Age-Based Aggressive Ages 0-2

Portfolio Overview

The Portfolio seeks growth of capital.

The Portfolio invests in a targeted mix of stock mutual funds that represent various asset classes and sectors.

U.S. Equities	57%
International Equities	36%
Real Assets	7%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Real Assets
Principal Global Real Estate Securities Fund	4%
Parametric Commodity Strategy Fund	3%
U.S. Equity
DFA U.S. Large Cap Value Portfolio	11.5%
Northern Funds Stock Index Fund	23%
T. Rowe Price Instl. Large-Cap Growth Fund	11.5%
Northern Funds Mid Cap Index Fund	6%
Northern Funds Small Cap Value Fund	2.5%
T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund	2.5%

Fund	Percent
International Equity
Northern Funds International Equity Index Fund	10.5%
Neuberger Berman International Select Fund	14%
DFA International Small Company Portfolio	4.5%
Vanguard Emerging Markets Select Stock Portfolio	7%

Portfolio Performance¹

at NAV

w/ sales charge

As of October 31, 2024

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
B	12.83	1.03	28.24	2.95	8.78	8.69	1.72	9/28/16

Fee Structure B Accounts are subject to a contingent deferred sales charge ranging from 0.50% to 5.00%. For complete details visit with your investment professional or review “Exhibit D – Fee Structure B Information” in the Program Disclosure Statement. Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 12/31/2023

					Average Annual Total Returns (%)³
Real Estate Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Principal Global Real Estate Securities Fund Fact Sheet, Prospectus, Annual Report	0.88	PGRSX	15.75	10.91	10.91	0.12	3.79	4.69	11/25/14
					Average Annual Total Returns (%)³
Domestic Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
DFA U.S. Large Cap Value Portfolio Fact Sheet, Prospectus, Annual Report	0.21	DFLVX	9.07	11.47	11.47	10.39	10.90	8.33	2/19/93
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.05	NOSIX	11.68	26.20	26.20	9.90	15.57	11.92	10/7/96
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.55	TRLGX	14.26	46.21	46.21	5.29	15.92	13.99	10/31/01
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOMIX	11.61	16.31	16.31	7.95	12.46	9.11	3/22/05
Northern Funds Small Cap Value Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSGX	13.99	16.83	16.83	2.12	9.77	6.99	9/3/99
T. Rowe Price Integrated U.S. Small-Cap Growth Equity Fund Fact Sheet, Prospectus, Annual Report	0.66	TQAIX	12.71	21.35	21.35	1.67	11.61	9.14	3/23/16
					Average Annual Total Returns (%)³
International Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Northern Funds International Equity Index Fund Fact Sheet, Prospectus, Annual Report	0.50	NOINX	10.12	18.95	18.95	6.50	7.44	3.09	4/1/94
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.81	NILIX	10.63	14.65	14.65	0.71	8.32	4.56	10/6/06
DFA International Small Company Portfolio Fact Sheet, Prospectus, Annual Report	0.39	DFISX	10.75	14.43	14.43	2.71	8.02	4.94	9/30/96
Vanguard Emerging Markets Select Stock Fund Fact Sheet, Prospectus, Annual Report	0.78	VMMSX	6.12	10.58	10.58	-3.68	4.67	2.98	6/27/11
					Average Annual Total Returns (%)³
Commodities Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Parametric Commodity Strategy Fund Fact Sheet, Prospectus, Annual Report	0.65	EIPCX	-3.49	-4.69	-4.69	13.30	11.42	2.35	5/25/11