3.26% 6.88% 9.77% 7.81% 5.44% ---
Category Rank 41% 67% 58% 50% 51% n/a
* Morningstar Target Date 2011-2015 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
46.13%
41.15%
12.03%
0.70%
Fixed
Equity
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2015 C
2009
25.77%
2010
12.80%
2011
-0.68%
2012
11.72%
2013
9.48%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Corporate BondCash and Equivalents
GovernmentAgency Mtg Backed
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
EnergyAsset Backed
Bank LoanNon-Agency Res Mtg Bk
Consumer Defensive
14.29%12.03%12.03%
10.46%6.67%
5.95%5.66%
4.65%3.92%3.91%
3.42%2.51%2.36%2.36%2.34%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2020 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JTTCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.73 Yr(s)
05/15/2006
Allocation
4,653.6 Million
27
Redemption Fees
1.56%
9.00%
n/a
$18.27
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2020 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2016-2020
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Core Bond R6 28.39%JPMorgan Disciplined Equity R6 11.77%JPMorgan High Yield R6 4.78%JPMorgan Growth Advantage R5 4.49%JPMorgan Intrepid America R5 4.49%JPMorgan US Equity R6 4.34%JPMorgan Value Advantage Instl 4.28%JPMorgan International Equity R6 4.26%JPMorgan Realty Income R5 4.20%JPMorgan Intl Opp R6 4.08%Percent of Assets in Top Holdings 75.08%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.32% 3.36% 8.22% 12.28% 9.09% n/a 5.27%
Morningstar Cat* -1.55% 3.30% 7.54% 10.86% 8.40% 5.47% ---
Category Rank 31% 44% 41% 32% 35% n/a
* Morningstar Target Date 2016-2020 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
53.03%
39.14%
7.21%
0.62%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2020 C
2009
28.26%
2010
13.92%
2011
-1.67%
2012
13.63%
2013
12.71%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Corporate BondGovernment
Agency Mtg BackedFinancial Services
TechnologyConsumer Cyclical
Cash and EquivalentsHealth CareReal Estate
IndustrialsEnergy
Consumer DefensiveBasic Materials
Asset BackedNon-Agency Res Mtg Bk
12.55%10.34%
9.30%8.76%
7.69%7.31%7.21%
5.95%5.36%5.12%
4.16%3.03%2.68%
2.22%2.19%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2025 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JNSCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.13 Yr(s)
07/31/2007
Allocation
3,752.6 Million
22
Redemption Fees
1.60%
7.00%
n/a
$17.66
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2025 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2021-2025
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
14K
07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Core Bond R6 22.20%JPMorgan Disciplined Equity R6 13.40%JPMorgan Growth Advantage R5 5.46%JPMorgan Intrepid America R5 5.27%JPMorgan Value Advantage Instl 5.17%JPMorgan US Equity R6 4.93%JPMorgan Realty Income R5 4.76%JPMorgan International Equity R6 4.61%JPMorgan Intl Opp R6 4.57%JPMorgan High Yield R6 4.33%Percent of Assets in Top Holdings 74.70%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.41% 3.43% 9.28% 14.20% 9.91% n/a 4.72%
Morningstar Cat* -1.73% 3.45% 8.68% 13.09% 9.63% 6.37% ---
Category Rank 28% 54% 36% 30% 35% n/a
* Morningstar Target Date 2021-2025 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
62.03%
30.46%
6.97%
0.54%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2025 C
2009
30.23%
2010
14.70%
2011
-3.24%
2012
15.02%
2013
16.07%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesCorporate Bond
TechnologyConsumer Cyclical
GovernmentAgency Mtg Backed
Cash and EquivalentsHealth CareReal Estate
IndustrialsEnergy
Consumer DefensiveBasic Materials
Communication ServicesNon-Agency Res Mtg Bk
10.34%10.20%
9.03%8.63%8.42%
7.06%6.97%6.93%
6.13%6.00%
4.84%3.53%
3.09%2.00%1.70%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2030 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JSMCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.73 Yr(s)
05/15/2006
Allocation
4,487.2 Million
22
Redemption Fees
1.63%
10.00%
n/a
$18.93
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2030 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2026-2030
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K18K
06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Core Bond R6 15.30%JPMorgan Disciplined Equity R6 13.70%JPMorgan Growth Advantage R5 6.44%JPMorgan Intrepid America R5 6.28%JPMorgan Value Advantage Instl 6.23%JPMorgan US Equity R6 5.83%JPMorgan International Equity R6 5.49%JPMorgan Intl Opp R6 5.47%JPMorgan Realty Income R5 5.12%JPMorgan High Yield R6 4.18%Percent of Assets in Top Holdings 74.04%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.48% 3.46% 10.18% 15.72% 10.51% n/a 5.65%
Morningstar Cat* -1.90% 3.34% 9.02% 13.65% 9.69% 5.98% ---
Category Rank 27% 49% 29% 23% 31% n/a
* Morningstar Target Date 2026-2030 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
69.68%
23.22%
6.57%
0.52%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2030 C
2009
31.73%
2010
15.59%
2011
-4.86%
2012
16.11%
2013
18.89%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalCorporate Bond
Health CareIndustrials
GovernmentReal Estate
Cash and EquivalentsEnergy
Agency Mtg BackedConsumer Defensive
Basic MaterialsCommunication Services
Utilities
11.67%10.19%
9.75%8.30%
7.82%6.75%6.74%6.67%6.57%
5.42%4.87%
3.97%3.51%
2.23%1.68%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2035 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
SRJCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.13 Yr(s)
07/31/2007
Allocation
2,846.3 Million
22
Redemption Fees
1.65%
8.00%
n/a
$18.13
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2035 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2031-2035
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
14K
07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.17%JPMorgan Core Bond R6 9.61%JPMorgan Growth Advantage R5 7.20%JPMorgan Value Advantage Instl 6.97%JPMorgan Intrepid America R5 6.58%JPMorgan US Equity R6 6.43%JPMorgan International Equity R6 5.92%JPMorgan Intl Opp R6 5.88%JPMorgan Realty Income R5 5.57%JPMorgan Intrepid International Inst 5.08%Percent of Assets in Top Holdings 74.41%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.64% 3.37% 10.77% 16.97% 11.01% n/a 4.92%
Morningstar Cat* -2.05% 3.36% 9.89% 15.52% 10.69% 6.66% ---
Category Rank 32% 56% 34% 22% 33% n/a
* Morningstar Target Date 2031-2035 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
76.83%
17.01%
5.66%
0.51%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2035 C
2009
32.84%
2010
15.70%
2011
-5.55%
2012
17.17%
2013
21.11%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
Corporate BondEnergy
Cash and EquivalentsGovernment
Consumer DefensiveBasic Materials
Agency Mtg BackedCommunication Services
Utilities
12.95%11.19%
10.74%8.60%
7.43%7.30%
6.77%5.99%5.66%
5.07%4.38%
3.89%3.06%
2.48%1.86%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2040 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
SMTCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.73 Yr(s)
05/15/2006
Allocation
3,177.9 Million
22
Redemption Fees
1.66%
9.00%
n/a
$19.39
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2040 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2036-2040
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K18K
06 07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.12%JPMorgan Intrepid America R5 7.39%JPMorgan Value Advantage Instl 7.33%JPMorgan Growth Advantage R5 7.26%JPMorgan US Equity R6 7.04%JPMorgan International Equity R6 6.51%JPMorgan Intl Opp R6 6.28%JPMorgan Core Bond R6 6.07%JPMorgan Realty Income R5 5.88%JPMorgan Intrepid International Inst 5.08%Percent of Assets in Top Holdings 73.96%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.75% 3.42% 11.00% 17.31% 11.19% n/a 5.95%
Morningstar Cat* -2.14% 3.34% 9.90% 15.37% 10.45% 6.26% ---
Category Rank 37% 53% 36% 25% 33% n/a
* Morningstar Target Date 2036-2040 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
80.58%
12.95%
5.97%
0.50%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2040 C
2009
32.59%
2010
15.87%
2011
-5.68%
2012
17.22%
2013
21.97%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
EnergyCash and Equivalents
Corporate BondConsumer Defensive
Basic MaterialsGovernment
Communication ServicesUtilities
Agency Mtg Backed
13.59%11.71%
11.22%9.00%
7.80%7.70%
6.28%5.97%5.64%
4.63%4.10%4.03%
2.60%1.95%1.93%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2045 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JSACX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.13 Yr(s)
07/31/2007
Allocation
1,624.2 Million
22
Redemption Fees
1.65%
8.00%
n/a
$18.41
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2045 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2041-2045
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.08%JPMorgan Intrepid America R5 7.36%JPMorgan US Equity R6 7.24%JPMorgan Growth Advantage R5 7.16%JPMorgan Value Advantage Instl 7.09%JPMorgan Core Bond R6 6.25%JPMorgan International Equity R6 6.14%JPMorgan Intl Opp R6 6.05%JPMorgan Realty Income R5 5.85%JPMorgan Intrepid International Inst 5.82%Percent of Assets in Top Holdings 74.04%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.76% 3.36% 10.96% 17.30% 11.15% n/a 5.21%
Morningstar Cat* -2.19% 3.35% 10.43% 16.85% 11.10% 7.56% ---
Category Rank 33% 53% 43% 38% 48% n/a
* Morningstar Target Date 2041-2045 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
80.36%
13.04%
6.11%
0.49%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2045 C
2009
32.95%
2010
15.63%
2011
-5.60%
2012
17.30%
2013
21.96%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
EnergyCash and Equivalents
Corporate BondConsumer Defensive
Basic MaterialsGovernment
Communication ServicesAgency Mtg Backed
Utilities
13.54%11.68%
11.17%9.01%
7.79%7.65%
6.27%6.11%
5.60%4.62%
4.08%4.06%
2.60%1.99%1.93%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2050 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JTSCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
6.13 Yr(s)
07/31/2007
Allocation
1,281.5 Million
22
Redemption Fees
1.65%
8.00%
n/a
$18.35
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2050 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2046-2050
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K2K4K6K8K
10K12K14K16K
07 08 09 10 11 12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Conservative Moderate Aggressive
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Disciplined Equity R6 15.39%JPMorgan Intrepid America R5 7.34%JPMorgan Growth Advantage R5 7.17%JPMorgan US Equity R6 6.91%JPMorgan Value Advantage Instl 6.87%JPMorgan International Equity R6 6.21%JPMorgan Intl Opp R6 6.00%JPMorgan Intrepid International Inst 5.90%JPMorgan Realty Income R5 5.89%JPMorgan Core Bond R6 5.81%Percent of Assets in Top Holdings 73.49%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.76% 3.33% 10.90% 17.27% 11.20% n/a 5.23%
Morningstar Cat* -2.21% 3.41% 10.25% 15.95% 10.68% 6.66% ---
Category Rank 32% 61% 47% 38% 47% n/a
* Morningstar Target Date 2046-2050 Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
80.44%
12.64%
6.42%
0.49%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2050 C
2009
32.76%
2010
16.05%
2011
-5.65%
2012
17.30%
2013
21.90%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalHealth Care
IndustrialsReal Estate
Cash and EquivalentsEnergy
Corporate BondConsumer Defensive
Basic MaterialsGovernment
Communication ServicesUtilities
Agency Mtg Backed
13.54%11.67%
11.19%8.99%
7.81%7.71%
6.42%6.27%
5.57%4.63%
4.09%3.92%
2.61%1.93%1.85%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
JPMorgan SmartRetirement® 2055 C
Fund Overview as of 09/30/2014
Management Company
JPMorgan
JPMorgan Trust I1111 Polaris Parkway, Ste. 2-jColumbus, OH 43240800-480-4111
Ticker
Expense Ratio
Month End NAV (09/30/2014)
Sub-Advisor
JFFCX
None
Fund Manager
Fund Manager Tenure
Inception Date
Asset Type
Share Class Assets
# of Securities
Avg 12 Month Turnover
Team
2.67 Yr(s)
01/31/2012
Allocation
158.7 Million
22
Redemption Fees
1.68%
49.00%
n/a
$20.20
Investment PolicyThe investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2055 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund's asset allocation strategy will change.
Asset ClassificationTarget Date 2051+
Large
Medium
Small
Val GrwthBlnd
MorningStar ®Style Box ™
0K
2K
4K
6K
8K
10K
12K
14K
12 13 14
Growth of $10,000 Investment as of 09/30/2014
Performance shown in the Growth of $10,000 chart does not include any applicable sales charges and fees. The chart represents a hypothetical investment at the beginning of the time period shown.
Investment Risk
Rating data is currently not available
Top 10 Holdings as of 08/31/2014
Holding Name Percent of TNAJPMorgan Disciplined Equity R6 14.49%JPMorgan Intrepid America R5 7.56%JPMorgan Growth Advantage R5 7.37%JPMorgan Value Advantage Instl 7.17%JPMorgan US Equity R6 7.16%JPMorgan International Equity R6 6.14%JPMorgan Intrepid International Inst 6.12%JPMorgan Intl Opp R6 6.09%JPMorgan Realty Income R5 5.97%JPMorgan Core Bond R6 5.84%Percent of Assets in Top Holdings 73.91%
Data is based on information collected from the investment company, is updated as of the date shown on the section's title, and will vary over time.
Annualized Performance as of 09/30/2014
3 mos YTD 1 Yr 3 Yrs 5 Yrs 10 Yrs Life
Fund -1.83% 3.44% 10.99% n/a n/a n/a 13.35%
Morningstar Cat* -2.18% 3.34% 10.79% 17.21% 10.73% n/a ---
Category Rank 39% 48% 53% n/a n/a n/a
* Morningstar Target Date 2051+ Average
The performance information contained herein represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that your investment, when redeemed, may be worth more or less than their performance data quoted. Current performance may be higher or lower than the performance shown here. The most recent month-end performance information for the Fund may be obtained by contacting the mutual fund company at 800-480-4111.
Asset Allocation as of 08/31/2014
80.50%
12.73%
6.28%
0.50%
Equity
Fixed
Cash
Other
Asset Allocation may equal less than or greater than 100% due to hedged funds or leveraged cash positions by the fund.
Calendar Year Performance as of 09/30/2014
JPMorgan SmartRetirement® 2055 C
2013
21.93%
You should consider the investment objectives, risks, charges and expenses of theFund carefully before investing. This and other information is contained in the Fund’s Prospectus, which can be obtained by contacting the mutual fund company at 800-480-4111. You should read the Prospectus carefully before choosing a Fund.SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Top 15 Sectors By Percent** as of 08/31/2014
Financial ServicesTechnology
Consumer CyclicalHealth CareReal Estate
IndustrialsEnergy
Cash and EquivalentsCorporate Bond
Consumer DefensiveBasic Materials
GovernmentCommunication Services
Agency Mtg BackedUtilities
13.59%11.48%11.42%
8.77%7.79%7.70%
6.34%6.28%
5.51%4.83%
4.04%4.03%
2.69%1.86%1.84%
** Sector weightings based on Industry Classification Benchmarks (ICB) Industries
Mutual Fund Detail ReportDisclosure Statement
This fund fact sheet is provided by Matrix Settlement and Clearing Services, LLC (MSCS) and its affiliate MSCS Financial Services (MSCSFS) member FINRA.Securities services may be offered through MSCSFS, a wholly-owned subsidiary of MSCS. This fund fact sheet is for informational and research purposes onlyand we do not guarantee the accuracy, timeliness or completeness of the information provided. Data is based on information collected from the investmentcompany, it is updated as of the date shown in the section’s title, and will vary over time.
The total return information does not reflect the deduction of the Sales Load that may apply if the Fund shares were purchased outside of the Plan and, if theSales Load were reflected, performance would be lower.
A market index is an unmanaged portfolio of securities such as stocks and bonds. An index is often used as a comparative benchmark for managed portfoliossuch as mutual funds. These indices are presented to help you evaluate the performance of the broad market, which they represent, and provide you with anunderstanding of that market’s historic long-term performance, and a broad indication of price movement. Individual investors cannot invest directly in an index.Past performance is not indicative of future results.
© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
The Morningstar Style Box reveals a Fund’s investment style as of the date noted on this report. For equity funds the vertical axis shows the market capitalization of the stocks owned and the horizontal axis shows investment style (value, blend, or growth).
Morningstar Risk evaluates a mutual fund’s downside volatility relative to that of other funds in its Morningstar Category. It is an assessment of the variations in a fund’s monthly returns, with an emphasis on downside variations, in comparison with the mutual funds in its Morningstar Category. In each Morningstar Category, the 10% of funds with the lowest measured risk are described as Low Risk (LOW), the next 22.5% Below Average (-AVG), the middle 35% Average (AVG), the next 22.5% Above Average (+AVG), and the top 10% High (HIGH). Morningstar Risk is measured for up to three time periods (three-, five-, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the mutual fund. Funds with less than three years of performance history are not rated.
Style Analysis Risk
Investment Performance Summary
Investment Name Performance As of Date
Year to Date 3 Month 1 Year 3 Year 5 Year 10 Year
Since Inception
Fund Return
Gross Expense
Ratio
Net Expense
Ratio
BlackRock Ready Assets Prime Money 10/31/2014 0.00% 0.00% 0.00% 0.00% 0.00% 1.47% 5.23% 0.70% 0.70%
JPMorgan Core Plus Bond C 10/31/2014 5.00% 1.17% 4.40% 3.76% 5.23% 4.60% 5.30% 1.45% 1.40%
AllianceBern High Income C 10/31/2014 4.34% -0.38% 4.87% 8.92% 9.52% 9.07% 10.32% 1.60% 1.60%
Columbia Limited Duration Credit C 10/31/2014 1.07% -0.30% 1.17% 2.01% 2.90% 2.83% 2.62% 1.62% 1.58%
JPMorgan US Equity C 10/31/2014 10.18% 4.93% 17.22% 19.53% 15.69% 8.60% 6.89% 1.56% 1.47%
JPMorgan US Small Company C 10/31/2014 3.35% 5.36% 8.60% 20.36% 18.45% 8.50% 8.20% 1.94% 1.77%
Federated International Leaders C 10/31/2014 -5.12% -3.69% -2.35% 12.83% 9.54% 7.98% 8.62% 2.27% 1.99%
BlackRock Global SmallCap Inv C 10/31/2014 -0.28% -3.68% 4.57% 13.96% 11.89% 8.39% 8.99% 2.16% 2.16%
Columbia Emerging Markets C 10/31/2014 1.62% -2.71% 1.11% 4.37% 5.06% 8.12% -1.38% 2.57% 2.53%
JPMorgan SmartRetirement® Income C 10/31/2014 4.07% 1.13% 5.24% 6.49% 6.78% NA 4.72% 1.62% 1.43%
JPMorgan SmartRetirement® 2015 C 10/31/2014 4.56% 1.36% 6.16% 8.21% 8.49% NA 4.97% 1.65% 1.52%
JPMorgan SmartRetirement® 2020 C 10/31/2014 5.40% 1.84% 7.50% 10.11% 9.84% NA 5.46% 1.70% 1.56%
JPMorgan SmartRetirement® 2025 C 10/31/2014 5.71% 2.08% 8.33% 11.63% 10.79% NA 4.98% 1.74% 1.60%
JPMorgan SmartRetirement® 2030 C 10/31/2014 5.87% 2.24% 9.00% 12.86% 11.48% NA 5.88% 1.78% 1.63%
JPMorgan SmartRetirement® 2035 C 10/31/2014 5.88% 2.30% 9.47% 13.82% 12.02% NA 5.21% 1.82% 1.65%
JPMorgan SmartRetirement® 2040 C 10/31/2014 5.98% 2.34% 9.68% 14.16% 12.23% NA 6.19% 1.85% 1.66%
JPMorgan SmartRetirement® 2045 C 10/31/2014 5.94% 2.34% 9.66% 14.16% 12.19% NA 5.51% 1.87% 1.65%
JPMorgan SmartRetirement® 2050 C 10/31/2014 5.92% 2.35% 9.67% 14.16% 12.26% NA 5.52% 1.90% 1.65%
JPMorgan SmartRetirement® 2055 C 10/31/2014 6.05% 2.34% 9.84% NA NA NA 13.94% 2.04% 1.68%
For more information about any investment option available in your Retirement Plan, please request a prospectus. A prospectus contains more information regarding risks, fees, and expenses. You should read and consider information in a prospectus carefully before investing. Investment returns will fluctuate, cannot be guaranteed and do not predict the future performance of any investment.
© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
A S S E T A L L O C A T I O N Q U E S T I O N N A I R E
Successful investors adhere to a disciplined investing process. To determine which investment process is appropriate for you and your retirement plan assets, answer the following questions regarding your time horizon, risk tolerance, and investment objectives. The result will lead you to an asset allocation strategy that may be appropriate for your particular financial needs objectives.
Diversification through asset allocation attempts to balance the level of risk with which you are comfortable and the level of return you like to receive. * Diversification does not guarantee against a loss, and there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.
1. When do you expect to begin withdrawing money from your investment account?
2. Once you begin withdrawing money from you investment account, how long do you expect the withdrawals to last?
3. Historically, investors who have received high level long-term average returns have experienced greater fluctuations in their account values than investors in more conservative investments. Considering the above, which statement best describes your investment objectives?
4. Suppose you owned a well-diversified portfolio that declined 20% in a short period of time in a volatile market environment. Assuming you still have 10 years until you begin taking withdrawals, what, if any, action would you take?
5. How do you feel about this statement – I am comfortable with the investments that may frequently experience large declines in value if there is a potential for higher returns?
Aggressive GrowthScore between
55-62
Equities 90%Fixed Income 10%
Stable/Money Market 0%
Equities 75%Fixed Income 25%
Stable/Money Market 0%
Equities 65%Fixed Income 25%
Stable/Money Market 10%
Equities 50%Fixed Income 35%
Stable/Money Market 15%
Equities 40%Fixed Income 40%
Stable/Money Market 20%
Equities 30%Fixed Income 50%
Stable/Money Market 20%
GrowthScore between
43-54
Moderate GrowthScore between
29-42
Conservative GrowthScore between
17-28
IncomeScore between
7-16
Conservative IncomeScore between
0-6
a. Less than 1 year b. 1 to 2 years c. 3 to 4 years
d. 5 to 7 years e. 8 to 10 years f. 11 years or more
a. I plan to take a lump sum distribution b. 1 to 4 years c. 5 to 7 years
d. 8 to 10 years e. 11 years or more
a. Protect the value of my account b. Keep risk to a minimum
c. Balance risk and return d. Maximize long-term investment returns
a. I would not change my portfolio b. I would wait at least a year
c. I would wait at least three months d. I would make a change immediately
a. Agree b. Disagree
c. Strongly disagree Total Score: ___________
a. b. c. d.e.f.
0137911
1.
2.
3.
4.
5.
a. b. c. d.e.
02456
a. b. c. d.
051015
a. b. c. d.
151050
a. b. c.
1580
Score(please circle one)
(please circle one)
(please circle one)
(please circle one)
(please circle one)
Virginia Intl. Univ. 401(k) Plan (950)
BENEFICIARY DESIGNATION FORM
I hereby designate the following individual(s) as my primary and contingent beneficiaries in the event of my death prior to the date on
which my benefits commence to be paid under the Plan. I understand that, by law, if I am married I must name my spouse as my sole
primary beneficiary unless I obtain notarized spousal consent.
If a designated primary beneficiary dies prior to the owner, that primary beneficiary's share will be divided equally among the
surviving beneficiaries. If no primary beneficiary(ies) survives the participant, benefits will be paid to the contingent
beneficiary(ies).
Name: SSN:
Initial here if you would like to designate any additional beneficiaries that do not fit within the spaces provided above.
Please write the information on a separate sheet of paper. Sign and date the page, and staple it to this form.
I revoke all previous designations and direct that this account be distributed upon my death to the designated beneficiary(ies) above. I
understand that if I become married in the future, 100% of my account balance will be paid at the time of my death to my surviving
spouse unless I file a new beneficiary designation with the required spousal consent.
Participant Signature Date
Subject to the spousal consent requirements, I understand that I may revoke or change this designation at any time by filing a new
designation of beneficiary in writing with the Employer, and that by doing so, I revoke all prior designations.
SPOUSAL CONSENT: (complete only if married and primary beneficiary is not spouse)
By signing this spousal consent, I verify that I am the spouse of the participant whose name appears on this form. I understand that my
spouse has chosen to name someone other than me as the sole primary beneficiary under this plan and that this designation is not valid
without my irrevocable consent. I hereby irrevocably consent to the beneficiary designation on this form. I further acknowledge that my
consent is irrevocable unless my spouse revokes this designation. I acknowledge that I had the opportunity to consult my attorney or
other professional concerning this waiver, if I had so desired.
Spouse Name (Print Name) Spouse Signature Date
The Foregoing Spousal Consent was subscribed and sworn before me on :
Date
Notary Public Name Notary Signature State/County
Name: SSN:Date of Birth: / /
Address: Relationship: Percentage of Benefit: %
Name: SSN:Date of Birth: / /
Address: Relationship: Percentage of Benefit: %
Primary Beneficiary(ies):
Contingent Beneficiary(ies):
Name: SSN:Date of Birth: / /
Address: Relationship: Percentage of Benefit: %
Name: SSN:Date of Birth: / /
Address: Relationship: Percentage of Benefit: %
Page 1 of 2
Virginia Intl. Univ. 401(k) Plan (950)
ENROLLMENT FORM
Participant Information
I understand that I must return a beneficiary designation form and complete the investment direction section below, whether I elect to
make salary deferrals or not.
Name: SSN:
Address: City: State: Zip:
Date of Birth: / / Date of Hire: / /
Salary Deferral Contribution Election
I have received the Summary Plan Description and I understand the general requirements of the Plan. I further understand that this
election will automatically apply to all future salary adjustments unless I change the election. I understand that the Employer retains
the right to amend or revoke my election to limit or reduce any contributions where necessary to comply with applicable law.
q I elect to contribute _______% of my pay or $_______ as a Salary Deferral Contribution (pre-tax) each pay period.
q I elect to contribute _______% of my pay or $_______ as a Roth Contribution (after-tax) each pay period.
q I elect to contribute _______% of my pay or $_______ as a Catch-Up Deferral Contribution (pre-tax) each pay period.
q I elect to contribute _______% of my pay or $_______ as a Roth Catch-Up Deferral Contribution (after-tax) each pay period.
q I do NOT elect to have Employee Elective Contributions made on my behalf to the Plan. This election will not prohibit any
future election on my part to have Employee Elective Contributions made to the Plan.
BlackRock Rdy Assets Prm Money % JPMorgan Core Plus Bond C %
AllianceBern High Income C % Columbia Limited Duration Credit C %
JPMorgan US Equity C % JPMorgan US Small Company C %
Federated International Leaders C % BlackRock Global SmallCap Inv C %
Columbia Emerging Markets C % JPMorgan SmartRetire Incm C %
JPMorgan SmartRetire 2015 C % JPMorgan SmartRetire 2020 C %
JPMorgan SmartRetire 2025 C % JPMorgan SmartRetire 2030 C %
JPMorgan SmartRetire 2035 C % JPMorgan SmartRetire 2040 C %
JPMorgan SmartRetire 2045 C % JPMorgan SmartRetire 2050 C %
JPMorgan SmartRetire 2055 C %
Investment Direction
I understand that this investment direction shall remain in force until changed and that I have the right to change the percentages
indicated at my discretion. Any contributions to your account (payroll deferrals, employer contributions, or rollovers) made before your
employer updates your investment selections for your account will be invested in the plan's default fund. Assets will remain in the
default fund until you use the participant website to exchange assets into the funds of your choice.
Invest all future contributions as shown below: (must total 100%, whole %'s only)
By signing below I acknowledge that I authorized my employer to withhold from my wages the amount specified in the Salary Deferral
Contribution Election section. I have received a copy of the Summary Plan Description and I completed a Designation of Beneficiary
form.
_______________________________________________________________________________________________________
Participant Signature Date
_______________________________________________________________________________________________________
Plan Administrator Signature Date
Page 2 of 2