QDIA Notice ATHENE SAVINGS & RETIREMENT PLAN

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QDIA NoticeATHENE SAVINGS & RETIREMENT PLANQUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICEThis is an annual notice and only applies to the Plan Year beginning on January 1, 2018.Right to direct investment/default investment. You have the right to direct the investment of your Pre-Tax 401(k) and Roth 401(k)deferrals and also other accounts under the Plan (your "directed accounts") in any of the investment choices explained in the investmentinformation materials provided to you.We encourage you to make an investment election to ensure that amounts in the Plan are invested in accordance with your long-terminvestment and retirement plans. However, if you do not make an investment election, then the amounts that you could have elected toinvest will be invested in a default investment that the Plan officials have selected.Description of default investment. The default investment is:Name of Investment: Age-appropriate Vanguard Target Retirement Trust II fundInvestment objectives: See Fund Fact SheetRisk and return characteristics (if applicable): See Fund Fact SheetFees and expenses: See Addendum and Fund Fact SheetRight to alternative investment. If the Plan invests some or all of your Pre-Tax 401(k) and Roth 401(k) deferrals and directed accounts inthe default investment, then you have the continuing right to direct the investment of your Pre-Tax 401(k) and Roth 401(k) deferrals anddirected accounts in one or more of the other investment choices available to you as explained above. You may change your investments atany time.No transfer fees or expenses will be charged if you elect an alternative investment within 90 days after first being subject to the defaultinvestment. However, your account will be adjusted for any investment gains or losses.Where to go for further investment information.You can change your contribution level, change your investments, get daily investment performance information, and perform many othertransactions at www.prudential.com/online/retirement, or by calling Prudential's toll-free phone number (877)-PRU-2100 ((877)-7782100) Monday through Friday from 8 a.m. to 9 p.m., ET. You can also find out more about the Plan in the Plan's SPD.To learn more about the Plan's investment alternatives and procedures for changing how your accounts are invested you can contact thePlan Administrator at:Contact:Athene Annuity & Life CompanyAddress:7700 Mills Civic ParkwayWest Des Moines, Iowa 50266-3862Telephone:(877) 263-7874Page 1 of 1

QDIA AddendumATHENE SAVINGS & RETIREMENT PLAN(referred to as the “Plan”)QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (“QDIA”) ADDENDUMThis is an addendum to the annual QDIA notice and only applies to the Plan Year beginning on January 1, 2018.Description of Default InvestmentThe Plan Sponsor has designated an age-appropriate Vanguard Target Retirement Trust II fund as the QDIA for the Plan. This noticeprovides information about this default investment fund. Included with this notice is a description of this fund’s underlying investmentobjectives, risk and return characteristics, and fees and expenses.Your future contributions and your existing account balance will continue to be invested in this default investment fund unless you makea different investment choice. If you do not want to be invested in this fund, you must make a different investment choice.Your investment returns are reduced by various fees and expenses. The expense ratios for the funds in your plan’s QDIA are listedbelow. Please see the attached User’s Guide for a detailed description of an expense ratio. The expense ratios included in this noticereflect the expenses specific to your Plan.Year of BirthFund1947 or beforeVanguard Target Retirement Income Trust II0.08%1948 – 1952Vanguard Target Retirement 2015 Trust II0.08%1953 – 1957Vanguard Target Retirement 2020 Trust II0.08%1958 – 1962Vanguard Target Retirement 2025 Trust II0.08%1963 – 1967Vanguard Target Retirement 2030 Trust II0.08%1968 – 1972Vanguard Target Retirement 2035 Trust II0.08%1973 – 1977Vanguard Target Retirement 2040 Trust II0.08%1978 – 1982Vanguard Target Retirement 2045 Trust II0.08%1983 – 1987Vanguard Target Retirement 2050 Trust II0.08%1988 – 1992Vanguard Target Retirement 2055 Trust II0.08%1993 – 1997Vanguard Target Retirement 2060 Trust II0.08%1998 or afterVanguard Target Retirement 2065 Trust II0.08%The most recent fund fact sheets are enclosed for your review.Net Expense Ratio

FUND FACT SHEET USER’S GUIDEThis guide will help provide a glossary of terms and benchmark definitions commonly found on fund fact sheets.In providing this information Prudential Retirement is not undertaking to provide impartial investment advice, or to give advice in a fiduciary capacity.Prudential Retirement may benefit from advisory and other fees paid to it or its affiliates for managing, selling, or settling of the Prudential mutual funds andother investment products or securities offered by Prudential Retirement or its affiliates. Investment vehicles sponsored or managed by a Prudential Retirementaffiliate generate more revenue for the Prudential enterprise than non-proprietary investment vehicles. Prudential Retirement's sales personnel generallyreceive greater compensation if plan assets are invested in proprietary investment vehicles. Prudential Retirement may benefit directly from the differencebetween investment earnings of Prudential Retirement's stable value funds and the amount credited to deposits in those funds. Prudential Retirement may alsobenefit from broker-dealer or other entities’ co-sponsorship of Prudential conferences.Fund/Portfolio Catagory Morningstar, an investment research and investmentmanagement firm, assigns each mutual fund to a category, based on their actualinvestment style as measured by their underlying portfolio holdings over the pastthree years. Categories for Manager of Managers separate accounts are determined by Prudential.Portfolio Manager The name of the person(s) who determines which stocks,bonds and cash equivalents belong in the investment portfolio.Expense Ratio The net and gross expenses shown include the total operatingexpenses of the funds and the indirect expenses of the funds’ underlying portfolios.Your investment returns are reduced by various fees and expenses. For each planinvestment option, the “Expense Ratio” presentation shows these charges as anannual percentage. Depending on the type of investment, these charges are paid toPrudential or to unaffiliated mutual fund complexes or bank collective trusts. Formutual funds the Expense Ratio is not reduced by any fee or expense waivers fromthe fund complex (i.e., Gross Expense Ratio), and therefore the actual Expense Ratiomay be lower. For other investment options, including separate accounts and bankcollective trusts, the benefit of any waivers is reflected in the Expense Ratio (i.e.,Net Expense Ratio).Morningstar Style BoxTM sdsdsdsddssdsdsdssdsssdsdsds sdThe Morningstar Style BoxTM reveals a fund’s investment strategy. For equity fundsthe vertical axis shows the market capitalization of the long stocks owned and thehorizontal axis shows investment style (value, blend, or growth).Morningstar Style Box/Investment Style Box While the category descriptiontells you how the portfolio has been run in the past, the Style Box is a snapshot ofwhat the portfolio currently owns. For equity separate accounts, Investment StyleBox data is based on a quarter lag and assigned by Prudential.For fixed-income funds, the vertical axis shows the credit quality of the long bondsowned and the horizontal axis shows interest rate sensitivity as measured by abond's effective duration.Morningstar seeks credit rating information from fund companies on a periodicbasis (e.g., quarterly). In compiling credit rating information Morningstar acceptscredit ratings reported by fund companies that have been issued by all NationallyRecognized Statistical Rating Organizations (NRSROs). For a list of all ketreg/ratingagency.htm.Additionally, Morningstar accepts foreign credit ratings from widely recognized orregistered rating agencies. If two rating organizations/agencies have rated a security, fund companies are to report the lower rating; if three or moreorganizations/agencies have rated a security, fund companies are to report themedian rating, and in cases where there are more than two organization/agencyratings and a median rating does not exist, fund companies are to use the lower ofthe two middle ratings. PLEASE NOTE: Morningstar, Inc. is not itself an NRSRO nordoes it issue a credit rating on the fund. An NRSRO or rating agency ratings canchange from time-to-time.Overall Morningstar RatingTM Portfolio’s overall rating.Morningstar RatingTM (Open End Mutual Funds, Closed End Funds, orVariable Annuity Underlying Funds)For each fund with at least a three-year history, Morningstar calculates aMorningstar Rating based on a Morningstar Risk-Adjusted Return measure thataccounts for variation in a funds’ monthly performance (including the effects ofsales charges, loads, and redemption fees), placing more emphasis on downwardvariations and rewarding consistent performance. The top 10% of funds in eachcategory receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. (Eachshare class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) TheOverall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-, five-, and ten-year (if applicable)Morningstar Rating metrics. Past performance is no guarantee of future results.For credit quality, Morningstar combines the credit rating information provided bythe fund companies with an average default rate calculation to come up with aweighted-average credit quality. The weighted-average credit quality is currently aletter that roughly corresponds to the scale used by a leading NRSRO. Bond fundsare assigned a style box placement of "low", "medium", or "high" based on theiraverage credit quality. Funds with a low credit quality are those whose weightedaverage credit quality is determined to be less than "BBB-"; medium are those lessthan "AA-", but greater or equal to "BBB-"; and high are those with a weighted-average credit quality of "AA-" or higher. When classifying a bond portfolio, Morningstarfirst maps the NRSRO credit ratings of the underlying holdings to their respectivedefault rates (as determined by Morningstar's analysis of actual historical defaultrates). Morningstar then averages these default rates to determine the averagedefault rate for the entire bond fund. Finally, Morningstar maps this average defaultrate to its corresponding credit rating along a convex curve.Morningstar RatingTM (Group Annuity- Variable Annuity Subaccounts)The Morningstar Rating is provided for those group variable annuities with at leasta three-year history. Ratings are based on the group variable annuity’s MorningstarRisk-Adjusted Return measure which accounts for variation in monthly performance,placing more emphasis on downward variations and rewarding consistent performance. Morningstar compares each group variable annuity’s risk-adjusted return to theopen-end mutual fund rating breakpoints for that category. The group variable annuityMorningstar Rating does not affect the retail mutual fund data published byMorningstar. Consistent with the open-end mutual fund ratings, the top 10% of groupvariable annuities in each category receive 5 stars, the next 22.5% receive 4 stars, thenext 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive1 star. The Overall Morningstar Rating for each group variable annuity is derived froma weighted average of the performance figures associated with its three-, five- andten-year (if applicable) Morningstar Rating metrics. Past performance is no guaranteeof future results.For interest-rate sensitivity, Morningstar obtains from fund companies the averageeffective duration. Generally, Morningstar classifies a fixed-income fund's interestrate sensitivity based on the effective duration of the Morningstar Core Bond Index(MCBI), which is currently three years. The classification of Limited will be assignedto those funds whose average effective duration is between 25% to 75% of MCBI'saverage effective duration; funds whose average effective duration is between 75%to 125% of the MCBI will be classified as Moderate; and those that are at 125% orgreater of the average effective duration of the MCBI will be classified as Extensive.For municipal bond funds, Morningstar also obtains from fund companies the average effective duration. In these cases static breakpoints are utilized. These breakpoints are as follows: (i) Limited: 4.5 years or less; (ii) Moderate: more than 4.5years but less than 7 years; and (iii) Extensive: more than 7 years. In addition, fornon-US taxable and non-US domiciled fixed income funds static duration breakpoints are used: (i) Limited: less than or equal to 3.5 years; (ii) Moderate: greaterthan 3.5 and less than equal to 6 years; (iii) Extensive: greater than 6 years.Morningstar RatingTM (Based on Extended Performance)Please note, some of the Morningstar proprietary calculations, including theMorningstar Rating , are not customarily calculated based on adjusted historicalreturns. The evaluation of this investment does not affect the retail mutual funddata published by Morningstar. For each retail mutual fund with at least a threeyear history, Morningstar calculates a Morningstar Rating based on aMorningstar Risk-Adjusted Return measure that accounts for variation in a fund’smonthly performance (including the effects of sales charges, loads, and redemptionfees), placing more emphasis on downward variations and rewarding consistentperformance. The top 10% of funds in each category receive 5 stars, the next22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 starsand the bottom 10% receive 1 star. (Each share class is counted as a fraction of onefund within this scale and rated separately, which may cause slight variations in thedistribution percentages.) The Overall Morningstar Rating for a retail mutual fund isderived from a weighted average of the performance figures associated with itsthree-, five- and ten-year (if applicable) Morningstar Rating metrics. This investment’s independent Morningstar Rating metric is then compared against the retailmutual fund universe breakpoints to determine its hypothetical rating. Past performance is no guarantee of future results.The Fund Fact Sheet User’s GuideMorningstar Volatility Rank is an investment’s 3-year standard deviation overallpercentile rank within its US open-end, VA/L fund, or VA/L subaccount universe.The investment with the lowest standard deviation receives a rank of 1. We thenclassify investment portfolios as having one of three volatility levels relative to alltypes of mutual funds: Low, Moderate, and High. Investments with wider ranges ofreturns are labeled “high,” as they are considered riskier than “low” volatilityinvestments, which have had smaller ranges of returns.Page 110233352

Manager-of-Managers Institutional Sub-Advised Separate Accounts Withrespect to separate accounts designated by Prudential as Institutional Sub-Advised Fundsunder the Manager-of-Managers Program, PRIAC acknowledges it is a fiduciary asdefined by ERISA Section 3(38), as amended, for the selection, monitoring, and, if necessary, the replacement of the investment manager. Selection or termination of the fund ona retirement plan's investment line-up is the sole responsibility of each retirement plan'sfiduciary. 2017 Morningstar. All Rights Reserved. The information contained herein: (1)is proprietary to Morningstar and/or its content providers; (2) may not be copied ordistributed; and (3) is not warranted to be accurate, complete or timely. NeitherMorningstar nor its content providers are responsible for any damages or lossesarising from any use of this information. Past performance is no guarantee of futureresults.Annual Performance Calendar year returns for the fund and corresponding benchmarks.Manager-of-Managers Retail-Branded Sub-Advised Separate Accounts Withrespect to separate accounts designated by Prudential as Retail-Branded Sub-AdvisedFunds under the Manager-of-Managers Program, PRIAC acknowledges it is a fiduciary asdefined by ERISA Section 3(38), as amended, for the selection, monitoring, and if necessary, replacement of the investment manager. Selection or termination of the Fund on aretirement plan’s investment line-up is the sole responsibility of each retirement plan’sfiduciary.Top Five Holdings The top holdings are the stocks or bonds with the most influence on a portfolio’s returns.Allocation We break down the investment holdings into general investment classes. The pie chart shows how much emphasis is placed on stocks, bonds or cash. Wealso show how much is held in foreign stocks. Bond investments replace the portfolio allocation chart with the following: Quality Distribution: We reveal the qualityof the bonds in a bond-heavy portfolio, from least risky to most risky, with the percentage assigned to each.Proprietary Separate Accounts Proprietary Funds are managed by an affiliate ofPRIAC. Although PRIAC may provide periodic monitoring with respect to certainProprietary Funds, Proprietary Funds are not part of PRIAC’s Manager-of-ManagersProgram, and therefore, PRIAC does not assume any responsibility with respect to theselection, monitoring, or replacement of the investment manager. Selection or termination of the Fund on a retirement plan’s investment line-up is the sole responsibility ofeach retirement plan’s fiduciary.Sector Allocation Morningstar classifies each stock holding into 11 major industrial sectors for all Retail, Non-Qualified and Variable Annuity Fact sheets. The topfive are listed on the Fund Fact Sheets. For Manager of Managers InstitutionalEquity Sub-Advised Separate Accounts Source of Sector Classification: S&P/MSCI.Prudential Retirement Separate Account Fund-of-Fund Products These Fund-ofFunds are not part of the Manager-of-Managers program, and therefore, PRIAC does notassume any responsibility with respect to the selection, monitoring, or replacement of theunderlying investment options. Selection or termination of the Fund on a retirementplan’s investment line-up is the sole responsibility of each retirement plan’s fiduciary.Performance The total return is shown for the quarter, year-to-date and precedingyear, as well as the average annual total return for the past three, five, and 10 years,or since inception. To provide you with a point of comparison, the returns of thebenchmark indexes are shown for the quarter, year-to-date, one, three, five and 10year periods. For Manager of Managers separate accounts, we may also present asecond index reflecting the category’s performance.Custom Plan Investment Options (Recordkeeping Constructs)These investment options are designed and maintained by your plan sponsor and/or theplan's investment adviser and are not investment options offered by PRIAC. PRIAC provides investors with the information in this Fact Sheet to assist them in making investment decisions regarding the investment option. Investors must determine whether anyother information is necessary in making those decisions. The investor is solely responsible for obtaining any other information required by the investor, which may not be available from PRIAC. The investor is solely responsible for the decision to invest or continueto invest in the investment option. PRIAC assumes no responsibility for any investor’sdecision to invest or continue to invest in the investment option. Selection or terminationof the Fund on a retirement plan’s investment line-up is the sole responsibility of eachretirement plan’s fiduciary. These investment options are not part of the Manager-ofManagers program.Benchmark Performance The holdings and characteristics may differ from thoseof the benchmark(s), and such differences may be material. Factors affecting portfolio performance that do not affect benchmark performance may include portfoliorebalancing, the timing of cash flows, credit quality, diversification and differencesin volatility. In addition, financial indices do not reflect the impact of fees, applicable taxes or trading costs which reduce returns. Unless otherwise noted, financialindices assume reinvestment of dividends. You cannot make a direct investment inan index. The statistical data regarding such indices has not been independentlyverified.Description of PRIAC Separate AccountsDescription of PICA Separate AccountsIn addition to registered mutual funds and bank collective trust funds, PRIAC makes available an array of insurance company separate accounts (“Separate Account”) from whichthe retirement plan’s fiduciary can construct the investment lineup for your retirementplan. A PRIAC Separate Account is an insurance company separate account whoseinvestors include only qualified retirement plans and certain governmental retirementplans. PRIAC makes most Separate Accounts available as commingled investment vehicles; however, in certain instances, PRIAC may make a Separate Account available onlyto a single retirement plan client.The Prudential Insurance Company of America, Inc. (PICA) makes available groupannuity insurance contracts such as variable annuities and insurance company separate accounts to institutional clients. Each retirement plan’s fiduciary is generallyresponsible for all investment decisions related to its plan and for selecting theinvestment options for the retirement plan’s investment lineup. Each retirementplan’s fiduciary is also responsible for monitoring and, if necessary, replacing theinvestment options on the retirement plan’s investment lineup.PRIAC offers a variety of different types of Separate Accounts through a group annuitycontract issued by PRIAC. Each retirement plan’s fiduciary is generally responsible for allinvestment decisions related to its plan and for selecting the investment options for theretirement plan’s investment lineup. Each retirement plan’s fiduciary is also responsiblefor monitoring and, if necessary, replacing the investment options on the retirementplan’s investment lineup. The following is a general description of the types of SeparateAccounts offered by PRIAC.For More InformationPara hablar con un representante de servicios al cliente en español (u otroslenguajes), por favor, llama a nuestro numero gratuito 800 entre las 8:00 a.m. ylas 8:00 p.m., Hora del Este, días de trabajo. (To speak with a Prudential ServiceRepresentative through an interpreter in Spanish (or other languages), please call our tollfree number week-days between 8:00 a.m. and 8:00 p.m. Eastern Time.)A Custom Client Separate Account PRIAC provides investors with the information inthis Fact Sheet to assist them in making investment decisions regarding the Fund.Investors must determine whether any other information is necessary in making thosedecisions. The investor is solely responsible for obtaining any other information requiredby the investor, which may not be available from PRIAC. The investor is solely responsiblefor the decision to invest or continue to invest in the Fund. PRIAC assumes no responsibility for any investor’s decision to invest or continue to invest in the Fund. Selection ortermination of the Fund on a retirement plan’s investment line-up is the sole responsibility of each retirement plan’s fiduciary. These Separate Accounts are not part of theManager of Manager’s program.Mutual funds are distributed by Prudential Investment Management Services LLC. (PIMS)a registered broker-dealer. Prudential Fixed Income and Prudential Real Estate Investorsare units of PGIM, Inc. Effective January 4, 2016, Prudential Investment Management(“PIM”) rebranded itself as PGIM to coincide with the expansion of its businesses aroundthe world. QMA, Jennison Associates, and PGIM are registered investment advisors. Allare Prudential Financial companies and affiliates of Prudential Retirement Insurance andAnnuity Company (PRIAC).QMA is the primary business name of Quantitative Management Associates LLC.Institutional Select Separate Accounts PRIAC provides investors with the information in this Fact Sheet to assist them in making investment decisions regarding the Fund.Investors must determine whether any other information is necessary in making thosedecisions. The investor is solely responsible for obtaining any other information requiredby the investor, which may not be available from PRIAC. The investor is solely responsiblefor the decision to invest or continue to invest in the Fund. PRIAC assumes no responsibility for any investor’s decision to invest or continue to invest in the Fund. TheseSeparate Accounts are not part of the Manager-of-Managers program and therefore,PRIAC does not assume any responsibility with respect to the selection, monitoring, orreplacement of the investment manager. Selection or termination of the Fund on a retirement plan’s investment line-up is the sole responsibility of each retirement plan’s fiduciary.The Fund Fact Sheet User’s GuidePage 220233352

Benchmark DefinitionsMSCI has not approved, reviewed or produced this report, makes no express or implied warranties or representations and is not liable whatsoever for any data in the report. You maynot redistribute the MSCI data or use it as a basis for other indices or investment products. Certain information contained in this product or report is derived by PGIM, Inc. in part fromMSCI’s EAFE, Emerging Markets , Europe ex U.K., Japan Net Dividend, Pacific Ex Japan Net Dividend and/or United Kingdom Net Dividend Index (the “Index Data”).However, MSCI has not reviewed this product or report, and MSCI does not endorse or express any opinion regarding this product or report or any analysis or other information containedherein or the author or source of any such information or analysis. Neither MSCI nor any third party involved in or related to the computing or compiling of the Index Data makes anyexpress or implied warranties, representations or guarantees concerning the Index Data or any information or data derived therefrom, and in no event shall MSCI or any third party haveany liability for any direct, indirect, special, punitive, consequential or any other damages (incuding lost profits) relating to any use of this information. Any use of the Index Data requiresa direct license from MSCI. None of the Index Data is intended to constitute investment advice or a recommendation to make (or refrain from making) any kind of investment decisionand may not be relied on as such. Source: Bloomberg Barclays Indices, POINT 2017 Bloomberg Barclays Inc.:"Bloomberg Barclays and POINT are registered trademarks of Bloomberg Barclays Inc. or its affiliates".3-Year Constant Maturity Treasury(CMT) Index: Treasury Yield Curve Rates,commonly referred to as "ConstantMaturity Treasury" rates, or CMTs, areinterpolated by the U.S. Treasury from thedaily yield curve. This curve, which relatesthe yield on a security to its time to maturity is based on the closing market bid yieldson actively traded Treasury securities inthe over-the-counter market. These marketyields are calculated from composites ofquotations obtained by the Federal ReserveBank of New York. The yield values areread from the yield curve at a fixed maturityof 3 years.3-Year Treasury Average Yield: Theaverage daily treasury yield for U.S.Treasury Notes with a maturity of threeyears (negotiable debt obligations of theU.S. Government, considered intermediatein maturity).5-Year Treasury Average Yield: Theaverage daily treasury yield for U.S.Treasury Notes with a maturity of fiveyears (negotiable debt obligations of theU.S. Government, considered intermediatein maturity).Aggregate Bond Index (40%).Bloomberg Barclays Global AggregateBond Index Ex-US (USD Hedged):Measures the performance of global investment grade fixed-rate debt markets thatexcludes USD-dominated securities.Bloomberg Barclays Municipal 10 Yr 812 Index: Measures the performance ofUSD-denominated long-term tax exemptbond market with maturities of 10 years(812), including state and local general obligation bonds, revenue bonds, insured bonds,and prerefunded bonds.Bloomberg Barclays Municipal 20 Yr17-22 Index: Measures the performance ofUSD-denominated long-term tax exemptbond market with maturities of 20 years(1722), including state and local general obligation bonds, revenue bonds, insured bonds,and prerefunded bonds.Bloomberg Barclays Municipal 3 Yr 2-4Index: Measures the performance of USDdenominated long-term tax exempt bondmarket with maturities of 3 years(2-4),including state and local general obligationbonds, revenue bonds, insured bonds, and60% Russell 1000 Growth Index/40% prerefunded bonds.Bloomberg Barclays U.S. Aggregate Bloomberg Barclays U.S. AggregateBond Index: An unmanaged, weighted- Bond Index: Measures the performance ofaverage composite consisting of the Russell investment grade, U.S. dollar-denominated,1000 Growth Index (60%) and the fixed-rate taxable bond market, includingBloomberg Barclays Aggregate Bond Index Treasuries, government-related and corpo(40%).rate securities, MBS (agency fixed-rate and60% Russell 1000 Growth Index/40% hybrid ARM pass-through’s), ABS, andBloomberg Barclays U.S. Intermediate CMBS. It rolls up into other BloombergGovernment/ Credit Index: An unman- Barclays flagship indices, such as the multiaged, weighted-average composite con- currency Global Aggregate Index and thesisting of the Russell 1000 Growth Index U.S. Universal Index, which

1973 – 1977 Vanguard Target Retirement 2040 Trust II 0.08% 1978 – 1982 Vanguard Target Retirement 2045 Trust II 0.08% 1983 – 1987 Vanguard Target Retirement 2050 Trust II 0.08% 1988 – 1992 Vanguard Target Retirement 2055 Trust II 0.08% 1993 – 1997 Vanguard Target Ret

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