Investment Performance

ABC SAMPLE PLAN D34730

 

Fixed Account

The rate of interest to be credited on all new contributions received in your AUL FIXED ACCOUNT is 3.75 percent. The weighted average rate of interest on the AUL FIXED ACCOUNT balance as of is 3.75 percent. Interest rates are subject to change each quarter of the calendar year.6

  = A check mark indicates investment options with a balance.

Note: Returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, thus a participant's units may be worth more or less than their original cost when redeemed.

Note: Annualized total return figures shown are net of the ordinary operating expenses for each fund, but may not reflect a deduction for any contract related charges and fees such as mortality & expense risk charges, administrative expenses, premium tax charges, maintenance fees or other expenses that might be incurred under a group variable annuity contract. If included in these total return figures, any such charges would lower the performance shown. For a complete description of the charges, expenses or fees that apply to your contract, please contact your Employer or Plan Administrator. For a more complete description of the performance calculation and other important information, write to OneAmerica Securities, Inc., 433 N. Capitol Ave., Indianapolis, IN 46204, 1-800-249-6269.

Note: The current percentage reduction for recurring expense (e.g. investment advisory fees and ordinary operating expenses, administrative charges, mortality and expense risk charges) within your AUL contract is 0.50%.

Note: An investment in the OneAmerica Money Market investment account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any government agency. Although the account seeks to maintain a stable unit value, it is possible to lose money by investing in the account.

Annualized Performance 1 for period ending

Investment Option Name (Internal ID) Investment Type Expense Ratio YTD 1 Year 3 Years 5 Years 10 Years or Inception Inv Opt Inception

Fix Int/Stable Value/Cash

 OneAmerica Money Market (BMMK) 7, 8 Cash 0.80 4.15 4.57 3.65 2.35 3.05 04/12/1990

Intermediate-Term Bonds

 PIMCO Total Return (PTRR) 1 Int Term Bond 1.15 7.96 6.99 4.65 N/A 4.57 12/31/2002

High Yield Bonds

 Amer Fds Ameri High Inc Trst (AFHI) 1, 2 High Yield Bond 1.05 1.02 2.28 5.74 10.61 5.89 02/29/1988

Large-Cap Stocks

 AmCent Equity Income (AEIA) Large Cap Value 1.22 2.13 3.65 8.64 11.12 9.79 03/07/1997

Large-Cap Stocks

 OneAmerica Value (BVKK) 8 Large Cap Value 0.88 5.02 5.00 10.30 14.35 10.33 04/12/1990

Large-Cap Stocks

 T Rowe Price Growth Stock (TLCG) 9 Large Cap Growth 1.18 10.22 11.80 11.26 12.33 7.52 04/11/1950

Mid-Cap Stocks

 Goldman Sachs Mid Value (GSML) 3 Mid Cap Value 1.27 1.70 1.56 10.88 15.55 10.19 07/18/1997

Mid-Cap Stocks

 Fidelity Adv LevCo Stk (FALT) 3, 10 Mid Cap Blend 1.40 17.18 17.45 16.34 28.45 20.79 12/27/2000

Mid-Cap Stocks

 Thornburg Core Growth (TBCG) 12 Mid Cap Growth 1.50 12.07 9.86 19.16 22.26 8.04 12/27/2000

Small-Cap Stocks

 Fidelity Adv Small Cap (HASC) 3, 10 Small Cap Growth 1.50 10.61 11.51 10.51 15.78 13.80 09/09/1998

Foreign Stocks

 Thornburg International Value (TINV) 4, 12, Foreign Blend 1.45 28.43 33.04 25.53 25.01 14.60 05/28/1998

World Stocks

 Invesco Global Equity (AGTR) 4 World Stock 1.46 6.98 9.38 13.11 17.69 10.45 09/15/1997

Managed Asset Allocation

 Russell LifePoints® 2010 Strat (RS10) 5, 11 Mgd Asset Allocation 1.44 6.48 6.80 N/A N/A 7.13 12/31/2004

Managed Asset Allocation

 Russell LifePoints® 2020 Strat (RS20) 5, 11 Mgd Asset Allocation 1.51 7.18 8.07 N/A N/A 8.73 12/31/2004

Managed Asset Allocation

 Russell LifePoints® 2030 Strat (RS30) 5, 11 Mgd Asset Allocation 1.61 7.89 9.61 N/A N/A 10.25 12/31/2004

Managed Asset Allocation

 Russell LifePoints® 2040 Strat (RS40) 5, 11 Mgd Asset Allocation 1.63 7.82 9.66 N/A N/A 10.74 12/31/2004

Note: View more information about the investment option summaries.

Note: Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges.

Note: Unit values given in this statement are based on net asset values provided by the funds and are not independently verified by AUL. If AUL receives inaccurate information, the unit value may be affected accordingly. If an error is subsequently discovered by any fund and reported to AUL, a participant's account will be recalculated to reflect the correct fund value, provided that the error was material under federal securities laws.

 

Asset Class and Investment Option Specific Disclosures

1.

Bond funds have the same interest rate, inflation and credit risks associated with the individual securities owned by the fund.

2.

An investment in high yield securities may be subject to more credit risks and greater defaults than higher quality securities.

3.

Micro-, Small- and Mid-Cap company stocks are more volatile than large company stocks.

4.

There are additional risks associated with international investing, such as currency fluctuations, economic and political factors, etc. not associated with investing exclusively in the U.S.

5.

Target Date Funds are designed for people who plan to retire during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The funds are not guaranteed at any point and may lose value.

6.

The AUL Fixed Account is an interest-earning investment option, backed by AUL's general account assets. AUL guarantees that interest will be credited at the higher of the rate guaranteed in the group variable annuity contract and the current rate declared by it. AUL may change the initial interest rate for future contributions. New contributions are guaranteed to earn the applicable initial interest rate for at least a one-year time period from the date the contributions are made. Changes in the initial interest rate or in the interest rate for prior contributions will also be effective for at least one year. In no event will the interest rate ever be below the rate guaranteed in the group variable annuity contract. The guarantee is based on the continued claims-paying ability of AUL.

7.

The current 7-day yield more closely reflects the current earnings of the OneAmerica Money Market investment option than does the total average annual return. The current 7-day yield does not reflect any charges that may be deducted from participant accounts of distribution proceeds.

8.

The inception date of each Advisor share class portfolio of the OneAmerica Funds, Inc. mutual fund is March 31, 2003. Performance reported prior to this date was calculated by adjusting the underlying fund's performance for any asset-based charge specific to the Advisor share class.

9.

The inception date of each T. Rowe Price R share class fund is September 30, 2002. Performance reported prior to this date was calculated by adjusting the underlying fund's performance for any asset-based charge specific to the R share class.

10.

Fidelity or Fidelity Investments and Pyramid Design are registered service marks of FMR Company. American United Life Insurance Company® and Fidelity Investments are not affiliated.

11.

LifePoints is a registered trademark of Frank Russell Company. Each of the LifePoints® Funds invests its assets in shares of a number of underlying Frank Russell Investment Company Funds. Each of the LifePoints® Funds will adjust its investments within set limits based on Russell's outlook for the economy, financial markets, and relative market valuation of the asset classes represented by each underlying Fund. However, the LifePoints® Funds may deviate from set limits when, in Russell's opinion, it is necessary to do so to pursue each Fund's investment objective. The amounts allocated to each underlying fund will generally vary within 10%.

12.

The performance shown for the Thornburg funds is performance for the R Class shares of these funds. Returns prior to the R Class inception date are hypothetical results based on A Class share returns at net asset value, adjusted to reflect additional R Class 12b-1 fees.

AUL Specific Disclosures

Note: The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit, or protect against loss in a declining market.

Note: Non-registered group variable annuity contracts are issued by American United Life Insurance Company® (AUL), One American Square, P.O. Box 368, Indianapolis, IN 46206-0368, 1-800-249-6269. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract.

Note: Participants invest in AUL separate accounts, which in turn invest in underlying funds. Plan participants own units of an AUL separate account, not shares of any underlying fund.

Note: AUL receives revenue from the investment management companies that provide the underlying investments. This revenue can be in the form of 12-b(1) fees, Sub T-A Fees, Shareholder Service Fees or other types of fees. This revenue offsets AUL's expense related to the services it provides under and in connection with the group annuity contract(s) that serves as the funding vehicle(s) for a retirement plan.
 

Get Adobe Acrobat Reader