Investor Profile

inner investor

Investor Profile

2

Do-It-

For-Me

Do-It-

Yourself

Help-Me-

Do-It

Before investing, carefully consider the fund's investment objectives,

risks, and charges and expenses. The fund prospectus contains this

and other important information. Read the prospectuses carefully

before investing. Call 877-NRS-FORU to request a prospectus.

Investor Profile

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1

2

The use of diversification and asset allocation as part of an

overall investment strategy does not assure a profit or

protect against loss in a declining market.

Investor Profile

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International

Small-cap

Mid-cap

Large-cap

Bonds

Short Term Investments

Po

ten

tia

l R

ew

ard

(Th

e c

han

ce to

ma

ke

mo

ne

y)

Potential Risk(The chance to lose money)

Investing involves market risk.

Investor Profile

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Conservative

Moderately

Conservative Moderate

Moderately

Aggressive Aggressive

International 5% 10% 15% 25% 30%

Small-cap 0% 0% 5% 5% 10%

Mid-cap 5% 10% 10% 15% 15%

Large-cap 10% 20% 30% 35% 40%

Bonds 40% 35% 25% 15% 5%

Short-term investments 40% 25% 15% 5% 0%

Asset allocation models provided by Ibbotson Associates Advisors, LLC, a leading financial consulting organization. Ibbotson uses a broad

approach to diversify holdings across asset categories, which include combinations of different types of stock investments, diversified real

return, bonds, and short-term investments.

International investing involves risks not associated with investing solely in the U.S., such as currency fluctuation, political risk, differences in

accounting and limited availability of information.

Small-cap funds invest in stocks of small or emerging companies that may have less liquidity than those investing in larger, established

companies and may be subject to greater price volatility and risk than the overall stock market.

Short-term investments may not keep pace with inflation.

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Questions?

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