Investment fund comparisons

Creating a diversified investment portfolio (that includes stocks) may boost your long-term returns and pad your nest egg.

Choosing which funds to include in your investment mix may seem complicated but can be accomplished by looking at a few key things. And you can choose how involved you want to be in managing your investments.

Evaluate the mutual funds available in our National WEA Member Benefits IRA program by comparing funds in each fund category.

Quarterly performance report

Fixed Income

Fixed income investments are generally designed to generate a specific or “fixed” level of interest income.

Bond Mutual Fund	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
Pioneer Bond Fund Class K	PBFKX	0.33%	0.33%	0.726%	Average	High	Provide current income from an investment grade portfolio with due regard to preservation of capital and prudent investment risk.	Prospectus	Fact Sheet
Guggenheim Limited Duration Institutional	GILHX	0.56%	0.49%	0.658%	Average	Above Average	Provide high level of current income while maximizing total return.	Prospectus	Fact Sheet
Vanguard Treasury Money Market Investor	VUSXX	0.09%	0.09%	0.368%	N/A*	N/A*	Provide current income while maintaining liquidity and a stable share price of $1.00.	Prospectus	Fact Sheet

Target Retirement Funds

Target Retirement funds are highly diversified mutual funds designed to remain appropriate for investors in terms of risk throughout a variety of life circumstances.

Target Retirement Fund	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
Vanguard Target Retirement Income	VTINX	0.08%	0.08%	0.465%	Average	Average	Provide current income and some capital appreciation.	Prospectus	Fact Sheet
Vanguard Target Retirement 2025	VTTVX	0.08%	0.08%	0.382%	Average	Average	Provide capital appreciation and current income consistent with asset allocation.	Prospectus	Fact Sheet
Vanguard Target Retirement 2035	VTTHX	0.08%	0.08%	0.402%	Below Average	Average	Provide capital appreciation and current income consistent with asset allocation.	Prospectus	Fact Sheet
Vanguard Target Retirement 2045	VTIVX	0.08%	0.08%	0.403%	Below Average	Average	Provide capital appreciation and current income consistent with asset allocation.	Prospectus	Fact Sheet
Vanguard Target Retirement 2060	VTTSX	0.08%	0.08%	0.399%	Below Average	Average	Provide capital appreciation and current income consistent with asset allocation.	Prospectus	Fact Sheet
Vanguard Target Retirement 2070	VSVNX	0.08%	0.08%	0.381%	N/A	N/A	Provide capital appreciation for investors planning to retire around 2070 in an all-in-one fund retirement portfolio solution.	Prospectus	Fact Sheet

Large-Cap Stock Funds

Large-cap stock funds invest in companies with a market capitalization typically of greater than $10 billion.

Comparison of Large-Cap Stock Funds	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
Vanguard Equity-Income Fund Admiral	VEIRX	0.19%	0.19%	0.964%	Below Average	Average	Provides an above-average level of current income and reasonable long-term capital appreciation.	Prospectus	Fact Sheet
Vanguard Institutional Index (Instl Plus)	VIIIX	0.02%	0.02%	0.859%	Average	Above Average	Track the performance of benchmark index that measures the investment return of large-capitalization stocks.	Prospectus	Fact Sheet
Parnassus Core Equity (Instl) ^ESG	PRILX	0.62%	0.61%	0.859%	Average	Above Average	Provides capital appreciation and current income.	Prospectus	Fact Sheet
Fidelity Contrafund (K6)	FLCNX	0.45%	0.45%	1.009%	Below Average	Average	Capital appreciation.	Prospectus	Fact Sheet
JPMorgan Large Cap Growth R6	JLGMX	0.51%	0.44%	1.009%	Average	Above Average	Provides long-term capital appreciation primarily through a diversified portfolio of high-growth U.S. equity securities.	Prospectus	Fact Sheet

Mid-Cap Stock Funds

Mid-cap stock funds invest in companies with a market capitalization typically of more than $2 billion and less than $10 billion.

Mid-Cap Stock Funds	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
T. Rowe Price Mid-Cap Value	TRMCX	0.83%	0.83%	1.030%	Average	Above Average	Long-term capital appreciation.	Prospectus	Fact Sheet
Vanguard Mid-Cap Index (Instl)	VMCIX	0.04%	0.04%	0.598%	Average	Below Average	Track the performance of benchmark index that measures the investment return of mid-capitalization stocks.	Prospectus	Fact Sheet
ClearBridge Select IS	LCSSX	1.02%	1.02%	1.197%	Average	Above Average	Long-term capital appreciation.	Prospectus	Fact Sheet

Small-Cap Stock Funds

Small-cap stock funds invest in companies with a market capitalization typically of more than $300 and less than $2 billion.

Small-Cap Stock Funds	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
MFS New Discovery R6	NDVVX	0.85%	0.84%	1.287%	Average	Average	This fund seeks capital appreciation through investments in small-cap companies with attractive valuations.	Prospectus	Fact Sheet
Vanguard Small-Cap Index (INSTL)	VSCIX	0.04%	0.04%	0.899%	Average	Below Average	Track the performance of benchmark index that measures the investment return of small-capitalization stocks.	Prospectus	Fact Sheet
Clearbridge Small Cap Growth (INSTL)	SBPYX	0.90%	0.90%	1.362%	Average	Below Average	Long-term growth of capital.	Prospectus	Fact Sheet

International stock funds

International stock funds invest in stocks and bonds of companies outside of the U.S.

International Stock Fund Offerings	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objective	Prospectus	Fact Sheet
John Hancock International Growth (R6)	JIGTX	0.88%	0.87%	0.999%	Low	Below Average		Prospectus	Fact Sheet
Vanguard Total International Stock Index Fund (ADM)	VTIAX	0.11%	0.11%	0.962%	Below Average	Average	Track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.	Prospectus	Fact Sheet
Invesco Developing Markets (INSTL)	ODVIX	0.84%	0.84%	1.144%	Above Average	Below Average	Capital appreciation.	Prospectus	Fact Sheet

Specialty funds

Specialty funds invest primarily in the securities of a particular industry, sector, type of security or geographic region.

Specialty Fund Offerings	Ticker Symbol	Gross Fund Expense	Net Fund Expense	Category Average Expense	Morningstar Risk Rating	Morningstar Return Rating	Strategy & Objectives	Prospectus	Fact Sheet
PIMCO All Asset Fund (INSTL)	PAAIX	1.00%	0.89%	1.072%	Average	Above Average	Maximum real return, consistent with preservation of real capital and prudent investment management.	Prospectus	Fact Sheet

Funds marked with ^ESG are Environmental, Social, and Governance Criteria funds.

Target retirement funds invest in a mix of stock and bond funds that steadily become more conservative as they approach their target date. The principal value of a target retirement fund is not guaranteed and may gain or lose value now and after its target date.

Keep in mind that mutual fund investments are not guaranteed and may gain or lose value. Past performance is no guarantee for future results. Future performance may be lower or higher than past performance.

Before investing in any mutual fund, download a prospectus above or call WEA Member Benefits at 1-800-279-4030 to request a prospectus. We advise you to read it carefully and consider the fund’s investment objectives, risks and charges and expenses carefully before investing. The prospectus contains this and other information about the investment company.

All earnings on investments are credited gross of 403(b) and IRA program fees. Redemption fees may apply.

*Insufficient investment history available to calculate data.

The Trustee Custodian for the WEA Member Benefits IRA accounts is Newport Trust Company. To be eligible for this program, you must meet the IRS eligibility requirements for contributing to an IRA. Family members, including your spouse or domestic partner, children and their spouses, parents, and parents-in-law, may also be eligible to participate in many of our programs. Restrictions may apply. Certain state residency required.

The life, long-term care, and Medicare supplement insurance programs are offered and administered by Associates of Clifton Park. Insurance products are underwritten by multiple insurance carriers.