401 (K) Enrollment Book

Plan for the life you want
in retirement.
R E T I R E M E N T: A N E W B E G I N N I N G
When you think about your first day of

retirement, what do you see? Are you
relaxed and energized, thinking about all
the wonderful new possibilities ahead?
LETS EXPLORE THE POSSIBILITIES
Dear Employee,
Congratulations! You have reached an important milestone and you are now eligible to participate
in the Virginia International University 401(k) Plan.
We are pleased to be able to offer you this benefit. Planning for retirement may not be one of the
most exciting things you will ever do, but, taking some time now will put you in a position to be
better prepared financially.
We hope that you use the information in this enrollment kit, take advantage of this benefit and
make the most of this opportunity.
What Are The Next Steps?

1. Read through the enrollment kit.
2. Enroll in the plan today by completing the Enrollment and Beneficiary Forms.
3. Turn these forms into our Human Resources office.
Please contact our Human Resources office if you have any questions. Again, we are pleased to be
able to offer you this key benefit and wish you the best in preparing for and achieving your
retirement goals.
Sincerely,
Prashish Shrestha
Virginia International University

Virginia International University 401(k) Plan Highlights
ELIGIBILITY
All employees must meet the eligibility requirements listed below for:
All contributions.
You must be 21 years old.
You must complete 3 months of Service with at least 360 hours of service worked during
those 3 months.
ENROLLMENT
PERIODS
On meeting the eligibility requirements you may join the Plan:
CONTRIBUTIONS
Employee Contributions
The first day of the month coinciding with or after meeting the eligibility requirement(s).
Through payroll deduction, you can make pre-tax contributions from 1.00% up to
100.00% of your eligible compensation. An Internal Revenue Service (IRS) dollar limit
applies. The dollar limit is $18,000 for 2015. All eligible employees will be automatically
enrolled into the Plan at 3% of compensation, unless they opt out by completing the
enrollment form.
Roth Contributions
The Plan allows you to make after-tax Roth contributions to your Retirement Plan. The
Internal Revenue Code dollar limit also applies cumulatively to your employee pre-tax
contributions and your Roth contributions. The dollar limit is $18,000 for 2015. To
qualify for tax-free withdrawals, your money must remain in the account for five years
and you must have reached 59 1/2. Unlike Roth IRAs, there is no income limit on who
can make Roth contributions to a Retirement Plan. However, Roth contributions may be
limited by applicable nondiscrimination rules for Retirement Plans. See your Plan
Administrator for more details.
Catch-Up Contributions
If you are age 50 or older and make maximum allowable deferrals to your Plan, you are
entitled to contribute an additional "catch-up contribution". The catch-up contribution is
intended to help eligible employees make up for smaller contributions made earlier in
their career. The maximum catch-up contribution is $6,000 for 2015. See your Plan
Administrator for more details.
Employer Contributions
Match
The Plan provides for a matching contribution of 100% of Employee Deferrals not to
exceed 3% of compensation, plus 50% on the next 2% Deferred.
Profit Sharing
Your employer may make Profit Sharing contributions at its discretion, which will be
allocated among all eligible employees, whether or not they make contributions.

Employer contributions benefit all eligible employees.
Contribution Changes
You may increase or decrease the amount of your contributions at the beginning of
the next payroll period.
You may stop your contributions at any time.
VESTING
Vesting refers to your 'ownership' of a benefit from the Plan. The money that you
contribute and the money it earns are always 100% vested. Any rollover or transfer
contributions you make are also 100% vested.
Employer Match
Years of Service
Vesting %
Years of Service
Vesting %
2
3
4
5
6
20%
40%
60%
80%
100%
2
3
4
5
6
20%
40%
60%
80%
100%
In order to be credited with a year of

vesting, Participant must work at least
1,000 hours during the Plan Year.
WITHDRAWALS
Profit Sharing
In order to be credited with a year of vesting,

Participant must work at least 1,000 hours
during the Plan Year.
Funds may be withdrawn from your Plan account in these

events:
Age 59 1/2 or older
Financial Hardship
Termination of Service
Death
Disability
For age 59.5 and Hardship Distributions, you may take a distribution of Elective Deferrals
and Rollover balances only. Rollover balances themselves may be taken at any time.

LOANS
The Plan is intended to help you put aside money for your retirement. However your
employer has included a Plan feature that lets you borrow money from the Plan.
You can have 1 loan outstanding at a time. The minimum loan amount is $1000.00.
A Participant loan may be for any reason and can be taken from all vested sources.
The amount you may borrow is limited by rules under the tax laws. In general, all loans will
be limited to the lesser of one-half of your vested account balance or $50,000.
Other requirements and limits must be met, and certain fees may apply. Refer to the
Summary Plan Description for more details about this participant loan feature.
HARDSHIP
WITHDRAWALS
If you have an immediate financial need created by severe hardship and you lack other
reasonably available resources to meet that need, you may be eligible to receive a hardship
withdrawal from your Plan. Hardship withdrawals may be taken from 401(k) Deferrals and
Rollover balances only.
A hardship, as defined by the government, can include:

Purchase of your primary residence
Payment of tuition and related costs for the employee, spouse, dependents,
or children who are no longer dependents for post-secondary education
Payment of certain medical expenses
Prevention of eviction from, or foreclosure on, your primary residence
Funeral/burial expenses for a parent, spouse, child or dependent
Repair of damages to employee's primary residence that qualifies for casualty
deduction
ROLLOVERS
You are allowed to roll over money into your account. See your Summary Plan Description
or Plan Administrator for rollover details.
After meeting the eligibility requirement(s), Rollovers are allowed from Qualified Plans,
403(b), and 457(b).

404(c)
STATEMENT
The Plan is intended to comply with ERISA Section 404(c) regulations. This simply means
that you "exercise control" over some or all of the investments in your Plan account. The
fiduciaries of the Plan may be relieved of liability, or responsibility, for any losses that you
may experience as a direct result of your investment decisions. As a Plan participant, you
may request certain information from:
Prashish Shrestha
4401 Village Drive
Vienna, VA 22030
571-382-0918
CONTACT
INFORMATION
Financial Advisors
Lee Hoffman
Merrill Lynch
8075 Leesburg Pike, Ste. 600
Vienna, VA 22182
lee_hoffman@ml.com
703-748-6388
Grant Marsh
Merrill Lynch
8075 Leesburg Pike, Ste. 600
Vienna, VA 22182
grant_marsh@ml.com
703-748-6388
ACCOUNT
INFORMATION
Participant Web Site
www.accesscdm.com
Automated Voice Response Number
888-203-4015
Customer Service Number
888-203-4015
R E T I R E M E N T: A N E W B E G I N N I N G
When you think about your first day of retirement, what

do you see? Are you relaxed and energized, thinking
about all the wonderful new possibilities ahead?
Todays retirees are living longer than
ever before well into their 70s, 80s,
90s, and even 100s and are pursuing
diverse and active lifestyles. They
volunteer, travel, exercise, help care
for grandchildren and other family
members, and even continue to work,
ideally on their own terms. Retirement
is no longer viewed as a time of rest
after years of hard work, but the
beginning of a brand new stage of life,
complete with new adventures. How
will you create yours?
Before you answer, consider this:
Most people will probably need
between 70% and 100% of their final
income each year during retirement to
afford a comfortable lifestyle.
But theres a catch: Your income needs

to increase a bit each year to keep
up with the rising cost of living. For
example, if you retire making $60,000
and decide that youll need 80% of that
amount to live on, youll need a little
more than $48,000 in your first year of
retirement (including any income you
would receive from Social Security). Then
each year after that, your retirement
income will need to rise to maintain your
lifestyle.
That means youll need a sizable amount
of money set aside before you retire in
order to provide the income youll need
during retirement.
Theres good news: your employer

offers one of the most valuable
employee benefits available today a
defined contribution retirement savings
plan. By taking full advantage of your
employers plan, you can help make your
retirement the best stage of your life.
R E T I R E M E N T: YO U R R E T I R E M E N T I N C O M E S T R AT E G Y
Social
Security
Retirement
Savings Plan
Traditional
Pension
Real Estate,
Other Savings,
Investments &
Other Assets
How Much Will You

Receive From Social
Security?
Social Security has been
the subject of much
debate in recent years.
While some folks hope
to rely on Social Security
for all of their retirement
income, others question
whether Social Security
will help much at all.
For most people, the
reality probably falls
somewhere in the
middle. To get an
estimate of your Social
Security benefits, visit
www.socialsecurity.gov.
In our parents and grandparents era, retirement income

was built from what was often referred to as the threelegged stool. One leg was Social Security; the second leg
was an employer benefit known as a pension plan; and
the third was an individuals own personal savings.
Unfortunately, traditional pension
plans are rare nowadays only a small
percentage of companies offer one - and
Social Security has become the source of
much debate (see sidebar). Tomorrows
retirees will likely need to piece together
their income from a variety of sources,
which might include the traditional legs
mentioned above, as well as other sources
of income, such as real estate, insurance
and annuities, and perhaps even income
from a part-time job or a new business

venture.
And fortunately for you, a potentially
strong source of retirement income could
be your employer-sponsored retirement
savings plan. By taking full advantage of
your plan now, you could make it the core
piece of your retirement income strategy
down the road.
What Does It Take to Provide Income for a Retirement That Lasts 25 years?
This table offers a glimpse of how much it might take to provide 70% of a given
salary each year for 25 years, using certain assumptions, including the fact that
your salary will rise by 3% a year until you retire. These amounts do not consider
any current savings you may have, or other possible income sources such as Social
Security. They are meant to show how important it is to plan ahead.
To see how these figures might compare to your own savings target, use a
goal-setting worksheet or an online retirement goal-setting calculator, or visit
a financial professional.
Current
Salary
Years Until Retirement

10
20
30
$40,000
$822,189
$1,104,953
$1,484,965
$60,000
$1,233,284
$1,657,430
$2,227,448
$80,000
$1,644,378
$2,209,907
$2,969,930
Figures are hypothetical and

for illustrative purposes only.
They assume a 3% inflation
rate and a rate of return
during retirement of 4% per
year. Inflation and returns
will fluctuate over time and
cannot be guaranteed. Taxes
are not considered.
Benefits for Today and Tomorrow. Your retirement savings

plan offers three primary benefits, including convenience,
tax advantages, and a variety of investments to consider.
1 Convenience:
When you participate in an employersponsored savings plan, your

contributions are taken directly from
your paycheck. This process makes
saving easy, allowing you to pay yourself
first, automatically, each pay period.
In addition, some employers offer an
employer matchextra money that goes
into your plan based on how much you
contribute. If your plan offers a match,
be sure to save at least enough to get
the full amount. The money is similar to a
guaranteed return on your contribution
dollars.*
2 Tax advantages:
Depending on the type of plan your

employer offers, you could cut your tax
bill both now and in the future. With
a traditional pretax savings plan,
contributions are deducted from your
pay before income taxes. That means
your taxable incomeand the amount
you pay to Uncle Sam each year you
participate in the planis lower. In
addition, your account benefits from
tax deferral. Unlike other investment
accounts that require you to pay taxes
each year on the earnings, qualified
retirement plans allow you to put off

paying taxes on your earnings until you
withdraw the money. Some plans also
offer a Roth account. With Roth accounts,
your contributions are taken from your
pay after taxes, but withdrawals are tax
free if certain requirements are met.**
Immediate Benefits of Pretax Contributions
Employee 1 Employee 2
Bi-Weekly Pay
$2,000
$2,000
Plan Contribution
$0
$120
Taxable Pay
$2,000
$1,880
Taxes Paid
$500
$470
This example assumes a 25% federal tax rate and a 6% plan

contribution, and has been simplified for illustrative purposes. Your
results will differ based on your unique circumstances.
3 Investment choice:
Your plan offers many different types
of investments. This will help you put
together a strategy to pursue your saving
goals with a comfortable level of risk (see
Investing 101 for more information).
*Employer matches are often subject to a vesting schedule, which
means you need to be employed for a certain amount of time
before the match money, and any earnings on it, is entirely yours.
**Withdrawals from non-Roth plans and nonqualified
withdrawals from Roth plans will be taxed at then-current rates.
In addition, early withdrawals will be subject to a 10% penalty tax.
See your Summary Plan Description for more details.
Amount Contributed: $120

Immediate Savings: $30
R E T I R E M E N T: I N V E S T I N G 101
Once you've made the decision to set aside money

for retirement, the next important decision you'll make
is how to invest that money. It is helpful to understand
a few concepts and how they relate to your individual
circumstances.
Risk/Reward
Comparison Key
High Risk/Reward
Mid Risk/Reward
Low Risk/Reward
First, let's consider some basic principles

of investing. The investment options
available in your plan may range from
not so risky ("conservative") to very
risky ("aggressive"). Riskier investments
typically offer the chance for higher
returns over the long term but they
also come with a greater chance of
losing your savings.
Using a mix of different investments, a

process known as "diversification," can
help you manage risk in your portfolio.
The investments in your plan can
generally be placed in one of three
categories called "asset classes." They are
stocks, bonds, and cash (also known as
capital preservation). Each asset class has
a different risk/return personality.
Stocks

Bonds
Cash

Higher Risk, Higher

Potential Reward
Moderate Risk, Moderate

Potential Reward
Lower Risk, Lower

Potential Reward
Stocks represent ownership

in a company i.e., when you
own stock in an organization,
you actually own a small
piece of that company. The
number of shares you own
determines how much of the
company you own. Stocks are
the most risky of the three
asset classes, and therefore
tend to offer the best
potential for higher returns
over time. But they also may
present the greatest risk to
your money.
Bonds represent loans you

(the bondholder) make to a
company or a government
(the borrower). In return for
the money you provide, the
borrower promises to pay
interest income at a stated
rate. However, there are no
guarantees that the borrower
will continue to make its
promised payments or that
you will get the full value
of your loan back. For this
reason, bonds fall in the midrange of the risk/return scale.
These investments are

designed to protect your
money. Although they
are considered low risk in
the sense that there is a
small chance of losing your
investment dollars, there
is a larger risk that your
money wont grow enough
to adequately pursue your
savings goal.
This chart illustrates the historical growth of $1.00 invested in stocks, bonds, and
cash for the 20 years ended December 31, 2013. It also shows how costs rise over
time (inflation). As you think about your risk tolerance and how it relates to your asset
allocation, consider your ability to ride out the dips in the value of your retirement
savings plan in pursuit of long-term gains.
20-year historic performance of the three

major asset classes and inflation
Sneaky Inflation
(results of $1 invested in January 1994)
Annualized average returns
Small Stocks
Large Stocks
Bonds
Cash
Inflation
$8.02
11%
$5.82
9.2%
6.0% $3.24
Why take on any risk at

all in your retirement
savings plan? One
important reason is the
need to beat inflation,
or the rising cost of
living. Consider how
much some everyday
purchases could cost
after 20 years at a 3%
inflation rate.
4.0%
3.0% $1.80
$1
2.3% $1.57
January 1994
December 2003
December 2013
Source: Morningstar Principia. Performance covers the 20-year period ended December 31, 2013. Small stocks are represented by the Russell 2000 Value Index; large stocks are represented by the S&P 500 Index; bonds are represented by the Barclays
Capital Aggregate Bond Index; cash is represented by the 90-day U.S. Treasury bill; and inflation is represented by the Consumer Price Index. Indexes do not take into account the fees and expenses associated with investing, and individuals cannot
invest directly in any index. Past performance cannot guarantee future results.
All investing involves risk, including the possible loss of principal. Stocks are particularly susceptible to volatility and market
risk, or the risks that their prices will fluctuate with overall market conditions, and small stocks tend to experience wider
price swings than large stocks. Bonds are subject to interest rate risk, or the risk that bond prices will decline with rising
interest rates, as well as credit risk, or the possibility that the bond issuers will not be able to make their promised interest
payments or repay principal. Cash investments are most susceptible to inflation risk, or the risk that returns will not keep
pace with the rising cost of living. There can be no assurance than any investment strategy will be successful.
............................
Gallon of milk
20 Years
$3.50 today
$6.32
............................
Haircut
20 Years
$30 today
$54.18
............................
Running shoes 20 Years
$85 today
$153.52
............................
New car
20 Years
$20,000 today
$36,122
R E T I R E M E N T: C H O O S I N G YO U R I N V E S T M E N T S
Most retirement savings plans offer access to the three asset classes through mutual
funds. These investments bring together the money from many different retirement
plan participants to buy a pool, or portfolio, of individual stocks, bonds, and/or cash
investments. By investing in a fund or several funds, you own small portions of each
individual security. You are also taking advantage of the principle of diversification,
which helps you manage risk. You select funds for your needs based on each funds
objective (what it is designed to achieve).
Something to
Consider
Before investing in a
mutual fund, carefully
consider its investment
objectives, risks, fees,
and expenses, which
can be found in the
prospectus available
from the fund. Obtain a
copy of the prospectus
and read it carefully
before investing.
Following are some common fund objectives

Typical
objective
Description
Invests in
Risk level
Growth
Growth of investment dollars over

time (can be more
or less aggressive)
Mainly stocks
Tend to offer
higher long-term
average returns,
but carry most risk
of loss
Income
Provide stream of
income over time
Mainly bonds
Generally fall in the

middle of the risk/
return spectrum
Cash investments
and low-risk
bonds
Most conservative
offerings in the
plan; tend to offer
lowest returns
Capital
Protect investPreservation ment dollars
When you choose investments for your retirement

savings plan, you use a process called asset allocation,
which refers to how you divide your investment dollars
among the three main asset classes. But how do you
make your choices?
Savings
Goal
Time
Horizon
Risk
Tolerance
Investment
Mix
Three main factors that will help guide your asset allocation decision:
Savings goal
Time horizon
Risk tolerance
How much you want to

have in your retirement
savings plan account at
retirement
How long until you

retire
How much risk you are

willing to take with your
savings to pursue returns
Generally speaking, a large goal, a high tolerance for risk, and a long time horizon
would translate into a more aggressive strategy and a higher allocation to stock/
growth investments. The opposite is also true: smaller goals, a low tolerance for risk,
and a shorter time horizon might require a more conservative approach.
A careful analysis of these three personal factors can help you make thoughtful,
strategic choices for your retirement savings plan. The goal setting and risk tolerance
worksheets that may be included in this booklet can also help, or consider working
with a financial professional.
Also keep in mind that there is no guarantee that any investment strategy will
be successful; all investing involves risk, including the possible loss of principal.
And remember that asset allocation and diversification cant guarantee a profit or
eliminate the possibility of potential losses, including the loss of principal.
Investment Mix
Your savings goal,
time horizon and
risk tolerance help
to determine your
investment mix.
R E T I R E M E N T: T H E P O W E R O F C O M P O U N D I N G
Compounding, the most powerful force in the universe

It is believed that Albert Einstein once called compounding the most powerful force in
the universe. Compounding is when your money earns returns, and then those returns
earn more returns themselves. In your retirement savings account, compounding can
be a driving force behind your rate of success.
Age 50 and Over:

Heres a Chance to
Catch Up!
If you are age 50 or
over and are just now
beginning to plan for
retirement, dont panic.
Special Internal Revenue
Service (IRS) catch up
rules allow you to save
more in your retirement
savings plan. While most
workers can contribute
up to $17,500 in 2013,
savers age 50 and older
can save up to $23,000
in 2013. The IRS reviews
these figures each year
for possible adjustments.
Plan now for your retirement.

No matter what your age, now
is the time to begin planning for
retirement. And an important first
step is participating in your employersponsored retirement savings plan.
Lets say you contribute $120
to your retirement savings

plan on a biweekly basis.
Assuming you earn a 7% rate
of return each year, your
results would look like this:
The Compounding Difference

$350,000 -
$318,381
$300,000 $250,000 $200,000 $150,000 -
$135,835
$100,000 $ 50,000 $0 -
Thats the power of
compounding at work. And

the longer your time horizon,
the more dramatic the
results may be.
$45,100
10
20
30
Number of Years Invested
Time
horizon
Total amount
saved
Total amount
accumulated
10 years
$31,200
$45,100
20 years
$62,400
$135,835
30 years
$93,600
$318,381
These examples are hypothetical, for illustrative purposes only, and do not represent
the performance of any actual investment. Returns will change from year to year, and
cannot be guaranteed. You may also lose money in your retirement plan investments.
1
Contribute as much as you
can (up to plan limits) to
benefit from any employer
match, as well as current
and future tax advantages.
2
Invest thoughtfully and
strategically, based on your
savings goal, time horizon,
and risk tolerance.
3
Review your plan at least
annually to ensure
it stays on track.
E S T I M AT E YO U R R E T I R E M E N T S AV I N G S G OA L
10
15
20
25
30
35
40
Factor A
1.16
1.34
1.56
1.81
2.09
2.43
2.81
3.26
Factor B
4.90
9.58
14.03
18.27
22.32
26.17
29.84
33.34
Years until retirement
How much might you need to retire? Use this worksheet to help target a total accumulation goal.
1.
How much is your current income?
2.
ultiply this amount by .80. This is an estimated annual income in retirement, in todays
M
dollars, based on 80% of your current income. (Or enter a different amount, if you choose. Most
experts suggest 70% to 100% of your current annual income.)
3.
How much might you receive from Social Security each year, in todays dollars? Visit
www.socialsecurity.gov to estimate your Social Security income.
4.
How much might you receive each year from other sources, in todays dollars, such as
pension income?
5.
Add lines 3 and 4. This is your total estimated annual income, in todays dollars, from
other sources.
6.
Subtract line 5 from line 2. This is your estimated income gap, which you will need to make
up from your retirement savings.
7.
How many years until you retire?
8.
Find the corresponding factor from Factor A (above) and enter it here.
9.
Multiply line 6 by line 8. This is the amount that your savings will need to generate in year
one of your retirement.
10. How long do you expect your retirement to last?

11. Find the corresponding number from Factor B (above) and enter it here.
12. Multiply line 9 by line 11. This is the target amount you may need to accumulate by the
time you retire.
This worksheet assumes that inflation rises at an average of 3% per year both before and during
retirement. It also assumes that your investments grow at an average of 6% per year before
retirement, and 4% per year during retirement. Such assumptions are hypothetical and cannot
be guaranteed.
This worksheet is not meant as advice, but as a way to provide a general estimate for illustrative
purposes. Your specific goal should take into consideration your total family income, your
current and expected assets, and other unique circumstances. A financial professional can help
you calculate a goal that is specific to your particular situation.
Example
You
$60,000
1. $__________
$40,000
2. $__________
$23,000
3. $__________
$0
4. $__________
$23,000
5. $__________
$17,000
6. $__________
20 years
7. ___________
1.81
8. ___________
$30,770
9. $__________
25 years
10. __________
22.32
11. __________
$686,786
12. $_________
BlackRock Ready Assets Prime Money

Investment Policy
Fund Overview as of 09/30/2014

Management Company
BlackRock
100 Bellevue Parkway
Wilmington, DE 19809
800-221-7210
MRAXX
Ticker
0.70%
Expense Ratio
Month End NAV (09/30/2014)
$1.00
Sub-Advisor
None
Asset Classification
Money Market-Taxable
Management Team
Fund Manager
5.09 Yr(s)
Fund Manager Tenure
High
Growth of $10,000 Investment as of 09/30/2014
Medium
12K
10K
8K
Low
02/19/1975
Inception Date
Share Class Assets
Avg 12 Month Turnover
96 Style Box
n/a
Redemption Fees
n/a
# of Securities
6K
4K
Money Market Limtd Mod Extr

2,320.6 Million MorningStar
Asset Type
The investment seeks preservation of capital, liquidity and the

highest possible current income consistent with this objective
available from investing in a diversified portfolio of short-term
money market securities. The fund seeks to achieve its
investment objective by investing in a diversified portfolio of
short-term money market securities. These securities are
generally debt securities and other instruments that mature
within 13 months, with certain exceptions. It only invests in
money market instruments of issuers with one of the two highest
short-term ratings.
2K
0K
04
05
06
07
08
09
10
11
12
13
14
Performance shown in the Growth of $10,000 chart does not

include any applicable sales charges and fees. The chart
represents a hypothetical investment at the beginning of the
time period shown.
Top 10 Holdings as of 07/31/2014

Holding Name
Investment Risk
Rating data is currently not available
Annualized Performance as of 09/30/2014

Fund
Morningstar Cat*
Category Rank
3 mos
YTD
1 Yr
3 Yrs
0.00%
0.00%
0.00%
0.00%
0.01%
1.48%
5.24%
-0.01%
0.00%
0.01%
0.02%
0.02%
1.43%
---
n/a
n/a
n/a
n/a
n/a
n/a
5 Yrs 10 Yrs
Life
Asset Allocation as of 07/31/2014

95.67%
Cash
* Morningstar Money Market-Taxable Average

The performance information contained herein represents past performance. Past
performance does not guarantee future results. The investment return and principal value
of an investment will fluctuate so that your investment, when redeemed, may be worth
more or less than their performance data quoted. Current performance may be higher or
lower than the performance shown here. The most recent month-end performance
information for the Fund may be obtained by contacting the mutual fund company at
800-221-7210.
2009
2010
2011
2012
2013
0.23%
0.01%
0.00%
0.00%
0.00%
You should consider the investment objectives, risks, charges and expenses of the
Fund carefully before investing. This and other information is contained in the Funds
Prospectus, which can be obtained by contacting the mutual fund company at
800-221-7210. You should read the Prospectus carefully before choosing a Fund.
SEE DISCLOSURE PAGE FOR ADDITIONAL INFORMATION.
Fixed
3.71%
Other
0.62%
Asset Allocation may equal less than or greater than 100% due to
hedged funds or leveraged cash positions by the fund.
Top Sectors By Percent** as of 07/31/2014
Calendar Year Performance as of 09/30/2014

BlackRock Ready Assets Prime
Money
Percent of TNA
Mizuho Securities Usa, Inc., 0.10% 8/01/14(To Be Repurchased

3.01% At 70,
U.S. Treasury Notes: 0.25%
2.71%
Sumitomo Mitsui Banking Corp., Ny 0.25%
2.62%
Collateralized Commercial Paper Co. Llc : 0.27%
2.59%
Citibank Na 0.24%
2.41%
Natixis U.S. Finance Co. Llc., 0.10%
2.28%
U.S. Treasury Notes: 0.09%
2.21%
Wells Fargo Bank Na, 0.22%
2.15%
Rabobank Nederland Nv, Ny: 0.27%
1.93%
Canadian Imperial Bank Of Commerce, Ny : 0.29%
1.92%
Percent of Assets in Top Holdings
23.83%
Data is based on information collected from the investment
company, is updated as of the date shown on the section's title, and
will vary over time.
Cash and Equivalents
95.67%
Government 3.06%
Agency Mtg Backed 0.64%

** Sector weightings based on Industry Classification Benchmarks
(ICB) Industries
JPMorgan Core Plus Bond C

Investment Policy

Management Company
JPMorgan
Jpmorgan Trust II
245 Park Avenue
New York, NY 10167
800-480-4111
Intermediate-Term
OBDCX
Ticker
1.40%
Expense Ratio
$8.36
Sub-Advisor
None
Fund Manager
Team
High
Medium
Low
7.24 Yr(s)
Fund Manager Tenure
05/30/2000
Inception Date
Asset Type
Taxable Bond
Share Class Assets
2,768.7 Million
2479
# of Securities
Limtd Mod Extr
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
04
05
06
07
08
09
10
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
Fund
-0.04%
4.01%
4.56%
3.89%
5.23%
4.59%
5.27%
Morningstar Cat*
-0.09%
4.01%
4.34%
3.41%
4.80%
4.45%
---
47%
54%
42%
35%
36%
46%
Category Rank
5 Yrs 10 Yrs
Life
13
14
Percent of TNA
US Treasury Bond 5.5%

1.03%
U S Treas Sec Stripped Int Pmt
0.85%
0.69%
0.69%
0.53%
0.51%
0.48%
0.48%
Ml-Cfc Coml Mtg Tr 2007-9 CMO 5.7%
0.45%
FNMA 3.5%
0.44%
6.15%

96.33%
Fixed
* Morningstar Intermediate-Term Bond Average

800-480-4111.
Cash
Other
Equity
2.74%
0.84%
0.08%

12

Holding Name
Conservative
11

time period shown.
25.00%
The investment seeks a high level of current income by investing

primarily in a diversified portfolio of high-, medium- and
low-grade debt securities. The fund normally invests at least
80% of its assets in bonds. Under normal conditions, at least
65% of the fund's total assets must be invested in securities
that, at the time of purchase, are rated investment grade (or the
unrated equivalent). It may invest up to 35% of net assets in
foreign securities, including securities denominated in foreign
currencies.
2009
2010
2011
2012
2013
15.21%
9.12%
5.92%
6.31%
-0.50%
Corporate Bond
Agency Mtg Backed
Government
Asset Backed
Non-Agency Res Mtg Bk
Commercial Mtg Backed
Government Related
Bank Loan
Convertible
Muni Taxable
Basic Materials
Consumer Cyclical
Utilities
21.09%
15.20%
10.47%
8.92%
5.46%
2.74%
1.87%
0.60%
0.27%
0.27%
0.06%
0.01%
0.01%
32.28%

(ICB) Industries
AllianceBern High Income C

Investment Policy

Management Company
AllianceBernstein
Alliancebernstein High Income Fund Inc
1345 Avenue Of The Americas
New York, NY 10105
800-221-5672
Multisector Bond
AGDCX
Ticker
1.60%
Expense Ratio
$9.50
Sub-Advisor
None
Fund Manager
Team
High
Medium
Low
8.71 Yr(s)
Fund Manager Tenure
02/25/1994
Inception Date
Asset Type
Taxable Bond
Share Class Assets
6,922.6 Million
1288
# of Securities
Limtd Mod Extr
MorningStar
Style Box
n/a
Redemption Fees

28K
24K
20K
16K
12K
8K
4K
0K
04
05
06
07
08
09
10
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
Fund
-1.53%
3.78%
6.69% 10.71%
9.79%
9.19% 10.33%
Morningstar Cat*
-1.02%
3.84%
5.81%
6.56%
7.18%
6.05%
72%
49%
30%
9%
13%
n/a
Category Rank
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
---

800-221-5672.
60.49% 15.91%
14
Percent of TNA

79.08%
2011
2012
1.21% 17.75%
Cash
Other
Equity
13.14%
7.63%
0.16%
Top 15 Sectors By Percent** as of 08/31/2014

2010
13

0.73%
Ivory Coast Republic 2.5%
0.61%
Brazil(Fed Rep Of) 10%
0.61%
Venezuela Rep 9.25%
0.49%
Iasis Cap Llc / Iasis Cap 8.375%
0.32%
Laureate Educ 144A 9.25%
0.31%
Bmc Software Fin 144A 8.125%
0.29%
Pra Merger Sub 144A 9.5%
0.27%
Travelport Llc (Fka Travelport, Inc.) 9.50%
0.27%
Dubai Hold Comm Op 6%
0.26%
4.16%
Fixed
* Morningstar Multisector Bond Average
2009
12

Holding Name
Conservative
11

time period shown.
38.00%
The investment seeks to maximize total returns from price

appreciation and income. The fund pursues income
opportunities from government, corporate, emerging market and
high-yield sources. It has the flexibility to invest in a broad range
of fixed-income securities in both developed and emerging
market countries. The fund's investments may include U.S. and
non-U.S. corporate debt securities and sovereign debt
securities. It may invest, without limitation, in either U.S.
Dollar-denominated or non-U.S. Dollar-denominated
fixed-income securities.
2013
5.72%
Corporate Bond
Government
Commercial Mtg Backed
Preferred
Convertible
Bank Loan
Agency Mtg Backed
US Muni Tax Advtged
Muni Taxable
Asset Backed
Financial Services
Government Related
Basic Materials
13.18%
10.73%
5.27%
2.51%
1.50%
0.78%
0.54%
0.32%
0.30%
0.30%
0.19%
0.15%
0.05%
0.01%
57.27%

(ICB) Industries
Columbia Limited Duration Credit C

Investment Policy

Management Company
Columbia
Columbia Funds Series Trust II
225 FRANKLIN STREET
BOSTON, MA 02110
800-345-6611
Short-Term Bond
RDCLX
Ticker
1.58%
Expense Ratio
$9.93
Sub-Advisor
None
Fund Manager
Team
High
Medium
Low
6.39 Yr(s)
Fund Manager Tenure
06/19/2003
Inception Date
Asset Type
Taxable Bond
Share Class Assets
1,171.6 Million
142
# of Securities
Limtd Mod Extr
MorningStar
Style Box
n/a
Redemption Fees

14K
12K
10K
8K
6K
4K
2K
0K
04
05
06
07
08
09
10
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
Fund
-0.53%
0.89%
1.54%
2.51%
3.04%
2.87%
2.62%
Morningstar Cat*
-0.18%
1.06%
1.47%
1.85%
2.49%
2.93%
---
92%
53%
38%
25%
26%
54%
Category Rank
5 Yrs 10 Yrs
Life
* Morningstar Short-Term Bond Average

800-345-6611.
13
14
2009
2010
2011
2012
2013
14.60%
5.38%
1.64%
5.08%
0.35%
Percent of TNA
NYSE/Liffe 10 Year US Treasury Note Future Dec14

22.55%
5 Year US Treasury Note Future Dec14
4.25%
NYSE/Liffe 2 Year US Treasury Note Future Dec14
2.18%
Transalta 1.9%
2.12%
British Sky Broadcstg Grp 144A 3.125%
1.99%
General Mls Inc Medterm Nts Be 6.19%
1.97%
Verizon Comms 3.5%
1.80%
Liberty Mut Grp 144A 6.7%
1.70%
Dominion Res Inc Va New 4.45%
1.63%
Five Corners Fdg Tr 144A 4.419%
1.63%
41.82%

Cash
51.01%
Fixed
49.84%
Other
-0.85%

Columbia Limited Duration
Credit C
12

Holding Name
Conservative
11

time period shown.
93.00%
The investment seeks to provide shareholders with a level of

current income consistent with preservation of capital. Under
normal circumstances, the fund invests at least 80% of its net
assets (including the amount of any borrowings for investment
purposes) in corporate bonds. It will primarily invest in debt
securities with short- and intermediate-term maturities generally
similar to those included in the fund's benchmark index, the
Barclays U.S. 1-5 Year Corporate Index (the index).
Corporate Bond
77.86%
51.01%
Government 0.95%
(ICB) Industries
JPMorgan US Equity C
Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
1111 Polaris Parkway, Ste. 2-j
Columbus, OH 43240
800-480-4111
Large Blend
JUECX
Ticker
Expense Ratio
1.47%
$14.76
Sub-Advisor
None
Fund Manager
Team
Inception Date
09/07/2001
Asset Type
U.S. Equity
11,125.4 Million
Share Class Assets
174
# of Securities
n/a
Redemption Fees
n/a
Large
Medium
24K
20K
16K
Small
6.93 Yr(s)
Fund Manager Tenure
The investment seeks to provide high total return from a portfolio

of selected equity securities. Under normal circumstances, the
fund invests at least 80% of its assets in equity securities of U.S.
companies. "Assets" means net assets, plus the amount of
borrowings for investment purposes. In implementing its
strategy, the fund primarily invests in common stocks of largeand medium-capitalization U.S. companies but it may also invest
up to 20% of its assets in common stocks of foreign companies,
including depositary receipts.
12K
8K
Val
4K
Blnd Grwth
0K
MorningStar
Style Box
04
05
06
07
08
09
10
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
Fund
Morningstar Cat*
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
1.11%
7.35% 18.99% 23.18% 14.81%
8.40%
6.72%
-0.08%
6.33% 16.84% 21.59% 14.10%
7.51%
---
Category Rank
19%
37%
30%
25%
38%
19%
* Morningstar Large Blend Average
Percent of TNA

99.22%
32.05% 13.39%
2011
2012
2013
-2.29% 16.30% 34.94%
Cash
0.78%

2010
14
Apple Inc
3.66%
Johnson & Johnson
3.20%
Wells Fargo & Co
2.61%
Schlumberger NV
2.19%
Microsoft Corp
2.18%
Google Inc Class C
2.03%
Time Warner Inc
1.89%
Bank of America Corporation
1.84%
Honeywell International Inc
1.82%
UnitedHealth Group Inc
1.76%
23.18%
Equity

800-480-4111.
2009
13
Investment Risk
3 mos
12

time period shown.
Holding Name
Conservative
11
20.56%
Technology
16.08%
Financial Services
15.28%
Health Care
11.37%
Consumer Cyclical
10.44%
Industrials
10.06%
Energy
5.42%
Consumer Defensive
3.88%
Basic Materials
3.54%
Communication Services
Utilities 2.20%
Cash and Equivalents 0.78%
Real Estate 0.38%

(ICB) Industries
JPMorgan US Small Company C

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
Small Blend
JTUCX
Ticker
Expense Ratio
1.77%
$14.71
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
7.05 Yr(s)
Fund Manager Tenure

Inception Date
11/01/2007
Asset Type
U.S. Equity
583.6 Million
Share Class Assets
366
# of Securities
Val
20K
16K
12K
8K
0K
MorningStar
Style Box
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
Fund
-7.31% -3.29%
5.63% 23.37% 15.37%
7.97%
7.27%
Morningstar Cat*
-6.75% -3.22%
5.66% 20.91% 14.18%
8.10%
---
Category Rank
67%
50%
50%
21%
31%
54%

800-480-4111.

96.58%
2010
33.73% 25.91%
2011
2012
2013
-4.53% 20.41% 39.35%
Cash
Other
3.41%
0.01%

JPMorgan US Small Company
C
Percent of TNA
Iconix Brand Group Inc

1.30%
Minerals Technologies Inc
1.27%
InterDigital Inc
1.27%
Strayer Education Inc
1.17%
Manhattan Associates Inc
1.14%
Dana Holding Corp
1.13%
CYS Investments Inc
1.07%
Tivo Inc
1.06%
Rite Aid Corp
1.04%
AAR Corp
1.03%
11.48%
Equity
* Morningstar Small Blend Average
2009
13

Holding Name
Conservative
12

time period shown.
n/a
Redemption Fees
4K
Blnd Grwth
51.00%
The investment seeks to provide high total return from a portfolio

of small company stocks. Under normal circumstances, the fund
invests at least 80% of its assets in equity securities of small
cap US companies. Small cap companies are companies with
market capitalizations similar to those within the universe of the
Russell 2000 Index at the time of purchase. The fund pursues
returns that exceed those of the Russell 2000 Index while
seeking to limit its volatility relative to this index.
Technology
Industrials
Consumer Cyclical
Financial Services
Health Care
Real Estate
Energy
Consumer Defensive
Basic Materials
Utilities
17.58%
13.41%
12.66%
12.23%
11.42%
8.24%
5.27%
4.98%
4.03%
3.55%
3.41%
3.01%

(ICB) Industries
Federated International Leaders C

Investment Policy

Management Company
Federated
Federated World Investment Series Inc
4000 Ericsson Drive
Warrendale, PA 15086-7561
800-341-7400
Foreign Large Blend
FGFCX
Ticker
Expense Ratio
1.99%
$30.27
Sub-Advisor
None
Fund Manager
Team
Fund Manager Tenure
10.63 Yr(s)
Inception Date
09/30/1998
International Equity
Asset Type
1,692.2 Million
Share Class Assets
56
# of Securities
Large
Medium
24K
20K
16K
Small
4K
Blnd Grwth
0K
MorningStar
Style Box
04
05
06
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
Fund
-6.60% -4.36%
2.16% 18.17%
9.13%
8.33%
8.72%
Morningstar Cat*
-5.62% -2.01%
3.75% 13.05%
6.22%
6.25%
---
4%
13%
Category Rank
81%
85%
73%
3%
* Morningstar Foreign Large Blend Average
Federated International
Leaders C
Percent of TNA

83.79%
2011
2012
2013
48.41% 17.72% -19.11% 29.06% 26.16%
Cash
16.21%

2010
14
Topix Indx Futr Sep14

9.05%
Credit Suisse Group
3.52%
BNP Paribas
2.82%
UniCredit SpA
2.67%
Kering
2.50%
Daimler AG
2.47%
Banco Santander SA
2.45%
Imperial Tobacco Group PLC
2.34%
CRH PLC
2.21%
Bayerische Motoren Werke AG
2.19%
32.22%
Equity

800-341-7400.
2009
13

Holding Name
Conservative
12

time period shown.
n/a
Redemption Fees
12K
8K
Val
5.00%
The investment seeks long-term capital growth. The fund invests

primarily in a portfolio of equity securities issued by foreign
companies that the adviser has deemed as undervalued relative
to the company; the company's competitive position and/or its
growth prospects. It invests primarily in foreign stocks in
developed markets. The fund invests in companies from both
developed (including the United States) and emerging market
countries. It may invest in exchange-traded funds, derivative
contracts and hybrid instruments in order to implement its
investment strategies.
Financial Services
22.32%
Consumer Cyclical
16.38%
16.21%
Industrials
13.21%
10.47%
Basic Materials
Consumer Defensive
7.62%
Technology
2.49%
Real Estate
2.26%

(ICB) Industries
BlackRock Global SmallCap Inv C

Investment Policy

Management Company
BlackRock
Blackrock Global Smallcap Fund, Inc.
100 Bellevue Parkway
Wilmington, MD 19809
800-441-7762
World Stock
MCGCX
Ticker
Expense Ratio
2.22%
$24.74
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
9.58 Yr(s)
Fund Manager Tenure
10/21/1994
Inception Date
Asset Type
1,207.9 Million
Share Class Assets
201
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

28K
24K
20K
16K
12K
8K
4K
0K
04
05
06
07
08
09
10
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
Fund
-8.10% -0.80%
9.17% 17.97% 10.59%
8.53%
9.00%
Morningstar Cat*
-3.27%
2.26%
9.78% 16.68% 10.46%
7.45%
---
97%
84%
Category Rank
58%
34%
51%
30%

800-441-7762.
14
Percent of TNA

94.51%
2011
2012
2013
BlackRock Global SmallCap Inv 33.63% 17.35% -11.49% 15.63% 34.35%

C
Cash
Other
4.57%
0.92%

2010
13
Africa Oil Corp

1.26%
NuVasive Inc
1.11%
Aryzta AG
1.11%
Edwards Lifesciences Corp
1.06%
Teleflex Inc
1.02%
HD Supply Holdings Inc
1.01%
Rouse Properties Inc
1.00%
SUPERVALU Inc
1.00%
Merit Medical Systems Inc
0.98%
Silver Bay Realty Trust Corp
0.98%
10.53%
Equity
* Morningstar World Stock Average
2009
12

Holding Name
Conservative
11

time period shown.
77.00%
The investment seeks long-term growth of capital. The fund

invests in a diversified portfolio primarily consisting of equity
securities of small cap issuers in various foreign countries and in
the United States. It invests at least 80% of its assets in equity
securities of small cap issuers. Small cap issuers are those
whose market capitalization is similar to the market
capitalization of companies in the Morgan Stanley Capital
International ("MSCI") All Country World Small Cap IndexSM.
14.65%
Industrials
12.12%
Technology
12.12%
Health Care
11.63%
Consumer Cyclical
9.96%
Basic Materials
8.93%
Financial Services
8.40%
Real Estate
6.85%
Energy
5.43%
Consumer Defensive
4.70%
2.38%
Utilities
Communication Services 0.81%

(ICB) Industries
Columbia Emerging Markets C

Investment Policy

Management Company
Columbia
Columbia Funds Series Trust I
One Financial Center
Boston, MA 02111
800-345-6611
Diversified Emerging
EEMCX
Ticker
2.53%
Expense Ratio
$9.93
Sub-Advisor
None
Fund Manager
Team
Asset Type
1,562.6 Million
Share Class Assets
155
# of Securities
Medium
12K
10K
8K
Val
2K
Blnd Grwth
0K
MorningStar
Style Box
n/a
Redemption Fees
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
Fund
-4.24%
0.30%
4.75%
8.06%
4.43%
8.30% -1.58%
Morningstar Cat*
-3.47%
2.08%
4.81%
7.92%
4.28%
9.83%
68%
69%
44%
45%
44%
87%
Category Rank
5 Yrs 10 Yrs
Life
---

800-345-6611.
Percent of TNA

96.28%
2011
2012
74.83% 18.98% -19.82% 23.02%
Other
2.64%
Cash
1.09%

2010
14
Samsung Electronics Co Ltd

2.74%
Tencent Holdings Ltd.
2.20%
Itau Unibanco Holding SA ADR
2.18%
Naspers Ltd Class N
1.90%
Petroleo Brasileiro SA Petrobras
1.84%
ICICI Bank Ltd ADR
1.62%
Metropolitan Bank & Trust Company
1.35%
Hyundai Motor Co
1.29%
Grupo Financiero Banorte SAB de CV Class O
1.29%
Taiwan Semiconductor Manufacturing Co Ltd
1.24%
17.65%
Equity
* Morningstar Diversified Emerging Mkts Average
2009
13

Holding Name
Conservative
12

time period shown.
81.00%
6K
4K
09/27/2007
Inception Date
Large
Small
6.38 Yr(s)
Fund Manager Tenure
The investment seeks long-term capital appreciation. The fund

invests at least 80% of its net assets (including the amount of
any borrowings for investment purposes) in equity securities
(including, but not limited to, common stocks, preferred stocks
and securities convertible into common or preferred stocks) of
companies located in emerging market countries. Emerging
market countries include those countries whose economies are
considered to be developing or emerging from
underdevelopment.
2013
-2.46%
23.34%
Technology
21.95%
Financial Services
15.29%
Consumer Cyclical
8.69%
Basic Materials
8.59%
Consumer Defensive
5.60%
Health Care
3.63%
Industrials
3.36%
Energy
3.05%
Utilities
2.78%
Corporate Bond 2.10%
Cash and Equivalents 1.09%

(ICB) Industries
JPMorgan SmartRetirement Income C

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
Retirement Income
JSRCX
Ticker
Expense Ratio
1.46%
$17.40
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.73 Yr(s)
Fund Manager Tenure

Inception Date
05/15/2006
Asset Type
Allocation
1,779.8 Million
Share Class Assets
27
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
06
07
08
09
10
11
12
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
Fund
-1.21%
2.66%
5.79%
7.83%
6.41%
n/a
Morningstar Cat*
-1.17%
3.06%
5.90%
7.87%
6.89%
4.53%
56%
74%
53%
46%
61%
n/a
Category Rank
5 Yrs 10 Yrs
Life
4.60%
---

800-480-4111.

48.16%
2010
20.50% 10.33%
2011
2012
2013
0.26%
9.35%
6.88%
Equity
35.12%
Cash
Other
16.00%
0.73%

JPMorgan SmartRetirement
Income C
Percent of TNA
JPMorgan Core Bond R6

29.63%
JPMorgan Disciplined Equity R6
11.22%
JPMorgan High Yield R6
5.73%
JPMorgan Inflation Managed Bond R6
4.79%
JPMorgan Corporate Bond R6
4.06%
JPMorgan Floating Rate Income R6
3.66%
JPMorgan Emerging Markets Debt R6
2.99%
JPMorgan Value Advantage Instl
2.85%
JPMorgan Growth Advantage R5
2.82%
JPMorgan Realty Income R5
2.49%
70.24%
Fixed
* Morningstar Retirement Income Average
2009
14

Holding Name
Conservative
13

time period shown.
11.00%
The investment seeks current income and some capital

appreciation. The fund is a "fund of funds" that invests in other
J.P. Morgan Funds (underlying funds), and is generally intended
for investors who are retired or about to retire soon. It is
designed to provide exposure to a variety of asset classes
through investments in underlying funds, with an emphasis on
fixed income funds over equity funds and other funds.

Corporate Bond
Government
Agency Mtg Backed
Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Energy
Bank Loan
Asset Backed
Basic Materials
5.60%
4.93%
4.77%
3.95%
3.28%
3.21%
3.13%
3.01%
2.55%
2.35%
2.29%
16.00%
14.87%
12.45%
10.62%

(ICB) Industries
JPMorgan SmartRetirement 2015 C

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
Target Date 2011-2015
JSFCX
Ticker
Expense Ratio
1.52%
$17.49
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.73 Yr(s)
Fund Manager Tenure

Inception Date
05/15/2006
Asset Type
Allocation
2,175.8 Million
Share Class Assets
27
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
06
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
Fund
-1.24%
2.91%
6.86% 10.14%
7.90%
n/a
Morningstar Cat*
-1.40%
3.26%
6.88%
9.77%
7.81%
5.44%
41%
67%
58%
50%
51%
n/a
Category Rank
1 Yr
3 Yrs
5 Yrs 10 Yrs
Life
4.82%
---

800-480-4111.
2015 C
Percent of TNA

46.13%
25.77% 12.80%
2011
2012
-0.68% 11.72%
Equity
41.15%
Cash
Other
12.03%
0.70%

2010
14

29.97%
11.53%
5.35%
JPMorgan Corporate Bond R6
4.15%
JPMorgan Inflation Managed Bond R6
3.69%
3.61%
3.24%
JPMorgan Intrepid America R5
3.14%
JPMorgan International Equity R6
3.11%
JPMorgan Intl Opp R6
3.04%
70.83%
Fixed
* Morningstar Target Date 2011-2015 Average
2009
13

Holding Name
Conservative
12

time period shown.
10.00%
The investment seeks total return with a shift to current income

and some capital appreciation over time as the fund approaches
and passes the target retirement date. The fund is a "fund of
funds" that invests in other J.P. Morgan Funds (underlying
funds), and is generally intended for investors expecting to retire
around the year 2015 (target retirement date). It is designed to
provide exposure to a variety of asset classes through
investments in underlying funds, and over time the fund's asset
allocation strategy will change.
2013
9.48%
Corporate Bond
Government
Agency Mtg Backed
Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Energy
Asset Backed
Bank Loan
Consumer Defensive
14.29%
12.03%
12.03%
10.46%
6.67%
5.95%
5.66%
4.65%
3.92%
3.91%
3.42%
2.51%
2.36%
2.36%
2.34%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
JTTCX
Ticker
Expense Ratio
1.56%
$18.27
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.73 Yr(s)
Fund Manager Tenure

Inception Date
05/15/2006
Asset Type
Allocation
4,653.6 Million
Share Class Assets
27
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
06
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
Fund
-1.32%
3.36%
8.22% 12.28%
9.09%
n/a
Morningstar Cat*
-1.55%
3.30%
7.54% 10.86%
8.40%
5.47%
31%
44%
35%
n/a
Category Rank
1 Yr
41%
3 Yrs
32%
5 Yrs 10 Yrs
Life
5.27%
---

800-480-4111.
2020 C
Percent of TNA

53.03%
28.26% 13.92%
2011
2012
2013
-1.67% 13.63% 12.71%
Fixed
Cash
Other
39.14%
7.21%
0.62%

2010
14

28.39%
11.77%
4.78%
4.49%
4.49%
JPMorgan US Equity R6
4.34%
4.28%
4.26%
4.20%
4.08%
75.08%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
9.00%
The investment seeks high total return with a shift to current

income and some capital appreciation over time as the fund
approaches and passes the target retirement date. The fund is a
"fund of funds" that invests in other J.P. Morgan Funds
(underlying funds), and is generally intended for investors
expecting to retire around the year 2020 (target retirement date).
It is designed to provide exposure to a variety of asset classes
through investments in underlying funds, and over time the
fund's asset allocation strategy will change.
Corporate Bond
Government
Agency Mtg Backed
Financial Services
Technology
Consumer Cyclical
Health Care
Real Estate
Industrials
Energy
Consumer Defensive
Basic Materials
Asset Backed
12.55%
10.34%
9.30%
8.76%
7.69%
7.31%
7.21%
5.95%
5.36%
5.12%
4.16%
3.03%
2.68%
2.22%
2.19%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
JNSCX
Ticker
Expense Ratio
1.60%
$17.66
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.13 Yr(s)
Fund Manager Tenure

Inception Date
07/31/2007
Asset Type
Allocation
3,752.6 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

14K
12K
10K
8K
6K
4K
2K
0K
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
Fund
-1.41%
3.43%
9.28% 14.20%
9.91%
n/a
Morningstar Cat*
-1.73%
3.45%
8.68% 13.09%
9.63%
6.37%
28%
54%
35%
n/a
Category Rank
1 Yr
36%
3 Yrs
30%
5 Yrs 10 Yrs
Life
4.72%
---

800-480-4111.
2025 C
Percent of TNA

62.03%
30.23% 14.70%
2011
2012
2013
-3.24% 15.02% 16.07%
Fixed
Cash
Other
30.46%
6.97%
0.54%

2010
14

22.20%
13.40%
5.46%
5.27%
5.17%
4.93%
4.76%
4.61%
4.57%
4.33%
74.70%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
7.00%

Financial Services
Corporate Bond
Technology
Consumer Cyclical
Government
Agency Mtg Backed
Health Care
Real Estate
Industrials
Energy
Consumer Defensive
Basic Materials
10.34%
10.20%
9.03%
8.63%
8.42%
7.06%
6.97%
6.93%
6.13%
6.00%
4.84%
3.53%
3.09%
2.00%
1.70%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
JSMCX
Ticker
Expense Ratio
1.63%
$18.93
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.73 Yr(s)
Fund Manager Tenure

Inception Date
05/15/2006
Asset Type
Allocation
4,487.2 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

18K
16K
14K
12K
10K
8K
6K
4K
2K
0K
06
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Fund
-1.48%
3.46% 10.18% 15.72% 10.51%
Morningstar Cat*
-1.90%
3.34%
27%
49%
Category Rank
9.02% 13.65%
29%
23%
n/a
9.69%
5.98%
31%
n/a
Life
5.65%
---

800-480-4111.
2030 C
Percent of TNA

69.68%
31.73% 15.59%
2011
2012
2013
-4.86% 16.11% 18.89%
Fixed
Cash
Other
23.22%
6.57%
0.52%

2010
14

15.30%
13.70%
6.44%
6.28%
6.23%
5.83%
5.49%
5.47%
5.12%
4.18%
74.04%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
10.00%

Financial Services
Technology
Consumer Cyclical
Corporate Bond
Health Care
Industrials
Government
Real Estate
Energy
Agency Mtg Backed
Consumer Defensive
Basic Materials
Utilities
11.67%
10.19%
9.75%
8.30%
7.82%
6.75%
6.74%
6.67%
6.57%
5.42%
4.87%
3.97%
3.51%
2.23%
1.68%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
SRJCX
Ticker
Expense Ratio
1.65%
$18.13
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.13 Yr(s)
Fund Manager Tenure

Inception Date
07/31/2007
Asset Type
Allocation
2,846.3 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

14K
12K
10K
8K
6K
4K
2K
0K
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Fund
-1.64%
3.37% 10.77% 16.97% 11.01%
Morningstar Cat*
-2.05%
3.36%
32%
56%
Category Rank
9.89% 15.52% 10.69%

34%
22%
n/a
6.66%
33%
Life
4.92%
---
n/a

800-480-4111.
2035 C
Percent of TNA

76.83%
32.84% 15.70%
2011
2012
2013
-5.55% 17.17% 21.11%
Fixed
Cash
Other
17.01%
5.66%
0.51%

2010
14

15.17%
9.61%
7.20%
6.97%
6.58%
6.43%
5.92%
5.88%
5.57%
JPMorgan Intrepid International Inst
5.08%
74.41%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
8.00%

Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Corporate Bond
Energy
Government
Consumer Defensive
Basic Materials
Agency Mtg Backed
Utilities
12.95%
11.19%
10.74%
8.60%
7.43%
7.30%
6.77%
5.99%
5.66%
5.07%
4.38%
3.89%
3.06%
2.48%
1.86%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
SMTCX
Ticker
Expense Ratio
1.66%
$19.39
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.73 Yr(s)
Fund Manager Tenure

Inception Date
05/15/2006
Asset Type
Allocation
3,177.9 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

18K
16K
14K
12K
10K
8K
6K
4K
2K
0K
06
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Fund
-1.75%
3.42% 11.00% 17.31% 11.19%
Morningstar Cat*
-2.14%
3.34%
37%
53%
Category Rank
9.90% 15.37% 10.45%

36%
25%
n/a
6.26%
33%
Life
5.95%
---
n/a

800-480-4111.
2040 C
Percent of TNA

80.58%
32.59% 15.87%
2011
2012
2013
-5.68% 17.22% 21.97%
Fixed
Cash
Other
12.95%
5.97%
0.50%

2010
14

15.12%
7.39%
7.33%
7.26%
7.04%
6.51%
6.28%
6.07%
5.88%
5.08%
73.96%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
9.00%

Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Energy
Corporate Bond
Consumer Defensive
Basic Materials
Government
Utilities
Agency Mtg Backed
13.59%
11.71%
11.22%
9.00%
7.80%
7.70%
6.28%
5.97%
5.64%
4.63%
4.10%
4.03%
2.60%
1.95%
1.93%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
JSACX
Ticker
Expense Ratio
1.65%
$18.41
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.13 Yr(s)
Fund Manager Tenure

Inception Date
07/31/2007
Asset Type
Allocation
1,624.2 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Fund
-1.76%
3.36% 10.96% 17.30% 11.15%
n/a
Morningstar Cat*
-2.19%
3.35% 10.43% 16.85% 11.10%
7.56%
Category Rank
33%
53%
43%
38%
48%
Life
5.21%
---
n/a

800-480-4111.
2045 C
Percent of TNA

80.36%
32.95% 15.63%
2011
2012
2013
-5.60% 17.30% 21.96%
Fixed
Cash
Other
13.04%
6.11%
0.49%

2010
14

15.08%
7.36%
7.24%
7.16%
7.09%
6.25%
6.14%
6.05%
5.85%
5.82%
74.04%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
8.00%

Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Energy
Corporate Bond
Consumer Defensive
Basic Materials
Government
Agency Mtg Backed
Utilities
13.54%
11.68%
11.17%
9.01%
7.79%
7.65%
6.27%
6.11%
5.60%
4.62%
4.08%
4.06%
2.60%
1.99%
1.93%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
JTSCX
Ticker
Expense Ratio
1.65%
$18.35
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
6.13 Yr(s)
Fund Manager Tenure

Inception Date
07/31/2007
Asset Type
Allocation
1,281.5 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

16K
14K
12K
10K
8K
6K
4K
2K
0K
07
08
09
10
11
Investment Risk
Moderate
Aggressive
Rating
data is currently
not available
Annualized
Performance
as of 09/30/2014
3 mos
YTD
1 Yr
3 Yrs
5 Yrs 10 Yrs
Fund
-1.76%
3.33% 10.90% 17.27% 11.20%
n/a
Morningstar Cat*
-2.21%
3.41% 10.25% 15.95% 10.68%
6.66%
Category Rank
32%
61%
47%
38%
47%
Life
5.23%
---
n/a

800-480-4111.
2050 C
Percent of TNA

80.44%
32.76% 16.05%
2011
2012
2013
-5.65% 17.30% 21.90%
Fixed
Cash
Other
12.64%
6.42%
0.49%

2010
14

15.39%
7.34%
7.17%
6.91%
6.87%
6.21%
6.00%
5.90%
5.89%
5.81%
73.49%
Equity
2009
13

Holding Name
Conservative
12

time period shown.
8.00%

Financial Services
Technology
Consumer Cyclical
Health Care
Industrials
Real Estate
Energy
Corporate Bond
Consumer Defensive
Basic Materials
Government
Utilities
Agency Mtg Backed
13.54%
11.67%
11.19%
8.99%
7.81%
7.71%
6.42%
6.27%
5.57%
4.63%
4.09%
3.92%
2.61%
1.93%
1.85%

(ICB) Industries

Investment Policy

Management Company
JPMorgan
JPMorgan Trust I
Columbus, OH 43240
800-480-4111
Target Date 2051+
JFFCX
Ticker
Expense Ratio
1.68%
$20.20
Sub-Advisor
None
Fund Manager
Team
Large
Medium
Small
2.67 Yr(s)
Fund Manager Tenure

Inception Date
01/31/2012
Asset Type
Allocation
158.7 Million
Share Class Assets
22
# of Securities
Val
Blnd Grwth
MorningStar
Style Box
n/a
Redemption Fees

14K
12K
10K
8K
6K
4K
2K
0K
12
13
14

time period shown.
49.00%


Holding Name
Investment Risk
Rating data is currently not available
Annualized Performance as of 09/30/2014

1 Yr
3 Yrs
Fund
-1.83%
3 mos
3.44% 10.99%
n/a
Morningstar Cat*
-2.18%
3.34% 10.79% 17.21% 10.73%
Category Rank
39%
YTD
48%
53%
n/a
5 Yrs 10 Yrs
n/a
n/a
Life
n/a 13.35%
n/a
---
n/a
* Morningstar Target Date 2051+ Average

800-480-4111.

2013
2055 C
21.93%
Percent of TNA

14.49%
7.56%
7.37%
7.17%
7.16%
6.14%
6.12%
6.09%
5.97%
5.84%
73.91%

80.50%
Equity
Fixed
Cash
Other
12.73%
6.28%
0.50%

Financial Services
Technology
Consumer Cyclical
Health Care
Real Estate
Industrials
Energy
Corporate Bond
Consumer Defensive
Basic Materials
Government
Agency Mtg Backed
Utilities
13.59%
11.48%
11.42%
8.77%
7.79%
7.70%
6.34%
6.28%
5.51%
4.83%
4.04%
4.03%
2.69%
1.86%
1.84%

(ICB) Industries
Mutual Fund Detail Report

Disclosure Statement
This fund fact sheet is provided by Matrix Settlement and Clearing Services, LLC (MSCS) and its affiliate MSCS Financial Services (MSCSFS) member FINRA.
Securities services may be offered through MSCSFS, a wholly-owned subsidiary of MSCS. This fund fact sheet is for informational and research purposes only
and we do not guarantee the accuracy, timeliness or completeness of the information provided. Data is based on information collected from the investment
company, it is updated as of the date shown in the sections title, and will vary over time.
The total return information does not reflect the deduction of the Sales Load that may apply if the Fund shares were purchased outside of the Plan and, if the
Sales Load were reflected, performance would be lower.
A market index is an unmanaged portfolio of securities such as stocks and bonds. An index is often used as a comparative benchmark for managed portfolios
such as mutual funds. These indices are presented to help you evaluate the performance of the broad market, which they represent, and provide you with an
understanding of that markets historic long-term performance, and a broad indication of price movement. Individual investors cannot invest directly in an index.
Past performance is not indicative of future results.
2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (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 this information. Past performance is no guarantee of future results.
Style Analysis
Risk
The Morningstar Style Box reveals a Funds investment style as of the date
noted on this report. For equity funds the vertical axis shows the market
capitalization of the stocks owned and the horizontal axis shows investment
style (value, blend, or growth).
Morningstar Risk evaluates a mutual funds downside volatility relative to

that of other funds in its Morningstar Category. It is an assessment of the
variations in a funds monthly returns, with an emphasis on downside
variations, in comparison with the mutual funds in its Morningstar Category.
In each Morningstar Category, the 10% of funds with the lowest measured
risk are described as Low Risk (LOW), the next 22.5% Below Average (-AVG),
the middle 35% Average (AVG), the next 22.5% Above Average (+AVG),
and the top 10% High (HIGH). Morningstar Risk is measured for up to three
time periods (three-, five-, and 10 years). These separate measures are then
weighted and averaged to produce an overall measure for the mutual fund.
Funds with less than three years of performance history are not rated.
Investment Performance Summary

Since
Gross
Net
Inception
Expense Expense
Fund Return
Ratio
Ratio
Performance
As of Date
Year to
Date
BlackRock Ready Assets Prime Money
10/31/2014
0.00%
0.00%
0.00%
0.00%
0.00%
1.47%
5.23%
0.70%
0.70%
10/31/2014
5.00%
1.17%
4.40%
3.76%
5.23%
4.60%
5.30%
1.45%
1.40%
10/31/2014
4.34%
-0.38%
4.87%
8.92%
9.52%
9.07%
10.32%
1.60%
1.60%
10/31/2014
1.07%
-0.30%
1.17%
2.01%
2.90%
2.83%
2.62%
1.62%
1.58%
10/31/2014
10.18%
4.93%
17.22%
19.53% 15.69%
8.60%
6.89%
1.56%
1.47%
10/31/2014
3.35%
5.36%
8.60%
20.36% 18.45%
8.50%
8.20%
1.94%
1.77%
10/31/2014
-5.12%
-3.69%
-2.35%
12.83%
9.54%
7.98%
8.62%
2.27%
1.99%
10/31/2014
-0.28%
-3.68%
4.57%
13.96% 11.89%
8.39%
8.99%
2.16%
2.16%
10/31/2014
1.62%
-2.71%
1.11%
4.37%
5.06%
8.12%
-1.38%
2.57%
2.53%
JPMorgan SmartRetirement Income C
10/31/2014
4.07%
1.13%
5.24%
6.49%
6.78%
NA
4.72%
1.62%
1.43%
10/31/2014
4.56%
1.36%
6.16%
8.21%
8.49%
NA
4.97%
1.65%
1.52%
10/31/2014
5.40%
1.84%
7.50%
10.11%
9.84%
NA
5.46%
1.70%
1.56%
10/31/2014
5.71%
2.08%
8.33%
11.63% 10.79%
NA
4.98%
1.74%
1.60%
10/31/2014
5.87%
2.24%
9.00%
12.86% 11.48%
NA
5.88%
1.78%
1.63%
10/31/2014
5.88%
2.30%
9.47%
13.82% 12.02%
NA
5.21%
1.82%
1.65%
10/31/2014
5.98%
2.34%
9.68%
14.16% 12.23%
NA
6.19%
1.85%
1.66%
10/31/2014
5.94%
2.34%
9.66%
14.16% 12.19%
NA
5.51%
1.87%
1.65%
10/31/2014
5.92%
2.35%
9.67%
14.16% 12.26%
NA
5.52%
1.90%
1.65%
10/31/2014
6.05%
2.34%
9.84%
NA
13.94%
2.04%
1.68%
Investment Name
3 Month 1 Year 3 Year 5 Year 10 Year
NA
NA
For more information about any investment option available in your Retirement Plan, please request a prospectus. A prospectus contains more information regarding risks, fees, and expenses. You should read
and consider information in a prospectus carefully before investing. Investment returns will fluctuate, cannot be guaranteed and do not predict the future performance of any investment.
2013 Morningstar, Inc. All Rights Reserved. The information contained herein: (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 this information. Past performance is no guarantee of future results.
A S S E T A L L O C AT I O N Q U E S T I O N N A I R E
Successful investors adhere to a disciplined investing process. To determine which investment process is appropriate for you and
your retirement plan assets, answer the following questions regarding your time horizon, risk tolerance, and investment objectives.
The result will lead you to an asset allocation strategy that may be appropriate for your particular financial needs objectives.
Diversification through asset allocation attempts to balance the level of risk with which you are comfortable
and the level of return you like to receive. * Diversification does not guarantee against a loss, and there is
Score
no guarantee that a diversified portfolio will outperform a non-diversified portfolio.
(please circle one)
1. When do you expect to begin withdrawing money from your investment account?
a. Less than 1 year
d. 5 to 7 years
b. 1 to 2 years
e. 8 to 10 years
c. 3 to 4 years
f. 11 years or more
2. Once you begin withdrawing money from you investment account, how long do you expect the
withdrawals to last?
a. I plan to take a lump sum distribution
d. 8 to 10 years
b. 1 to 4 years
e. 11 years or more
c. 5 to 7 years
3. Historically, investors who have received high level long-term average returns have experienced
greater fluctuations in their account values than investors in more conservative investments.
Considering the above, which statement best describes your investment objectives?
a. Protect the value of my account
b. Keep risk to a minimum
c. Balance risk and return

d. Maximize long-term investment returns
1. a.
b.
c.
d.
e.
f.
0
1
3
7
9
11
(please circle one)
2. a.
b.
c.
d.
e.
0
2
4
5
6
3. a.
b.
c.
d.
0
5
10
15
(please circle one)
(please circle one)
4. Suppose you owned a well-diversified portfolio that declined 20% in a short period of time in a
volatile market environment. Assuming you still have 10 years until you begin taking withdrawals,
what, if any, action would you take?
a. I would not change my portfolio
c. I would wait at least three months
b. I would wait at least a year
d. I would make a change immediately
4. a.
b.
c.
d.
5. How do you feel about this statement I am comfortable with the investments that may
frequently experience large declines in value if there is a potential for higher returns?
a. Agree
c. Strongly disagree
b. Disagree
5. a. 15
b. 8
c.
0
Total Score:
___________
15
10
5
0
(please circle one)
Aggressive Growth
Score between
55-62
Growth
Score between
43-54
Moderate Growth
Score between
29-42
Conservative Growth
Score between
17-28
Income
Score between
7-16
Conservative Income
Score between
0-6
Equities 90%
Fixed Income 10%
Stable/Money Market 0%
Equities 75%
Fixed Income 25%
Equities 65%
Fixed Income 25%
Equities 50%
Fixed Income 35%
Equities 40%
Fixed Income 40%
Equities 30%
Fixed Income 50%
Virginia Intl. Univ. 401(k) Plan (950)

BENEFICIARY DESIGNATION FORM
Name:
SSN:
I hereby designate the following individual(s) as my primary and contingent beneficiaries in the event of my death prior to the date on
which my benefits commence to be paid under the Plan. I understand that, by law, if I am married I must name my spouse as my sole
primary beneficiary unless I obtain notarized spousal consent.
If a designated primary beneficiary dies prior to the owner, that primary beneficiary's share will be divided equally among the
surviving beneficiaries. If no primary beneficiary(ies) survives the participant, benefits will be paid to the contingent
beneficiary(ies).
Primary Beneficiary(ies):
Name:
Date of Birth:
Address:
Relationship:
Name:
Date of Birth:
Address:
Relationship:
SSN:
Percentage of Benefit:
SSN:
Contingent Beneficiary(ies):
Name:
Date of Birth:
Address:
Relationship:
Name:
Date of Birth:
Address:
Relationship:
SSN:
SSN:
Initial here if you would like to designate any additional beneficiaries that do not fit within the spaces provided above.
Please write the information on a separate sheet of paper. Sign and date the page, and staple it to this form.
I revoke all previous designations and direct that this account be distributed upon my death to the designated beneficiary(ies) above. I
understand that if I become married in the future, 100% of my account balance will be paid at the time of my death to my surviving
spouse unless I file a new beneficiary designation with the required spousal consent.
Participant Signature
Date
Subject to the spousal consent requirements, I understand that I may revoke or change this designation at any time by filing a new
designation of beneficiary in writing with the Employer, and that by doing so, I revoke all prior designations.
SPOUSAL CONSENT: (complete only if married and primary beneficiary is not spouse)
By signing this spousal consent, I verify that I am the spouse of the participant whose name appears on this form. I understand that my
spouse has chosen to name someone other than me as the sole primary beneficiary under this plan and that this designation is not valid
without my irrevocable consent. I hereby irrevocably consent to the beneficiary designation on this form. I further acknowledge that my
consent is irrevocable unless my spouse revokes this designation. I acknowledge that I had the opportunity to consult my attorney or
other professional concerning this waiver, if I had so desired.
Spouse Name (Print Name)
Spouse Signature
Date
The Foregoing Spousal Consent was subscribed and sworn before me on :

Date
Notary Public Name
Notary Signature
State/County
Page 1 of 2
Virginia Intl. Univ. 401(k) Plan (950)

ENROLLMENT FORM
Participant Information
Name:
SSN:
Address:
City:
Date of Birth:
Date of Hire:
State:
Zip:
I understand that I must return a beneficiary designation form and complete the investment direction section below, whether I elect to
make salary deferrals or not.
Salary Deferral Contribution Election

I have received the Summary Plan Description and I understand the general requirements of the Plan. I further understand that this
election will automatically apply to all future salary adjustments unless I change the election. I understand that the Employer retains
the right to amend or revoke my election to limit or reduce any contributions where necessary to comply with applicable law.
I elect to contribute _______% of my pay or $_______ as a Salary Deferral Contribution (pre-tax) each pay period.
I elect to contribute _______% of my pay or $_______ as a Roth Contribution (after-tax) each pay period.
I elect to contribute _______% of my pay or $_______ as a Catch-Up Deferral Contribution (pre-tax) each pay period.
I elect to contribute _______% of my pay or $_______ as a Roth Catch-Up Deferral Contribution (after-tax) each pay period.
I do NOT elect to have Employee Elective Contributions made on my behalf to the Plan. This election will not prohibit any
future election on my part to have Employee Elective Contributions made to the Plan.
Investment Direction
I understand that this investment direction shall remain in force until changed and that I have the right to change the percentages
indicated at my discretion. Any contributions to your account (payroll deferrals, employer contributions, or rollovers) made before your
employer updates your investment selections for your account will be invested in the plan's default fund. Assets will remain in the
default fund until you use the participant website to exchange assets into the funds of your choice.
Invest all future contributions as shown below: (must total 100%, whole %'s only)
BlackRock Rdy Assets Prm Money
JPMorgan SmartRetire 2015 C
%
%
%
%
%
%
%
%
%
%

JPMorgan SmartRetire Incm C
%
%
%
%
%
%
%
%
%
By signing below I acknowledge that I authorized my employer to withhold from my wages the amount specified in the Salary Deferral
Contribution Election section. I have received a copy of the Summary Plan Description and I completed a Designation of Beneficiary
form.
_______________________________________________________________________________________________________
Participant Signature
Date
_______________________________________________________________________________________________________
Plan Administrator Signature
Date
Page 2 of 2

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Plan for the life you want

When you think about your first day of

What Are The Next Steps?

Virginia International University

On meeting the eligibility requirements you may join the Plan:

Virginia International University

In order to be credited with a year of

In order to be credited with a year of vesting,

Funds may be withdrawn from your Plan account in these

Virginia International University

A hardship, as defined by the government, can include:

Virginia International University

Participant Web Site

Automated Voice Response Number

Customer Service Number

When you think about your first day of retirement, what

But theres a catch: Your income needs

Theres good news: your employer

How Much Will You

In our parents and grandparents era, retirement income

from a part-time job or a new business

Years Until Retirement

Figures are hypothetical and

Benefits for Today and Tomorrow. Your retirement savings

When you participate in an employersponsored savings plan, your

Depending on the type of plan your

retirement plans allow you to put off

This example assumes a 25% federal tax rate and a 6% plan

Amount Contributed: $120

Once you've made the decision to set aside money

First, let's consider some basic principles

Using a mix of different investments, a

Higher Risk, Higher

Moderate Risk, Moderate

Lower Risk, Lower

Stocks represent ownership

Bonds represent loans you

These investments are

20-year historic performance of the three

(results of $1 invested in January 1994)

Annualized average returns

Why take on any risk at

Following are some common fund objectives

Growth of investment dollars over

Generally fall in the

When you choose investments for your retirement

How much you want to

How long until you

How much risk you are

Compounding, the most powerful force in the universe

Age 50 and Over:

Plan now for your retirement.

Lets say you contribute $120

to your retirement savings

The Compounding Difference

$300,000 $250,000 $200,000 $150,000 -

Thats the power of

compounding at work. And

Years until retirement

How much is your current income?

How many years until you retire?

10. How long do you expect your retirement to last?

BlackRock Ready Assets Prime Money