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Retirement Savings Plan

 
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Investment Options

As a participant in the Advocate Retirement Savings Plan, you may choose to invest your savings and matching contributions in one or more of the plan's variable investment funds, as you choose, or you may choose to invest in one of the plan's target retirement funds, as outlined below.

Variable investment funds
If you want to choose your own investment mix, you may invest your savings and matching contributions in one or more of the following "variable" investment funds":

Investment fund Ticker symbol
Vanguard Retirement Savings Trust II Fund RSTII
 
PIMCO Real Return Fund–Institutional Shares PRRIX
 
Vanguard Total Bond Market Index Fund–Institutional Shares VBTIX
 
PIMCO Total Return Fund–Institutional Class PTTRX
 
Vanguard Balanced Index Fund–Institutional Shares VBAIX
 
Dodge & Cox Stock Fund DODGX
 
Vanguard Institutional Index Fund–Plus Shares VIIIX
 
Neuberger Berman Socially Responsive Fund NBSRX
 
Vanguard Total Stock Market Index Fund–Institutional Shares VITSX
 
Lazard Mid-Cap Fund–Institutional Shares LZMIX
 
Dodge & Cox International Stock Fund DODFX
 
Aston/TAMRO Small Cap I Fund ATSIX
   
Principal Large Cap Growth Fund - Institutional Shares PGLIX

It's up to you to choose the fund or combination of funds that meet your saving and investment objectives. You must allocate your contributions and Advocate's matching contributions among the funds in whole percentages, and the total must equal 100%.

For example:

Vanguard Short-Term Investment-Grade–Admiral Shares
    33%
 
Vanguard Balanced Index Fund–Institutional Shares
    33%
 
Aston/TAMRO Small Cap I Fund
    34%
 
Total   100%

This example is for illustration purposes only, and isn't intended to constitute investment advice. Remember, you're responsible for making your own personal investment choices. Advocate isn't responsible for your investment decisions. For more information on our investment choices, go to Advocate InfoExpress.

Target retirement funds
Target retirement funds provide a "one choice" approach to investing for retirement. These funds are pre-mixed and include underlying funds from various investment styles. All you need to do is choose the fund with the date nearest the year in which you expect to retire. There are 11 target retirement funds from which to choose:

Target Retirement 2050 Fund VFIFX
 
Target Retirement 2045 Fund VTIVX
 
Target Retirement 2040 Fund VFORX
 
Target Retirement 2035 Fund VTTHX
 
Target Retirement 2030 Fund VTHRX
 
Target Retirement 2025 Fund VTTVX
 
Target Retirement 2020 Fund VTWNX
 
Target Retirement 2015 Fund VTXVX
 
Target Retirement 2010 Fund VTENX
 
Target Retirement 2005 Fund VTOVX
 
Target Retirement Income Fund VTINX

The investment mix for each fund is periodically adjusted to reflect typical investment risk and return for people with similar retirement goals. To learn more about target retirement funds, read the brochure titled Introducing Target Retirement Funds: Investing Made Simple.

Changing your elections
As you manage the investment of your contributions and matching contributions in the Advocate Retirement Savings Plan, you may change your investment choices from time to time. In general, the Plan is set up to accommodate these changes as they occur. Changes to your investment choices made before 3:00 pm. Central time will normally take effect the next business day. You can request investment changes through Advocate InfoExpress online at www.advocateinfoexpress.com.

Certain restrictions apply to the frequency and/or timing of investment changes involving certain investment funds, including the Plan's new target retirement funds. These restrictions are required under guidelines issued by the Securities Exchange Commission (SEC) and effective October 16, 2006. For more information, review detail in the Market Timing Activity brochure.