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Investment Options

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PIMCO Total Return Fund Institutional Class Fund code: 99622 What it is: A bond mutual fund. Goal: Seeks to provide maximum total return, consistent with preservation of capital and prudent investment management.

What it invests in: All types of bonds, including U.S. government, corporate, mortgage and foreign. While the fund maintains an average portfolio duration of three to six years (approximately equal to an average maturity of five to 12 years), investments may also include short- and long-maturity bonds. Duration estimates how much a bond's price fluctuates with changes in comparable interest rates. Other factors can also influence a bond fund's performance and share price. In general, the bond market is volatile; bond prices rise when interest rates fall, and vice versa. This effect is usually more pronounced for longer-term securities. Share price, yield, and return will vary.

Who might want to invest:

Someone with an aggressive investment portfolio who wants to balance stock market risk with a more stable option.

Someone who is looking for a basic fixed-income investment, and who is interested in the diversification offered by this approach to bond investing.

Managed by Pacific Investment Management Company, which provided the description for this fund.

Selected American Shares Fund Fund code: 96778 What it is: A growth and income mutual fund. Goal: Seeks to increase the value of your investment over the long term through capital growth and income.

What it invests in: Primarily invests in growing companies that are selling at value prices and holding on to them for the long-term. To gain a competitive edge the fund's management team conducts firsthand research on companies with top-quality management who have a proven record of building shareholder value. Additionally, great emphasis is placed on companies that are innovative and responsive to change. The fund focuses on common stocks, preferred stocks and convertible bonds issued by America's larger companies, with market capitalizations of $10 billion or more. Share price and return will vary.

Who might want to invest:

Someone looking for a combination of long-term growth and income. Managed by Davis Selected Advisors, which provided the description of this fund.

Spartan® U.S. Equity Index Fund Investor Class Fund code: 00650 What it is: An index mutual fund.

Goal: Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) perform- ance of common stocks publicly traded in the United States.

What it invests in: Normally invests at least 80% of its assets in common stocks included in the S&P 500® Index, which broadly represents the performance of common stocks publicly traded in the United States. Share price and return will vary.

Who might want to invest: Someone willing to ride out stock market fluctuations for potentially high long-term return.

Someone who wants to pursue long-term growth through a portfolio of securities that broadly represent the stock market as measured by the S&P 500® Index.

The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvest- ment of dividends.

T. Rowe Price Equity Income Fund Advisor Class Fund code: 42437 What it is: A growth and income mutual fund. Goal: Seeks to provide substantial dividend income as well as long-term capital appreciation.

What it invests in: Invests at least 65% of the fund's total assets in dividend-paying common stocks, particularly of established companies, with favorable prospects for both increasing dividends and capital appreciation. Share price and return will vary.

Who might want to invest:

Someone who is seeking a relatively conservative approach to investing in stocks who can accept the risk of loss inherent in common stock investing.

Managed by T. Rowe Price Associates, Inc., which provided the description for this fund.

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