2055 TARGET RETIREMENT ACCOUNT
Following is a summary of
information about the 2055 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 2055
Target Retirement Portfolio.
Investor Profile
The 2055 Target Retirement Account may be suitable for investors
planning to retire in or within a few years of 2055, 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 2055 Target Retirement Portfolio invests in six different asset classes
of exchange traded funds and one asset class of Treasury Inflation Protection
Securities. The portfolio's asset allocation will gradually become more
conservative and modestly income-oriented every year. By 2055, 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 2055 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
|
Asset Allocation (as of 6-30-2010) |
| Income | 28.30% |
| Corporate Bonds | 10.20% |
| Treasury Inflation Protection Securities (TIPS) | 5.30% |
| Real Estate Investment Trusts (REITS) | 4.70% |
| Cash | 3.20% |
| Growth | 76.60% |
| Large Cap U.S. Stocks | 19.10% |
| Mid-Cap U.S. Stocks | 24.00% |
| Small Cap U.S. Stocks | 23.90% |
| Foreign Stocks | 9.60% |
|
|
| Sentry 2055 Target Retirement Portfolio* |
| Average
Annual Returns |
Annual
Total Returns |
| (as
of
7-31-2010)
|
(as
of 12-31)
|
|
| 1 Month | 6.03% |
|
|
| 3 Months | (5.38)% |
|
|
| YTD | 3.51% |
|
|
| 1 year | N/A |
|
|
| 3 years | N/A |
|
|
| 5 years | N/A |
|
|
| 10 years | N/A |
|
|
|
|
|
The average
weighted expense ratio for the Sentry 2055 Target Retirement Portfolio
is 0.30 percent. The investment managers for the Sentry 2055 Target
Retirement Portfolio are Christopher Meadows, CFA and Chad Rice, CFA.
*Performance figures for the Sentry 2055 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 2055 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 2055 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)
|