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ADP Retirement Services
99-0276-0610
• Review your account• Determine the asset allocation that is
right for you• Asset allocation the easy way• Rebalance your account• Track your progress
your accountreview
Quarterly account statement
Determine an asset allocation that is right for you
Fund AFund B
Fu
nd
D Fund
E
Fund
C
Asset allocation
Savings Goal
Time Horizon
Risk balance
Balancing risk with reward
MONY MARKET/STABLE VALUE
MONY MARKET/STABLE VALUEFund A
B O N D S S T O C K S
B O N D S S T O C K S
Asset Allocation
DiversificationFund A Fund B Fund A Fund B Fund C
Diversification does not ensure a profit or prevent a loss.
an asset allocation that is right
for you
determine
Conservative
Moderately Conservative
I am a Moderate Investor.
Moderately Aggressive
Aggressive
Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.
Sample asset allocation models
75% Income 18% Growth 7% Aggressive Growth
60% Income 29% Growth 11% Aggressive Growth
40% Income 43% Growth 17% Aggressive Growth
5% Income 68% Growth 27% Aggressive Growth
Conservative ModerateConservative
Moderate Aggressive
allocation the easy way
asset
Target retirement date funds
• Choose by your retirement date• Allocation changes over time • No rebalancing required
Sample target retirement date fund allocations2020 Fund 2030 Fund 2040 Fund 2050 Fund
Income
Growth,Aggressivegrowth
30% Income 70% Growth & Aggressive growth
20% Income 80% Growth & Aggressive growth
15% Income 85% Growth & Aggressive growth
10% Income 90% Growth & Aggressive growth
Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.
Build your own investment mix
your accountrebalance
Changes in the stock market can have a big effect on your asset allocation
© 2010 Morningstar. All Rights Reserved. 3/1/2010. Past performance is no guarantee of future results. Stocks: 50% large and 50% small stocks. Bonds: intermediate-term government bonds. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. Small stocks are represented by the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio. Large stocks are represented by the Standard & Poor’s 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general, intermediate-term government bonds by the five-year U.S. government bond. An investment cannot be made directly in an index. The data assumes reinvestment of income and does not account for taxes or transaction costs.
50% Stocks
2004199919941989
50% Bonds
2009
53% Stocks
47% Bonds
70% Stocks
30% Bonds
69% Stocks
31% Bonds
63% Stocks
37% Bonds
Personal Investor Profile source =Sample Allocation
20
Income
Growth
40%
43%
17%AggressiveGrowth
ACCOUNT INVESTMENT ALLOCATION TYPE
$1,600 40% Income
$1,800 45% Growth
$600 15% Aggressive Growth
$4,000 Total
Personal Investor Profile source =Sample Allocation
20
Income
Growth
40%
43%
17%AggressiveGrowth
• Compare your account statement allocation to your suggested sample portfolio
• Decide how to move your account balances based on your suggested sample portfolio allocation
• Review fund prospectuses and other investment information before making changes
• Go to mykplan.com or call the VRS to make changes to your account
Four easy steps
Automatic Account Rebalancing
Rebalances your account as you choose:
• Quarterly
• Semi-annually
• Annually
your progresstrack
trackYour progress
Account statement
www.mykplan.com
• Automatic Account Rebalancing
• Save Smart®
Voice-Response System
ADP, Inc. and its affiliates do not offer investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, investment advice or a recommendation for a particular investment option. Questions about how laws, regulations and guidance apply to a specific plan should be directed to your plan administrator or legal, tax or financial advisor.
Investments in mutual funds and commingled funds (also known as collective trusts) involve risk. Some investment products have more risk than others. For complete information about a particular fund or to obtain a fund prospectus (or information statement, in the case of commingled funds), go to www.mykplan.com. You should carefully consider an investment option’s objectives, risks, charges and expenses before investing. The prospectus (or information statement, as applicable) contains this and other important information about the investment option and investment company. Please read the prospectus/information statement carefully before you invest.