TARGET RETIREMENT INVESTMENTS - NEW YORK

Target retirement accounts typically share the following characteristics:

• Investments that pursue growth and income generally divide dollars into a mix of bonds for income and common stocks for growth
• Target date accounts are designed and managed around an approximate retirement year (e.g. 2025).
• As an investor grows older, the account automatically becomes more conservative by increasingly allocating assets to pursue income.
• Provide investment diversification, exposure to multiple asset classes and automatic rebalancing to maintain the appropriate ratio of stocks and bonds.

TYPICAL INVESTOR PROFILE

Target retirement accounts are usually more risky than income accounts but less risky than growth accounts. They tend to appeal to investors who appreciate the benefits of investment diversification, asset allocation, and automatic rebalancing but are too busy or lack the expertise to personally manage their retirement assets. Investors must be comfortable with the target retirement account's current asset allocation as well as the allocation at retirement.

CHOOSE FROM THESE AVAILABLE ACCOUNTS

Sentry offers the following Target Retirement accounts. Click on any account name to learn more.

	YTD & Average Annual Returns as of 10-31-2009
Separate Account	YTD Return (%)	1-Yr. Return (%)	3-Yr. Return (%)	5-Yr. Return (%)	10-Yr. Return (%)
1Target Retirement Income Account (NY)   Vanguard Target Retirement Income Fund	11.65	15.01	2.91	3.83	N/A
12015 Target Retirement Account (NY)   Vanguard Target Retirement 2015 Fund	15.92	15.78	-0.90	2.94	N/A
12025 Target Retirement Account (NY)   Vanguard Target Retirement 2025 Fund	17.80	15.59	-2.86	2.21	N/A
12035 Target Retirement Account (NY)   Vanguard Target Retirement 2035 Fund	19.68	15.48	-4.46	1.98	N/A
12045 Target Retirement Account (NY)   Vanguard Target Retirement 2045 Fund	19.64	15.61	-4.45	2.43	N/A