Investment Options

The SMART Plan offers an investment fund lineup with a broad range of asset classes. To learn more about an individual investment option, review the fund overviews found below.

Now is a great opportunity to revisit your account balance, investment mix, and future contributions to ensure your retirement planning strategy is helping you reach your retirement destination. Review your Plan account today.

Fund Name Underlying Fund Asset Class Benchmark
Diversified Bond Fund

Loomis Sayles Core Plus Fixed Inc

Reams Unconstrained Bond Fund

Northern Trust Aggregate Bond Index

Bond-Intermediate Barclays Capital Aggregate Bond Index
Large Company Growth Stock Fund

Wellington Dynamic Growth Fund

JP Morgan Growth Advantage Fund

Fidelity Growth Company Fund

Northern Trust Russell 1000 Growth Index

Large Cap-Growth Russell 3000 Growth Index
Large Company Blend Stock Fund

Vanguard Dividend Growth Fund Investor Shares

Manulife US Large Cap Core Strategy

PIMCO RAE Fundamental PLUS Fund

Northern Trust S&P 500 Index

Large Cap-Blend S&P 500 Index
Large Company Value Stock Fund

Dimensional US Large Cap Value Strategy

Robeco Boston Partners Large Cap Value Equity Strategy

Northern Trust Collective Russell 1000 Value

Non-Lending Fund

Large Cap-Value Russell 1000 Value Index
High Yield Bond Fund

Eaton Vance High Yield Bond Strategy

Nomura High Yield Total Return Strategy

Bond-Intermediate1,2 Merrill Lynch U.S. High Yield Index
Real Estate "REIT" Fund Brookfield US Real Estate Securities Value Income Strategy Active Real Estate3 NAREIT Equity Index
Small Company Stock Fund

DFA US Small Cap Strategy

PENN Capital Small Cap Equity

NWQ Small Cap Value

Northern Trust Liquidity Fund

Small Cap-Growth4 Russell 2000 Index
International Stock Index Fund State Street Global All-Cap Equity Ex-US Index International Equity-Passive5 MSCI All-Country World Ex-USA IMI
Treasury Inflation Protection Securities "TIPS" Index Fund State Street 1 – 10 Year US Treasury Inflation Protected Securities (TIPS) Treasury Inflation Protection Securities "TIPS" – Passive6 Barclays 1 – 10 Government Inflation-Linded Bond Index
Large Company Stock Index Fund State Street S&P 500 Idx Securities Lending Series I Large Cap-Passive S&P 500 Index
Small Company Stock Index Fund State Street Russell Small Cap Index Securities Lending Series I Small Cap-Passive4 Russell 2000 Index
Bond Index Fund State Street US Bond Idx Securities Lending Series I Bond-Passive Intermediate1 Barclays Capital Aggregate Bond Index
SMART Capital Preservation Fund

GSAM Stable Value

Stable Value Barclays Capital 3-Month US T-Bill Index
International Equity Fund

Harding Loevner Inst'l International Equity Portfolio

MFS Inst'l International Equity Fund


International Equity5

SMART Real Return Fund GMO Benchmark-Free Allocation Series Fund R6 Inflation Targeting Strategies7 Barclays US Treasury Inflation 1-10YR Consumer Price Index + 500 Basis Point
SMARTPath Retirement Allocation to SMARTPath 2060 Various options currently included in the Plan Target Retirement Date8,9 N/A

Please consider the investment objectives, risks, fees and expenses carefully before investing. For this and other important information you may obtain mutual fund prospectuses and disclosure documents by going to the Fund Performance tab. Read them carefully before investing.

1. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa.

2. Compared to higher rated securities, high yield bond investment options are subject to greater risk, including the risk of default.

3. Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws, or losses from casualty. Real estate securities that invest in foreign real estate involve additional risk, including currency fluctuations and political developments.

4. Equity securities of small and mid-sized companies may be more volatile than securities of larger, more established companies.

5. Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments.

6. Certain underlying funds invest in inflation protected bonds ("TIPS"). Unlike conventional bonds, the principal or interest of TIPS is adjusted periodically to a specified rate of inflation (e.g., Consumer Price Index for all Urban Consumers [CPI-U]). There can be no assurance that the inflation index used will accurately measure the actual rate of inflation.

7. The value of commodity-linked investments may be affected by financial factors, political developments and natural disasters. As such, investment options that invest primarily in commodities may experience greater volatility than investments in traditional securities.

8. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

9. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. For more information, please refer to the fund prospectus and/or disclosure document.