Different investments offer different levels of potential return and market risk.

Large-cap stocks are represented by the total returns of the S&P 500 index. Midcap stocks are represented by a composite of the CRSP 3rd-5th deciles and the S&P 400 index. Small-cap stocks are represented by a composite of the CRSP 6th-10th deciles and the S&P 600 index. Foreign stocks are represented by the total returns of the MSCI EAFE index. Bonds are represented by the total returns of the Barclays U.S. Aggregate Bond index. Cash is represented by a composite of yields on 3-month Treasury bills and the Barclays 3-Month Treasury Bills index.
Based on average 12-month returns from 1980-2009. (CS000168)

Different investments offer different levels of potential return and market risk. International investors are subject to higher taxation and currency risk, as well as less liquidity, compared with domestic investors. Small-cap and midcap stocks are generally subject to greater price fluctuations than large-cap stocks. Unlike stocks and corporate bonds, government T-bills are guaranteed as to principal and interest, although funds that invest in them are not. Past performance is not a guarantee of future results.

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