|
|
| Start | For Customers | National Accounts | Mid-Sized Businesses | Small Businesses | Transportation | Contact Us |
|
|
|
|
|
| |
|
2015
TARGET RETIREMENT ACCOUNT
Following is
a summary of information about the 2015 Target Retirement
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 to provide growth
of capital and current income consistent with its current
asset allocation. It is invested solely in the Sentry 2015
Target Retirement Portfolio.
Investor Profile
The 2015 Target Retirement Account may be suitable for investors
planning to retire in or within a few years of 2015, and
seeking a simple way to achieve a diversified holding of
stocks and fixed-income securities. Individuals must be
willing and able to accept low to moderate fluctuations
in unit price and have a relatively long (more than five
years) investment horizon.
Investment Strategy
Sentry 2015 Target Retirement Portfolio invests in seven
different asset classes by utilizing exchange traded funds
(ETFs) and employing an asset allocation strategy designed
for investors currently planning to retire in about 2015.
The portfolio’s asset allocation will gradually become
more conservative and modestly income-oriented every year.
By 2015, the portfolio’s asset allocation will be
similar to the Target Retirement Income Account.
The portfolio is periodically rebalanced to smooth out the
highs and lows of investing in a single, volatile asset
class like large cap stocks.
Investment Considerations
The 2015 Target Retirement Account is subject to several
stock and bond market risks, any of which could cause an
investor to lose money. However, given the current allocation
between stocks and the less volatile asset class of bonds,
the overall level of risk should be moderate.
PORTFOLIO
DATA
|
Asset Allocation (as of 06-30-2008) |
| | |
|---|
| Income | 64.80% | | Corporate Bonds | 30.20% | | Treasury Inflation Protection Securities (TIPS) | 24.70% | | Real Estate Investment Trusts (REITS) | 9.70% | | Cash | 0.20% | | Growth | 35.20% | | Large Cap U.S. Stocks | 15.50% | | Mid-Cap U.S. Stocks | 7.80% | | Small Cap U.S. Stocks | 7.90% | | Foreign Stocks | 4.00% | |
|
|
|
|
| Sentry 2015 Target Retirement Portfolio* |
| Average
Annual Returns |
Annual
Total Returns |
| (as
of
07-31-2008)
|
(as
of 12-31)
|
| | | | |
|---|
| | 1 Month | 0.13% | | | | 3 Months | (3.58)% | | | | YTD | (2.93)% | | | | 1 year | (0.31)% | | | | 3 years | 3.89% | | | | 5 years | 8.17% | | | | 10 years | N/A | | | | | | | | | | | | | | | | |
|
|
| | | | |
|---|
| | 2003 | 20.95% | | | | 2004 | 13.00% | | | | 2005 | 5.82% | | | | 2006 | 10.31% | |
|
|
|
|
|
|
|
|
The average
weighted expense ratio for the Sentry 2015 Target Retirement Portfolio
is 0.30 percent. The investment managers for the Sentry 2015 Target
Retirement Portfolio are Christopher Meadows, CFA and Chad Rice.
*Performance figures for the Sentry 2015 Target Retirement Portfolio
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 2015 Target Retirement Account is then invested
by Sentry Life Insurance Company 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 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 Sentry 2015 Target Retirement Portfolio
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)
|
|
|
|
|
|