This chart helps you visualize your account's net investment history and how the value of those investments has changed over time.

The period return given below the chart is a cumulative total return, and for periods greater than one year an annualized return. Both are measures of performance which factor in activity affecting your account, such as...

• Contributions by you and/or your employer
• Your rate of deferral
• Any withdrawals processed during the period

This figure represents an estimate of the performance of your investment holding(s) over different time periods, and is calculated using the using the "Time-Weighted Rate of Return Modified Dietz Method," a widely accepted industry standard and recommended by AIMR© - the Association of Investment Management and Research. There are other calculation methods used that may yield different results. Remember, past performance is no guarantee of future results — don't be tempted to shift money between funds based on a single year's results. Rather, you should monitor your personal performance over an extended period of time and consider other factors — such as your investment objective, time horizon, risk tolerance, and personal financial situation — before making changes to your portfolio.