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| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MissionSquare PLUS R9A, B, C | 7071 | 0.72% | 0.72% | 2.86% | 2.24% | 2.15% | - | Oct 2013 | 0.57% | 0.57% |
| ICE BofA US 3 Month Treasury Bill Index1, 2 | 1.29% | 1.29% | 5.24% | 2.02% | 1.38% | - | ||||
| MSQ Cash Management R5A, B, C, D, II | 0256 | 1.24% | 1.24% | 5.00% | 1.77% | 1.13% | - | Mar 1999 | 0.46% | 0.43% |
| ICE BofA US 1-Month Treasury Bill1, 3 | 1.31% | 1.31% | 5.21% | 1.93% | 1.30% | - | ||||
| Morningstar Money Market - Taxable1, 4 | 1.22% | 1.22% | 4.94% | 1.76% | 1.14% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ Core Bd Idx R5A, B, C, E | 0060 | (0.75%) | (0.75%) | 1.44% | 0.12% | 1.31% | - | Apr 1999 | 0.20% | 0.20% |
| Bloomberg U.S. Agg Bond Index1, 5 | (0.78%) | (0.78%) | 1.70% | 0.36% | 1.54% | - | ||||
| MSQ WestAsst Core Plus R5A, B, C, E, II | 8900 | (1.24%) | (1.24%) | 2.04% | (0.18%) | - | 1.40% | Jan 2015 | 0.53% | 0.45% |
| Bloomberg U.S. Agg Bond Index1, 5 | (0.78%) | (0.78%) | 1.70% | 0.36% | 1.54% | - | ||||
| Morningstar Intermediate Core-Plus Bond1, 4 | (0.20%) | (0.20%) | 2.91% | 0.75% | 1.67% | - | ||||
| MSQ Inflation Foc R9A, B, C, E | 7075 | 0.07% | 0.07% | 0.45% | 2.37% | 2.01% | - | Oct 2013 | 0.42% | 0.42% |
| Bloomberg U.S. Treasury Inflation-Linked Bond Index1, 6 | (0.08%) | (0.08%) | 0.45% | 2.49% | 2.21% | - | ||||
| Morningstar Inflation-Protected Bond1, 4 | 0.19% | 0.19% | 1.10% | 2.33% | 1.80% | - | ||||
| MSQ PIMCO High Yield R5A, B, C, E, F | 8176 | 1.02% | 1.02% | 9.41% | 3.33% | 3.79% | - | Jul 2002 | 0.82% | 0.82% |
| ICE BofA US High Yield BB-B Const Index1, 7 | 1.30% | 1.30% | 10.13% | 3.98% | 4.36% | - | ||||
| Morningstar High Yield Bond1, 4 | 1.67% | 1.67% | 10.40% | 3.76% | 3.60% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ Ret IncomeAdv R5A, B, C, G | 8077 | 5.20% | 5.20% | 14.64% | 6.76% | 5.68% | - | Aug 2010 | 1.67% | 1.67% |
| Custom Benchmark8 | 5.29% | 5.29% | 15.88% | 8.62% | 7.42% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ Ret Tgt Inc R9A, B, C, H, II | 7250 | 2.80% | 2.80% | 9.26% | 4.48% | 4.05% | - | Oct 2013 | 0.52% | 0.46% |
| S&P Target Date Retirement Income Index1, 9 | 2.33% | 2.33% | 8.72% | 4.25% | 4.07% | - | ||||
| Morningstar Target-Date Retirement1, 4 | 2.39% | 2.39% | 8.52% | 3.90% | 3.71% | - | ||||
| MSQ Ret Tgt 2015 R9A, B, C, H, II | 7258 | 3.22% | 3.22% | 10.09% | 5.28% | 4.73% | - | Oct 2013 | 0.53% | 0.50% |
| S&P Target Date 2015 Index1, 9 | 2.70% | 2.70% | 9.71% | 5.26% | 5.05% | - | ||||
| Morningstar Target-Date 20151, 4 | 2.95% | 2.95% | 9.72% | 5.07% | 4.89% | - | ||||
| MSQ Ret Tgt 2020 R9A, B, C, H, II | 7259 | 3.76% | 3.76% | 11.48% | 5.86% | 5.24% | - | Oct 2013 | 0.54% | 0.52% |
| S&P Target Date 2020 Index1, 9 | 3.20% | 3.20% | 10.89% | 5.62% | 5.44% | - | ||||
| Morningstar Target-Date 20201, 4 | 3.36% | 3.36% | 10.66% | 5.41% | 5.24% | - | ||||
| MSQ Ret Tgt 2025 R9A, B, C, H, II | 7260 | 4.11% | 4.11% | 12.60% | 6.69% | 5.85% | - | Oct 2013 | 0.56% | 0.54% |
| S&P Target Date 2025 Index1, 9 | 3.44% | 3.44% | 11.60% | 6.42% | 6.04% | - | ||||
| Morningstar Target-Date 20251, 4 | 3.70% | 3.70% | 11.61% | 5.92% | 5.63% | - | ||||
| MSQ Ret Tgt 2030 R9A, B, C, H, II | 7261 | 5.28% | 5.28% | 15.36% | 8.02% | 6.70% | - | Oct 2013 | 0.57% | 0.56% |
| S&P Target Date 2030 Index1, 9 | 4.26% | 4.26% | 13.80% | 7.38% | 6.72% | - | ||||
| Morningstar Target-Date 20301, 4 | 4.53% | 4.53% | 13.69% | 6.99% | 6.40% | - | ||||
| MSQ Ret Tgt 2035 R9A, B, C, H, II | 7262 | 6.18% | 6.18% | 17.64% | 9.05% | 7.38% | - | Oct 2013 | 0.59% | 0.57% |
| S&P Target Date 2035 Index1, 9 | 5.23% | 5.23% | 16.13% | 8.43% | 7.41% | - | ||||
| Morningstar Target-Date 20351, 4 | 5.53% | 5.53% | 16.14% | 8.04% | 7.09% | - | ||||
| MSQ Ret Tgt 2040 R9A, B, C, H, II | 7263 | 7.12% | 7.12% | 19.51% | 9.74% | 7.89% | - | Oct 2013 | 0.60% | 0.59% |
| S&P Target Date 2040 Index1, 9 | 6.02% | 6.02% | 18.11% | 9.25% | 7.94% | - | ||||
| Morningstar Target-Date 20401, 4 | 6.43% | 6.43% | 18.35% | 8.94% | 7.68% | - | ||||
| MSQ Ret Tgt 2045 R9A, B, C, H, II | 7264 | 7.83% | 7.83% | 21.21% | 10.50% | 8.38% | - | Oct 2013 | 0.60% | 0.59% |
| S&P Target Date 2045 Index1, 9 | 6.56% | 6.56% | 19.39% | 9.76% | 8.27% | - | ||||
| Morningstar Target-Date 20451, 4 | 7.14% | 7.14% | 20.00% | 9.55% | 8.01% | - | ||||
| MSQ Ret Tgt 2050 R9A, B, C, H, II | 7265 | 8.12% | 8.12% | 21.95% | 10.72% | 8.51% | - | Feb 2014 | 0.62% | 0.59% |
| S&P Target Date 2050 Index1, 9 | 6.82% | 6.82% | 20.05% | 10.01% | 8.47% | - | ||||
| Morningstar Target-Date 20501, 4 | 7.51% | 7.51% | 20.84% | 9.77% | 8.17% | - | ||||
| MSQ Ret Tgt 2055 R9A, B, C, H, I, II | 7266 | 8.09% | 8.09% | 21.93% | 10.74% | - | 10.27% | Nov 2016 | 0.61% | 0.59% |
| S&P Target Date 2055 Index1, 9 | 6.84% | 6.84% | 20.09% | 10.08% | 8.54% | - | ||||
| Morningstar Target-Date 20551, 4 | 7.63% | 7.63% | 21.11% | 9.88% | 8.21% | - | ||||
| MSQ Ret Tgt 2060 R9A, B, C, H, II | 7267 | 8.19% | 8.19% | 22.12% | - | - | 13.39% | Jun 2020 | 0.63% | 0.59% |
| S&P Target Date 2060+ Index1, 9 | 6.85% | 6.85% | 20.18% | 10.11% | 8.60% | - | ||||
| Morningstar Target-Date 20601, 4 | 7.72% | 7.72% | 21.40% | 10.01% | 7.84% | - | ||||
| MSQ MP Cons Gr R9A, B, C | 7252 | 3.57% | 3.57% | 11.26% | 5.32% | 4.52% | - | Oct 2013 | 0.56% | 0.56% |
| S&P Target Risk Conservative Index1, 10 | 2.24% | 2.24% | 8.64% | 3.88% | 3.86% | - | ||||
| Morningstar Moderately Conservative Allocation1, 4 | 3.24% | 3.24% | 10.10% | 4.65% | 4.30% | - | ||||
| MSQ MP Trad Gr R9A, B, C | 7253 | 5.89% | 5.89% | 17.04% | 8.40% | 6.79% | - | Oct 2013 | 0.57% | 0.57% |
| S&P Target Risk Growth Index1, 10 | 4.72% | 4.72% | 14.47% | 6.98% | 6.28% | - | ||||
| Morningstar Moderate Allocation1, 4 | 5.32% | 5.32% | 15.19% | 7.45% | 6.46% | - | ||||
| MSQ MP Lng-Trm Gr R9A, B, C | 7254 | 7.24% | 7.24% | 20.25% | 9.91% | 7.99% | - | Oct 2013 | 0.58% | 0.58% |
| S&P Target Risk Aggressive Index1, 10 | 6.33% | 6.33% | 18.40% | 8.97% | 7.68% | - | ||||
| Morningstar Moderately Aggressive Allocation1, 4 | 6.77% | 6.77% | 17.97% | 8.44% | 7.09% | - | ||||
| MSQ MP Glbl Eq Gr R9A, B, C, J | 7256 | 9.12% | 9.12% | 24.26% | 11.11% | 8.61% | - | Oct 2013 | 0.57% | 0.57% |
| MSCI ACWI Index (Net)1, 11 | 8.20% | 8.20% | 23.22% | 10.92% | 8.66% | - | ||||
| Morningstar Global Large-Stock Blend1, 4 | 7.00% | 7.00% | 19.06% | 9.67% | 7.89% | - | ||||
| MSQ Puritan® R5A, B, C, K | 7724 | 9.32% | 9.32% | 24.49% | 11.53% | 9.55% | - | Apr 1999 | 0.47% | 0.47% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Moderate Allocation1, 4 | 5.32% | 5.32% | 15.19% | 7.45% | 6.46% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ Equity Income R9A, B, C, L | 7025 | 7.50% | 7.50% | 18.10% | 10.35% | 8.09% | - | Oct 2013 | 0.55% | 0.55% |
| Russell 1000 Value Index1, 13 | 8.99% | 8.99% | 20.27% | 10.32% | 9.01% | - | ||||
| Morningstar Large Value1, 4 | 8.83% | 8.83% | 20.70% | 10.89% | 9.09% | - | ||||
| MSQ MFS Value R5A, B, C, II, L | 8088 | 8.81% | 8.81% | 19.46% | 10.73% | - | 8.83% | Dec 2017 | 0.55% | 0.54% |
| Russell 1000 Value Index1, 13 | 8.99% | 8.99% | 20.27% | 10.32% | 9.01% | - | ||||
| Morningstar Large Value1, 4 | 8.83% | 8.83% | 20.70% | 10.89% | 9.09% | - | ||||
| MSQ BlackRock Eqy Div R5A, B, C, II, L, M | 7478 | 7.89% | 7.89% | 20.08% | 11.04% | - | 11.06% | Dec 2021 | 0.70% | 0.69% |
| Russell 1000 Value Index1, 13 | 8.99% | 8.99% | 20.27% | 10.32% | 9.01% | - | ||||
| Morningstar Large Value1, 4 | 8.83% | 8.83% | 20.70% | 10.89% | 9.09% | - | ||||
| MSQ 500 Stk Idx R5A, B, C | 0067 | 10.55% | 10.55% | 29.71% | 14.86% | 12.76% | - | Apr 1999 | 0.20% | 0.20% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| MSQ Broad Mkt Idx R5A, B, C | 0080 | 9.98% | 9.98% | 29.04% | 14.16% | 12.18% | - | Apr 1999 | 0.20% | 0.20% |
| Russell 3000 Index1, 14 | 10.02% | 10.02% | 29.29% | 14.34% | 12.33% | - | ||||
| MSQ Growth & Inc R9A, B, C | 7047 | 10.71% | 10.71% | 30.52% | 13.81% | 11.86% | - | Oct 2013 | 0.38% | 0.38% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Large Blend1, 4 | 9.95% | 9.95% | 27.24% | 13.65% | 11.45% | - | ||||
| MSQ Parnassus Core Eqy R5A, B, C, II | 7101 | 9.99% | 9.99% | 27.78% | 14.80% | - | 12.19% | Nov 2014 | 0.85% | 0.82% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Large Blend1, 4 | 9.95% | 9.95% | 27.24% | 13.65% | 11.45% | - | ||||
| MSQ Invesco Main St R5A, B, C | 8131 | 12.36% | 12.36% | 29.20% | 13.41% | 11.37% | - | Dec 2011 | 0.57% | 0.57% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Large Blend1, 4 | 9.95% | 9.95% | 27.24% | 13.65% | 11.45% | - | ||||
| MSQ Growth R9A, B, C, L | 7020 | 14.90% | 14.90% | 43.56% | 16.63% | 14.08% | - | Oct 2013 | 0.57% | 0.57% |
| Russell 1000 Growth Index1, 15 | 11.41% | 11.41% | 39.00% | 18.52% | 15.98% | - | ||||
| Morningstar Large Growth1, 4 | 11.92% | 11.92% | 36.45% | 14.89% | 13.24% | - | ||||
| MSQ Contrafund® R5A, B, C, K, L | 7733 | 17.98% | 17.98% | 47.42% | 17.15% | 14.65% | - | Apr 1999 | 0.39% | 0.39% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Large Growth1, 4 | 11.92% | 11.92% | 36.45% | 14.89% | 13.24% | - | ||||
| MSQ T Rowe® Growth Stk R5A, B, C, L, N | 8368 | 12.12% | 12.12% | 39.97% | 12.29% | 12.84% | - | Dec 2004 | 0.93% | 0.93% |
| S&P 500 Index1, 12 | 10.56% | 10.56% | 29.88% | 15.05% | 12.96% | - | ||||
| Morningstar Large Growth1, 4 | 11.92% | 11.92% | 36.45% | 14.89% | 13.24% | - | ||||
| MSQ Select Value R9A, B, C, L, O | 7022 | 9.19% | 9.19% | 18.58% | 12.57% | 8.53% | - | Oct 2013 | 0.60% | 0.60% |
| Russell Midcap Value Index1, 16 | 8.23% | 8.23% | 20.40% | 9.94% | 8.57% | - | ||||
| Morningstar Mid-Cap Value1, 4 | 7.75% | 7.75% | 20.80% | 10.61% | 8.23% | - | ||||
| MSQ Victory Sy Est Val R5A, B, C, L, O | 8535 | 9.22% | 9.22% | 18.33% | 13.60% | - | 11.75% | Jun 2017 | 0.66% | 0.66% |
| Russell Midcap Value Index1, 16 | 8.23% | 8.23% | 20.40% | 9.94% | 8.57% | - | ||||
| Morningstar Mid-Cap Value1, 4 | 7.75% | 7.75% | 20.80% | 10.61% | 8.23% | - | ||||
| MSQ Aggrsve Opps R9A, B, C, L, O | 7026 | 10.97% | 10.97% | 28.87% | 12.21% | 10.53% | - | Oct 2013 | 0.61% | 0.61% |
| Russell Midcap Growth Index1, 17 | 9.50% | 9.50% | 26.28% | 11.82% | 11.35% | - | ||||
| Morningstar Mid-Cap Growth1, 4 | 9.42% | 9.42% | 23.04% | 10.63% | 10.12% | - | ||||
| MSQ AMG TimesSq Mid Gr R5A, B, C, L, O | 7463 | 9.81% | 9.81% | 27.62% | 14.06% | 11.38% | - | Dec 2013 | 1.18% | 1.18% |
| Russell Midcap Growth Index1, 17 | 9.50% | 9.50% | 26.28% | 11.82% | 11.35% | - | ||||
| Morningstar Mid-Cap Growth1, 4 | 9.42% | 9.42% | 23.04% | 10.63% | 10.12% | - | ||||
| MSQ Carillon Eg Mid Gr R5A, B, C, L, O | 7616 | 9.52% | 9.52% | 23.14% | 11.94% | - | 11.09% | Dec 2017 | 0.73% | 0.73% |
| Russell Midcap Growth Index1, 17 | 9.50% | 9.50% | 26.28% | 11.82% | 11.35% | - | ||||
| Morningstar Mid-Cap Growth1, 4 | 9.42% | 9.42% | 23.04% | 10.63% | 10.12% | - | ||||
| MSQ JPM Small Cap Val R5A, B, C, II, L, M, P | 8823 | 5.57% | 5.57% | 20.29% | 9.21% | - | 7.68% | Dec 2021 | 1.01% | 0.94% |
| Russell 2000 Value Index1, 18 | 2.90% | 2.90% | 18.75% | 8.17% | 6.87% | - | ||||
| Morningstar Small Value1, 4 | 4.66% | 4.66% | 20.14% | 10.28% | 7.23% | - | ||||
| MSQ Mid/Sm Co Idx R5A, B, C, P | 0068 | 6.92% | 6.92% | 21.30% | 9.81% | 8.76% | - | Apr 1999 | 0.20% | 0.20% |
| Russell 2500 Index1, 19 | 6.92% | 6.92% | 21.43% | 9.90% | 8.84% | - | ||||
| MSQ Sm Cap Disc R9A, B, C, P | 7023 | 3.93% | 3.93% | 16.76% | 8.00% | 7.45% | - | Oct 2013 | 0.66% | 0.66% |
| Russell 2000 Index1, 20 | 5.18% | 5.18% | 19.71% | 8.10% | 7.58% | - | ||||
| Morningstar Small Blend1, 4 | 5.66% | 5.66% | 18.93% | 9.33% | 7.66% | - | ||||
| MSQ Invesco Discovery R5A, B, C, L, P | 8124 | 12.87% | 12.87% | 24.66% | 12.83% | 11.32% | - | Sep 2013 | 0.79% | 0.79% |
| Russell 2000 Growth Index1, 21 | 7.58% | 7.58% | 20.35% | 7.38% | 7.89% | - | ||||
| Morningstar Small Growth1, 4 | 7.49% | 7.49% | 18.05% | 9.06% | 8.83% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ International R9A, B, C, J | 7045 | 6.38% | 6.38% | 15.41% | 7.78% | 5.31% | - | Oct 2013 | 0.75% | 0.75% |
| MSCI EAFE Index (Net)1, 22 | 5.78% | 5.78% | 15.32% | 7.33% | 4.80% | - | ||||
| Morningstar Foreign Large Blend1, 4 | 5.24% | 5.24% | 13.54% | 6.56% | 4.53% | - | ||||
| MSQ Ovrs Eq Index R5A, B, C, J | 0066 | 5.70% | 5.70% | 15.09% | 7.36% | 4.75% | - | Apr 1999 | 0.27% | 0.27% |
| MSCI EAFE Index (Net)1, 22 | 5.78% | 5.78% | 15.32% | 7.33% | 4.80% | - | ||||
| MSQ Diversified Intntl R5A, B, C, J, L | 7753 | 8.12% | 8.12% | 16.55% | 8.59% | 5.74% | - | Dec 2004 | 0.85% | 0.85% |
| MSCI EAFE Index (Net)1, 22 | 5.78% | 5.78% | 15.32% | 7.33% | 4.80% | - | ||||
| Morningstar Foreign Large Growth1, 4 | 6.58% | 6.58% | 13.00% | 7.20% | 5.71% | - | ||||
| MSQ Emerging Mkts R9A, B, C, I, J | 7046 | 3.73% | 3.73% | 8.92% | 3.18% | - | 3.14% | Dec 2017 | 0.91% | 0.91% |
| MSCI Emerging Markets Index (Net)1, 23 | 2.37% | 2.37% | 8.15% | 2.22% | 2.95% | - | ||||
| Morningstar Diversified Emerging Mkts1, 4 | 2.70% | 2.70% | 10.31% | 3.23% | 2.96% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| MSQ CohenSteers Realty R5A, B, C, II, M, Q | 7503 | (0.45%) | (0.45%) | 9.49% | 5.73% | - | 5.84% | Dec 2021 | 0.93% | 0.88% |
| FTSE NAREIT All Equity REITs Index1, 24 | (1.30%) | (1.30%) | 8.02% | 3.96% | 6.93% | - | ||||
| Morningstar Real Estate1, 4 | (0.97%) | (0.97%) | 8.45% | 3.45% | 5.85% | - | ||||
| A. | Before investing in the Fund, you should carefully consider your investment goals, tolerance for risk, investment time horizon, and personal circumstances. There is no guarantee that the Fund will meet its investment objective and you can lose money. |
| B. | The Fund is an investment option of VantageTrust, a group trust established and maintained by VantageTrust Company, LLC, a wholly owned subsidiary of MissionSquare Retirement. VantageTrust provides for the commingling of assets of certain trusts and plans as described in its Declaration of Trust, and is only available for investment by such eligible trusts and plans. The Fund is not a mutual fund. Its units are not deposits of VantageTrust Company and are not insured by the Federal Deposit Insurance Corporation or any other agency. The Fund is a security that has not been registered under the Securities Act of 1933 and is exempt from investment company registration under the Investment Company Act of 1940. For additional information regarding the Fund, including a description of the principal risks, please consult the Funds Disclosure Memorandum, which is available when plan administration clients log in at www.missionsq.org, at www.investments.missionsq.org for institutions, or upon request by calling 800-669-7400. |
| C. | When Funds are marketed to institutional clients, the Funds are offered by MissionSquare Investment Services, an SEC registered broker-dealer and FINRA member firm. MissionSquare Investment Services is a wholly-owned subsidiary of MissionSquare Retirement and is an affiliate of VantageTrust Company, LLC and MissionSquare Investments. |
| D. | The Fund is invested in a single registered mutual fund, the Fidelity® Money Market Government Portfolio. Investments in the fund are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. It is possible to lose money by investing in the fund. |
| E. | A fixed income fund is subject to credit risk and interest rate risk. Credit risk is when an issuer of a fixed income security may be unable or unwilling to make payments of principal or interest to the holders of these securities or may declare bankruptcy. Fixed income securities fluctuate in value as interest rates change. When interest rates rise, the market prices of fixed income securities will usually decrease; when interest rates fall, the market prices of fixed income securities usually will increase. |
| F. | Funds that invest primarily in high yield bonds (bonds that are rated below investment grade and also known as "junk bonds") are subject to additional risk as these high yield bonds are considered speculative and involve a greater risk of default than "investment grade" securities. The values of these securities are particularly sensitive to changes in interest rates, issuer creditworthiness, and economic and political conditions. The market prices of these securities may decline significantly in periods of general economic difficulty, may be harder to value, and may be less liquid than higher rated securities. |
| G. | Empower Annuity Insurance Company (EAIC), CA COA #08003, Hartford, CT. Neither EAIC nor MissionSquare guarantees the investment performance or return on contributions to EAIC’s Separate Account. You should carefully consider the objectives, risks, charges, expenses, and underlying guarantee features before purchasing this product. EAIC may increase the Guarantee Fee in the future, from one percent up to a maximum of 1.50 percent. Like all variable investments, this Fund may lose value. Availability and terms may vary by jurisdiction; subject to regulatory approvals. Annuity contracts contain exclusions, limitations, and reductions of benefits and terms for keeping them in force. Guarantees are based on EAIC’s claims-paying ability. This annuity is issued under Contract form # GA-2020-TGWB4-0805-RC. MissionSquare provides recordkeeping services to your Plan and is the investment manager of the underlying EAIC Separate Account. EAIC or its affiliates may compensate MissionSquare for providing these and related administrative services in connection with the Fund. Before electing the Spousal Benefit (if available) on behalf of any beneficiary not recognized as your spouse under Federal law (a civil union partner), be aware that provisions of your plan or the Internal Revenue Code might prevent, limit, or otherwise affect the ability of the beneficiary to receive the Spousal Benefit. Variable annuities are suitable for long-term investing, particularly retirement savings. Empower refers to the products and services offered by Empower Annuity Insurance Company of America and its subsidiaries. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. ©2024 Empower Retirement, LLC. All rights reserved. Note: Participants who are interested in the MissionSquare Retirement IncomeAdvantage Fund must first receive and read the MissionSquare Retirement IncomeAdvantage Fund Important Considerations document before investing. |
| H. | The Fund is not a complete solution for all of your retirement savings needs. An investment in the Fund includes the risk of loss, including near, at or after the target date of the Fund. There is no guarantee that the Fund will provide adequate income at and through an investor's retirement. |
| I. | Performance information for this class prior to its inception date is the performance of the Fund adjusted to reflect the estimated fees and expenses of this class. |
| J. | Funds that invest in foreign securities are exposed to the risk of loss due to political, economic, legal, regulatory, and operational uncertainties; differing accounting and financial reporting standards; limited availability of information; currency fluctuations; and higher transaction costs. Investments in foreign currencies or securities denominated in foreign currencies (including derivative instruments that provide exposure to foreign currencies) may experience gains or losses solely based on changes in the exchange rate between foreign currencies and the U.S. dollar. The risk of investing in foreign securities may be greater with respect to securities of companies located in emerging market countries. The value of developing or emerging market currencies may fluctuate more than the currencies of companies with more mature markets. |
| K. | PURITAN and CONTRAFUND are registered service marks of FMR LLC. Used with permission. |
| L. | Certain funds may be subject to style risk, which is the possibility that the investment style of its investment adviser will trail the returns of the overall market. In the past, different types of securities have experienced cycles of outperformance and underperformance in comparison to the market in general. For example, growth stocks have performed best during the later stages of economic expansion and value stocks have performed best during periods of economic recovery. Both styles may go in and out of favor. When the investing style used by a fund is out of favor, that fund is likely to underperform other funds that use investing styles that are in favor. |
| M. | Performance for this fund prior to its inception date is the performance of the underlying mutual fund adjusted to reflect the estimated fees and expenses of this fund and class. |
| N. | T. Rowe Price® is a registered trademark of T. Rowe Price Group, Inc. - all rights reserved. |
| O. | Funds that invest primarily in mid-capitalization companies involve greater risk than is customarily associated with investments in larger, more established companies. Equity securities of mid-capitalization companies generally trade in lower volume and are generally subject to greater and less predictable price changes than the securities of larger companies. |
| P. | Funds that invest primarily in small-capitalization companies involve greater risk than is customarily associated with investments in larger, more established companies. Equity securities of small-capitalization companies are generally subject to greater price volatility than those of larger companies due to less certain growth prospects, the lower degree of liquidity in the markets for their securities, and the greater sensitivity of smaller companies to changing economic conditions. Also, small-capitalization companies may have more limited product lines, fewer capital resources and less experienced management than larger companies. |
| Q. | Sector funds tend to be riskier and more volatile than the broad market because they are generally less diversified and more volatile than other mutual funds. |
| II. | Differences between the net and gross expense ratios of a fund are typically due to fee waivers, expense reimbursements, and/or expense limits. |
| 1. | Certain information including, but not limited to, benchmark performance or other performance and/or fee information, is provided by Morningstar, Inc., © 2024 All rights reserved. This information: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Morningstar is a registered trademark of Morningstar, Inc. |
| 2. | The Intercontinental Exchange Bank of America ("ICE BofA") US Treasury Bill 3 Month Index is comprised of a single U.S. Treasury Bill issue purchased at the beginning of each month and held for a full month, at which time that issue is sold and rolled into a newly selected issue. The issue selected each month is that having a maturity date closest to, but not beyond 90 days from the rebalance date. |
| 3. | The Intercontinental Exchange Bank of America ("ICE BofA") US 1-Month Treasury Bill Index is comprised of a single U.S. Treasury Bill issue purchased at the beginning of each month and held for a full month, at which time that issue is sold and rolled into a newly selected issue. The issue selected each month is that having a maturity date closest to, but not beyond, one month from the rebalance date. |
| 4. | The Morningstar category average return represents the average return for a category of funds with similar investment objectives and strategies. The average is calculated and funds are assigned to a category by Morningstar. |
| 5. | The Bloomberg U.S. Aggregate Bond Index consists of investment-grade U.S. fixed income securities. |
| 6. | The Bloomberg U.S. Treasury Inflation-Linked Bond Index, consists of all U.S. Treasury inflation protected securities rated investment grade or better, having at least one year to final maturity and at least $250 million par amount outstanding. |
| 7. | The Intercontinental Exchange Bank of America ("ICE BofA") US High Yield BB-B Constrained Index tracks the performance of BB- and B-rated fixed income securities, with total index allocation to an individual issuer limited to 2%. |
| 8. | The MissionSquare Retirement IncomeAdvantage Fund's custom benchmark is comprised of the market indexes of the funds in which the MissionSquare Retirement IncomeAdvantage Fund invests, in weighted percentages that correspond to the historical target allocation to those funds and the historical market indexes. Should the target allocations for the MissionSquare Retirement IncomeAdvantage Fund or the market indexes of the funds change, the percentage allocations to the corresponding indexes or the market indexes will also change. |
| 9. | The S&P Target Date Indexes reflect exposure to various asset classes included in target date funds driven by a survey of such funds for each particular target date. |
| 10. | The S&P Target Risk Indexes reflect exposure to various asset classes included in target risk funds driven by a survey of such funds for each particular target risk. |
| 11. | The MSCI All Country World Index (Net) is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of large and mid cap segments of developed and emerging markets. The net version of this index reinvests dividends after the deduction of withholding taxes, using a tax rate applicable to non-resident institutional investors who do not benefit from double taxation treaties. |
| 12. | The S&P 500 Index consists of 500 companies representing larger capitalization stocks traded in the U.S. |
| 13. | The Russell 1000® Value Index measures the performance of the large-cap value segment of the U.S. equity universe. It includes those Russell 1000® Index companies with lower price-to-book ratios and lower expected growth values. |
| 14. | The Russell 3000® Index includes, and measures the performance of, the largest 3,000 U.S. publicly traded companies based on market capitalization, representing a substantial portion of the investable U.S. equity market. |
| 15. | The Russell 1000® Growth Index measures the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000® Index companies with higher price-to-book ratios and higher forecasted growth values. |
| 16. | The Russell Midcap® Value Index measures the performance of the mid-cap value segment of the U.S. equity universe. It includes those Russell Midcap® Index companies with lower price-to-book ratios and lower forecasted growth values. |
| 17. | The Russell Midcap® Growth Index measures the performance of the mid-cap growth segment of the U.S. equity universe. It includes those Russell Midcap® Index companies with higher price-to-book ratios and higher forecasted growth values. |
| 18. | The Russell 2000® Value Index measures the performance of those Russell 2000 companies with lower price-to-book ratios and lower forecasted growth values. |
| 19. | The Russell 2500™ measures the performance of the small to mid-cap segment of the U.S. equity universe, commonly referred to as "smid" cap. The Russell 2500™ Index is a subset of the Russell 3000® Index, and includes approximately 2,500 of the smallest securities in the Russell 3000® Index, based on a combination of their market capitalization and current index membership. |
| 20. | The Russell 2000® Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000® Index is a subset of the Russell 3000® Index, and includes approximately 2,000 of the smallest securities based on a combination of their market cap and current index membership. |
| 21. | The Russell 2000® Growth Index measures the performance of those Russell 2000® companies with higher price-to-book ratios and higher forecasted growth values. |
| 22. | The MSCI Europe Australasia Far East (EAFE) Index (Net) is a free float-adjusted market capitalization index of equity securities that is designed to measure the equity market performance of developed markets, excluding the U.S. and Canada. The net version of this index reinvests dividends after the deduction of withholding taxes, using a tax rate applicable to non-resident institutional investors who do not benefit from double taxation treaties. |
| 23. | The MSCI Emerging Markets Index (Net) is a free float-adjusted market capitalization index of equity securities that is designed to measure the equity market performance of emerging markets. The net version of this index reinvests dividends after the deduction of withholding taxes, using a tax rate applicable to non-resident institutional investors who do not benefit from double taxation treaties. |
| 24. | The FTSE NAREIT Equity REIT Index is an index of publicly traded REITs that own commercial property. |
Guided Pathways | |
|---|---|
| Fund Advice1, 3 | $0 annual fee |
| Managed Accounts1,2,3 | 0.50% on first $100,000 |
| 0.40% on next $200,000 | |
| 0.30% on next $200,000 | |
| 0.20% on All assets over $500,000 |
Brokerage | |
|---|---|
| Self-Directed Brokerage | $50 one-time setup fee |
| (additional fees by brokerage provider also apply) | |
Loans | |
|---|---|
| Origination, Refinance, Reamortization | $75 per application |
| Loan Maintenance | $50 annual fee |
| ACH Reject | $20 per occurrence |
Expedited Disbursement | |
|---|---|
| Wire | $15 per use |
| Overnight Delivery | varies by delivery address |
Legal | |
|---|---|
| Domestic Relations Order Processing | $250 per divorce |
| Performance | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Fund past performance, as shown, is no guarantee of how the Fund will perform in the future. The performance shown has been annualized for periods greater than one year. Investment returns and principal value will fluctuate, so that an investor's shares, when redeemed, may be worth more or less than their original cost. For current performance, participants or plan sponsors in a MissionSquare Retirement administered account can log in at www.missionsq.org, or institutions can go to www.investments.missionsq.org. For current performance, contact by calling 1-800-669-7400 or by visiting www.icmarc.org. Fund performance is shown comparing it to a "benchmark" which may be a (i) broad-based securities market index (ii) a group of mutual funds with similar investment objectives, or (iii) a short term government backed debt obligation such as a U.S. Treasury Bill. An index is not available for direct investment, is unmanaged, and does not reflect the costs of portfolio management or trading. A fund's portfolio may differ from the securities held in an index. The performance displayed for each of the plan's investment options is net of fees and therefore includes the effects of the total annual operating expenses on the rate of return.
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| Fees and expenses | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
The fees and expenses table below discloses total annual operating expenses for the plan's investment options as well as any shareholder-type fees or trading restrictions. The total annual operating expenses of these investment options reduce their rate of return. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.
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| Annuity information | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
The table below focuses on the annuity options under the plan. Annuities are insurance contracts that provide a guaranteed
stream of payments at regular intervals. Annuities are issued by insurance companies. Guarantees of an insurance company
are subject to its long-term financial strength and claims-paying ability.
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