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FOREIGN GROWTH ACCOUNT
Following is a summary of information about the Sentry Foreign Growth Account. Investors are advised to learn key data about an investment prior to making any investment decision.
Objective
The objective of this account is to seek long-term growth of capital. It is invested solely in the Janus Aspen International Growth Portfolio - Institutional Shares .
Investor Profile
The Foreign Growth Account may be suitable for investors with a very long-term investment horizon who are seeking long-term growth of capital and income through a stock portfolio of non-U.S. companies and who accept the risks associated with common stocks of foreign companies and the volatility of converting foreign currency to U.S. dollars. Individuals must be willing and able to accept substantial change in unit price in the short, long and very long term.
Investment Strategy
Janus Aspen International
Growth Portfolio - Institutional Shares seeks long-term
growth of capital. Normally, the Portfolio pursues its objective
by investing at least 80 percent of its total assets in
securities of issuers from at least five different countries,
excluding the United States. Although the portfolio intends
to invest substantially all of its assets in issuers located
outside the United States, it may at times invest all of
its assets in fewer than five countries or even a single
country.
Investment Considerations
The Foreign Growth Account is one of the five highest risk investment options offered by Sentry to retirement plan participants. Diversifying overseas can help your retirement portfolio stay on track through a variety of market conditions. Foreign stock markets often move out of sync with domestic stock markets. Investing a portion of a retirement portfolio in the Foreign Growth Account may provide a cushion when there is a downturn in domestic stock markets. There are special risks associated with foreign investing such as political uncertainty and currency fluctuations. Investors must be willing and able to accept a high level of investment risk.
PORTFOLIO DATA
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Asset Allocation (as of 06-30-2008) |
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| Common Stock - Foreign | 90.95% | | Common Stock - Domestic | 6.08% | | Preferred Stock - Foreign | 1.15% |
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Key Facts (as of 06-30-2008) |
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| Number of Stocks | 101 | | Price/Earnings Ratio (12 month forward) | 17.69x | | Turnover Rate Annualized as of 10/31/2007 | 48.98% | | Beta (vs. MSCI EAFE Index) | 1.44 | | Standard Deviation as of 12-31-2007 | 32.09% |
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| Top Ten Stock Holdings (as of 06-30-2008) | Concentration | | Range | |
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| Li & Fung, Ltd. | 0 | % | | | | Reliance Industries, Ltd. | 0 | % | | | | Telefonakiebolaget L.M. Ericsson - Class B. | 0 | % | | | | Taiwan Semiconductor Manufacturing Co., Ltd. | 0 | % | | | | Petroleo Brasileiro | 0 | % | | | | Bunge, Ltd. | 0 | % | | | | Mitsubishi estate Co., Ltd | 0 | % | | | | China Overseas Land & Investment, Ltd. | 0 | % | | | | Amdocs, Ltd. (U.S. Shares) | 0 | % | | | | Niko Resources, Ltd. | 0 | % | | |
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Top Ten Equals 32.47% of Portfolio |
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Top Countries (as of 06-30-2008) |
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| Other | 28.26 | % | | Pacific Rim | 25.46 | % | | Europe | 24.50 | % | | Latin America | 13.88 | % | | United States | 6.08 | % | |
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| Janus Aspen Series Intl Growth Port Inst Shares* |
| Average
Annual Returns |
Annual
Total Returns |
| (as
of
07-31-2008)
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(as
of 12-31)
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| | 1 Month | (1.18)% | | | | 3 Months | (15.06)% | | | | YTD | (15.39)% | | | | 1 year | (4.67)% | | | | 3 years | 25.71% | | | | 5 years | 25.80% | | | | 10 years | 11.00% | | | | | | | | | | | | | | | | |
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| | 1995 | 23.15% | | | | 1996 | 34.71% | | | | 1997 | 18.51% | | | | 1998 | 17.23% | | | | 1999 | 82.27% | | | | 2000 | (15.94)% | | | | 2001 | (23.23)% | | | | 2002 | (25.58)% | | | | 2003 | 34.91% | | | | 2004 | 18.95% | | | | 2005 | 32.29% | | | | 2006 | 47.02% | | | | 2007 | 28.32% | |
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*
Investment management, brokerage fees and all other expenses of
the Janus total 0.71 percent per year and are deducted from the
asset value of the Janus Aspen International Growth Portfolio
- Institutional Shares. Expense ratio includes a management fee
as of 7/1/04; other expense components are as of 12/31/03. Effective
7/1/04, Janus Capital agreed to reduce the annual rate of the
Portfolio's management fee, as set forth in the Portfolio's Investment
Advisory Agreement with Janus Capital. The investment manager
for the Janus Aspen International Growth Portfolio - Institutional
Shares is Brent Lynn, CFA. *Performance figures for Janus Aspen
International Growth Portfolio - Institutional Shares include
the reinvestment of all dividends and capital gain distributions.
All returns are net of portfolio expenses. Money invested by participants
in the Sentry Life Large Cap Foreign Growth Account is then invested
by Sentry Life Insurance Company or Sentry Life Insurance Company
of New York into the underlying portfolio. 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 is reduced by the Janus administrative
fee payment remitted to Sentry of .15% annualized. 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 Janus Aspen International Growth Portfolio - Institutional
Shares 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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