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SMALL
CAP INDEX ACCOUNT
Following is a
summary of information about the Sentry Small Cap Index
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 investment results paralleling
those of the MSCI® US Small Cap 1750 Index. It is invested
solely in the Vanguard® Small-Cap Index Fund.
Investor
Profile
The Small Cap
Index Account may be suitable for investors with a very
long-term investment horizon who are seeking long-term growth
of capital through common stocks of small companies. Individuals
must be willing and able to accept substantial change in
unit price in the short, long and very long term.
Investment
Strategy
The Vanguard
Small-Cap Index Fund employs a "passive management"
- or indexing - investment approach designed to track the
performance of the MSCI® US Small Cap 1750 Index, a
broadly diversified index of stocks of smaller U.S. companies.
The fund attempts to replace the target index by investing
all, or substantially all, of its assets in the stocks that
make up the index, holding each stock in approximately the
same proportion as its weighting within the index. Prior
to May 16, 2003, the fund's target index was the Russell
2000 Index. The fund's investment performance is compared
to that of the Spliced Small Cap Index, which reflects the
old target index prior to May 16, 2003, and the current
target index thereafter.
Investment
Considerations
The Small Cap
Index Account takes a passive/index, unmanaged approach
to investing in companies with small capitalizations. This
account can be used by investors seeking to diversify a
portion of their retirement planning account into the small
cap market place with a passive/index (as opposed to an
active) management strategy.
PORTFOLIO DATA
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Asset Allocation (as of 06-30-2008) |
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Key Facts (as of 06-30-2008) |
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| Number of Stocks | 1,745 | | Price/Earnings Ratio | 20.8x | | Turnover Rate (Fiscal Year End December) | 16.0% | | Foreign Holdings | 1.1% | | Beta 3 year trailing (vs. Dow Jones WIlshire 5000 Index) | 1.21 | | Standard Deviation as of 12-31-2007 | 17.08% |
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| Top Ten Stock Holdings (as of 06-30-2008) | Concentration | | Range | |
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| Alpha Natural Resources, Inc. | 0 | % | | | | Walter Industries, Inc. | 0 | % | | | | Whiting Petroleum | 0 | % | | | | Superior Energy Services, Inc. | 0 | % | | | | Oceaneering International, Inc. | 0 | % | | | | Patriot Coal | 0 | % | | | | St. Mary Land & Exploration Co. | 0 | % | | | | Foundation Coal Holdings | 0 | % | | | | Unit Corp. | 0 | % | | | | Encore Acquisition | 0 | % | | |
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Top Ten Equals 3.3% of Portfolio |
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Top Sectors (as of 06-30-2008) |
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| Information Technology | 17.30 | % | | Financials | 17.20 | % | | Industrials | 17.20 | % | | Consumer Discretionary | 12.40 | % | | Health Care | 11.50 | % | | Energy | 10.90 | % | | Materials | 4.90 | % | | Utilities | 4.10 | % | | Consumer Staples | 3.30 | % | | Telecommunication Services | 1.20 | % | |
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| Vanguard Small Cap Index Fund* |
| Average
Annual Returns |
Annual
Total Returns |
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of
08-31-2008)
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(as
of 12-31)
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| | 1 Month | 3.13% | | | | 3 Months | (4.48)% | | | | YTD | (3.77)% | | | | 1 year | (6.65)% | | | | 3 years | 4.67% | | | | 5 years | 10.37% | | | | 10 years | 10.09% | | | | | | | | | | | | | | | | |
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| | 1994 | (0.51)% | | | | 1995 | 28.74% | | | | 1996 | 18.12% | | | | 1997 | 24.59% | | | | 1998 | (2.61)% | | | | 1999 | 23.13% | | | | 2000 | (2.67)% | | | | 2001 | 3.10% | | | | 2002 | (20.02)% | | | | 2003 | 45.63% | | | | 2004 | 19.90% | | | | 2005 | 7.36% | | | | 2006 | 15.64% | | | | 2007 | 1.16% | |
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*
Investment management, brokerage fees and all other expenses of
Vanguard total 0.23 percent per year and are deducted from the
asset value of the Vanguard Small-Cap Index Fund. The investment
manager for the Vanguard Small-Cap Index Fund is Michael H. Buek,
CFA. *Performance figures for the Vanguard Small Cap Index Fund
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 Small Cap Index 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 Small Cap Index 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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