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BALANCED
GROWTH ACCOUNT
Following is a
summary of information about the Sentry Balanced Growth
Account. Investors are advised to learn key data about an
investment prior to making any investment decision.
Objective
The objective
of the Balanced Growth Account is to seek income and long-term
growth of capital and income without undue risk of capital.
It is invested solely in the Vanguard® Wellington™
Fund.
Investor
Profile
The Balanced
Growth Account may be suitable for investors with a long-term
investment horizon who are seeking long-term growth of both
capital and income. Individuals must be willing and able
to accept meaningful changes in unit price both in the short
and long term.
Investment
Strategy
The Vanguard
Wellington Fund usually invests from 60 to 70 percent of
its total assets in common stocks with the balance held
in high-quality bonds and cash. Common stocks are held for
potential growth of capital and income, while bonds are
held for relative stability of income and principal. Up
to 10 percent of its assets may be invested in foreign securities.
Investment
Considerations
The principal
value of the Balanced Growth Account is subject to fluctuation.
This Account has a low turn-over rate and invests in both
dividend-paying common stocks and bonds. These factors tend
to lessen the risk usually associated with equity investing.
Its bond portfolio is high grade and long term, which provides
attractive yields but makes it sensitive to changes in interest
rates. The Balanced Growth 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 12-31-2009) |
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| Stocks | 64.93% | | Bonds | 32.23% | | Short-term Reserves | 2.84% |
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Key Facts (as of 12-31-2009) |
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| Number of Stocks | 104 | | Price/Earnings Ratio | 18.9x | | Foreign Holdings | 13.0% | | Number of Bonds | 432 | | Average Duration (Years) | 5.2 | | Beta 3 year trailing (vs. Dow U.S. Total Stock Market Index) | 0.64 |
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| Top Ten Stock Holdings (as of 12-31-2009) | Concentration | | Range | |
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| AT&T, Inc. | 0 | % | | | | Chevron Corp. | 0 | % | | | | International Business Machines Corp. | 0 | % | | | | Wells Fargo & Co. | 0 | % | | | | Total SA ADR | 0 | % | | | | Merck & Co., Inc. | 0 | % | | | | Exxon Mobil Corp. | 0 | % | | | | Pfizer, Inc. | 0 | % | | | | Eli Lilly & Co. | 0 | % | | | | JPMorgan Chase & Co. | 0 | % | | |
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Top Ten Equals 24.7% of Equities |
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Top Ten Equals 16.1% of Total Net Assets |
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Equity Sector Diversification (as of 12-31-2009) |
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| Financials | 16.50 | % | | Health Care | 15.90 | % | | Energy | 15.10 | % | | Information Technology | 12.10 | % | | Industrials | 12.10 | % | | Consumer Staples | 9.30 | % | | Consumer Discretionary | 6.30 | % | | Utilities | 4.70 | % | | Materials | 4.20 | % | | Telecommunication Services | 3.80 | % | |
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| Vanguard Wellington Fund* |
| Average
Annual Returns |
Annual
Total Returns |
| (as
of
02-28-2010)
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(as
of 12-31)
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| | 1 Month | 1.48% | | | | 3 Months | 0.12% | | | | YTD | (0.24)% | | | | 1 year | 37.81% | | | | 3 years | 0.80% | | | | 5 years | 4.52% | | | | 10 years | 7.03% | | | | | | | | | | | | | | | | |
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| | 1994 | (0.49)% | | | | 1995 | 32.92% | | | | 1996 | 16.19% | | | | 1997 | 23.23% | | | | 1998 | 12.06% | | | | 1999 | 4.41% | | | | 2000 | 10.40% | | | | 2001 | 4.19% | | | | 2002 | (6.90)% | | | | 2003 | 20.75% | | | | 2004 | 11.17% | | | | 2005 | 6.82% | | | | 2006 | 14.93% | | | | 2007 | 8.34% | | | | 2008 | (22.30)% | | | | 2009 | 22.20% | |
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*
Investment management, brokerage fees and all other expenses of
Vanguard total 0.30 percent per year and are deducted from the
asset value of the Vanguard Wellington Fund. The investment managers
for Vanguard Wellington Fund are Edward P. Bousa, CFA, and John
C. Keogh. *Performance figures for the Vanguard Wellington 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 Growth 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 separate account fee will reduce the total returns of the
Separate Account 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 Wellington 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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