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2025
TARGET RETIREMENT ACCOUNT
Following is
a summary of information about the 2025 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 2025
Target Retirement Portfolio.
Investor Profile
The 2025 Target Retirement Account may be suitable for investors
planning to retire in or within a few years of 2025, and
seeking a simple way to achieve a broadly diversified holding
of stocks and fixed-income securities. Individuals must
be willing and able to accept significant fluctuations in
unit price and have a relatively long (more than five years)
investment horizon.
Investment Strategy
Sentry Target 2025 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 2025.
The portfolio’s asset allocation will gradually become
more conservative and modestly income-oriented every year.
By 2025, 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 2025 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 higher than those alternatives
that invest the majority of their assets in bonds, but lower
than that of alternatives investing entirely in stocks.
PORTFOLIO
DATA
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Asset Allocation (as of 06-30-2008) |
| | |
|---|
| Income | 50.10% | | Corporate Bonds | 23.40% | | Treasury Inflation Protection Securities (TIPS) | 19.00% | | Real Estate Investment Trusts (REITS) | 7.60% | | Cash | 0.10% | | Growth | 49.90% | | Large Cap U.S. Stocks | 19.50% | | Mid-Cap U.S. Stocks | 11.80% | | Small Cap U.S. Stocks | 11.70% | | Foreign Stocks | 6.90% | |
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| Sentry 2025 Target Retirement Portfolio* |
| Average
Annual Returns |
Annual
Total Returns |
| (as
of
07-31-2008)
|
(as
of 12-31)
|
| | | | |
|---|
| | 1 Month | (0.06)% | | | | 3 Months | (4.09)% | | | | YTD | (4.60)% | | | | 1 year | (2.59)% | | | | 3 years | 3.99% | | | | 5 years | 8.56% | | | | 10 years | N/A | | | | | | | | | | | | | | | | |
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|---|
| | 2003 | 23.73% | | | | 2004 | 13.17% | | | | 2005 | 6.62% | | | | 2006 | 11.46% | |
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| The
average weighted expense ratio for the Sentry 2025 Target Retirement
Portfolio is 0.30 percent. The investment managers for the Sentry
2025 Target Retirement Portfolio are Christopher Meadows, CFA and
Chad Rice. *Performance figures for the Sentry 2025 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 2025 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 2025 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)
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