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BALANCED
ALLOCATION ACCOUNT
Following is a
summary of information about the Sentry Balanced Allocation
Account. Investors are advised to learn key data about an
investment prior to making any investment decision.
Objective
Invests solely in the Vanguard®
Asset Allocation Fund. The objective of the Balanced Allocation
Account is to seek long-term total return by allocating
assets among stocks, bonds, and money market instruments.
Investor
Profile
The Balanced
Allocation Account may be suitable for investors with a
long-term investment horizon who are seeking long-term growth
of capital and income from dividends and interest. Individuals
must be willing and able to accept meaningful changes in
unit price both in the short and long-term.
Investment
Strategy
The Vanguard
Asset Allocation Fund invests in stocks, long-term U.S.
Treasury bonds, and money market (cash) instruments. The
allocation of the three types of assets changes from time
to time depending on which mix appears to offer the best
combination of expected returns and risk and may at any
time place all of its assets in one type - stocks, bonds,
or cash. To accomplish changes in allocations quickly and
cost-effectively, the fund may use futures contracts instead
of buying and selling securities.
Investment
Considerations
The principal
value of the Balanced Allocation Account is subject to fluctuation.
Long-term bonds are subject to wide swings in value as interest
rates rise and fall. In addition, poor allocation between
stocks, bonds, and cash could result in more volatility
than a typical balanced approach. Historically, timing portfolio
allocations has been a difficult strategy to successfully
implement on a consistent basis. The Balanced Allocation
Account may be appropriate as a stand-alone investment or
may be used with other Accounts to increase or decrease
risk and potential return.
PORTFOLIO
DATA
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Asset Allocation (as of 06-30-2008) |
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Key Facts (as of 06-30-2008) |
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| Number of Stocks | 502 | | Price/Earnings Ratio | 16.2x | | Beta 3 year trailing (vs. Dow Jones WIlshire 5000) | 0.91 | | Number of Bonds | 0 | | Average Duration | n/a | | Standard Deviation as of 12-31-2007 | 12.12% |
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| Top Ten Stock Holdings (as of 06-30-2008) | Concentration | | Range | |
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| Exxon Mobil Corp. | 0 | % | | | | General Electric Co. | 0 | % | | | | Microsoft Corp. | 0 | % | | | | Chevron Corp. | 0 | % | | | | AT&T Inc. | 0 | % | | | | Procter & Gamble Co. | 0 | % | | | | Johnson & Johnson | 0 | % | | | | International Business Machines Corp. | 0 | % | | | | Apple Computer, Inc. | 0 | % | | | | ConocoPhillips Co. | 0 | % | | |
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Top Ten Equals 19.6% of Equities |
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Top Ten Equals 15.2% of Total Net Assets |
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Top Sectors (as of 06-30-2008) |
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| Information Technology | 16.50 | % | | Energy | 16.20 | % | | Financials | 14.20 | % | | Health Care | 11.90 | % | | Industrials | 11.10 | % | | Consumer Staples | 10.80 | % | | Consumer Discretionary | 8.20 | % | | Materials | 3.90 | % | | Utilities | 3.90 | % | | Telecommunication Services | 3.30 | % | |
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| Vanguard Asset Allocation Fund* |
| Average
Annual Returns |
Annual
Total Returns |
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of
07-31-2008)
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(as
of 12-31)
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| | 1 Month | (0.88)% | | | | 3 Months | (8.13)% | | | | YTD | (12.75)% | | | | 1 year | (10.56)% | | | | 3 years | 3.18% | | | | 5 years | 7.12% | | | | 10 years | 4.47% | | | | | | | | | | | | | | | | |
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| | 1994 | (2.32)% | | | | 1995 | 35.46% | | | | 1996 | 15.73% | | | | 1997 | 27.32% | | | | 1998 | 25.40% | | | | 1999 | 5.21% | | | | 2000 | 4.95% | | | | 2001 | (5.34)% | | | | 2002 | (15.38)% | | | | 2003 | 26.42% | | | | 2004 | 11.09% | | | | 2005 | 5.00% | | | | 2006 | 16.02% | | | | 2007 | 6.58% | |
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*
Investment management, brokerage fees and all other Vanguard expenses
total 0.41 percent per year and are deducted from the asset value
of the Vanguard Asset Allocation Fund. The investment managers
for the Vanguard Asset Allocation Fund are Thomas F. Loeb, Charles Jacklin, and Helen Potter, CFA. *Performance
figures for the Vanguard Asset Allocation Fund include the reinvestment
of all dividends and capital gain distributions. All returns are
net of mutual fund expenses. Money invested by participants in
the Sentry Life Balanced Allocation Account is then invested by
Sentry Life Insurance Company or Sentry Life Insurance Company
of New York into the underlying mutual fund. A Separate Account
fee for sales, marketing, taxes, account compliance, overhead
and legal/audit fees will be applied to this Separate Account.
The total returns of this Separate Account would be less than
that quoted above. The information contained in this fact sheet
is for illustrative purposes only and is not an indication of
future composition or performance. The investment return and principal
value of this Separate Account will fluctuate along with changes
in the Vanguard Asset Allocation Fund so that units, when redeemed,
may be worth more or less than their original cost. Past performance
is not a guarantee of future results.
Sentry Life Insurance Company, Stevens Point, Wisconsin (products not available in all states)
Sentry Life Insurance Company of New York, Syracuse, New York (products available in New York only)
Sentry’s property and casualty insurance coverages are underwritten by Sentry Insurance a Mutual Company, or its subsidiaries and affiliates Sentry Select Insurance Company, Middlesex Insurance Company, or Patriot General Insurance Company; Stevens Point, Wisconsin, and Sentry Lloyds of Texas, Round Rock, Texas. Companies not licensed in all states. Life insurance, pensions and group products are issued and administered by Sentry Life Insurance Company, Stevens Point, Wisconsin. In the State of New York, life insurance, pensions and group products are issued and administered by Sentry Life Insurance Company of New York, Syracuse, New York. Policies, coverages, and discounts are not available in all states.
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