The model portfolios presented here were not created specifically for you and may not take into account your particular retirement goals or investment preferences. The ultimate allocation decision is up to you after you have considered investment information that pertains to your own personal circumstances.

There are inherent risks to investing in securities products. However, the investment risks that apply to all of the model portfolios generally increase as the portfolios become more aggressive. Therefore, participants who are approaching retirement (e.g., who expect to retire within the next 10 years), or those who lack substantial retirement assets outside this plan, may want to take a more conservative approach.

Used with permission © 2009 Ibbotson Associates Inc. All rights reserved.