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Diocese of
Brooklyn
403(b) Plan
On Course
How to plan,
save, and invest
for retirement
Online Enrollment for the Diocese of Brooklyn 403(b) Plan
Enrolling online is a simple 5 step process. A good way to
save time enrolling online is to get organized ahead of time.
Before getting started, know who you wish to designate as
your beneficiary/ies and have their personal information on
hand. You will need to provide this in Step 2. Also, think
about how much you would like to contribute and how you
would like to invest your contributions.
_____________________________________________
Getting started…
Go to http://www.bcgbenefits.com/dob
Click on “Employees”
For participants who have not yet contributed to the
plan and need to enroll:
Click on “Enroll”
For initial login, use your Social Security Number (no
spaces or dashes) and “welcome” as your password
(all lower case).
Click “Begin”
For participants who have not yet enrolled, but have
made contributions to the plan:
Click on “Login”
Enter your Social Security Number (no spaces or
dashes) as the User ID and the last four digits of your
Social Security Number as the password.
Click “Participant”
- Primary & Contingent beneficiaries:
Jane Doe, wife, 100% as primary.
If primary is deceased then you could designate
children as contingent beneficiaries (enter each child
and their percent of the benefit payable to each.
Percentages must be in whole numbers and total
100%.
Enter requested information for each beneficiary.
Click “Add”, “Add Additional Primary Beneficiary”
or “Add Contingent Beneficiary” (as applicable to
each beneficiary).
Once you have designated your beneficiary/ies click
“Save and Continue” to continue to the next step.
Step 3 of 5: Contribution Limits
Enter a minimum dollar amount or percentage (as a
whole percent, i.e. 25%) that you would like to
contribute to the plan each payroll period.
Click “Save and Continue” to continue to the next
step.
Step 4 of 5: Select Investments
Select your investment elections and make sure
all total 100%. (If you have questions
regarding your investment elections, you may contact
Patricia and Gerard Trapp of American Portfolio
Financial Services at (888) 588-6601 for assistance.)
Click “Save and Continue” to continue to the next
step.
Step 1 of 5: Personal Information
Step 5 of 5: Review and Confirm all of your Entries
Establish your Username and Password.
(Both are case-sensitive)
Enter your personal information.
Please note that fields marked with an asterisk must be
completed before you can proceed to the next step.
If you choose to receive confirmations via email, be
sure to select which email address you would like the
confirmations sent to.
Click “Save and Continue” to continue to the next
step.
Review and make any corrections by clicking the
“Edit” button located in the step you wish to edit.
Once all is confirmed, click “Finish”.
You will be directed to a screen that will confirm that
your online enrollment has been completed
successfully.
You may click “Continue” to view/access your
account or click “Logout” to go back to the plan
website.
_____________________________________________
Step 2 of 5: Designate your Beneficiaries
You must designate a primary beneficiary.
Designating a contingent beneficiary is optional.
Some common examples of designation are:
- One primary beneficiary:
Jane Doe, spouse, 100%
- Two or more primary beneficiaries:
John Doe, son, 33%
Carol Jones, daughter, 33%
Jane Doe, daughter, 34%
If you need assistance, you may call our Participant
Services Line at (800) 524-4015, Option 4. Participant
Services Representatives are available to assist you
Monday through Friday, 8am to 8pm ET.
Once you have enrolled successfully, you can access your
account anytime from the plan’s website at
http://www.bcgbenefits.com/dob and clicking on
“Employees” then “Login”. Enter your User ID and
Password which you established during the enrollment
process, then click on “Participant”.
Plan Highlights
3
Plan Highlights
4
Plan Highlights
5
Plan Highlights
6
Navigating the Basics of Retirement Investing
If you’re like most people, you want your retirement years to be carefree years, free
of financial worries. But the reward of a successful future takes careful planning.
You’ll want to begin by defining your retirement goals and setting a course that will
allow you to reach them.
Saving enough money for your retirement means learning as much as you can about
planning and investment strategies. We’ve designed this material to help you navigate
the sometimes choppy waters of retirement plan investing. You’ll discover the advantages of starting early and of saving as much as you can afford each payday, the role of
your employer’s retirement savings plan in helping you achieve your retirement goals,
and the basics of investing through your employer’s plan.
As you read through this material, you’ll learn the importance of:
Planning Ahead for Your Retirement
Achieving your investment goals means saving
as much as you can as early as you can.
Saving for a Successful Future
It’s easy and cost effective to save through your
employer’s plan.
Becoming a Wise Investor
Learn some basic concepts that can help you invest
your contributions in choices that are right for you.
Charting the course for a successful future is up to you. No one can do it for you. Keep
your retirement goals in sight as you read through this section. Now, full steam ahead!
7
ONC 1
The Route to Retirement
How much income do you think you’ll need during retirement? Many people believe they’ll need a lot less than before
retirement because their homes won’t be mortgaged, their
children will be grown, or they will no longer have the
expenses of working, such as commuting and clothing costs
and daily lunches.
The reality, according to financial planners, is that you’ll
probably need about 70% to 80% of your preretirement income
after you retire. Have you thought about where that income will come from?
Maybe you haven’t begun to save money for retirement because you think you have
plenty of working years left — and therefore plenty of time to start saving. Or perhaps
you’re counting on Social Security or your personal savings to provide you with retirement income.
If this is the extent of your financial plan, it may be time to cast your old assumptions aside
and examine what steps you need to take to begin saving for your future financial security.
Your Retirement May Outlast Your Resources
With today’s focus on health and fitness, people are living longer, healthier lives.
Combined with the trend toward earlier retirements, a longer life span means you
could spend 15, 20, or 25 years — or more — in retirement. Are you saving enough
so that you’ll have adequate resources to fund a long retirement without sacrificing
your current lifestyle?
40
38.8
How Long Can You Expect To Live in Retirement?
Additional Life Expectancy
35
29.6
30
25.2
25
21.0
This table is based upon averages
20
calculated by the IRS. Source: IRS
17.0
Single Life Expectancy Table
15
13.4
10
5
0
45
55
60
65
70
Your Current Age
75
8
Retirement Needs Worksheet
Here is a worksheet you can use to estimate how much income you will need
in the future and how much you may have to save to help provide that income.
Example
Line 1
Your current yearly income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30,000
You
$ _________
Line 2
Estimated yearly income you need at retirement . . . . . . . . . . . . . . . . . . . . . . . $24,000
(80% of $30,000)
Line 3
An estimate of your future Social Security benefit. Insert the
estimated benefit from the annual statement you receive from
the Social Security Administration or from the SSA’s benefits
calculator available at www.ssa.gov. If you don’t have your
estimated benefit available, multiply Line 1 by .25 (up to a
maximum of $27,876) for a conservative estimate of your benefit. . . . . . . . . . $7,500
$ _________
Line 4
The estimated annual income you will need to replace through
retirement savings and personal assets. Subtract Line 3 from Line 2 . . . . . . . $16,500
$ _________
Line 5
Now adjust your current replacement income for inflation by
multiplying Line 4 by the inflation factor from Table A. The inflation
factor figure is below the number of years you have left until you
retire. For this example, we assume 20 years left to retirement.
Thus, we multiply $16,500 by 1.81 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29,865
$ _________
Line 6
Value of your current assets (savings, investments, etc.) adjusted for
growth. (Example: $40,000 multiplied by investment factor of 4.66) . . . . . . $186,400
$ _________
Line 7
How much would you need to have at retirement to give you the yearly
income in Line 5? Multiply Line 5 by a payout factor from Table B.
(Example assumes 3% inflation, 8% investment return, and that you will
need 15 years of retirement income, so the payout factor would be 10.38.) . . . $309,999
$ _________
Line 8
Subtract Line 6 from Line 7 to find how much you’d need to save . . . . . . . $123,599
$ _________
Line 9
How much would you have to set aside each year in order to work toward
a retirement goal of $123,599? Divide Line 8 by the present value factor
in Table A. (Example: $123,599 divided by 45.76) . . . . . . . . . . . . . . . . . . . . . . $2,701
$ _________
Line 10
The amount you need to invest each month toward
retirement. Divide Line 9 by 12 . . . . . . . . . . . . . . . . . . . . . . $225 Monthly Investment
$ _________
$ _________
The worksheet does not take into account any contributions your employer may make to the plan. The projection is based on your
current income as adjusted for inflation and does not consider possible future increases in your pay.
Table A
Number of Years Until Retirement:
5
10
15
20
25
30
35
40
Inflation Factor (3% inflation):
1.16
1.34
1.56
1.81
2.09
2.43
2.81
3.26
Investment Factor (8% return):
1.46
2.15
3.17
4.66
6.84
10.06
14.78
21.72
Present Value Factor (8% return): 5.87
14.49
27.15
45.76
73.11
113.28
172.32
259.06
Future investment returns cannot be predicted and your actual returns and principal value will differ.
Table B
Number of Years in Retirement:
Payout Factor:
10
15
20
25
7.72
10.38
12.46
14.09
Assumes 3% inflation and an 8% annual investment return. Actual inflation and your investment returns will differ.
9
ONC 2
Plan To Beat Inflation
Over time, the rising cost of goods and services can significantly erode the buying
power of your retirement savings. You need to earn a return on your investments that
will keep your money growing faster than the inflation rate. The illustration below
shows you how even relatively low increases in the cost of living can deplete the value
of your savings over the years.
The Effects of Inflation on Savings over Time
Given a 4% rate of inflation,
$10,000 will be worth:
$6,756
$4,564
$3,083
10 years
20 years
30 years
Where Does Social Security Fit In?
Social Security benefits may be the source of some of your retirement income, but
chances are, you’ll need more than just Social Security to live on. And, in the future,
changes to the Social Security system may decrease benefits, especially if you have
several years before you retire. You’ll want to plan for your retirement without relying
too much on Social Security benefits.
39%
40%
This chart assumes a 38-year-old
41%
42%
44%
46%
48%
52%
57%
66%
Percentage of Income That May Be
Replaced by Social Security
retiring at approximately age 67.
Estimated future increases in
prices and earnings have been
taken into account.
Sources: Social Security
Your Current Gross Income
10
$60,000
$55,000
$50,000
$45,000
$40,000
$35,000
$30,000
$25,000
$20,000
$15,000
Administration and NPI
Sail Toward a Successful Future with
Your Retirement Savings Plan
Saving for something that may be as far in the future as your
retirement is often difficult. You may have so many claims on
your paycheck each month that it seems impossible to find
extra cash to put away for tomorrow. That’s where your
employer’s retirement savings plan can help. Payroll
deduction makes it simple for you to save a portion of
your salary from each paycheck. You can choose how
much you want to contribute and how you want your
contributions invested among the options offered
by your plan. Some plans “automatically enroll”
employees, with contributions made at a specified percentage of pay and those contributions put into a “default investment.” But you can choose your own contribution rate
and select your own investments, if you desire.
Participating in your employer’s plan gives you the benefits of pretax savings and
tax-deferred compounding and the ease of saving through payroll deduction. In no
time at all, you’ll be on your way to giving yourself a more secure financial future.
Start Saving Early and Watch Your Account Grow
Time can be your most important ally when you’re saving for retirement. The longer
you have to invest, the greater the potential benefits of compounded earnings. And it’s
less painful to save gradually over several years than to try to make up for it later by
saving large amounts over a shortened time period. Even if you’re saving just a small
amount early in your career, you’ll come out ahead because of all the time your money
will have to grow.
However, it’s never too late to begin. If you’ve been putting off saving for retirement,
there’s no time like the present to start.
The Advantage
of Saving Early
$214,189 Total amount at 65
Investment Gain
Total Saved
Assumes single deposit of $1,000 at
$171,317 Total amount at 65
for illustrative purposes only. It
is not indicative of any particular
$137,317
This chart is hypothetical and
$204,189
beginning of year; 8% annual return.
investments.
$34,000
$10,000
If saved from If saved from
age 21 to 31, age 31 to 65,
then stopped then stopped
11
ONC 3
Payroll Deduction Makes Saving for Retirement Simple
You can’t spend money you don’t have on hand. Your
contributions to your employer’s retirement savings plan
are automatically deducted from your paycheck before
you receive it. It’s simple, and there’s no chance that
you’ll spend the money instead of investing it for
your retirement.
You Benefit Immediately from Pretax Savings
When you contribute to your employer’s plan, your benefits begin immediately in the
form of pretax savings. The money you contribute is deducted from your pay before
federal taxes are taken out, thus reducing your taxable income — and your income
taxes! While taxes will be due when you withdraw the money, you may then be retired
and possibly in a lower income-tax bracket.
For example, Allison earns $25,000 per year. Her marginal federal tax rate is 15%.
Allison contributes $1,000 a year to her retirement plan. That reduces her taxable
income to $24,000 and cuts her income taxes by 15% of $1,000, or $150. (This is a
hypothetical example. Your tax savings will depend on your tax bracket, earnings,
and contribution rate.)
Contributions Can Lower
Your Current Income Taxes*
Taxable
Salary
BEFORE
$25,000
AFTER
$24,000
Assumes a $1,000 annual contribution
Federal
Income
Taxes
$3,750
Takehome
Pay
$21,250
and tax withholding at 15%.
* Amounts received from a tax-deferred
account are taxable when distributed.
12
$3,600
$20,400
Tax-deferred Compounding Speeds Up Your Account Growth
With a retirement savings plan, all of the money in your account — contributions and
investment earnings — can grow and earn additional income without being depleted
by annual taxes. For example, if you invest $1,000 and earn a 10% annual return,
you’ll have $1,100 in your account at the end of the first year. The following year,
your $1,100 will earn 10%, giving you $1,210 at the end of the second year, and so on.
Your account balance has the potential to grow much faster than it would in a taxable
account — such as a savings account — where interest is taxed annually as income.
The Power of Tax-deferred Compounding
Compares $250 per month contributed to
Taxable Account (after tax)
Tax-deferred Plan Account
$556,803
$385,792
a tax-deferred retirement savings plan
account to the same amount contributed
to a taxable investment. Assumes an 8%
Account Balance
annual return, 4% annual wage increases
with taxes withdrawn each month from the
$198,020
taxable account, and no withdrawals from
the tax-deferred account. Amounts received
$158,383
from the tax-deferred account are taxable
when distributed.
$53,521
$49,442
10 Years
This chart is hypothetical and used for
20 Years
30 Years
illustrative purposes only.
Employer Contributions May Help You Get Ahead
If your employer makes contributions to your retirement plan account, you get a
bonus: free money. But even if your employer doesn’t contribute, your plan still
allows you a tax-advantaged opportunity to save for retirement.
13
ONC 4
A Rollover Lets You Consolidate Your Accounts —
and Preserve Your Tax Deferral
If you were enrolled in a previous employer’s retirement
plan, you may be able to roll over the money from
that plan (or from a traditional or rollover Individual
Retirement Account) into your current employer’s plan.
A direct rollover will keep your money growing tax
deferred and penalty free for your retirement.
There are restrictions that apply to rolling over your
money into a new employer’s plan, so contact your plan
administrator to see if rollovers are allowed and for help with the transaction.
You’re the Captain of Your Plan Investments
As a retirement plan investor, you can design an investment portfolio that will allow
you to meet your financial goals for retirement. Although your
employer helps you by offering a tax-advantaged opportunity to
save, and perhaps by making contributions to your account, you
are responsible for keeping your investment plan on course.
(Even if your money has been put into a default investment, you still should determine if that investment is right
for you.) To be successful, you need to learn as much as
you can about the basics of investing for your future.
Investment Categories — What’s on the Horizon?
Before you can design an investment strategy that takes into account your goals and
your risk tolerance, you would do well to educate yourself on the different asset
classes that are available and the risks and rewards associated with each one.
14
Equities
The equities asset class includes stock and stock funds or portfolios. Stock represents
an ownership interest in the company that issued the shares. Of all the major asset
classes, stocks present the most risk to your principal but offer the greatest potential for
higher returns over the long term. A stock’s value rises and falls with the success of the
company, the general conditions of the stock market and economy, and the stock’s
appeal to investors. Different types of stocks present varying degrees of risk.
Large Company Stocks. So-called large capitalization stocks are issued by
companies that usually have a diversified product line and a strong financial
base. Because they are stocks of large companies with well-established earnings
histories, they often perform more reliably than the stocks of small companies.
Small Company Stocks. Small company — or small capitalization — stocks are
issued by companies with less product diversity and a less secure financial base
than large-cap stock companies. However, the companies’ potential for fast growth
— which often outpaces that of larger companies — makes their stocks attractive
to many investors who are willing to overlook the increased risks involved.
Value Stocks. Often the stocks of smaller, less well-known companies, value
stocks are considered by financial managers to be undervalued in the market,
based on the issuing company’s book value or earnings potential. They may be
more volatile than the stocks of larger companies.
Growth Stocks. Stocks that show or have the potential for rapid earnings and
revenue growth are considered growth stocks. They typically represent more risk
than other stocks and pay small or no dividends to stockholders.
Investing in both value and growth stocks may add diversification to your portfolio,
since, historically, each has shown growth during different cycles in the economy.
Domestic and International Stocks. You can also diversify your
investments by holding stocks in domestic equity
portfolios, which invest primarily in U.S. companies,
or in international equity portfolios, which invest
primarily in foreign companies.
15
ONC 5
Fixed-income Investments
Fixed-income investments, such as bonds, generally
pay the investor a fixed rate of interest over a specified period of time. When you invest in bonds, you
are essentially lending money to the bond issuer —
often the government or a large corporation — for a
certain number of years. At the bond’s maturity date,
your investment principal is generally returned to you.
If the issuer defaults, you can lose your investment. This is sometimes the case with
bond issuers that are financially weak but pay higher interest rates to compensate
investors for the added risk. Bonds issued by the U.S. government or a major corporation generally have a low risk of default and can be used as part of an investment
strategy to balance the risk from any stock investments you may have.
Many retirement plans offer investments in bond portfolios that hold a mix of individual
bonds. While a bond is outstanding, its market value can fluctuate as interest rates
change. Typically, the longer until a bond matures, the higher the interest rate risk.
However, many investors turn to fixed-income investments as a cushion against the
volatility of the stock market.
Stable Value Investments
Stable value investments include Guaranteed Investment Contracts (GICs) offered by
corporations, insurers, banks, and other lending institutions. This category offers low
risk and returns that historically have been at, or slightly above, inflation.
Cash and Cash Equivalents
The most common type of investment in this asset class is a money market portfolio,
which invests in very short-term IOUs of the government and highly rated corporations.
While these instruments are generally regarded as conservative investments, they offer
a relatively low potential return.
Additional Investment Types
Your plan may also allow you to invest in specialized investments that can add
diversity to your portfolio. Some of these may include:
Balanced Portfolios. Composed of stock, fixed-income, and money market investments,
balanced portfolios seek income and growth. Portfolios are actively managed by investment professionals, who choose the investment proportions and adjust them over time.
16
Lifestyle Portfolios. Often called life cycle or life stage portfolios, these investment
vehicles have managers who make asset allocation decisions and rebalance the portfolio
as needed to keep funds invested within the portfolio’s allocation guidelines. Portfolios in
this category typically include a mix of stocks, fixed-income investments, and cash and
take into consideration the number of years until your retirement and the general ability
of people in your age group to accept risk.
Active Versus Passive Management
The investment options in your plan are either actively managed or passively managed.
Managers of actively managed portfolios rely on market information and forecasting
techniques to learn as much as they can about the various securities that may be
appropriate for the portfolio. They buy and sell securities in an attempt to meet the
portfolio’s objectives while maximizing the portfolio’s total
return and minimizing risk.
How well investments perform is often measured by
comparing a security (for instance, a stock or a stock
portfolio) against an index. The index is typically based on
a group of securities that represent the same type of
investment as the one being measured. Passively
managed portfolios — or index portfolios —
attempt to match the performance of a particular
market index by holding all, or a sampling of, the
securities that compose the index. The portfolio
does not try to outperform the index or lower its
investment risk.
Staying Afloat — Performance over Time
The adage “no risk, no reward” can be aptly applied to investing. Generally, the more
risk an investment represents, the greater its potential returns over time. To be a wise
and knowledgeable investor, you need to know the risks associated with each investment
class, the earnings potential of each type, your own risk tolerance, and the investment
strategies that can help you take all of these variables into account.
17
ONC 6
Whirlpool Ahead: Living with Investment Risk
Understanding and learning to manage risk is important to your success as an investor.
Risk refers to the potential for an investment to gain or lose value. The most common
risks faced by investors are:
Business Risk. Businesses, firms, and properties have specific risks that may
cause them to fail. Poor management or poor earnings from operations often
contribute to their failure.
Currency Risk. The dollar value of international investments may be affected
by shifts in foreign exchange rates.
Default Risk. Occasionally, a bond issuer doesn’t have the money to make
principal and interest payments to bond purchasers. When this occurs, you may
lose your investment. Bonds and bond portfolios are given ratings to help
investors assess their risks.
Diversity Risk. Concentrating all or most of your investments in a specific
industry, geographic location, or company means you risk losing your principal
and earnings if performance is poor.
Inflation Risk. Over several years, your investment earnings lose purchasing
power. When you choose your investments, you need to consider the long-term
effects that inflation will have on your returns and plan your allocations to prevent erosion of your buying power.
Interest Rate Risk. Bond values are affected by changes in interest rates.
When interest rates rise, prices of existing bonds usually fall, lowering bond
values. When interest rates fall, bond prices and values
generally increase.
Liquidity Risk. Investments that aren’t actively
traded may not bring a fair price if you have to
sell them suddenly for cash.
Market or Volatility Risk. Stock and bond market prices may be affected by many issues —
world events, tax laws, interest rate changes,
or just the “mood” of investors. Although
volatility is a formidable short-term risk, it
becomes less significant over time.
18
Investing for Your Future Means Following a Steady Course
Accepting some risk is part of the nature of investing. Typically, investments that
present the most risk also offer the highest potential return. If you put your money in
only low-risk investments, you may not earn enough to live comfortably when you
retire. Several basic investment strategies can help you reduce your risk while maximizing your return.
Make Time Your Investment Partner
If you begin investing early in your career, compounding of earnings — making money
on your investment earnings — can do a lot of the work for you. Over time, compounding of earnings helps your account grow much faster than it would otherwise,
thus increasing the value of your contributions and making it easier for you to meet
your retirement savings objectives.
Want $250,000 by Age 65?
$ To Save per Month
$722
Assumes 8% annual returns. This chart
is hypothetical and used for illustrative
purposes only and is not indicative of
any particular investment.
The earlier you start saving, the easier
$424
$168
$72
it will be to reach your goal.
25
45
35
50
Age
Calculate Your Risk
The degree of risk you’re willing to take with your investments is known as your risk
tolerance. Investors with longer investment time frames can generally tolerate more
risk than investors who have shorter time frames — say, a few months or years — until
they need their money.
Over the short term, market volatility is a serious risk factor, since the value of your
investments may be down when you withdraw your funds. But, for long-term investors,
the risk of having to sell when the market is low drops. Therefore, the longer you have
to invest, the more risk you may be able to tolerate.
However, time is only one consideration when you assess your risk tolerance. Your
own “comfort level” is also important. If your investments are in asset classes that tend
to fluctuate widely, you must be willing to accept that the value of your investments
may drop significantly from time to time. Conversely, if you have invested very conservatively, you must consider the possibility that your returns will not keep up with
inflation in the years ahead.
19
ONC 7
What Type of Investor Are You?
This questionnaire can help you determine whether you are a
conservative, moderate, or aggressive investor and which
investments offered by your retirement plan may suit your needs. Use this
information in combination with other investment planning advice available to you.
Please read the following statements. Rank yourself on a scale from 1 to 5 as to
whether you agree or disagree with the statement. Circle your choice.
1 = strongly disagree
2 = disagree
3 = neutral
4 = agree
5 = strongly agree
1. Earning a high long-term return is one of
my most important objectives.
1
2
3
4
5
2. Yearly account value is less of a concern than
long-term return.
1
2
3
4
5
3. In pursuit of higher long-term returns, I’m
willing to give up steady guaranteed returns.
1
2
3
4
5
4. I’m willing to tolerate sharp up-and-down
swings in the value of my account in order
to achieve potentially higher long-term returns.
1
2
3
4
5
5. I will change my investment strategy if, in a
10-day period, my account value declines
by more than:
1% 5% 10% 15% 20%
(1) (2) (3) (4) (5)
Now total the numbers you circled and see where your score falls on the Investor
Profile. Remember, neither the five statements nor your total score is meant to tell you
which investments to choose. Rather, the questionnaire may help you better understand
your objectives and feelings about risk so you can select investments that are right for
your situation.
Investor Profile
5
10
CONSERVATIVE
15
MODERATE
20
20
25
AGGRESSIVE
Diversify Your Investments
Your plan may offer you a variety of investment options from which to choose.
Spreading your money among different investments — called “diversification” —
allows you to moderate your risk because you don’t have all your eggs in one basket.
Putting your money together with the money of your coworkers in the funds or portfolios offered by your retirement plan allows you to achieve “automatic” diversification,
since each fund or portfolio typically invests in many different securities.
You can achieve even greater diversification by spreading your money among different
types of investments offered by your plan — a stock portfolio, a bond portfolio, and a
money market portfolio, for example.
Choose an Appropriate Asset Allocation
You also need to decide how much of your retirement savings to put in each of the
investment classes: equities, fixed-income, and stable value/money market investments.
This step is called “asset allocation.” The amount of your account that you allocate to
each investment type will largely depend on your personal situation: how many years
you have until retirement, the amount of risk you are willing to take, other sources of
retirement income you are anticipating, what other assets and investments you own,
and any special needs you or your dependents may have.
Some Typical Asset Allocation Mixes
Conservative
Moderate
Aggressive
Age 20-40
Equities 40-60%
Fixed Income 20-40%
Stable Value/Money Market 15-30%
Age 20-40
Equities 60-75%
Fixed Income 15-25%
Stable Value/Money Market 10-20%
Age 20-40
Equities 90-100%
Fixed Income 0-10%
Stable Value/Money Market 0%
Age 40-55
Equities 30-50%
Fixed Income 25-45%
Stable Value/Money Market 25-40%
Age 40-55
Equities 40-60%
Fixed Income 25-40%
Stable Value/Money Market 20-30%
Age 40-55
Equities 75-100%
Fixed Income 15-25%
Stable Value/Money Market 0%
Age 55-65
Equities 0-30%
Fixed Income 40-75%
Stable Value/Money Market 30-40%
Age 55-65
Equities 30-50%
Fixed Income 40-75%
Stable Value/Money Market 25-35%
Age 55-65
Equities 50-75%
Fixed Income 25-50%
Stable Value/Money Market 0-20%
These allocations are samples only. The proper allocation for your situation may differ. In applying any asset allocation model to your
individual situation, you should consider your other assets, income, and investments (for example, your home equity, IRA investments,
savings accounts, and other retirement accounts), in addition to the balance in this plan. Your final decision on asset allocation should
be based on your individual situation, needs, goals, and aversion to risk. If any of these factors change, you should review your investment allocation.
21
ONC 8
Keep Your Portfolio in Line with Your Investment Goals
Over the years, you may find that a number of factors have changed since you first
chose your retirement plan investments. Your retirement goals, your family situation,
the investment markets — any or all of these can affect how you want your money
invested. An annual review of your asset allocation will tell you whether your portfolio
is still invested the way you intended or whether changes to your retirement plan
account are necessary.
Don’t Let Your Investment Strategy Get Set Adrift
Now that you know some investment basics, you should be ready to put your knowledge
to work for you. Don’t get stuck in the doldrums. Designing an investment strategy for
your future should be one of your top priorities. Planning ahead will ensure that your
voyage into retirement is smooth sailing all the way.
Copyright 2000-2010 by NPI
22
Rev. 1/10
First Quarter 2012
Fund Fact Sheet
Guaranteed Income Fund
Key Facts
ISSUER:
Prudential Retirement
Insurance and Annuity Company
INVESTMENT ADVISER: Prudential Investment
Management, Inc.
FUND CATEGORY:
Stable Value
NET ASSETS:
$16,436 Million
INCEPTION DATE:
January 1, 1981
Investor Risk Proﬁle
This Fund may be suitable for investors who seek:
■ Preservation of capital plus competitive
intermediate-term returns.
■ Liquidity and income.
Portfolio Allocation
Objective & Structure
The Guaranteed Income Fund (GIF) is a Stable Value fund designed to provide safety of principal, liquidity,
and a competitive rate of return.
The Fund Offers
■ Stability of crediting rate
■ Guaranteed protection of principal and accumulated interest from market volatility
■ Intermediate-term ﬁxed income returns
Features
■ Principal and accumulated interest are fully guaranteed by Prudential Retirement Insurance and Annuity
Company (PRIAC).
■ The guaranteed interest rate is announced in advance and is guaranteed for a six-month period.5 A
minimum rate will apply.
■ GIF invests in a broadly diversiﬁed, ﬁxed-income portfolio within PRIAC’s general account. The portfolio
is primarily invested in public bonds, commercial mortgages and private placement bonds.
As of 03/31/2012
Commercial Mortgage Loans 18%
Public Corporate Bonds 33%
Private Securities 23%
CMO/CMBS 11%
ABS 5%
Agency MBS 9%
US Treasury & Agencies 0%
Other 0%
Cash and Short Term 0%
1
2
3
1
4
Guarantee Quality AAAverage Duration 3.3
Total High Yield Exposure 4.43% (included in the
above allocations)
U.S. Treasury Rates
0160317
May include agriculture loans, transfer employee mortgages and residential mortgages
Includes RMBS = Residential Mortgage Backed Securities, CMO = Collateralized Mortgage Obligation Securities, CMBS = Commercial
Mortgage Backed Securities
3
ABS = Asset Backed Securities
4
May include equity, real estate and derivatives used to hedge various risks
5
An annual rate guarantee may apply to certain 403(b) or nonqualiﬁed plan arrangements. Contact Prudential for further information.
Portfolio allocation is subject to change.
Claims-paying ratings represents the opinions of rating agencies regarding the ﬁnancial ability of an insurance company to meet its
obligations under its insurance policies. According to Standard & Poor's publications, an insurer rated ‘AA-’ (4th category of 21) has very
strong ﬁnancial security characteristics, differing only slightly from those rated higher. An insurer rated “AAA” has extremely strong
ﬁnancial security characteristics. "AAA" is the highest Insurer Financial Strength Rating assigned by Standard & Poor's.
Duration is a time measure (in years) of a ﬁxed income security’s interest-rate sensitivity. Average duration is a weighted average of the
duration of the underlying ﬁxed-income securities within the portfolio.
The Guaranteed Income Fund (GIF) is a group annuity product issued by Prudential Retirement Insurance and Annuity Company (PRIAC),
Hartford, CT 06103. Amounts contributed to the contract are deposited in PRIAC’s general account. Payment obligations and the fulﬁllment
of any guarantees speciﬁed in the group annuity contract are insurance claims supported by the full faith and credit of PRIAC. However, if
you are a participant in an unfunded nonqualiﬁed deferred compensation plan, GIF may be only a reference account that is used to
determine the plan’s liability to you, and may not represent an actual investment in the group annuity. PRIAC periodically resets the interest
rate credited on contract balances, subject to a minimum rate speciﬁed in the group annuity contract. The minimum interest rate may be
greater for certain 403(b) or nonqualiﬁed plan arrangements. Contact Prudential for further information. Past interest rates are not indicative
of future rates. This product is neither a mutual fund nor a bank product. The obligations of PRIAC are not insured by the FDIC or any other
federal governmental agency. Contract form # GA-2020-IA-0805 or state variation thereof.
Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest
credited on contract balances. Prudential Retirement may earn fee revenue in addition to the foregoing compensation if your plan has
agreed to pay contract charges, which are sometimes paid in respect of plan and participant recordkeeping and distribution services. For
some plans, Prudential Retirement uses a portion of its aggregate compensation to satisfy the plan’s request for allowances and for
payments to defray plan expenses. If Prudential Retirement’s aggregate compensation from this product and from other plan investment
products exceeds the costs of servicing your plan, Prudential Retirement earns a proﬁt; otherwise we incur a loss.
Frequent exchanging between plan investment options may harm long-term investors. Your plan or the plan’s investment funds may have
provisions to deter exchanges that may be abusive. These policies may require us to modify, restrict or suspend purchase or exchange
privileges and/or impose redemption fees.
Prudential Investment Management Inc. (PIM) is a Prudential Financial company. PIM is a registered investment adviser.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in
many jurisdictions worldwide.
2
As of 03/31/2012
RSFS060
0160317-00002-00
Exp. 03/21/2013
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Morningstar Analyst RtgTM Overall Morningstar RtgTM
American Funds Capital
World G/I R3 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
3rd Qtr
4th Qtr Total %
2010
2011
2012
0.08 -12.50 16.76
3.54 1.59 -17.94
11.13
—
—
5.04 7.40
6.78 -7.84
— 11.13
Trailing Returns
1 Yr
11-15-2011 QQQ
Silver
„
710 US OE World Stock
4
1
1
1
4
4
4
4
4
82
79
81
83
87
90
83
87
93
92
90
91
40k
5 Yr
10 Yr
Incept
—
—
7.70
7.98
7.98
7.98
+/- Std Index
+/- Cat Index
4.70
-1.64
0.34
-2.77
3.89
1.08
2.00
2.98
—
—
51
80
42
17
_
No. in Cat
911
710
504
285
2001
2002
2003
2004
2005
2006
7-day Yield
—
—
-5.21
16.24
11.62
—
—
22.21
-7.47
8.47
12.42
—
—
29.80
38.46
-0.13
5.35
24
403
33.78
18.90
-1.34
4.18
17
399
36.44
14.28
0.74
4.79
30
438
41.76
21.85
-4.49
1.78
29
491
Fees and Expenses
20k
10k
_
10 Yr
18.72
17.47
0.95
20.73
0.38
0.07
16.92
7.70
0.42
Standard Index
Best Fit Index
MSCI ACWI NR
USD
2.11
0.88
95.52
-2.42
0.98
97.20
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
2.40%
2.24%
-4.90%
2010
35.54
7.40
-0.35
-4.37
89
865
Growth of $10,000
American Funds Capital
World G/I R3
20,973
Category Average
13,774
Standard Index
13,741
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
12.0
7.9
1.8
41171
1.06
1.23
1.37
1.39
Rel
Cat
0.96
1.01
1.06
1.36
Fixed-Income Style
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
6.87
126.95
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
)
_
Performance Quartile
(within category)
2011
03-12
History
31.95
-7.84
4.31
-2.30
49
893
35.38
11.13
0.27
-0.43
—
1005
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Share Chg
since
12-2011
Share
Amount
Y
T
Y
T
Y
36 mil
20 mil
205 mil
19 mil
35 mil
Y
Y
Y
Y
Y
T
T
Y
Holdings:
285 Total Stocks , 136 Total Fixed-Income,
27% Turnover Ratio
Stock %
Rel Std Index
37.5
44.9
17.6
—
—
—
% Net
Assets
Novartis AG
Philip Morris International, Inc.
BP PLC
Bayer AG
AT&T Inc
3.16
2.43
2.27
1.86
1.65
35 mil
38 mil
27 mil
21 mil
37 mil
Altria Group Inc.
Microsoft Corporation
Kraft Foods Inc
Home Depot, Inc.
America Movil, S.A.B. de C.V. ADR
1.62
1.55
1.54
1.36
1.30
19 mil
14 mil
11 mil
21 mil
59 mil
Royal Dutch Shell PLC Class B
DIRECTV
Abbott Laboratories
GDF Suez
National Grid PLC
1.13
0.92
0.92
0.89
0.89
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
(
Top Holdings 12-31-2011
Low
5 Yr
2009
33.91
31.88
0.11
1.90
53
755
5.92
31.76
58.52
2.45
1.35
Med
Alpha
Beta
R-Squared
3 Yr
2008
5.92
31.76
58.52
2.45
1.35
High
MPT Statistics
5W
-Avg
+Avg
2007
44.41 26.44
17.09 -38.60
5.92
4.78
8.05
2.12
17
27
581
647
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
5 Yr
10 Yr
504 funds 285 funds
3Q
Avg
Avg
*
Short %
Ltd
2Q
Avg
-Avg
&
Long %
Risk and Return Profile
3 Yr
710 funds
*
Net %
Small
0.38
0.50
1.10
1.10
*
Portfolio Analysis 03-31-2012
Mid
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Standard Deviation
Mean
Sharpe Ratio
&
Asset Allocation % 12-31-2011
Fund Expenses
Morningstar RatingTM
Morningstar Risk
Morningstar Return
&
Large
NA
NA
Equity
Stock %
4k
Total
Front-End Load %
Deferred Load %
Investment Style
100k
80k
60k
0.38
0.38
0.38
Sales Charges
US OE World Stock
1
3 Yr
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-421-4225 or visit
www.americanfunds.com.
Morningstar Cat
MSCI World NR
USD
1
-1.07 17.47
-1.07
—
-1.07 17.47
Performance Disclosure
Category Index
MSCI EAFE NR
USD
4
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
Standard Index
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
28.0
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
4.7
10.6
11.6
1.1
—
—
—
—
j
i
o
p
a
Sensitive
43.2
—
Communication Services
Energy
Industrials
Technology
12.9
7.2
13.9
9.1
—
—
—
—
k
s
d
f
Defensive
28.8
—
Consumer Defensive
Healthcare
Utilities
12.8
9.6
6.4
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
American Funds
Multiple
19.1 Years
World Stock
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
RWICX
$0
A
Incept:
Type:
Total Assets:
06-06-2002
MF
$71,744.04 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Calvert Equity A (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
3rd Qtr
4th Qtr Total %
2010
2011
2012
5.67 -11.28 13.77
6.93 1.31 -15.11
15.54
—
—
9.92 17.23
6.32 -2.23
— 15.54
Trailing Returns
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
0.62 21.64
0.62
—
5.64 23.63
1 Yr
3.72
3.72
4.74
4.09
4.09
4.59
7.38
7.38
7.60
+/- Std Index
+/- Cat Index
-2.90
-5.38
0.21
-1.65
2.72
-0.36
0.47
0.31
—
—
65
37
31
34
1661
1459
1266
816
% Rank Cat
No. in Cat
7-day Yield
—
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-368-2748 or visit www.calvert.com.
Fees and Expenses
Sales Charges
4.75
NA
Category Index
Morningstar Cat
S&P 500 TR
Russell 1000
Growth TR USD
US OE Large Growth
7
7
7
7
7
7
7
7
7
7
7
96
97
97
98
98
95
96
95
96
97
96
96
40k
20k
10k
_
_
_
_
(
&
2001
2002
2003
2004
2005
2006
31.06 26.40
0.67 -14.93
12.56
7.17
21.10 12.96
—
—
—
—
32.29
22.31
-6.37
-7.44
—
—
34.45
6.69
-4.19
0.39
—
—
35.30
4.16
-0.75
-1.10
70
1495
37.30
10.16
-5.63
1.09
22
1642
(
&
2007
2008
2009
2010
38.61 22.91
9.94 -35.53
4.44
1.47
-1.88
2.91
69
13
1748 1809
30.53
33.41
6.95
-3.79
56
1796
35.79
17.23
2.17
0.52
32
1718
Portfolio Analysis 03-31-2012
Net %
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
2.45
89.09
7.35
0.00
1.10
3.90
89.09
7.35
0.00
1.10
1.45
0.00
0.00
0.00
0.00
100.00
101.45
1.45
Equity Style
Portfolio Statistics
Blend Growth
Large
Mid
0.70
0.25
1.22
1.22
Small
Ltd
Mod
Ext
High
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
20.9
14.6
3.2
34893
1.35
1.56
1.40
0.63
Rel
Cat
1.14
1.12
0.91
0.73
3Q
-Avg
Avg
3 Yr
5 Yr
10 Yr
16.88
23.63
1.34
19.20
4.74
0.28
15.87
4.59
0.25
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
MPT Statistics
Alpha
Beta
R-Squared
Standard Index
Best Fit Index
Russell 1000 Growth
TR USD
0.25
1.00
92.61
-1.15
0.99
94.47
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
13.95%
Calvert Equity A
16,058
Category Average
10,523
Standard Index
13,229
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Regional Exposure
Americas
Greater Europe
Greater Asia
_
Performance Quartile
(within category)
2011
03-12
History
33.33
-2.23
-4.35
-4.88
52
1683
38.51
15.54
2.95
0.85
—
1730
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
(
T
Y
Share
Amount
Holdings:
48 Total Stocks , 0 Total Fixed-Income,
41% Turnover Ratio
Stock %
Rel Std Index
98.3
1.7
0.0
0.98
17.19
—
% Net
Assets
Y
1 mil
2 mil
3 mil
2 mil
160,682
Allergan, Inc.
Qualcomm, Inc.
Suncor Energy Inc
Cameron International Corporation
Apple, Inc.
4.49
4.41
3.79
3.74
3.62
T
2 mil
113,026
982,028
108,420
1 mil
CVS Caremark Corp
Priceline.com, Inc.
Cognizant Technology Solutions Cor
Google, Inc. A
Danaher Corporation
3.41
2.95
2.90
2.79
2.63
1 mil
2 mil
937,355
2 mil
1 mil
Starbucks Corporation
CarMax, Inc.
Ecolab, Inc.
Microsoft Corporation
American Express Co
2.39
2.35
2.34
2.29
2.24
Sector Weightings
Credit Quality Breakdown —
Standard Deviation
Mean
Sharpe Ratio
(
Share Chg
since
02-2012
—
—
—
—
Low
3Q
-Avg
Avg
Med
3 Yr
5 Yr
10 Yr
1459 funds 1266 funds 816 funds
3Q
-Avg
Avg
Growth of $10,000
Top Holdings 02-29-2012
Asset Allocation % 02-29-2012
Fixed-Income Style
Morningstar RatingTM
Morningstar Risk
Morningstar Return
Equity
Stock %
4k
Fund Expenses
Risk and Return Profile
Investment Style
100k
80k
60k
Value
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Standard Index
QQQ
1,459 US OE Large Growth
4
Total
Front-End Load %
Deferred Load %
Overall Morningstar RtgTM
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
26.4
0.94
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
2.7
12.9
10.8
0.0
0.96
1.35
0.79
0.00
j
i
o
p
a
Sensitive
51.8
1.12
Communication Services
Energy
Industrials
Technology
0.0
10.6
12.0
29.2
0.00
0.95
1.01
1.53
k
s
d
f
Defensive
21.9
0.85
Consumer Defensive
Healthcare
Utilities
9.7
12.2
0.0
0.86
1.08
0.00
Operations
Family:
Manager:
Tenure:
Objective:
Calvert Investments, Inc.
Multiple
5.8 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Minimum IRA Purchase:
USD
CSIEX
$2,000
$2,000
Purchase Constraints:
Incept:
Type:
Total Assets:
—
08-24-1987
MF
$2,488.10 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
JPMorgan Market Expansion
Index R2 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
9.06 -10.58 11.32 14.13 23.92
9.26 -1.34 -20.59 14.25 -2.20
12.74
—
—
— 12.74
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
Standard Index
Category Index
Morningstar Cat
QQQ
385 US OE Mid-Cap Blend
S&P 500 TR
S&P MidCap 400
TR
US OE Mid-Cap Blend
5
5
5
5
5
5
5
6
6
5
6
6
97
100
98
94
98
99
97
91
96
98
98
98
3 Yr
5 Yr
—
—
2.76
— 17.03
— 17.03
6.68 17.03
+/- Std Index
+/- Cat Index
-7.62
-1.07
4.02
-1.12
0.74
-2.02
2.56
-1.02
49
40
41
41
_
_
_
_
_
_
_
_
No. in Cat
422
385
314
196
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
7-day Yield
—
—
—
1.04 -15.15
12.93
6.95
1.65 -0.62
—
—
—
—
—
35.85
7.16
0.23
—
—
—
17.93
7.05
1.45
—
—
—
10.53
5.62
-2.03
—
—
—
13.10
-2.70
2.78
—
—
—
6.53
2.75 -35.86
-2.74
1.14
-5.23
0.37
—
—
—
—
8.62
33.85
7.38
-3.53
55
451
10.66
23.92
8.85
-2.72
47
433
Fees and Expenses
10k
4k
Net %
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
2.41
97.40
0.20
0.00
0.00
2.41
97.40
0.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
Large
NA
NA
Mid
Fund Expenses
Small
0.25
0.50
1.14
1.14
Ltd
Mod
Ext
High
3 Yr
5 Yr
10 Yr
21.18
27.43
1.25
23.53
2.76
0.19
19.21
6.68
0.34
Standard Index
Best Fit Index
S&P MidCap 400 TR
-1.10
1.23
89.39
-1.96
1.05
99.54
Alpha
Beta
R-Squared
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
15.37%
Port
Rel
Avg Index
16.7
8.7
1.9
2385
1.08
0.93
0.85
0.04
Rel
Cat
1.00
0.95
0.97
0.41
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Low
MPT Statistics
3W
Avg
Avg
Med
Standard Deviation
Mean
Sharpe Ratio
5 Yr
10 Yr
314 funds 196 funds
3W
+Avg
Avg
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Share Chg
since
01-2012
*
_
Performance Quartile
(within category)
2011
03-12
History
9.57
-2.20
-4.31
-0.47
37
424
10.78
12.74
0.16
-0.75
—
442
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
Holdings:
878 Total Stocks , 1 Total Fixed-Income,
78% Turnover Ratio
Stock %
Rel Std Index
99.8
0.2
0.0
1.00
2.04
—
% Net
Assets
25 mil
66,838
238,694
123,767
132,908
Jpmorgan Liquid Assets Money Marke
Alliance Data Systems Corporation
HollyFrontier Corp
PetSmart Inc.
AGCO Corp
2.07
0.68
0.65
0.57
0.57
Y
230,045
184,159
93,309
63,743
137,022
Foot Locker Inc
Omnicare Inc
WellCare Health Plans, Inc.
Domtar Corp
URS Corporation
0.56
0.54
0.53
0.51
0.50
455,222
128,512
151,520
245,504
480,728
New York Community Bancorp, Inc.
Kennametal Inc.
Vertex Pharmaceuticals
Smithfield Foods, Inc.
Cadence Design Systems, Inc.
0.49
0.49
0.49
0.48
0.47
T
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
Share
Amount
T
Y
Fixed-Income Style
Risk and Return Profile
3Q
+Avg
Avg
(
Portfolio Analysis 02-29-2012
Asset Allocation %
Total
Sales Charges
Morningstar RatingTM
Morningstar Risk
Morningstar Return
JPMorgan Market Expansion
Index R2
20,696
Category Average
17,917
Standard Index
13,229
20k
—
—
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-480-4111 or visit
www.jpmorganfunds.com.
3 Yr
385 funds
Growth of $10,000
Incept
Performance Disclosure
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Equity
Stock %
40k
0.92 27.43
0.92
—
0.92 27.43
Front-End Load %
Deferred Load %
Investment Style
100k
80k
60k
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
10 Yr
Overall Morningstar RtgTM
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
38.1
1.36
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
6.0
13.4
10.7
8.1
2.16
1.40
0.78
4.35
j
i
o
p
a
Sensitive
43.0
0.93
Communication Services
Energy
Industrials
Technology
1.1
6.5
20.4
15.0
0.27
0.59
1.73
0.79
k
s
d
f
Defensive
18.9
0.73
5.1
9.8
3.9
0.45
0.88
1.19
Consumer Defensive
Healthcare
Utilities
Operations
Family:
Manager:
Tenure:
Objective:
JPMorgan
Multiple
11.3 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
JMEZX
$0
A
Incept:
Type:
Total Assets:
11-03-2008
MF
$1,218.52 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Morningstar Analyst RtgTM Overall Morningstar RtgTM
Lord Abbett Developing
Growth R3 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
8.10
10.19
12.15
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
Bronze
´
02-24-2012 QQQQ
9
9
9
9
9
9
9
9
9
0
100
98
100
100
99
100
100
98
97
94
96
—
-7.97 16.48 17.59 36.27
1.46 -20.89 11.01 -1.83
—
—
— 12.15
10 Yr
Incept
—
—
7.42
4.16
4.16
4.16
+/- Std Index
+/- Cat Index
-8.62
-0.76
7.66
2.71
6.40
4.26
3.30
1.42
—
—
54
20
2
17
_
_
_
_
_
_
No. in Cat
748
664
572
367
2001
2002
2003
2004
2005
2006
7-day Yield
0.00
—
—
-7.12 -29.65
4.77 -7.54
2.11
0.62
—
—
—
—
—
39.85
11.16
-8.70
—
—
—
5.84
-5.04
-8.47
—
—
—
11.70
6.79
7.55
—
—
—
12.28
-3.51
-1.07
—
—
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 888-522-2388 or visit
www.lordabbett.com.
Fees and Expenses
NA
NA
4k
Short %
2.91
88.97
7.45
0.00
0.66
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
Mod
Ext
21.53
31.07
1.37
24.97
8.42
0.41
21.90
7.42
0.36
Standard Index
Best Fit Index
Morningstar Small
Growth TR USD
3.07
1.18
79.07
2.45
0.98
95.12
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
14.67%
Port
Rel
Avg Index
27.5
20.2
3.8
1555
1.77
2.15
1.69
0.03
Rel
Cat
1.23
1.43
1.25
0.71
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Low
10 Yr
Med
5 Yr
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
High
3 Yr
2010
21.19
36.27
21.21
7.18
4
758
Long %
Small
Alpha
Beta
R-Squared
3W
+Avg
+Avg
2009
15.55
46.84
20.37
12.37
13
778
2.91
88.97
7.45
0.00
0.66
5 Yr
10 Yr
572 funds 367 funds
5W
+Avg
High
2008
Net %
Ltd
4Q
Avg
+Avg
2007
20.20 10.59
35.66 -47.57
30.17 -10.58
28.62 -9.03
—
90
—
834
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Risk and Return Profile
3 Yr
664 funds
)
&
&
_
Performance Quartile
(within category)
2011
03-12
History
19.51
-1.83
-3.94
1.08
36
764
21.88
12.15
-0.44
-1.13
—
772
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Portfolio Analysis 12-31-2011
Mid
0.51
0.50
1.24
1.24
_
Asset Allocation %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Lord Abbett Developing
Growth R3
19,008
Category Average
14,717
Standard Index
13,229
10k
Large
Front-End Load %
Deferred Load %
Growth of $10,000
20k
Total
Sales Charges
Equity
Stock %
40k
—
—
8.42
Performance Disclosure
Investment Style
100k
80k
60k
5 Yr
MPT Statistics
US OE Small Growth
9
3 Yr
Standard Deviation
Mean
Sharpe Ratio
Morningstar Cat
Russell 2000
Growth TR USD
9
-0.08 31.07
-0.08
—
-0.08 31.07
Morningstar RatingTM
Morningstar Risk
Morningstar Return
Category Index
S&P 500 TR
664 US OE Small Growth
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
Standard Index
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
Share
Amount
Holdings:
114 Total Stocks , 0 Total Fixed-Income,
137% Turnover Ratio
% Net
Assets
Y
Y
T
5 mil
721,801
998,256
808,152
1 mil
Kodiak Oil & Gas Corp.
Clean Harbors, Inc.
Cubist Pharmaceuticals, Inc.
Robbins & Myers, Inc.
Synchronoss Technologies, Inc.
2.17
2.12
1.82
1.81
1.75
T
T
Y
T
T
2 mil
2 mil
3 mil
2 mil
1 mil
Financial Engines, Inc.
Bankrate Inc
Endologix, Inc.
C&J Energy Services Inc
SolarWinds, Inc.
1.66
1.65
1.62
1.57
1.56
T
Y
Y
T
T
720,271
1 mil
807,150
1 mil
530,085
Faro Technologies, Inc.
Hexcel Corporation
NetSuite, Inc.
Align Technology, Inc.
Genesee & Wyoming, Inc. A
1.53
1.53
1.51
1.50
1.48
T
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
Share Chg
since
09-2011
Stock %
Rel Std Index
96.2
3.8
0.0
0.96
39.64
—
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
24.3
0.87
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
1.5
11.6
8.8
2.4
0.54
1.21
0.64
1.31
j
i
o
p
a
Sensitive
59.9
1.30
Communication Services
Energy
Industrials
Technology
0.0
7.5
21.0
31.4
0.00
0.67
1.78
1.65
k
s
d
f
Defensive
15.8
0.61
Consumer Defensive
Healthcare
Utilities
3.3
12.5
0.0
0.29
1.11
0.00
Operations
Family:
Manager:
Tenure:
Objective:
Lord Abbett
Multiple
10.3 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
LADRX
$0
C
Incept:
Type:
Total Assets:
09-28-2007
MF
$2,508.70 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Lord Abbett Mid Cap Stock
R3 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
7.27
7.97
11.38
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQQ
353 US OE Mid-Cap Value
S&P 500 TR
Russell Mid Cap
Value TR USD
US OE Mid-Cap Value
2
2
2
2
2
2
2
2
5
5
5
0
100
100
100
100
100
100
100
98
99
98
96
—
-9.34 12.51 14.60 25.38
0.00 -22.36 14.40 -4.10
—
—
— 11.38
100k
80k
60k
3 Yr
5 Yr
10 Yr
Incept
-1.07 24.56
-1.07
—
-1.07 24.56
—
—
-0.40
—
—
5.09
4.29
4.29
4.29
+/- Std Index
+/- Cat Index
-9.61
-3.35
1.14
-4.62
-2.41
-1.65
0.97
-2.92
—
—
71
69
88
84
_
_
_
_
_
_
_
_
No. in Cat
422
353
309
153
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
7-day Yield
0.00
—
—
-9.88 24.75
12.22 -3.94
-0.24 -13.32
—
—
—
—
—
23.91
13.03
0.20
—
—
—
8.00
3.09
-4.65
—
—
—
12.19
-3.60
-8.02
—
—
— 10.38
0.37 -39.57
-5.12 -2.57
1.80 -1.12
—
—
—
—
13.07
26.65
0.18
-7.56
84
416
16.32
25.38
10.32
0.63
18
420
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 888-522-2388 or visit
www.lordabbett.com.
Fees and Expenses
NA
NA
4k
—
7.84
19.73
5.51
—
—
Net %
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
3.78
93.64
2.42
0.00
0.16
3.78
93.64
2.42
0.00
0.16
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
Mid
Small
0.54
0.50
1.30
1.30
Ltd
Mod
Ext
High
MPT Statistics
Alpha
Beta
R-Squared
3Q
Avg
Avg
2W
Avg
-Avg
2W
-Avg
-Avg
3 Yr
5 Yr
10 Yr
19.82
24.56
1.21
22.18
-0.40
0.05
17.92
5.09
0.27
Standard Index
Best Fit Index
S&P MidCap 400 TR
-2.12
1.17
90.94
-2.36
0.97
96.91
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-38.04%
Port
Rel
Avg Index
15.2
9.0
1.7
6206
0.98
0.96
0.76
0.11
Rel
Cat
1.01
1.14
1.11
0.84
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Low
Standard Deviation
Mean
Sharpe Ratio
5 Yr
10 Yr
309 funds 153 funds
Med
Morningstar RatingTM
Morningstar Risk
Morningstar Return
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
Risk and Return Profile
3 Yr
353 funds
)
&
_
Performance Quartile
(within category)
2011
03-12
History
15.64
-4.10
-6.21
-2.72
47
422
17.42
11.38
-1.21
-0.03
—
452
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Portfolio Analysis 12-31-2011
Asset Allocation %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Lord Abbett Mid Cap Stock
R3
18,727
Category Average
20,213
Standard Index
13,229
10k
Large
Front-End Load %
Deferred Load %
Growth of $10,000
20k
Total
Sales Charges
Equity
Stock %
40k
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
Investment Style
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
Share
Amount
Holdings:
106 Total Stocks , 0 Total Fixed-Income,
48% Turnover Ratio
Stock %
Rel Std Index
98.4
1.6
0.0
0.99
16.20
—
% Net
Assets
Y
T
Y
T
T
6 mil
2 mil
898,100
819,800
1 mil
Interpublic Group of Cos Inc
Mylan Inc
EQT Corp
Bunge Ltd
Omnicom Group, Inc.
2.53
2.22
2.18
2.07
1.98
T
T
T
T
Y
647,600
1 mil
1 mil
700,000
1 mil
Fiserv, Inc.
Macy's Inc
Lazard Ltd
Reliance Steel and Aluminum
Republic Services Inc A
1.68
1.62
1.61
1.51
1.49
T
T
T
T
Y
577,000
585,900
1 mil
1 mil
2 mil
Dover Corporation
Ashland Inc
Trinity Industries, Inc.
QEP Resources Inc
Pier 1 Imports, Inc.
1.48
1.48
1.46
1.46
1.36
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
Share Chg
since
09-2011
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
41.2
1.47
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
9.7
13.4
17.2
0.9
3.46
1.40
1.25
0.47
j
i
o
p
a
Sensitive
40.9
0.89
Communication Services
Energy
Industrials
Technology
1.2
11.5
21.3
7.0
0.28
1.03
1.80
0.37
k
s
d
f
Defensive
17.9
0.69
5.0
9.5
3.4
0.44
0.85
1.02
Consumer Defensive
Healthcare
Utilities
Operations
Family:
Manager:
Tenure:
Objective:
Lord Abbett
Multiple
3.8 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
LMCRX
$0
A
Incept:
Type:
Total Assets:
03-31-2008
MF
$2,528.81 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Morningstar Analyst RtgTM Overall Morningstar RtgTM
MFS Massachusetts
Investors Gr Stk R2 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3.26 -11.67 10.80 12.78 13.98
3.54 2.71 -12.18 8.22 1.07
14.47
—
—
— 14.47
Trailing Returns
Load-adj Mthly
Std 03-31-2012
Total Return
1 Yr
3rd Qtr
4th Qtr Total %
3 Yr
5 Yr
10 Yr
Incept
11.73 24.21
11.73
—
11.73 24.21
5.37
5.37
5.37
—
—
3.48
5.80
5.80
5.80
—
—
+/- Std Index
+/- Cat Index
03-21-2012 QQQQ
7
7
7
7
7
7
7
7
7
95
94
98
99
95
97
99
98
99
98
98
98
_
_
1661
1459
1266
816
2001
2002
2003
2004
2005
2006
—
—
-24.98 -28.57
-13.10 -6.47
-4.56 -0.69
—
—
—
—
11.32
22.28
-6.41
-7.47
—
—
12.27
9.10
-1.78
2.80
37
1400
12.70
3.50
-1.41
-1.76
75
1495
13.62
7.24
-8.55
-1.83
49
1642
4k
_
*
*
(
&
2007
2008
2009
2010
15.08
9.43
11.16 -37.10
5.67 -0.10
-0.65
1.33
63
21
1748 1809
13.20
40.40
13.93
3.19
25
1796
14.98
13.98
-1.09
-2.73
62
1718
Net %
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
1.63
86.63
11.74
0.00
0.00
1.93
86.63
11.74
0.00
0.00
0.31
0.00
0.00
0.00
0.00
100.00
100.31
0.31
Equity Style
Portfolio Statistics
Blend Growth
Large
Fund Expenses
Mid
0.33
0.50
1.06
1.06
Small
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
17.6
12.6
3.2
42068
1.14
1.34
1.42
0.76
Rel
Cat
0.96
0.97
0.92
0.87
Fixed-Income Style
Risk and Return Profile
Ltd
Mod
Ext
High
4Q
-Avg
+Avg
3W
-Avg
Avg
3 Yr
5 Yr
10 Yr
17.04
24.21
1.36
18.92
5.37
0.32
15.88
3.48
0.18
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
MPT Statistics
Alpha
Beta
R-Squared
Standard Index
Best Fit Index
Russell 1000 Growth
TR USD
0.32
1.02
94.43
-1.18
1.02
96.87
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
6.36%
(
_
Performance Quartile
(within category)
2011
03-12
History
15.07
1.07
-1.05
-1.58
22
1683
17.25
14.47
1.88
-0.22
—
1730
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Regional Exposure
Americas
Greater Europe
Greater Asia
Share Chg
since
01-2012
Share
Amount
Holdings:
65 Total Stocks , 0 Total Fixed-Income,
28% Turnover Ratio
Stock %
Rel Std Index
88.1
9.3
2.6
0.88
96.12
—
% Net
Assets
T
Y
T
Y
T
229,190
252,780
2 mil
4 mil
1 mil
Google, Inc. Class A
Apple, Inc.
Danaher Corporation
Oracle Corporation
United Technologies Corp
4.29
4.16
4.00
3.81
3.48
T
T
T
T
T
1 mil
843,550
1 mil
1 mil
1 mil
Colgate-Palmolive Company
Visa, Inc.
Procter & Gamble Co
Schlumberger NV
PepsiCo Inc
3.24
2.98
2.84
2.80
2.59
T
T
T
T
Y
2 mil
2 mil
1 mil
622,100
4 mil
Thermo Fisher Scientific Inc
Sensata Technologies Holding B.V.
Accenture PLC
Franklin Resources Inc.
Taiwan Semiconductor Manufacturing
2.58
2.43
2.40
2.22
1.96
Sector Weightings
Credit Quality Breakdown —
Standard Deviation
Mean
Sharpe Ratio
—
—
—
—
Low
4Q
-Avg
+Avg
Med
3 Yr
5 Yr
10 Yr
1459 funds 1266 funds 816 funds
Morningstar RatingTM
Morningstar Risk
Morningstar Return
*
Portfolio Analysis 02-29-2012
Value
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
)
Asset Allocation %
Total
NA
NA
MFS Massachusetts
Investors Gr Stk R2
10,270
Category Average
10,523
Standard Index
13,229
10k
62
Front-End Load %
Deferred Load %
Growth of $10,000
20k
21
Fees and Expenses
Equity
Stock %
40k
30
Sales Charges
Investment Style
100k
80k
60k
14
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-343-2829 or visit www.mfs.com.
US OE Large Growth
7
-0.64
-0.80
Performance Disclosure
Morningstar Cat
Russell 1000
Growth TR USD
7
3.36
0.27
—
Category Index
S&P 500 TR
7
0.79
-1.07
7-day Yield
Standard Index
1,459 US OE Large Growth
3.19
0.71
% Rank Cat
No. in Cat
Bronze
´
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
j
i
o
p
a
Sensitive
54.6
1.18
Communication Services
Energy
Industrials
Technology
1.0
6.9
16.8
29.9
0.23
0.62
1.42
1.57
k
s
d
f
Defensive
25.9
1.00
Consumer Defensive
Healthcare
Utilities
15.2
10.7
0.0
1.34
0.95
0.00
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
19.5
0.70
1.1
9.2
9.2
0.0
0.39
0.96
0.67
0.00
Operations
Family:
Manager:
Tenure:
Objective:
MFS
Jeffrey Constantino
5.4 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
MIRGX
$0
A
Incept:
Type:
Total Assets:
10-31-2003
MF
$3,404.06 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Oppenheimer Active Allc N
(USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3.93
3.56
9.05
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
-7.79 10.68
0.61 -13.38
—
—
7.85 14.40
4.81 -5.41
— 9.05
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQ
320 US OE Aggressive
Allocation
Morningstar
Moderate Target
Risk
Morningstar
Aggressive Target
Risk
US OE Aggressive
Allocation
0
0
0
0
4
4
7
7
7
4
7
7
—
—
—
—
59
74
75
66
68
68
67
68
100k
80k
60k
40k
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
-1.37 18.18
-1.37
—
-0.40 18.18
-1.76
-1.76
-1.76
—
—
—
2.07
2.07
2.07
+/- Std Index
+/- Cat Index
-4.93
-1.94
1.67
-4.31
-5.99
-3.89
—
—
—
—
80
74
95
—
_
_
_
_
No. in Cat
364
320
287
—
2001
2002
2003
2004
2005
2006
7-day Yield
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
10.61
—
—
—
—
—
11.80
13.77
0.82
-4.63
34
206
% Rank Cat
20k
10k
Fees and Expenses
NA
1.00
0.00
0.00
0.00
2.12
0.18
100.00
102.30
2.30
Equity Style
Value
Portfolio Statistics
Blend Growth
Mod
Ext
10 Yr
14.29
18.18
1.24
18.29
-1.76
-0.06
—
—
—
Standard Index
Best Fit Index
Morningstar
Lifetime Moderate
2050
-3.25
1.32
98.59
-0.47
0.83
99.12
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-27.46%
Port
Rel
Avg Index
14.9
8.8
2.2
20142
1.09
1.10
1.19
0.89
Rel
Cat
1.09
1.08
1.22
0.79
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
4.34
5.14
97.14
Low
5 Yr
Med
Alpha
Beta
R-Squared
3 Yr
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
High
MPT Statistics
—
—
—
Growth of $10,000
Oppenheimer Active Allc N
11,790
Category Average
13,802
Standard Index
15,445
Bond %
AAA
AA
A
51.32
6.69
8.11
BBB
BB
B
14.30
6.81
6.42
Below B
NR/NA
Americas
Greater Europe
Greater Asia
)
_
Performance Quartile
(within category)
2010
2011
03-12
History
9.54
14.40
2.06
-2.36
32
230
8.84
-5.41
-6.00
-1.80
78
363
9.64
9.05
1.10
-2.56
—
402
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Share Chg
since
02-2012
Share
Amount
Holdings:
1,171 Total Stocks , 1,463 Total Fixed-Income,
21% Turnover Ratio
% Net
Assets
Y
Y
Y
Y
Y
18 mil
7 mil
9 mil
30 mil
12 mil
Oppenheimer Value Y
Oppenheimer Capital Appreciation Y
Oppenheimer International Growth Y
Oppenheimer Core Bond Y
Oppenheimer Limited-Term Governmen
21.03
16.64
12.57
10.21
5.62
Y
Y
Y
Y
Y
5 mil
16 mil
7 mil
3 mil
14 mil
Oppenheimer Main Street Sm & Mid C
Oppenheimer International Bond Y
Oppenheimer Quest International Va
Oppenheimer Developing Markets Y
Oppenheimer Commodity Strat Total
5.39
5.17
5.08
4.49
2.49
Y
Y
Y
Y
Y
22 mil
3 mil
2 mil
1 mil
28 mil
Oppenheimer Champion Income Y
Mstr Infl Pro Feeder 550
Oppenheimer Rising Dividends Y
Oppenheimer Real Estate Y
Oppenheimer Institutional Money Ma
2.01
1.73
1.58
1.48
1.43
Sector Weightings
Credit Quality Breakdown 12-31-2011
Regional Exposure
(
Top Holdings 02-29-2012
8.69
44.57
25.19
20.26
3.59
Small
Standard Deviation
Mean
Sharpe Ratio
1Q
+Avg
Low
2009
8.40
27.07
5.30
-4.93
67
229
8.69
44.57
25.19
18.14
3.41
5 Yr
10 Yr
287 funds 108 funds
3Q
-Avg
-Avg
2008
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
2007
11.85
6.67
5.30 -40.66
-3.34 -18.47
-3.90 -3.52
76
92
213
227
Short %
Risk and Return Profile
3 Yr
320 funds
)
Long %
Mid
NA
0.50
1.46
1.46
)
Net %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
*
Portfolio Analysis 03-31-2012
Large
Front-End Load %
Deferred Load %
_
Asset Allocation %
Total
Sales Charges
Equity
Stock %
4k
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Investment Style
3.73
2.63
Stock %
Rel Std Index
68.2
24.3
7.4
0.93
1.72
0.61
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
32.2
0.90
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
4.4
12.7
11.5
3.6
0.68
1.25
0.75
1.00
j
i
o
p
a
Sensitive
43.9
1.05
Communication Services
Energy
Industrials
Technology
2.9
8.5
16.0
16.4
0.63
0.78
1.27
1.22
k
s
d
f
Defensive
23.9
1.06
Consumer Defensive
Healthcare
Utilities
11.3
10.1
2.6
1.25
1.07
0.61
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
7.0 Years
Growth
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
OAANX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
04-05-2005
MF
$2,008.16 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Oppenheimer Conservative
Inv N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3.23
2.74
4.82
-2.61
0.61
—
1 Yr
Trailing Returns
3rd Qtr
4th Qtr Total %
6.57
-5.78
—
3.55 10.95
3.46 0.76
— 4.82
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQ
545 US OE Conservative
Allocation
Morningstar
Moderate Target
Risk
Morningstar
Moderately Cons
Target Risk
US OE Conservative
Allocation
0
0
0
0
6
6
5
2
6
6
5
6
—
—
—
—
62
62
64
67
60
49
50
51
100k
80k
60k
40k
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
1.80 13.55
1.80
—
2.80 13.55
-2.48
-2.48
-2.48
—
—
—
0.26
0.26
0.26
+/- Std Index
+/- Cat Index
-1.73
-2.91
-2.96
0.83
-6.71
-7.30
—
—
—
—
77
54
98
—
_
_
_
_
No. in Cat
613
545
462
—
2001
2002
2003
2004
2005
2006
7-day Yield
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
10.31
—
—
—
—
—
10.79
7.81
-5.14
-1.91
53
558
% Rank Cat
20k
10k
Fees and Expenses
NA
1.00
0.00
0.00
0.01
0.03
0.18
100.00
100.22
0.22
Equity Style
Value
Portfolio Statistics
Blend Growth
Mod
Ext
10 Yr
7.43
13.55
1.74
13.86
-2.48
-0.18
—
—
—
Standard Index
Best Fit Index
Morningstar
Lifetime Moderate
2010
2.19
0.68
96.28
0.30
0.84
97.22
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-23.17%
Port
Rel
Avg Index
15.1
9.0
2.1
21574
1.10
1.12
1.15
0.95
Rel
Cat
1.07
1.08
1.07
0.66
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
4.01
4.97
99.57
Low
5 Yr
Med
Alpha
Beta
R-Squared
3 Yr
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
High
MPT Statistics
—
—
—
Growth of $10,000
Oppenheimer Conservative
Inv N
10,205
Category Average
13,588
Standard Index
15,445
Bond %
AAA
AA
A
57.35
4.91
7.09
BBB
BB
B
13.55
6.19
5.29
Below B
NR/NA
Americas
Greater Europe
Greater Asia
(
_
Performance Quartile
(within category)
2010
2011
03-12
History
8.04
10.95
-1.38
1.30
35
656
7.89
0.76
0.16
-1.84
65
618
8.27
4.82
-3.14
-1.05
—
647
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Share Chg
since
02-2012
Share
Amount
Holdings:
1,053 Total Stocks , 1,522 Total Fixed-Income,
12% Turnover Ratio
% Net
Assets
T
T
Y
T
Y
18 mil
9 mil
2 mil
7 mil
748,459
Oppenheimer Core Bond Y
Oppenheimer Limited-Term Governmen
Oppenheimer Value Y
Oppenheimer International Bond Y
Oppenheimer Capital Appreciation Y
27.19
17.91
11.27
9.43
8.35
T
Y
Y
Y
Y
11 mil
5 mil
19 mil
626,800
1 mil
Oppenheimer Champion Income Y
Oppenheimer Commodity Strat Total
Oppenheimer Institutional Money Ma
Oppenheimer Main Street Sm & Mid C
Mstr Infl Pro Feeder 540
4.31
4.20
4.19
3.29
2.95
Y
Y
Y
Y
Y
333,972
440,662
113,010
270,005
84,312
Oppenheimer International Growth Y
Oppenheimer Real Estate Y
Oppenheimer Gold & Special Mineral
Oppenheimer Quest International Va
Oppenheimer Developing Markets Y
2.14
2.10
0.97
0.84
0.63
Sector Weightings
Credit Quality Breakdown 12-31-2011
Regional Exposure
)
Top Holdings 02-29-2012
15.17
23.74
6.67
50.63
4.00
Small
Standard Deviation
Mean
Sharpe Ratio
1Q
High
Low
2009
7.42
15.14
-6.64
-0.17
82
628
15.17
23.74
6.66
50.60
3.82
5 Yr
10 Yr
462 funds 170 funds
3Q
Avg
Avg
2008
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
2007
10.89
6.49
5.32 -36.65
-3.32 -14.45
-2.69 -23.59
41
99
609
679
Short %
Risk and Return Profile
3 Yr
545 funds
)
Long %
Mid
NA
0.50
1.42
1.42
*
Net %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
(
Portfolio Analysis 03-31-2012
Large
Front-End Load %
Deferred Load %
_
Asset Allocation %
Total
Sales Charges
Fixed-Income
Bond %
4k
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Investment Style
3.56
2.07
Stock %
Rel Std Index
84.8
12.2
3.0
1.15
0.86
0.25
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
37.4
1.05
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
5.7
11.6
11.7
8.5
0.87
1.14
0.76
2.36
j
i
o
p
a
Sensitive
39.8
0.95
Communication Services
Energy
Industrials
Technology
1.9
9.2
13.9
14.8
0.41
0.83
1.10
1.10
k
s
d
f
Defensive
22.8
1.01
Consumer Defensive
Healthcare
Utilities
9.6
10.0
3.2
1.07
1.06
0.76
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
3.2 Years
Asset Allocation
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ONCIX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
04-05-2005
MF
$449.72 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Oppenheimer Developing
Markets N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
2.79
-0.82
14.74
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
-6.38 20.63
-0.80 -20.13
—
—
8.95 26.48
3.82 -18.42
— 14.74
3 Yr
5 Yr
10 Yr
Load-adj Mthly
Std 03-31-2012
Total Return
-6.54 29.13
-6.54
—
-5.61 29.13
+/- Std Index
+/- Cat Index
0.16 12.00 11.32 11.50
3.20 4.07 3.14 3.07
% Rank Cat
Morningstar Analyst RtgTM Overall Morningstar RtgTM
Standard Index
Category Index
01-19-2012 QQQQQ
MSCI EAFE NR
USD
MSCI EM NR USD US OE Diversified
Emerging Mkts
Silver
„
2
5
5
4
7
4
4
7
7
7
7
7
80
85
78
91
93
99
97
100
96
86
97
96
12
4
5
No. in Cat
482
354
241
147
7-day Yield
—
40k
Incept
20k
10k
—
—
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Fees and Expenses
&
2002
2003
2004
2005
2006
20.41
64.70
26.12
8.89
17
196
26.57
32.54
12.29
6.99
6
202
35.82
40.72
27.19
6.72
8
212
40.53
24.70
-1.64
-7.44
96
242
4.05
0.00
95.89
0.00
0.06
4.05
0.00
95.89
0.00
0.10
0.00
0.00
0.00
0.00
0.03
100.00
100.03
0.03
Equity Style
Value
Portfolio Statistics
Blend Growth
24.21
29.13
1.18
27.59
7.81
0.37
23.37
17.20
0.72
Standard Index
Best Fit Index
MSCI EM NR USD
9.78
1.05
81.28
4.35
0.95
96.79
—
—
11.78%
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
17.9
12.8
2.7
16422
1.59
1.98
2.01
0.55
Rel
Cat
1.60
1.69
1.50
0.93
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
Oppenheimer Developing
Markets N
52,384
Category Average
34,782
Standard Index
13,741
—
—
—
—
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
_
Performance Quartile
(within category)
2011
03-12
History
35.30 28.35
26.48 -18.42
18.73 -6.28
7.60
0.01
11
36
386
458
32.53
14.74
3.88
0.67
—
581
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
*
2010
Share
Amount
Holdings:
117 Total Stocks , 0 Total Fixed-Income,
34% Turnover Ratio
Stock %
Rel Std Index
25.9
28.9
45.1
—
—
—
% Net
Assets
T
T
996 mil
16 mil
36 mil
4 mil
7 mil
Oppenheimer Institutional Money Ma
Infosys Ltd
America Movil, S.A.B. de C.V. ADR
Nhn Corp
Mexican Economic Development, Inc.
4.08
3.84
3.49
3.17
2.22
T
T
T
77 mil
6 mil
3 mil
3 mil
1,147 mil
BMF Bovespa SA Bolsa Valores Merc
Carlsberg AS
Baidu, Inc. ADR
Novatek OAO GDR
Sm Prime Holdings Inc
2.12
1.96
1.88
1.84
1.80
20 mil
3 mil
18 mil
17 mil
31 mil
HTC Corporation
Magnit - Open Joint Stock Company
Tullow Oil PLC
Tencent Holdings Ltd.
Housing Development Finance Corp L
1.79
1.76
1.76
1.75
1.71
Y
T
T
T
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
&
Share Chg
since
02-2012
Y
Fixed-Income Style
Low
10 Yr
Growth of $10,000
Top Holdings 02-29-2012
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Med
5 Yr
2009
27.91
81.16
49.38
2.65
23
367
Short %
High
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
3 Yr
2008
Long %
Small
Alpha
Beta
R-Squared
5Q
-Avg
High
2007
47.68 15.44
33.27 -48.22
22.10 -4.84
-6.15
5.11
68
15
274
312
Net %
5 Yr
10 Yr
241 funds 147 funds
5Q
-Avg
High
&
Portfolio Analysis 03-31-2012
Ltd
4Q
-Avg
+Avg
(
Asset Allocation %
Risk and Return Profile
3 Yr
354 funds
)
12.78
-1.70
14.24
4.47
21
184
Mid
0.79
0.50
1.77
1.77
&
2001
Large
NA
1.00
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
MPT Statistics
&
13.23
-6.00
15.44
-3.39
—
—
Fund Expenses
Standard Deviation
Mean
Sharpe Ratio
&
Total
Sales Charges
Equity
Stock %
4k
_
Performance Disclosure
Front-End Load %
Deferred Load %
Investment Style
100k
80k
60k
7.81 17.20 15.44
7.81 17.20 15.44
7.81 17.20 15.44
25
Morningstar RatingTM
Morningstar Risk
Morningstar Return
354 US OE Diversified
Emerging Mkts
Morningstar Cat
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
41.4
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
9.1
13.4
14.7
4.1
—
—
—
—
j
i
o
p
a
Sensitive
35.4
—
Communication Services
Energy
Industrials
Technology
5.8
7.8
3.2
18.6
—
—
—
—
k
s
d
f
Defensive
23.3
—
Consumer Defensive
Healthcare
Utilities
22.1
1.1
0.0
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Justin Leverenz
4.9 Years
Diversified Emerging Markets
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ODVNX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$25,052.36 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Oppenheimer Equity Inv N
(USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
4.96 -11.27 13.72 10.14 16.65
3.80 1.05 -18.39 6.90 -8.50
12.44
—
—
— 12.44
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQ
1,578 US OE Large Blend
S&P 500 TR
Russell 1000 TR
USD
US OE Large Blend
0
0
0
0
4
7
7
7
7
4
7
7
—
—
—
—
98
97
98
99
98
98
96
97
100k
80k
60k
40k
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
-1.87 21.89
-1.87
—
-0.89 21.89
0.57
0.57
0.57
—
—
—
4.25
4.25
4.25
+/- Std Index
+/- Cat Index
-9.43
-8.75
-1.52
-2.14
-1.45
-1.62
—
—
—
—
89
49
66
—
_
_
_
_
1778
1578
1387
—
2001
2002
2003
2004
2005
2006
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
11.05
—
—
—
—
—
12.38
14.05
-1.74
-1.41
55
1980
% Rank Cat
No. in Cat
7-day Yield
20k
10k
Performance Disclosure
Fees and Expenses
NA
1.00
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
Mod
Ext
10 Yr
19.03
21.89
1.14
21.80
0.57
0.09
—
—
—
Standard Index
Best Fit Index
Morningstar
Lifetime Moderate
2045
-3.96
1.14
94.74
-2.66
1.11
98.44
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-1.32%
Port
Rel
Avg Index
14.5
8.6
2.2
18215
0.94
0.91
0.95
0.33
Rel
Cat
1.02
0.92
0.94
0.26
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Low
5 Yr
Med
Alpha
Beta
R-Squared
3 Yr
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
High
MPT Statistics
—
—
—
Growth of $10,000
Oppenheimer Equity Inv N
13,722
Category Average
13,461
Standard Index
14,071
Credit Quality Breakdown —
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Regional Exposure
Americas
Greater Europe
Greater Asia
&
_
Performance Quartile
(within category)
2011
03-12
History
11.04 10.05
16.65 -8.50
1.59 -10.61
0.55 -10.00
15
94
2010 1786
11.30
12.44
-0.15
-0.46
—
1888
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
)
2010
Top Holdings 02-29-2012
2.86
52.27
44.79
0.00
0.08
Small
Standard Deviation
Mean
Sharpe Ratio
2Q
+Avg
Avg
2009
9.47
39.99
13.52
11.55
9
2027
2.86
52.27
44.79
0.00
0.08
3 Yr
5 Yr
10 Yr
1578 funds 1387 funds 843 funds
3Q
+Avg
Avg
2008
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Ltd
Morningstar Rating
Morningstar Risk
Morningstar Return
2007
12.77
6.91
7.25 -41.80
1.75 -4.81
1.47 -4.21
34
82
2090 2086
Short %
Risk and Return Profile
TM
)
Long %
Mid
NA
0.50
1.45
1.45
*
Net %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
(
Portfolio Analysis 03-31-2012
Large
Front-End Load %
Deferred Load %
_
Asset Allocation %
Total
Sales Charges
Equity
Stock %
4k
—
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Investment Style
Stock %
Rel Std Index
58.0
32.2
9.8
0.58
332.07
—
Share Chg
since
02-2012
Y
Y
Y
Y
Y
Y
Y
Share
Amount
8 mil
6 mil
3 mil
5 mil
2 mil
Holdings:
952 Total Stocks , 0 Total Fixed-Income,
5% Turnover Ratio
% Net
Assets
Oppenheimer Value Y
Oppenheimer International Growth Y
Oppenheimer Capital Appreciation Y
Oppenheimer Quest International Va
Oppenheimer Main Street Sm & Mid C
27.11
24.57
20.52
10.53
8.11
1 mil Oppenheimer Developing Markets Y
750,099 Oppenheimer International Small Co
Sector Weightings
Stocks %
6.80
2.35
Rel Std Index
h
r
t
y
u
Cyclical
30.3
1.08
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
4.3
13.3
11.1
1.7
1.53
1.39
0.81
0.89
j
i
o
p
a
Sensitive
45.4
0.98
Communication Services
Energy
Industrials
Technology
3.5
8.2
17.6
16.2
0.83
0.74
1.49
0.85
k
s
d
f
Defensive
24.3
0.94
Consumer Defensive
Healthcare
Utilities
11.8
10.0
2.4
1.04
0.89
0.73
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Alan Gilston
3.2 Years
Growth
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ONAIX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
04-05-2005
MF
$662.20 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Oppenheimer Fxd Inc Active
Allc N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3rd Qtr
4th Qtr Total %
2.79
1.51
2.49
1.20
1.98
—
5.86
-0.82
—
-0.36
1.59
—
1 Yr
Trailing Returns
Overall Morningstar RtgTM
Standard Index
Category Index
QQQQ
1,013 US OE IntermediateTerm Bond
BarCap US Agg
Bond TR USD
BarCap US
US OE IntermediateGovt/Credit 5-10 Yr Term Bond
TR USD
0
0
0
0
0
0
0
5
9
6
5
5
—
—
—
—
—
—
—
75
71
76
69
72
9.73
4.31
2.49
40k
3 Yr
5 Yr
10 Yr
Incept
4.31 12.31
4.31
—
5.31 12.31
—
—
—
—
—
—
-0.96
-0.96
-0.96
+/- Std Index
+/- Cat Index
-2.40
-5.76
5.47
2.74
—
—
—
—
—
—
85
19
—
—
_
_
_
_
_
_
1179
1013
—
—
2001
2002
2003
2004
2005
2006
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
% Rank Cat
No. in Cat
7-day Yield
20k
10k
Performance Disclosure
Fees and Expenses
NA
1.00
Short %
12.07
0.00
0.00
72.13
16.24
0.02
0.00
0.00
0.08
0.34
100.00
100.45
0.45
Equity Style
Value
Blend Growth
Small
Mod
Ext
High
Alpha
Beta
R-Squared
3 Yr
5 Yr
10 Yr
4.87
12.31
2.40
—
—
—
—
—
—
Standard Index
Best Fit Index
BarCap US Credit TR
USD
6.47
0.79
19.44
1.26
0.89
69.93
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
4.49%
4.49%
-7.09%
Port
Rel
Avg Index
Rel
Cat
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
—
—
—
—
—
—
—
—
—
—
—
—
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
5.18
5.12
95.39
Low
MPT Statistics
—
—
—
Med
Standard Deviation
Mean
Sharpe Ratio
—
—
—
Portfolio Statistics
Fixed-Income Style
5 Yr
10 Yr
869 funds 589 funds
4Q
+Avg
+Avg
2009
7.27
13.25
7.32
6.75
—
—
Long %
Risk and Return Profile
Morningstar RatingTM
Morningstar Risk
Morningstar Return
2008
Net %
Ltd
3 Yr
1013 funds
2007
10.00
6.79
— -27.78
— -33.02
— -32.83
—
—
—
—
12.05
0.00
0.00
72.05
15.90
Mid
0.04
0.50
1.48
1.48
_
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Growth of $10,000
Oppenheimer Fxd Inc Active
Allc N
9,595
Category Average
12,469
Standard Index
12,848
_
)
_
Performance Quartile
(within category)
2010
2011
03-12
History
7.61
9.73
3.18
0.31
16
1164
7.52
4.31
-3.53
-6.47
85
1195
7.63
2.49
2.18
1.77
—
1223
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Portfolio Analysis 01-31-2012
Large
Front-End Load %
Deferred Load %
_
Asset Allocation %
Total
Sales Charges
Fixed-Income
Bond %
4k
—
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Investment Style
100k
80k
60k
Load-adj Mthly
Std 03-31-2012
Total Return
Morningstar Cat
Credit Quality Breakdown 12-31-2011
Bond %
AAA
AA
A
44.54
8.17
11.04
BBB
BB
B
20.68
8.39
1.49
Below B
NR/NA
Regional Exposure
Americas
Greater Europe
Greater Asia
Share Chg
since
10-2011
T
T
T
R
Share
Amount
7 mil
3 mil
910,988
2 mil
Holdings:
1 Total Stocks , 850 Total Fixed-Income,
11% Turnover Ratio
% Net
Assets
Oppenheimer Core Bond Y
Oppenheimer International Bond Y
Oppenheimer Master Loan Fund, Llc
Oppenheimer Institutional Money Ma
59.15
24.03
14.05
2.52
Sector Weightings
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
0.0
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
0.0
0.0
0.0
0.0
—
—
—
—
j
i
o
p
a
Sensitive
0.0
—
Communication Services
Energy
Industrials
Technology
0.0
0.0
0.0
0.0
—
—
—
—
k
s
d
f
Defensive
100.0
—
Consumer Defensive
Healthcare
Utilities
100.0
0.0
0.0
—
—
—
2.66
3.03
Stock %
Rel Std Index
0.0
100.0
0.0
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Arthur Steinmetz
4.3 Years
Growth and Income
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ONFAX
$1,000
$500
$500
—
Incept:
Type:
Total Assets:
12-19-2007
MF
$81.27 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Morningstar Analyst RtgTM Overall Morningstar RtgTM
02-21-2012 QQQQ
Neutral
Oppenheimer International
Bond N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
1.39
0.70
2.87
Trailing Returns
3rd Qtr
4th Qtr Total %
-2.49 10.71
3.76 -5.75
—
—
7.50
-0.73
2.87
1 Yr
3 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
0.44
0.44
1.41
9.03
—
9.03
6.14 10.09
6.14 10.09
6.14 10.09
9.43
9.43
9.43
+/- Std Index
+/- Cat Index
-6.30
-2.52
2.19
2.10
-0.11
-0.81
4.30
1.56
91
47
43
5
No. in Cat
299
246
180
120
7-day Yield
—
% Rank Cat
5 Yr
-1.78
0.80
—
246 US OE World Bond
Fees and Expenses
6
3
6
6
6
5
8
9
9
9
6
95
86
80
76
76
67
66
78
85
91
85
87
Sales Charges
40k
20k
10k
&
2003
2004
2005
2006
5.52
25.27
21.16
6.75
3
162
5.97
15.37
11.03
3.23
1
167
5.74
2.67
0.24
11.88
22
170
6.00
8.21
3.87
1.26
12
197
9.58
9.03
0.94
10.09
6.14
0.54
8.98
10.09
0.91
Standard Index
Best Fit Index
Citi WGBI NonUSD
USD
2.46
1.00
7.93
2.32
0.96
77.75
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
4.91%
3.14%
-1.53%
2009
6.38
12.66
6.73
8.27
42
269
Growth of $10,000
Oppenheimer International
Bond N
27,238
Category Average
19,815
Standard Index
19,073
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
7.35
0.00
0.00
88.45
4.20
7.38
0.00
0.00
88.46
5.57
0.03
0.00
0.00
0.01
1.36
100.00
101.40
1.40
Equity Style
Value
Blend Growth
Portfolio Statistics
Port
Rel
Avg Index
Rel
Cat
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
—
—
—
—
—
—
—
—
—
—
—
—
Share Chg
since
02-2012
T
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
Performance Quartile
(within category)
2010
2011
03-12
History
6.54
7.50
0.95
2.29
30
270
6.19
-0.73
-8.57
-5.90
91
297
6.31
2.87
2.57
3.09
—
338
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
Share
Amount
59,720 mil
48,413 mil
615 mil
30,726 mil
734 mil
279 mil
940 mil
1,109 mil
1,679 mil
98 mil
—
5.46
5.38
76.21
Bond %
AAA
AA
A
17.19
19.56
21.05
BBB
BB
B
17.22
8.60
3.73
Below B
NR/NA
0.06
12.58
Americas
Greater Europe
Greater Asia
_
Holdings:
1 Total Stocks , 300 Total Fixed-Income,
80% Turnover Ratio
Stock %
Rel Std Index
—
—
—
—
—
—
% Net
Assets
Japan(Govt Of) 0.5%
Japan(Govt Of) 2.1%
Oppenheimer Institutional Money Ma
Japan(Govt Of) 1.3%
Turkey Govt Bond
5.84
4.99
4.83
3.11
2.93
Brazil(Fed Rep Of) 10%
Wm Covered Bond Pr 4%
United Kingdom (Government Of) 4.2
United Kingdom (Government Of) 4.7
Poland(Rep Of) 5%
2.49
1.69
1.35
1.34
1.33
Foederative Republik Brasilien, Br
Sth Africa(Rep Of) 10.5%
Sth Africa(Rep Of) 7.25%
Mexican Fixed Rate Bonds
Italy(Rep Of) 4.75%
1.18
1.17
1.13
1.05
1.01
Sector Weightings
Credit Quality Breakdown 03-31-2012
Regional Exposure
)
*
562 mil
152 mil
91 mil
83 mil
521 mil
Fixed-Income Style
Mod
*
Top Holdings 02-29-2012
Short %
Low
10 Yr
2008
Long %
Med
5 Yr
2007
6.35
5.90
13.29 -1.26
6.32 -6.50
1.83 -11.36
3
52
218
234
Net %
High
3 Yr
(
Portfolio Analysis 03-31-2012
Small
Alpha
Beta
R-Squared
5Q
+Avg
High
&
Asset Allocation %
Mid
MPT Statistics
3Q
+Avg
Avg
&
2002
5 Yr
10 Yr
180 funds 120 funds
3Q
+Avg
Avg
&
4.68
20.52
10.26
-1.47
19
144
Ltd
Standard Deviation
Mean
Sharpe Ratio
&
2001
Risk and Return Profile
Morningstar RatingTM
Morningstar Risk
Morningstar Return
&
4.07
1.76
-6.69
5.29
—
—
Fund Expenses
0.50
0.50
1.44
1.44
Fixed-Income
Bond %
4k
Large
NA
1.00
Morningstar Cat
Investment Style
100k
80k
60k
Total
3 Yr
246 funds
Citi WGBI NonUSD US OE World Bond
USD
5
_
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Category Index
BarCap US Agg
Bond TR USD
—
—
Performance Disclosure
Front-End Load %
Deferred Load %
Standard Index
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
—
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
—
—
—
—
—
—
—
—
j
i
o
p
a
Sensitive
—
—
Communication Services
Energy
Industrials
Technology
—
—
—
—
—
—
—
—
k
s
d
f
Defensive
—
—
Consumer Defensive
Healthcare
Utilities
—
—
—
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
8.0 Years
Worldwide Bond
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
OIBNX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$12,659.17 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Oppenheimer International
Growth N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
3rd Qtr
4th Qtr Total %
2010
2011
2012
3.80 -11.33 15.82
3.22 3.78 -17.89
13.40
—
—
7.36 14.44
4.64 -7.96
— 13.40
Trailing Returns
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
0.12 21.30
0.12
—
1.12 21.30
1 Yr
0.61
0.61
0.61
7.22
7.22
7.22
4.58
4.58
4.58
+/- Std Index
+/- Cat Index
6.89
4.83
4.17
3.56
4.12
2.51
1.52
1.71
—
—
12
31
28
36
No. in Cat
241
210
165
96
7-day Yield
—
% Rank Cat
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Fees and Expenses
Morningstar Analyst RtgTM Overall Morningstar RtgTM
Standard Index
Category Index
11-15-2011 QQQQ
MSCI EAFE NR
USD
MSCI EAFE Growth US OE Foreign Large
NR USD
Growth
Silver
„
5
8
7
7
7
7
7
7
7
7
7
7
88
86
93
98
98
99
95
89
94
90
94
96
40k
20k
10k
NA
1.00
_
)
2001
2002
2003
2004
2005
2006
14.97 10.81
-23.64 -26.86
-2.20 -10.92
0.94 -10.84
—
93
—
214
16.33
52.72
14.14
20.74
1
226
18.89
16.17
-4.08
0.04
47
221
21.40
13.82
0.28
0.54
59
213
27.49
29.10
2.76
6.77
7
243
4Q
-Avg
+Avg
3Q
Avg
Avg
3 Yr
5 Yr
10 Yr
20.04
21.30
1.06
22.24
0.61
0.09
20.37
7.22
0.36
Standard Index
Best Fit Index
MSCI EAFE Growth
NR USD
4.54
0.94
95.05
3.11
1.00
96.46
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
16.07%
2008
2009
2010
24.24
37.43
5.66
8.07
49
266
27.65
14.44
6.69
2.19
43
261
Growth of $10,000
Oppenheimer International
Growth N
15,612
Category Average
13,122
Standard Index
13,741
4.25
0.56
95.17
0.00
0.02
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
17.4
9.7
2.8
10888
1.55
1.51
2.06
0.37
Share Chg
since
02-2012
Y
T
T
Rel
Cat
1.32
1.13
1.32
0.44
Fixed-Income Style
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
*
_
Performance Quartile
(within category)
2011
03-12
History
25.30
-7.96
4.18
4.15
19
251
28.69
13.40
2.54
1.40
—
241
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Share
Amount
Holdings:
125 Total Stocks , 0 Total Fixed-Income,
19% Turnover Ratio
Stock %
Rel Std Index
4.2
79.5
16.3
—
—
—
% Net
Assets
187 mil
47 mil
2 mil
9 mil
6 mil
Oppenheimer Institutional Money Ma
BT Group PLC
Sap AG
Experian PLC
Aalberts Industries NV
3.07
2.61
2.55
2.33
2.00
1 mil
7 mil
10 mil
4 mil
981,241
Nidec Corporation
Bunzl PLC
Ericsson Telephone Company
BG Group PLC
Industria De Diseno Textil SA
1.94
1.79
1.70
1.61
1.48
518,011
12 mil
4 mil
4 mil
13 mil
Roche Holding AG
Filtrona PLC
Hoya Corporation
Temenos Group AG
Icap PLC
1.48
1.39
1.37
1.35
1.34
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
*
Top Holdings 02-29-2012
Low
4Q
-Avg
+Avg
2007
30.64 17.72
12.02 -41.69
0.85
1.69
-4.43
1.01
83
16
220
251
4.25
0.56
95.17
0.00
0.02
Med
10 Yr
96 funds
&
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
High
5 Yr
165 funds
)
Short %
Small
Alpha
Beta
R-Squared
3 Yr
210 funds
&
Long %
Mid
0.69
0.49
1.65
1.65
(
Net %
Ltd
MPT Statistics
*
Portfolio Analysis 03-31-2012
Risk and Return Profile
Standard Deviation
Mean
Sharpe Ratio
&
Asset Allocation %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Equity
Stock %
4k
Large
Front-End Load %
Deferred Load %
Investment Style
100k
80k
60k
Total
Sales Charges
Morningstar RatingTM
Morningstar Risk
Morningstar Return
210 US OE Foreign Large
Growth
Morningstar Cat
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
22.8
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
7.0
12.0
3.8
0.0
—
—
—
—
j
i
o
p
a
Sensitive
55.3
—
Communication Services
Energy
Industrials
Technology
4.4
5.0
30.0
15.8
—
—
—
—
k
s
d
f
Defensive
21.8
—
Consumer Defensive
Healthcare
Utilities
12.5
8.8
0.5
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
16.1 Years
Foreign Stock
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
OIGNX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$6,268.32 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Morningstar Analyst RtgTM Overall Morningstar RtgTM
11-15-2011 QQQ
Neutral
Oppenheimer Main Street Sm
& Mid Cap N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
8.49
6.91
14.29
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
3 Yr
5 Yr
10 Yr
Incept
2.78 29.47
2.78
—
3.78 29.47
1.59
1.59
1.59
7.11
7.11
7.11
7.72
7.72
7.72
+/- Std Index
+/- Cat Index
-4.76
3.96
6.05
2.56
-0.42
-0.54
2.99
0.66
—
—
16
23
57
35
No. in Cat
653
585
493
304
7-day Yield
—
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Fees and Expenses
6
6
6
6
6
9
6
6
6
6
6
95
97
99
99
98
99
99
99
99
99
98
98
NA
1.00
4k
_
(
2001
2002
2003
2004
2005
2006
15.04 12.61
12.65 -16.16
24.53
5.94
10.16
4.33
—
56
—
382
18.41
46.00
17.31
-1.26
32
446
19.84
18.84
7.96
0.51
50
521
20.29
9.61
4.70
5.06
23
563
21.64
14.25
-1.55
-4.12
59
608
(
5 Yr
10 Yr
24.22
29.47
1.19
26.53
1.59
0.15
21.48
7.11
0.34
Standard Index
Best Fit Index
Morningstar Small
Cap TR USD
-1.60
1.35
82.30
-1.87
1.04
95.81
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-1.07%
(
2007
2008
2009
2010
19.24 11.82
-1.86 -38.41
-7.35 -1.41
-0.29 -4.62
50
69
645
670
16.13
36.55
10.09
9.38
23
649
19.82
22.88
7.81
-3.98
75
649
Portfolio Statistics
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
0.00
1.86
1.83
1.69
1.68
1.60
Port
Rel
Avg Index
15.7
8.9
2.0
2254
1.02
0.95
0.90
0.04
Rel
Cat
T
1 mil
4 mil
1 mil
525,953
2 mil
MSCI, Inc.
AES Corp
Old Dominion Freight Lines
PVH Corp
Aruba Networks, Inc.
1.51
1.50
1.42
1.32
1.31
Waste Connections, Inc.
Imax Corporation
Dana Holding Corp
Packaging Corporation of America
Semtech Corporation
1.23
1.20
1.19
1.14
1.12
0.91
0.83
1.08
1.18
T
T
Fixed-Income Style
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Y
1 mil
2 mil
3 mil
1 mil
1 mil
Sector Weightings
Credit Quality Breakdown —
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
History
Questcor Pharmaceuticals, Inc.
HollyFrontier Corp
Oppenheimer Institutional Money Ma
Robert Half International Inc.
Skyworks Solutions, Inc.
100.00
Regional Exposure
03-12
21.99
14.29
1.71
1.86
—
679
2 mil
2 mil
57 mil
2 mil
2 mil
100.00
Ext
2011
19.24
-2.93
-5.04
1.25
46
650
T
Y
Y
T
0.00
0.00
0.00
0.00
0.00
Mod
Performance Quartile
(within category)
Holdings:
464 Total Stocks , 0 Total Fixed-Income,
86% Turnover Ratio
2.08
94.55
3.37
0.00
0.00
Blend Growth
_
*
Share
Amount
2.08
94.55
3.37
0.00
0.00
Value
)
Share Chg
since
02-2012
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Equity Style
&
Top Holdings 02-29-2012
Short %
Low
3 Yr
(
Long %
Med
3Q
+Avg
Avg
(
Net %
5 Yr
10 Yr
493 funds 304 funds
3Q
+Avg
Avg
&
Portfolio Analysis 03-31-2012
High
Alpha
Beta
R-Squared
*
Asset Allocation %
Ltd
4Q
+Avg
+Avg
Oppenheimer Main Street Sm
& Mid Cap N
23,092
Category Average
20,539
Standard Index
13,229
10k
Risk and Return Profile
3 Yr
585 funds
Growth of $10,000
20k
Small
0.62
0.50
1.60
1.60
Equity
Stock %
40k
Mid
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Investment Style
100k
80k
60k
Fund Expenses
MPT Statistics
US OE Small Blend
9
Large
Front-End Load %
Deferred Load %
Standard Deviation
Mean
Sharpe Ratio
Morningstar Cat
Russell 2000 TR
USD
585 US OE Small Blend
Total
Sales Charges
Morningstar RatingTM
Morningstar Risk
Morningstar Return
Category Index
S&P 500 TR
-9.37 9.96 13.65 22.88
0.52 -21.64 15.28 -2.93
—
—
— 14.29
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
Standard Index
Stock %
Rel Std Index
98.7
1.2
0.1
0.99
12.19
—
Stocks %
% Net
Assets
Rel Std Index
h
r
t
y
u
Cyclical
42.1
1.51
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
4.5
17.8
10.8
9.0
1.62
1.86
0.79
4.85
j
i
o
p
a
Sensitive
41.5
0.90
Communication Services
Energy
Industrials
Technology
0.7
5.3
19.9
15.7
0.17
0.47
1.68
0.82
k
s
d
f
Defensive
16.4
0.63
3.0
9.3
4.0
0.27
0.83
1.20
Consumer Defensive
Healthcare
Utilities
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
2.9 Years
Small Company
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
OPMNX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$3,414.83 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012
Oppenheimer Moderate Inv N
(USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3.84
3.35
7.08
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
-5.91 8.77
0.67 -10.00
—
—
5.98 12.63
5.07 -1.61
— 7.08
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQ
839 US OE Moderate
Allocation
Morningstar
Moderate Target
Risk
Morningstar
Moderately Aggr
Target Risk
US OE Moderate
Allocation
0
0
0
0
4
4
4
7
7
4
7
7
—
—
—
—
49
50
52
47
51
53
50
52
100k
80k
60k
40k
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
0.95 16.29
0.95
—
1.94 16.29
-1.89
-1.89
-1.89
—
—
—
1.18
1.18
1.18
+/- Std Index
+/- Cat Index
-2.59
-0.86
-0.21
-3.66
-6.12
-5.08
—
—
—
—
78
62
98
—
_
_
_
_
No. in Cat
969
839
749
—
2001
2002
2003
2004
2005
2006
7-day Yield
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
10.48
—
—
—
—
—
11.23
9.90
-3.05
-6.09
—
—
% Rank Cat
20k
10k
Fees and Expenses
NA
1.00
0.00
0.00
0.01
0.02
0.15
100.00
100.19
0.19
Equity Style
Value
Portfolio Statistics
Blend Growth
Mod
Ext
10 Yr
11.14
16.29
1.41
16.24
-1.89
-0.10
—
—
—
Standard Index
Best Fit Index
Morningstar
Moderate Target
Risk
-0.67
1.03
98.99
-0.67
1.03
98.99
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-19.89%
Port
Rel
Avg Index
14.7
8.8
2.1
20893
1.07
1.09
1.15
0.92
Rel
Cat
1.03
1.02
1.10
0.57
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
4.19
4.98
98.23
Low
5 Yr
Med
Alpha
Beta
R-Squared
3 Yr
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Fixed-Income Style
High
MPT Statistics
—
—
—
Growth of $10,000
Oppenheimer Moderate Inv N
10,966
Category Average
13,631
Standard Index
15,445
Bond %
AAA
AA
A
54.79
6.24
7.75
BBB
BB
B
13.76
6.39
5.30
Below B
NR/NA
Americas
Greater Europe
Greater Asia
(
_
Performance Quartile
(within category)
2010
2011
03-12
History
8.65
12.63
0.29
-2.30
36
1074
8.33
-1.61
-2.20
0.32
68
963
8.92
7.08
-0.87
-3.06
—
1021
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
*
Share Chg
since
02-2012
Share
Amount
Holdings:
1,055 Total Stocks , 1,488 Total Fixed-Income,
12% Turnover Ratio
% Net
Assets
Y
T
Y
Y
T
8 mil
24 mil
3 mil
12 mil
13 mil
Oppenheimer Value Y
Oppenheimer Core Bond Y
Oppenheimer Capital Appreciation Y
Oppenheimer Limited-Term Governmen
Oppenheimer International Bond Y
18.58
16.24
13.59
10.83
8.10
Y
Y
Y
Y
Y
2 mil
2 mil
11 mil
2 mil
2 mil
Oppenheimer International Growth Y
Oppenheimer Main Street Sm & Mid C
Oppenheimer Commodity Strat Total
Oppenheimer Quest International Va
Mstr Infl Pro Feeder 545
6.69
5.32
4.09
3.01
2.88
T
Y
Y
Y
Y
15 mil
26 mil
1 mil
544,504
249,009
Oppenheimer Champion Income Y
Oppenheimer Institutional Money Ma
Oppenheimer Real Estate Y
Oppenheimer Developing Markets Y
Oppenheimer Gold & Special Mineral
2.63
2.58
2.12
1.80
0.94
Sector Weightings
Credit Quality Breakdown 12-31-2011
Regional Exposure
(
Top Holdings 02-29-2012
11.41
37.38
15.22
32.49
3.69
Small
Standard Deviation
Mean
Sharpe Ratio
1Q
High
Low
2009
7.82
21.62
-0.16
-5.94
66
1177
11.40
37.38
15.21
32.47
3.54
5 Yr
10 Yr
749 funds 404 funds
3Q
Avg
Avg
2008
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
2007
11.36
6.43
5.79 -39.25
-2.84 -17.06
-3.14 -8.60
53
96
1103 1206
Short %
Risk and Return Profile
3 Yr
839 funds
)
Long %
Mid
NA
0.50
1.38
1.38
(
Net %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
_
Portfolio Analysis 03-31-2012
Large
Front-End Load %
Deferred Load %
_
Asset Allocation %
Total
Sales Charges
Equity
Stock %
4k
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Investment Style
3.36
2.41
Stock %
Rel Std Index
76.2
18.7
5.1
1.03
1.32
0.42
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
34.4
0.96
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
4.8
12.2
11.8
5.5
0.74
1.20
0.76
1.54
j
i
o
p
a
Sensitive
42.0
1.01
Communication Services
Energy
Industrials
Technology
2.5
9.0
15.2
15.4
0.53
0.82
1.20
1.15
k
s
d
f
Defensive
23.6
1.04
Consumer Defensive
Healthcare
Utilities
10.5
10.1
3.0
1.16
1.08
0.71
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
3.2 Years
Asset Allocation
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ONMIX
$1,000
$500
$500
A
Incept:
Type:
Total Assets:
04-05-2005
MF
$1,018.16 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Oppenheimer Rising
Dividends N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
3.96 -10.98 10.46 10.31 12.76
5.34 1.47 -14.22 11.30 2.04
11.68
—
—
— 11.68
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
7.19 18.94
7.19
—
8.19 18.94
2.36
2.36
2.36
5.04
5.04
5.04
4.13
4.13
4.13
+/- Std Index
+/- Cat Index
-0.35
0.32
-4.47
-5.09
0.35
0.17
0.92
0.51
—
—
22
87
21
13
1778
1578
1387
843
% Rank Cat
No. in Cat
7-day Yield
—
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Fees and Expenses
NA
1.00
4
4
1
4
7
4
7
7
88
95
92
93
99
97
97
97
99
97
98
99
4k
_
_
2001
2002
2003
2004
2005
2006
18.63 15.07
-8.04 -19.11
3.85
2.99
4.41
2.54
—
—
—
—
19.08
26.66
-2.03
-3.24
—
—
21.27
12.27
1.39
0.87
—
—
18.24
5.63
0.72
-0.63
—
—
19.02
15.63
-0.16
0.17
—
—
_
10 Yr
15.38
18.94
1.20
17.37
2.36
0.16
14.86
5.04
0.28
Standard Index
Best Fit Index
Morningstar Large
Cap TR USD
-2.31
0.93
96.21
-1.99
0.96
97.42
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
12.35%
_
&
&
)
2007
2008
2009
2010
17.62 11.90 13.79
12.42 -31.47 18.28
6.92
5.53 -8.19
6.64
6.13 -10.16
10
9
94
2090 2086 2027
15.43
12.76
-2.30
-3.34
68
2010
Portfolio Analysis 03-31-2012
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
0.63
90.56
8.82
0.00
-0.01
0.63
90.56
8.82
0.00
0.00
0.00
0.00
0.00
0.00
0.01
100.00
100.01
0.01
Equity Style
Value
Portfolio Statistics
Blend Growth
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
15.6
10.7
2.7
63582
1.01
1.14
1.20
1.14
Rel
Cat
1.10
1.14
1.19
0.90
Fixed-Income Style
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
_
Performance Quartile
(within category)
2011
03-12
History
15.60
2.04
-0.07
0.54
17
1786
17.38
11.68
-0.90
-1.22
—
1888
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Share Chg
since
02-2012
Share
Amount
Holdings:
81 Total Stocks , 0 Total Fixed-Income,
36% Turnover Ratio
Stock %
Rel Std Index
91.1
7.1
1.8
0.91
73.29
—
% Net
Assets
Y
Y
Y
T
Y
3 mil
1 mil
2 mil
456,760
4 mil
Microsoft Corporation
Qualcomm, Inc.
JPMorgan Chase & Co
International Business Machines Co
Cisco Systems Inc
2.29
2.28
2.27
2.21
2.19
T
T
T
T
Y
1 mil
754,360
3 mil
4 mil
3 mil
Royal Dutch Shell PLC ADR
Chevron Corp
Wells Fargo & Co
Pfizer Inc
Oracle Corporation
2.19
2.02
2.00
1.96
1.94
Y
Y
Y
Y
T
2 mil
888,208
859,191
5 mil
664,520
Bristol-Myers Squibb Company
Philip Morris International, Inc.
United Technologies Corp
Taiwan Semiconductor Manufacturing
Occidental Petroleum Corporation
1.91
1.82
1.77
1.74
1.71
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
(
Top Holdings 02-29-2012
Net %
Low
5 Yr
_
Asset Allocation %
Med
Alpha
Beta
R-Squared
_
High
MPT Statistics
3 Yr
Oppenheimer Rising
Dividends N
15,130
Category Average
12,053
Standard Index
13,229
10k
Small
Standard Deviation
Mean
Sharpe Ratio
5Q
-Avg
+Avg
Growth of $10,000
20k
3 Yr
5 Yr
10 Yr
1578 funds 1387 funds 843 funds
4Q
Low
+Avg
Equity
Stock %
40k
Ltd
2Q
-Avg
-Avg
Investment Style
100k
80k
60k
Risk and Return Profile
Morningstar RatingTM
Morningstar Risk
Morningstar Return
US OE Large Blend
1
Mid
0.60
0.50
1.43
1.43
Morningstar Cat
Russell 1000 TR
USD
1
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Category Index
S&P 500 TR
1
Large
Front-End Load %
Deferred Load %
Standard Index
QQQQ
1,578 US OE Large Blend
1
Total
Sales Charges
Overall Morningstar RtgTM
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
27.0
0.96
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
2.5
8.6
15.9
0.0
0.88
0.90
1.16
0.00
j
i
o
p
a
Sensitive
50.4
1.09
Communication Services
Energy
Industrials
Technology
2.8
10.5
13.4
23.6
0.68
0.94
1.14
1.24
k
s
d
f
Defensive
22.6
0.87
Consumer Defensive
Healthcare
Utilities
9.2
12.0
1.5
0.81
1.07
0.45
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Multiple
4.7 Years
Growth
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
ONRDX
$500,000
$500,000
$500,000
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$4,205.26 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Oppenheimer Value N (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
4.83 -12.71 11.19 12.35 14.32
5.83 -0.18 -18.19 9.84 -5.07
10.22
—
—
— 10.22
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
-2.11 19.39
-2.11
—
-1.13 19.39
-1.16
-1.16
-1.16
4.38
4.38
4.38
3.99
3.99
3.99
+/- Std Index
+/- Cat Index
-9.67
-5.92
-4.03
-3.43
-3.18
-0.36
0.26
-0.20
—
—
92
76
66
41
1244
1098
973
570
% Rank Cat
No. in Cat
7-day Yield
—
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-5677 or visit
www.oppenheimerfunds.com.
Fees and Expenses
NA
1.00
1
4
4
1
4
1
1
1
1
88
89
98
95
95
95
97
99
98
98
95
96
4k
_
&
2001
2002
2003
2004
2005
2006
17.61 15.22
2.61 -13.31
14.50
8.79
8.20
2.22
—
12
—
961
19.99
31.82
3.13
1.79
20
1050
22.70
14.85
3.96
-1.65
25
1220
22.96
6.14
1.23
-0.91
43
1296
25.50
15.33
-0.47
-6.92
84
1371
3 Yr
5 Yr
10 Yr
17.67
19.39
1.09
20.51
-1.16
0.00
16.77
4.38
0.23
Standard Index
Best Fit Index
Russell 1000 Value
TR USD
-4.68
1.07
96.41
-3.07
1.01
96.78
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
-23.44%
)
&
)
2007
2008
2009
2010
24.96 14.28
5.94 -41.93
0.44 -4.93
6.11 -5.08
19
87
1432 1433
18.84
33.61
7.15
13.92
11
1272
21.44
14.32
-0.75
-1.19
36
1240
Long %
Short %
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
4.47
91.56
3.97
0.00
0.00
4.47
91.56
3.97
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
11.7
7.1
1.5
35842
0.76
0.76
0.67
0.64
Rel
Cat
0.85
0.90
0.85
0.60
Fixed-Income Style
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
*
_
Performance Quartile
(within category)
2011
03-12
History
20.16
-5.07
-7.18
-5.46
80
1258
22.22
10.22
-2.37
-0.90
—
1315
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
)
Share Chg
since
02-2012
Share
Amount
Holdings:
55 Total Stocks , 0 Total Fixed-Income,
91% Turnover Ratio
Stock %
Rel Std Index
96.9
3.1
0.0
0.97
31.91
—
% Net
Assets
T
T
T
T
T
1 mil
3 mil
776,328
3 mil
1 mil
Chevron Corp
Wells Fargo & Co
Goldman Sachs Group Inc
U.S. Bancorp
Coca-Cola Co
5.73
3.97
3.71
3.55
3.15
T
Y
T
T
T
2 mil
64 mil
1 mil
681,294
1 mil
Medtronic, Inc.
Oppenheimer Institutional Money Ma
UnitedHealth Group Inc
Exxon Mobil Corporation
JPMorgan Chase & Co
2.77
2.68
2.66
2.45
2.43
T
T
T
T
T
1 mil
986,440
751,195
1 mil
2 mil
Church & Dwight Company, Inc.
Target Corp
ACE Ltd
Tyco International Ltd
Citigroup Inc
2.39
2.32
2.24
2.16
2.16
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
&
Top Holdings 02-29-2012
Net %
Low
3Q
Avg
Avg
*
Portfolio Analysis 03-31-2012
Med
Alpha
Beta
R-Squared
*
Asset Allocation %
High
MPT Statistics
&
Small
Standard Deviation
Mean
Sharpe Ratio
3Q
+Avg
Avg
Oppenheimer Value N
16,207
Category Average
13,826
Standard Index
13,229
10k
5 Yr
10 Yr
973 funds 570 funds
2Q
Avg
-Avg
Growth of $10,000
20k
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
Equity
Stock %
40k
Risk and Return Profile
3 Yr
1098 funds
Morningstar Cat
Investment Style
100k
80k
60k
Mid
0.47
0.49
1.30
1.30
Russell 1000 Value US OE Large Value
TR USD
1
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Category Index
S&P 500 TR
4
Large
Front-End Load %
Deferred Load %
Standard Index
QQQ
1,098 US OE Large Value
1
Total
Sales Charges
Overall Morningstar RtgTM
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
33.1
1.18
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
2.1
7.3
23.7
0.0
0.76
0.76
1.73
0.00
j
i
o
p
a
Sensitive
35.8
0.78
Communication Services
Energy
Industrials
Technology
2.9
12.6
11.3
9.0
0.70
1.13
0.96
0.47
k
s
d
f
Defensive
31.1
1.20
Consumer Defensive
Healthcare
Utilities
11.2
12.7
7.2
0.99
1.13
2.18
Operations
Family:
Manager:
Tenure:
Objective:
Base Currency:
OppenheimerFunds
Mitch Williams
3.3 Years
Growth
USD
Ticker:
Minimum Initial Purchase:
Min Auto Investment Plan:
Minimum IRA Purchase:
Purchase Constraints:
CGRNX
$500,000
$500,000
$500,000
A
Incept:
Type:
Total Assets:
03-01-2001
MF
$2,427.06 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
PIMCO Total Return R (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
2.80
0.94
2.72
Trailing Returns
2.58
1.70
—
3rd Qtr
4th Qtr Total %
3.64
-1.22
—
-1.10
2.06
—
8.09
3.49
2.72
Morningstar Analyst RtgTM Overall Morningstar RtgTM
Standard Index
Category Index
04-17-2012 QQQQ
BarCap US Agg
Bond TR USD
BarCap US
US OE IntermediateGovt/Credit 5-10 Yr Term Bond
TR USD
Gold
Œ
1,013 US OE IntermediateTerm Bond
5
5
5
5
4
5
8
5
5
0
0
0
78
75
52
40
44
71
13
52
50
55
63
—
40k
1 Yr
3 Yr
5 Yr
10 Yr
Incept
5.31
5.31
5.31
8.63
—
8.63
7.60
7.60
7.60
—
—
6.29
5.83
5.83
5.83
+/- Std Index
+/- Cat Index
-2.40
-5.76
1.80
-0.93
1.35
-0.05
0.49
-0.72
—
—
85
61
9
17
_
1179
1013
869
589
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
—
8.80
0.36
-0.02
—
—
10.67
9.50
-0.76
-3.53
—
—
10.71
4.79
0.68
-1.18
40
952
10.67
4.39
0.05
-0.91
30
1035
10.50
2.15
-0.28
0.32
30
1043
10.38
3.25
-1.09
-0.56
84
1092
10.69
8.30
1.34
0.75
3
1097
10.14
4.07
-1.17
-0.99
16
1135
10.80
13.05
7.12
6.55
50
1123
10.85
8.09
1.55
-1.33
36
1164
% Rank Cat
No. in Cat
7-day Yield
—
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-426-0107 or visit www.pimcofunds.com.
Fees and Expenses
Sales Charges
NA
NA
20k
10k
_
Short %
93.37
0.00
0.00
163.06
3.99
146.08
0.00
0.00
9.14
5.20
Total
100.00
260.42
160.42
Equity Style
Value
Blend Growth
Mod
Ext
10 Yr
3.72
8.63
2.23
4.44
7.60
1.43
4.10
6.29
1.04
Standard Index
Best Fit Index
BarCap US Credit TR
USD
2.77
0.84
37.13
0.27
0.69
70.58
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
3.23%
2.34%
3.83%
Port
Rel
Avg Index
Rel
Cat
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
—
—
—
—
—
—
—
—
—
—
—
—
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
8.93
7.02
4.16
—
Low
5 Yr
Med
Alpha
Beta
R-Squared
3 Yr
Portfolio Statistics
Fixed-Income Style
High
MPT Statistics
4W
Avg
+Avg
&
Long %
Small
Standard Deviation
Mean
Sharpe Ratio
5Q
Avg
High
)
Net %
5 Yr
10 Yr
869 funds 589 funds
3Q
+Avg
Avg
*
-52.71
0.00
0.00
153.92
-1.21
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
*
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Risk and Return Profile
3 Yr
1013 funds
Growth of $10,000
PIMCO Total Return R
20,122
Category Average
17,534
Standard Index
19,073
&
(
*
_
Performance Quartile
(within category)
2011
03-12
History
10.87
3.49
-4.35
-7.30
91
1195
11.09
2.72
2.41
2.00
—
1223
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
)
Portfolio Analysis 12-31-2011
Mid
0.60
0.50
1.10
1.10
*
Asset Allocation %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Fixed-Income
Bond %
4k
Large
Front-End Load %
Deferred Load %
Investment Style
100k
80k
60k
Load-adj Mthly
Std 03-31-2012
Total Return
Morningstar Cat
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
Share
Amount
R
R
R
R
19,284 mil
17,889 mil
1,722 mil
13,122 mil
10,464 mil
R
Holdings:
0 Total Stocks , 12,601 Total Fixed-Income,
430% Turnover Ratio
Stock %
Rel Std Index
—
—
—
—
—
—
% Net
Assets
FNMA 4.5% TBA
FNMA 4% TBA
PIMCO Short-Term Floating NAV Fund
Fin Fut Us 5yr Cbt 03/30/12
Ois Usd R Fedl01/0.50 09/19/12 Myc
8.41
7.70
7.06
6.63
4.30
T
T
6,973 mil
7,000 mil
6,361 mil
4,950 mil
5,282 mil
Irs Usd 3ml/4.25 06/15/11 Cme
Ois Usd R Fedl01/0.50 09/19/12 Fbf
Ois Usd R Fedl01/1.00 09/19/12 Bps
US Treasury Note 3.625%
US Treasury Note
-3.88
2.88
2.64
2.35
2.32
R
R
R
R
T
5,651 mil
4,046 mil
4,121 mil
3,600 mil
9 mil
Cdx Ig17 5y Cme
Irs Eur 6me/3.0 03/21/12 Cme
Irs Eur 6me/2.75 03/21/12 Cme
Irs Eur 6me/2.0 12/18/13 Cme
BRAZIL NTN-F
-2.29
2.27
2.26
1.92
1.83
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
Share Chg
since
09-2011
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
—
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
—
—
—
—
—
—
—
—
j
i
o
p
a
Sensitive
—
—
Communication Services
Energy
Industrials
Technology
—
—
—
—
—
—
—
—
k
s
d
f
Defensive
—
—
Consumer Defensive
Healthcare
Utilities
—
—
—
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
PIMCO
William Gross
24.9 Years
Corporate Bond - General
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
PTRRX
$0
A
Incept:
Type:
Total Assets:
12-31-2002
MF
$252,463.10 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Prudential Jennison Mid Cap
Growth R (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
6.32
7.65
14.25
Trailing Returns
1 Yr
3rd Qtr
4th Qtr Total %
Overall Morningstar RtgTM
Standard Index
Category Index
Morningstar Cat
QQQQ
662 US OE Mid-Cap Growth
S&P 500 TR
Russell Mid Cap
Growth TR USD
US OE Mid-Cap
Growth
8
8
8
8
8
8
8
8
8
8
8
8
100
99
100
100
96
96
95
97
96
98
97
96
-7.99 10.44 10.81 19.73
1.48 -15.62 10.58 1.92
—
—
— 14.25
100k
80k
60k
40k
3 Yr
5 Yr
10 Yr
Incept
Load-adj Mthly
Std 03-31-2012
Total Return
8.17 25.85
8.17
—
8.17 25.85
6.84
6.84
6.84
—
—
8.32
9.45
9.45
9.45
+/- Std Index
+/- Cat Index
-0.37
3.74
2.43
-3.31
4.83
2.40
4.20
1.40
—
—
9
54
17
12
_
_
_
_
No. in Cat
748
662
595
424
2001
2002
2003
2004
2005
2006
7-day Yield
—
—
—
-20.65 -33.81
-8.76 -11.71
-0.50 -6.40
—
—
—
—
—
42.47
13.79
-0.24
—
—
—
18.78
7.90
3.30
—
—
20.02
16.74
11.83
4.65
—
—
21.86
9.19
-6.60
-1.47
45
994
% Rank Cat
Performance Disclosure
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-225-1852 or visit
www.prudentialfunds.com.
Fees and Expenses
20k
10k
NA
NA
100.00
100.00
0.00
Equity Style
Value
Portfolio Statistics
Blend Growth
10 Yr
16.58
25.85
1.47
19.47
6.84
0.38
18.74
8.32
0.42
Standard Index
Best Fit Index
Russell Mid Cap
Growth TR USD
2.80
0.97
89.39
1.60
0.83
97.06
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
—
—
23.25%
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Port
Rel
Avg Index
22.6
13.4
3.4
8349
1.46
1.42
1.49
0.15
Rel
Cat
1.13
1.01
1.12
1.23
Fixed-Income Style
Mod
Ext
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
—
—
—
—
Low
5 Yr
Growth of $10,000
Prudential Jennison Mid Cap
Growth R
16,345
Category Average
13,016
Standard Index
13,229
Bond %
AAA
AA
A
—
—
—
BBB
BB
B
—
—
—
Below B
NR/NA
—
—
Americas
Greater Europe
Greater Asia
)
_
Performance Quartile
(within category)
2011
03-12
History
27.44
1.92
-0.20
3.57
14
751
31.35
14.25
1.66
-0.27
—
768
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Share Chg
since
01-2012
Share
Amount
Holdings:
92 Total Stocks , 0 Total Fixed-Income,
45% Turnover Ratio
% Net
Assets
T
T
T
T
Y
177 mil
2 mil
2 mil
981,508
1 mil
Prudential Core Invt
Crown Castle International Corp
VeriSign, Inc.
Dollar Tree Stores, Inc.
Ecolab, Inc.
4.49
2.41
2.16
2.11
1.81
T
T
T
T
T
862,765
740,414
4 mil
1 mil
1 mil
DaVita Inc
Roper Industries, Inc.
Annaly Capital Management, Inc.
Tim Hortons, Inc.
Bed Bath & Beyond, Inc.
1.79
1.75
1.74
1.72
1.71
Y
T
T
T
T
1 mil
828,832
3 mil
645,491
869,791
Ross Stores, Inc.
PVH Corp
Denbury Resources Inc
Perrigo Company
Henry Schein, Inc.
1.67
1.62
1.62
1.56
1.56
Sector Weightings
Credit Quality Breakdown —
Regional Exposure
*
Top Holdings 01-31-2012
0.00
0.00
0.00
0.00
0.00
Med
Alpha
Beta
R-Squared
3 Yr
2010
27.07
19.73
4.66
-6.66
81
759
4.02
90.54
5.43
0.00
0.00
High
MPT Statistics
4W
Avg
+Avg
2009
22.61
40.33
13.86
-5.96
49
812
4.02
90.54
5.43
0.00
0.00
Small
Standard Deviation
Mean
Sharpe Ratio
5Q
Low
+Avg
2008
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
5 Yr
10 Yr
595 funds 424 funds
3Q
Low
Avg
2007
25.32 16.12
15.83 -36.33
10.33
0.66
4.40
7.99
45
10
967
934
Short %
Ltd
Morningstar RatingTM
Morningstar Risk
Morningstar Return
&
Long %
Risk and Return Profile
3 Yr
662 funds
*
Net %
Mid
0.57
0.75
1.54
1.54
*
Portfolio Analysis 02-29-2012
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
_
Asset Allocation %
Large
Front-End Load %
Deferred Load %
Equity
Stock %
4k
Total
Sales Charges
Investment Style
Stock %
Rel Std Index
99.0
1.0
0.0
0.99
10.64
—
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
27.3
0.97
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
6.1
16.3
3.1
1.7
2.19
1.71
0.22
0.94
j
i
o
p
a
Sensitive
51.5
1.11
Communication Services
Energy
Industrials
Technology
5.6
9.3
13.3
23.3
1.35
0.83
1.13
1.22
k
s
d
f
Defensive
21.3
0.82
Consumer Defensive
Healthcare
Utilities
7.6
13.7
0.0
0.67
1.22
0.00
Operations
Family:
Manager:
Tenure:
Objective:
Prudential Investments
John Mullman
6.7 Years
Growth
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
JDERX
$0
A
Incept:
Type:
Total Assets:
06-03-2005
MF
$4,684.71 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
Release date 03-31-2012 | Note: Portions of the analysis are based on pre-inception returns. Please read disclosure for more information.
Overall Morningstar RtgTM
Thornburg Limited-Term US
Govt R3 (USD)
Performance 03-31-2012
Quarterly Returns
1st Qtr 2nd Qtr
2010
2011
2012
1.04
0.39
0.34
Trailing Returns
3rd Qtr
2.22
1.83
—
4th Qtr Total %
1.00
1.17
—
-0.83
0.26
—
3.44
3.70
0.34
Standard Index
QQQQQ
BarCap US Agg
135 US OE Short Government Bond TR USD
4
1
1
1
1
1
1
1
1
1
1
100
100
89
82
81
73
83
86
87
92
89
89
3 Yr
5 Yr
10 Yr
Incept
3.31
—
3.31
4.68
4.68
4.68
—
—
4.26
3.47
3.47
3.47
+/- Std Index
+/- Cat Index
-4.07
0.60
-3.52
0.85
-1.57
0.25
-1.53
0.21
—
—
18
22
15
13
_
_
No. in Cat
151
135
125
107
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
7-day Yield
—
—
6.90
-1.54
-1.74
—
—
—
10.11
-0.14
2.42
—
—
13.12
2.77
-1.33
0.61
—
—
12.93
1.26
-3.08
-0.28
—
—
12.73
1.11
-1.32
-0.37
—
—
12.77
3.31
-1.03
-0.71
74
179
13.19
6.78
-0.18
-1.04
19
151
13.65
6.64
1.40
-1.77
28
150
13.65
3.81
-2.12
2.82
38
158
13.72
3.44
-3.10
-0.13
32
154
The Overall Morningstar Rating is based on risk-adjusted returns,
derived from a weighted average of the three-, five-, and 10-year
(if applicable) Morningstar metrics.
The performance data quoted represents past performance and
does not guarantee future results. The investment return and
principal value of an investment will fluctuate; thus an investor's
shares, when sold or redeemed, may be worth more or less than
their original cost.
Current performance may be lower or higher than return data
quoted herein. For performance data current to the most recent
month-end, please call 800-847-0200 or visit
www.thornburg.com.
Fees and Expenses
NA
NA
4k
Long %
Short %
10.85
0.00
0.00
89.15
0.00
0.00
0.00
0.00
0.00
0.00
100.00
100.00
Equity Style
Value
Blend Growth
Mod
Ext
High
12-Month Yield
30-day SEC Yield
Potential Cap Gains Exp
3 Yr
5 Yr
10 Yr
1.82
3.31
1.74
2.57
4.68
1.40
2.85
4.26
0.82
Standard Index
Best Fit Index
BarCap Government
1-5 Yr TR USD
-0.60
0.58
72.50
0.69
1.06
89.37
2.57%
1.40%
1.81%
*
*
_
Performance Quartile
(within category)
2011
03-12
History
13.85
3.70
-4.15
0.49
14
150
13.82
0.34
0.04
0.45
—
154
NAV/Price
Total Return %
+/- Standard Index
+/- Category Index
% Rank Cat
No. of Funds in Cat
&
Y
5 mil
5 mil
5 mil
5 mil
5 mil
GNMA 5.585%
Small Bus Admin Gtd Dev Ptc 5.87%
FHLMC 4.5%
US Treasury Note 1.875%
FNMA 3.5%
1.36
1.29
1.29
1.21
1.19
4 mil
4 mil
4 mil
4 mil
4 mil
GNMA 5.156%
US Treasury Note 4.625%
GNMA 5.044%
FNMA CMO 3.5%
Small Bus Admin Gtd Dev Ptc 6.35%
1.15
1.10
1.08
1.07
1.06
Rel
Cat
—
—
—
—
—
—
—
—
Y
Y
T
3.34
2.65
4.52
108.17
T
Y
Sector Weightings
Credit Quality Breakdown 06-30-2011
Bond %
AAA
AA
A
100.00
0.00
0.00
BBB
BB
B
0.00
0.00
0.00
Below B
NR/NA
0.00
0.00
Americas
Greater Europe
Greater Asia
% Net
Assets
0.00
Port
Rel
Avg Index
Regional Exposure
Holdings:
0 Total Stocks , 179 Total Fixed-Income,
15% Turnover Ratio
1.77
1.50
1.48
1.44
1.37
P/E Ratio TTM
P/C Ratio TTM
P/B Ratio TTM
Geo Avg Mkt Cap
$mil
Avg Eff Maturity
Avg Eff Duration
Avg Wtd Coupon
Avg Wtd Price
Share
Amount
FNMA CMO 3%
US Treasury Note 2%
GNMA 4.307%
GNMA 5%
US Treasury Note 4.875%
Portfolio Statistics
—
—
—
—
Share Chg
since
01-2012
7 mil
6 mil
6 mil
5 mil
5 mil
Low
Alpha
Beta
R-Squared
4W
+Avg
+Avg
Med
MPT Statistics
5Q
+Avg
High
*
Y
Y
T
T
Fixed-Income Style
5 Yr
10 Yr
125 funds 107 funds
4Q
+Avg
+Avg
&
Net %
Small
3 Yr
135 funds
(
10.85
0.00
0.00
89.15
0.00
Mid
0.38
0.50
1.31
1.31
_
Cash
US Stocks
Non-US Stocks
Bonds
Other/Not Clsfd
Ltd
Standard Deviation
Mean
Sharpe Ratio
_
Portfolio Analysis 02-29-2012
Risk and Return Profile
Morningstar RatingTM
Morningstar Risk
Morningstar Return
_
Asset Allocation %
Fund Expenses
Management Fees %
12b1 Expense %
Gross Expense Ratio %
Prospectus Gross Expense Ratio %
Thornburg Limited-Term US
Govt R3
16,280
Category Average
14,869
Standard Index
19,073
10k
Large
Front-End Load %
Deferred Load %
Growth of $10,000
20k
Total
Sales Charges
Fixed-Income
Bond %
40k
1 Yr
Performance Disclosure
Investment Style
100k
80k
60k
3.64
3.64
3.64
Morningstar Cat
BarCap
US OE Short
Government 1-5 Yr Government
TR USD
4
Load-adj Mthly
Std 03-31-2012
Total Return
% Rank Cat
Category Index
Stock %
Rel Std Index
—
—
—
—
—
—
Stocks %
Rel Std Index
h
r
t
y
u
Cyclical
—
—
Basic Materials
Consumer Cyclical
Financial Services
Real Estate
—
—
—
—
—
—
—
—
j
i
o
p
a
Sensitive
—
—
Communication Services
Energy
Industrials
Technology
—
—
—
—
—
—
—
—
k
s
d
f
Defensive
—
—
Consumer Defensive
Healthcare
Utilities
—
—
—
—
—
—
Operations
Family:
Manager:
Tenure:
Objective:
Thornburg
Jason Brady
5.2 Years
Government Bond - General
Base Currency:
Ticker:
Minimum Initial Purchase:
Purchase Constraints:
USD
LTURX
$0
A
Incept:
Type:
Total Assets:
07-01-2003
MF
$430.86 mil
©2012 Morningstar. All Rights Reserved. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of Morningstar, (2) may include, or be derived from, account
information provided by your financial advisor which cannot be verified by Morningstar, (3) may not be copied or redistributed, (4) do not constitute investment advice offered by Morningstar, (5) are provided solely for
informational purposes and therefore are not an offer to buy or sell a security, and (6) are not warranted to be correct, complete or accurate. Except as otherwise required by law, Morningstar shall not be responsible for any
trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use. This report is supplemental sales literature. If applicable it must be preceded or accompanied
by a prospectus, or equivalent, and disclosure statement.
®
ß
RCDOB | Release Date 4/23/2012 | 1 of 1
Name
American Funds Capital World G/I R3
Calvert Equity A
JPMorgan Market Expansion Index R2
Lord Abbett Developing Growth R3
Lord Abbett Mid Cap Stock R3
MFS Massachusetts Investors Gr Stk R2
Oppenheimer Active Allc N
Oppenheimer Conservative Inv N
Oppenheimer Developing Markets N
Oppenheimer Equity Inv N
Oppenheimer Fxd Inc Active Allc N
Oppenheimer International Bond N
Oppenheimer International Growth N
Oppenheimer Main Street Sm & Mid Cap N
Oppenheimer Moderate Inv N
Oppenheimer Rising Dividends N
Oppenheimer Value N
PIMCO Total Return R
Prudential Jennison Mid Cap Growth R
Thornburg Limited-Term US Govt R3
Ticker
RWICX
CSIEX
JMEZX
LADRX
LMCRX
MIRGX
OAANX
ONCIX
ODVNX
ONAIX
ONFAX
OIBNX
OIGNX
OPMNX
ONMIX
ONRDX
CGRNX
PTRRX
JDERX
LTURX
Total
Ret
YTD
11.13
15.54
12.74
12.15
11.38
14.47
9.05
4.82
14.74
12.44
2.49
2.87
13.40
14.29
7.08
11.68
10.22
2.72
14.25
0.34
Total
Ret 1
Yr
-1.07
5.64
0.92
-0.08
-1.07
11.73
-0.40
2.80
-5.61
-0.89
5.31
1.41
1.12
3.78
1.94
8.19
-1.13
5.31
8.17
3.64
Total
Ret 3
Yr
17.47
23.63
27.43
31.07
24.56
24.21
18.18
13.55
29.13
21.89
12.31
9.03
21.30
29.47
16.29
18.94
19.39
8.63
25.85
3.31
Total
Ret 5
Yr
0.38
4.74
2.76
8.42
-0.40
5.37
-1.76
-2.48
7.81
0.57
Total
Ret 10
Yr
7.70
4.59
6.68
7.42
5.09
3.48
6.14
0.61
1.59
-1.89
2.36
-1.16
7.60
6.84
4.68
10.09
7.22
7.11
17.20
5.04
4.38
6.29
8.32
4.26
Total
Ret
Inception
Incept
Date
Morningstar Category
7.98
6/6/2002
World Stock
7.60
8/24/1987
Large Growth
17.03
11/3/2008
Mid-Cap Blend
4.16
9/28/2007
Small Growth
4.29
3/31/2008
Mid-Cap Value
5.80
10/31/2003
Large Growth
2.07
4/5/2005
Aggressive Allocation
0.26
4/5/2005
Conservative Allocation
15.44
3/1/2001 Diversified Emerging Mkts
4.25
4/5/2005
Large Blend
-0.96 12/19/2007 Intermediate-Term Bond
9.43
3/1/2001
World Bond
4.58
3/1/2001
Foreign Large Growth
7.72
3/1/2001
Small Blend
1.18
4/5/2005
Moderate Allocation
4.13
3/1/2001
Large Blend
3.99
3/1/2001
Large Value
5.83
12/31/2002 Intermediate-Term Bond
9.45
6/3/2005
Mid-Cap Growth
3.47
7/1/2003
Short Government
* All performance data supplied by Morningstar, Inc. as of 03-31-2012.
Total returns on alternate share classes for periods prior to inception are based on the Fund's Class A returns, adjusted to reflect the alternate share class fees.
Morningstar, Inc. and BCG does not guarantee completeness and accuracy. If used as supplemental sales literature, this information must be accompanied by a
prospectus and disclosure at time of sale. The investment return and principal value of an investment will fluctuate; and that an investor's shares, when redeemed,
may be worth more or less than their original cost. Performance data quoted represents past performance and is not a guarantee of future results.
Securities products and services are offered by BCG Securities, Inc., a member firm of FINRA & SIPC.
ß©2012 Morningstar.All Rights Reserved. All Data and information is gathered from accurate sources but is not warranted to be correct, complete, or accurate.
Participant Enrollment/Investment Election Form
Diocese of Brooklyn 403(b) Plan
PARTICIPANT INFORMATION
(Please Print Information
Clearly)
Employee Name:
Date of Birth:
Street:
City:
Social Security Number:
State:
Date of Hire:
/
/
/
/
Zip:
Married:
Single:
CONTRIBUTION ELECTION
Elective Deferrals
I elect to participate and contribute
% or $
of compensation
accounts - pre-tax and Roth after-tax contributions: $17,000)
per pay period on a pre-tax basis. (Maximum for all
I elect to participate and contribute
% or $
of compensation
accounts - pre-tax and Roth after-tax contributions: $17,000)
per pay period to a Roth account . (Maximum for all
I elect not to make elective deferrals until further notice. I understand
must wait until the next available enrollment date.
that if I do not participate now, or discontinue
participation,
I
Catch-up Contributions
NOTE: If you will be 50 years old or older as of the last day of the calendar year and otherwise contribute the maximum allowable amount
to the Plan, you are entitled to make additional "catch up" contributions of up to $5,500 for 2012. In addition, employees with qualifying
service with certain types of employers may be eligible for catch-up contributions under the "15 year rule". See the Plan Administrator for
more details on how to make these catch up contributions.
INVESTMENT ELECTION
I authorize all contributions
to be invested as follows:
New Contributions
Am. Funds Cap. World Gro. & Inc. Fund (R3)
RWICX
%
Oppenheimer
International
OIGNX
%
Oppenheimer
Value Fund (N)
CGRNX
%
Oppenheimer
Rising Dividends Fund (N)
ONRDX
%
Calvert Equity Fund (A)
CSIEX
%
Massachusetts
MIRGX
%
Lord Abbett Mid-Cap Value Fund (R3)
LMCRX
%
JPMorgan Market Expansion Index Fund (R2)
JMEZX
%
Prudential
JDERX
%
Growth Fund (N)
Invest. Growth Stock Fund (R2)
Jennison Mid-Cap Growth Fund (R)
Oppenheimer
Main Street Sm & Mid Cap Fund (N) OPMNX
%
Oppenheimer
Developing Markets Fund (N)
ODVNX
%
Lord Abbett Developing Growth Fund (R3)
LADRX
%
Thornburg
LTURX
%
PIMCO Total Return Fund (R)
PTRRX
%
Oppenheimer
International
OIBNX
%
Oppenheimer
Portfolio Active Alloca. Fund (N)
OAANX
%
Oppenheimer
Portfolio Conserv. Inv. Fund (N)
ONCIX
%
Oppenheimer
Portfolio Eqty. Investor Fund (N)
ONAIX
%
Oppenheimer
Port. FI Active Alloca. Fund (N)
ONFAX
%
Oppenheimer
Portfolio Moderate Inv. Fund (N)
ONMIX
%
Prudential
Limited Term U.S. Govt. Fund (R3)
Guaranteed
Bond Fund (N)
Income Fund
%
Must indicate whole percentages and total 100%
100%
If you do not make a selection, the contributions will be allocated to a default fund, which is selected by the Plan. The default fund for this
Plan is the Oppenheimer Portfolio Series Moderate Investor Fund N.
SIGNATURES
Participant’s
Signature
For more information
Date
on your Plan you can call 888-558-4015 or access the Internet site at http://www.bcgbenefits.com/dob.
51
Designation of Beneficiary Form
Diocese of Brooklyn 403(b) Plan
PARTICIPANT INFORMATION (Please Print Information Clearly)
Employee Name:
Street:
City:
State:
Zip:
Social Security Number:
Date of Birth:
I hereby revoke any Designation of Beneficiary I may previously have made under the above Plan and designate the
following as my Beneficiary(ies) under the Plan:
Primary Beneficiary(ies)
Name
Relationship
Social Security Number
Date of Birth
% Share
Relationship
Social Security Number
Date of Birth
% Share
Contingent Beneficiary(ies)
Name
CURRENT MARITAL STATUS (check one)
I am not married. I understand that if I become married in the future, this form automatically ceases to apply
and I should file a new Designation of Beneficiary.
I am married. If my spouse is not the only Primary Beneficiary, my spouse has consented to my election on a
separate election form. (If consent of your spouse cannot be obtained - e.g., cannot be located or is
incapacitated - contact your employer for information about possible alternatives.) I understand that if my
marital status changes, this Designation will nevertheless remain in effect until I file a new Designation.
Participant’s Signature
Date
53
Diocese of Brooklyn 403(b) Plan
NOTICE REGARDING
QUALIFIED DEFAULT INVESTMENT ALTERNATIVE
chance that an underlying fund’s income will decline because of
falling interest rates; credit risk , which is the chance that the
issuer of a security will fail to pay interest and principal in a
timely manner, or that negative perceptions of the issuer’s
ability to make such payments will cause the price of that
security to decline, thus reducing the underlying fund’s return;
and call risk , which is the chance that during periods of falling
interest rates, issuers of callable bonds may call (repay)
securities with higher coupons or interest rates before their
maturity dates. An underlying fund would then lose potential
price appreciation and would be forced to reinvest the
unanticipated proceeds at lower interest rates, resulting in a
decline in the fund’s income. For mortgage-backed securities,
this risk is known as prepayment risk .
When an employee satisfies the eligibility requirements of the
Diocese of Brooklyn 403(b) Plan ("Plan"), he or she is entitled
to participate in the Plan. Under the Plan, employees direct
their own Plan investments.
The Plan offers participants and beneficiaries the opportunity to
invest in a broad range of investment alternatives, sufficient to
permit investment in a diversified portfolio. You have the right
to choose from among these alternatives. Information about
these investment options is included as part of these enrollment
materials.
If you do not affirmatively make an investment election, the
Plan provides for your contributions and other money in your
Plan Account to be invested in what is known as a "Qualified
Default Investment Alternative". You (or your beneficiaries)
have the right to direct investments out of the Qualified Default
Investment Alternative with the same frequency available for
other Plan investments (but no less frequently than quarterly).
Roman Catholic Diocese of Brooklyn’s Plan permits investment
direction anytime.
Because a significant portion of the qualified default
investment’s assets is allocated to Equity Funds, the default
investment is also subject to stock market risk , which is the
chance that stock prices overall will decline. Stock markets tend
to move in cycles, with periods of rising prices and periods of
falling prices. The default investment may also be subject to the
following risks associated with investments in foreign stocks:
currency risk , which is the chance that the value of a foreign
investment, measured in U.S. dollars, will decrease because of
unfavorable changes in currency exchange rates; country risk ,
which is the chance that domestic events - such as political
upheaval, financial troubles, or natural disasters - will weaken a
country’s securities markets; and regional risk , which is the
chance that an entire region - for example, the European or
Pacific region - will be hurt by political upheaval, financial
troubles, or natural disasters. The default investment is also
subject to manager risk , which is the chance that poor security
selection will cause one or more of the underlying funds - and,
thus, the investment itself - to underperform relevant
benchmarks or other investments with a similar investment
objective.
Information Regarding the Qualified Default Investment Fund
As of December 1, 2011, the Qualified Default Investment
Alternative is the fund(s) indicated below.
Investment Name
% to be Invested
Guaranteed Income Fund
100%
The qualified default investment alternative is a managed
account. This investment seeks varying degrees of long-term
appreciation and capital preservation through a mix of equity
and fixed-income investments. Allocations may be based on the
participant’s age, target retirement date, or life expectancy and
generally become more conservative over time. The managed
account is managed by Webman / Gilston.
Primary Risks
The qualified default investment is subject to several stock and
bond market risks, any of which could cause an investor to lose
money. However, because bonds and short-term investments
usually are less volatile than stocks, and because a significant
portion of the qualified default investment’s assets may be in
bonds and short-term investments, the overall level of risk
should be low to moderate. Where assets are substantially
allocated to bonds and money market instruments, an
investment is primarily subject to the following risks: interest
rate risk , which is the chance that bond prices overall will
decline because of rising interest rates; income risk , which is the
The Funds are also subject to asset allocation risk , which is the
chance that the selection of underlying investments and the
allocation of assets to those investments will cause the
investment to underperform other funds with a similar
investment objective.
Fees and Expenses
The fees and expenses associated with buying and holding shares
of the qualified default investment include:
Expense ratio (as of 01/01/2010): 1.27%
55