Age-Based Conservative Ages 15-16

Portfolio Overview

The Portfolio seeks growth of current income and low to moderate growth of capital.

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

U.S. Equities	13%
International Equities	5%
Real Assets	2%
Fixed Income	72%
Money Market	8%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	8%
Fixed Income
PIMCO Short-Term Fund	25%
Fidelity Advisor Investment Grade Bond Fund	11.5%
PGIM Total Return Bond Fund	13.5%
American Century Short Duration Inflation Protection Bond Fund	12%
BlackRock High Yield Bond Fund	5%
AB Global Bond Fund	5%
Real Assets
Principal Global Real Estate Securities Fund	1%
Parametric Commodity Strategy Fund	1%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	3%
Northern Funds Stock Index Fund	5%
T. Rowe Price Instl. Large-Cap Growth Fund	3%
Northern Funds Mid Cap Index Fund	2%
International Equity
Northern Funds International Equity Index Fund	2%
Neuberger Berman International Select Fund	2%
DFA International Small Company Portfolio	1%

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	5.29	0.87	11.63	1.17	2.84	2.89	1.67	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
Money Market Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
State Street U.S. Government Money Market Fund* Fact Sheet, Prospectus, Annual Report	0.12	GVMXX	1.34	5.08	5.08	2.21	1.83	1.19	10/25/07
					Average Annual Total Returns (%)³
Fixed Income Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
PIMCO Short-Term Fund Fact Sheet, Prospectus, Annual Report	0.45	PTSHX	1.42	6.08	6.08	1.96	2.27	2.02	10/7/87
Fidelity Advisor Investment Grade Bond Fund Fact Sheet, Prospectus, Annual Report	0.36	FIKQX	6.90	6.72	6.72	-2.85	2.08	2.31	8/6/71
PGIM Total Return Bond 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.39	PTRQX	7.16	7.78	7.78	-3.20	1.73	2.66	12/27/10
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.43	APISX	2.96	4.10	4.10	2.20	3.35	1.95	5/31/05
BlackRock High Yield Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	BHYIX	6.82	13.56	13.56	2.50	5.61	4.55	11/19/98
AB Global Bond Fund Fact Sheet, Prospectus, Annual Report	0.51	ANAZX	6.76	6.98	6.98	-2.18	1.15	2.30	10/15/13
					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
					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
					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