| 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% | - | ||||
| Vngrd Federal Money MktD, E, F | 5527 | 1.32% | 1.32% | 5.32% | 1.98% | 1.34% | 3.91% | Jul 1981 | 0.11% | 0.11% |
| 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% | - | ||||
The 7-Day Yields below more closely reflect the current earnings of the Vngrd Federal Money Mkt than the returns above. Vngrd Federal Money Mkt yields for the period ending 03/31/2024
| ||||||||||
| 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, G | 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 Inflation Foc R9A, B, C, G | 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% | - | ||||
| 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, H | 8077 | 5.20% | 5.20% | 14.64% | 6.76% | 5.68% | - | Aug 2010 | 1.67% | 1.67% |
| Custom Benchmark7 | 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 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, 8 | 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, 8 | 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, 8 | 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, I | 7256 | 9.12% | 9.12% | 24.26% | 11.11% | 8.61% | - | Oct 2013 | 0.57% | 0.57% |
| MSCI ACWI Index (Net)1, 9 | 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% | - | ||||
| Fund Name | Fund Code | Qtr. Ended | YTD | 1 Year | 5 Year | 10 Year | Since Inception | Inception Date | Expense Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Net | |||||||||
| 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, 10 | 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, 11 | 10.02% | 10.02% | 29.29% | 14.34% | 12.33% | - | ||||
| MSQ Growth R9A, B, C, J | 7020 | 14.90% | 14.90% | 43.56% | 16.63% | 14.08% | - | Oct 2013 | 0.57% | 0.57% |
| Russell 1000 Growth Index1, 12 | 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 Aggrsve Opps R9A, B, C, J, K | 7026 | 10.97% | 10.97% | 28.87% | 12.21% | 10.53% | - | Oct 2013 | 0.61% | 0.61% |
| Russell Midcap Growth Index1, 13 | 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 Mid/Sm Co Idx R5A, B, C, L | 0068 | 6.92% | 6.92% | 21.30% | 9.81% | 8.76% | - | Apr 1999 | 0.20% | 0.20% |
| Russell 2500 Index1, 14 | 6.92% | 6.92% | 21.43% | 9.90% | 8.84% | - | ||||
| MSQ Sm Cap Disc R9A, B, C, L | 7023 | 3.93% | 3.93% | 16.76% | 8.00% | 7.45% | - | Oct 2013 | 0.66% | 0.66% |
| Russell 2000 Index1, 15 | 5.18% | 5.18% | 19.71% | 8.10% | 7.58% | - | ||||
| Morningstar Small Blend1, 4 | 5.66% | 5.66% | 18.93% | 9.33% | 7.66% | - | ||||
| 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, I | 7045 | 6.38% | 6.38% | 15.41% | 7.78% | 5.31% | - | Oct 2013 | 0.75% | 0.75% |
| MSCI EAFE Index (Net)1, 16 | 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, I | 0066 | 5.70% | 5.70% | 15.09% | 7.36% | 4.75% | - | Apr 1999 | 0.27% | 0.27% |
| MSCI EAFE Index (Net)1, 16 | 5.78% | 5.78% | 15.32% | 7.33% | 4.80% | - | ||||
| MSQ Emerging Mkts R9A, B, C, I, M | 7046 | 3.73% | 3.73% | 8.92% | 3.18% | - | 3.14% | Dec 2017 | 0.91% | 0.91% |
| MSCI Emerging Markets Index (Net)1, 17 | 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% | - | ||||
| 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. | 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. |
| E. | An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so and you could lose money by investing in the Fund. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. |
| F. | Please read the fund's prospectus or disclosure materials carefully for a complete summary of all fees, expenses, investment objectives and strategies, risks, financial highlights, and performance information. Investing involves risk, including possible loss of the amount invested. Investors should carefully consider the information contained in the prospectus or disclosure materials before investing. To request a prospectus or disclosure materials, you may contact us by calling 800-669-7400, or log in at www.missionsq.org. |
| G. | 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. |
| H. | 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. |
| I. | 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. |
| J. | 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. |
| K. | 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. |
| L. | 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. |
| M. | 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. |
| 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 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. |
| 8. | 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. |
| 9. | 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. |
| 10. | The S&P 500 Index consists of 500 companies representing larger capitalization stocks traded in the U.S. |
| 11. | 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. |
| 12. | 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. |
| 13. | 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. |
| 14. | 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. |
| 15. | 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. |
| 16. | 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. |
| 17. | 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. |
Administration | |
|---|---|
| Administration | up to 0.080% (annualized) on assets |
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 | $50 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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