IUE-CWA 401(k) Plan  -- Appendix A
 
Please note:  the following are brief descriptions of the funds offered by the Plan as of 06/20/2019. Additional information is available by logging into your account or by contacting the Plan Office.
 
To learn about the current performance and risk information for these investment options, please contact the office at 888-803-7449 to request the most up-to-date information sheets.
 

• American Funds American Balanced A  – ABALX
  • The investment seeks conservation of capital, current income and long-term growth of capital and income. The fund uses a balanced approach to invest in a broad range of securities, including common stocks and investment-grade bonds. It also invests in securities issued and guaranteed by the U.S. government and by federal agencies and instrumentalities. In addition, the fund may invest a portion of its assets in common stocks, most of which have a history of paying dividends, bonds and other securities of issuers domiciled outside the United States.

 
 

• Baird Aggregate Bond Inv – BAGSX
  • The investment seeks an annual rate of total return, before fund expenses, greater than the annual rate of total return of the Barclays U.S. Aggregate Bond Index. The fund normally invests at least 80% of its net assets in the following types of U.S. dollar-denominated debt obligations: U.S. government and other public-sector entities; asset-backed and mortgage-backed obligations of U.S. and foreign issuers; corporate debt of U.S. and foreign issuers. It only invests in debt obligations rated investment grade at the time of purchase by at least one major rating agency or, if unrated, determined by Robert W. Baird & Co. Incorporated to be investment grade.

 
 

• Harbor Small Cap Value Investor – HISVX
  • The investment seeks long-term total return. The fund invests primarily in equity securities, principally common and preferred stocks, of small cap companies. Under normal market conditions, it invests at least 80% of its net assets, plus borrowings for investment purposes, in securities of small cap companies. The adviser defines small cap companies as those with market capitalizations that fall within the range of the Russell 2000® Index. The adviser expects to invest in approximately 55 to 70 companies.

 
 

• Harding Loevner International Equity Inv – HLMNX
  • The investment seeks long-term capital appreciation. The fund invests in companies based in developed markets outside the U.S. as well as in companies in emerging and frontier markets. It normally invests at least 80% of its net assets (plus any borrowings for investment purposes) in common stocks, preferred stocks, rights and warrants issued by companies that are based outside the United States, securities convertible into such securities (including Depositary Receipts), and investment companies that invest in the types of securities in which the Portfolio would normally invest. The fund normally holds investments across at least 15 countries.

 

• JHancock Disciplined Value R3 – JDVHX
  • The investment seeks to provide long-term growth of capital primarily through investment in equity securities; current income is a secondary objective. The fund normally invests at least 80% of its net assets in a diversified portfolio consisting primarily of equity securities, such as common stocks, of issuers with a market capitalization of $1 billion or greater and identified by the manager as having value characteristics. It may also invest up to 20% of its total assets in foreign currency-denominated securities. The fund may participate as a purchaser in initial public offerings of securities (IPO).

 
 

• Northern Mid Cap Index Fund – NOMIX
  • The investment seeks to provide investment results approximating the overall performance of the common stocks included in the Standard & Poor's MidCap 400® Composite Stock Price Index. The fund will invest substantially all (and at least 80%) of its net assets in equity securities included in the S&P MidCap 400® Index, in weightings that approximate the relative composition of securities contained in the S&P MidCap 400 Index, and in S&P MidCap 400 Index futures approved by the Commodity Futures Trading Commission.

 
 

• Northern Small Cap Index – NSIDX
  • The investment seeks to provide investment results approximating the aggregate price and dividend performance of the securities included in the Russell 2000® Index. The fund will invest substantially all (and at least 80%) of its net assets in the equity securities included in the Russell 2000 Index, in weightings that approximate the relative composition of securities contained in the Russell 2000 Index, and in Russell 2000 Index futures approved by the Commodity Futures Trading Commission. It is passively managed, which means it tries to duplicate the investment composition and performance of the index by using computer programs and statistical procedures.

 
 

• Oakmark International Investor – OAKIX
  • The investment seeks long-term capital appreciation. The fund invests primarily in a diversified portfolio of common stocks of non-U.S. companies. It may invest in non-U.S. markets throughout the world, including emerging markets. Ordinarily, the fund will invest in the securities of at least five countries outside of the U.S. There are no geographic limits on the fund's non-U.S. investments. The fund may invest in securities of large-, mid-, and small- capitalization companies.

 

• PIMCO Total Return – PTTAX
  • The fund seeks maximum total return, consistent with preservation of capital and prudent investment management.  The fund seeks to achieve its investment objective by investing in a diversified portfolio of fixed-income instruments.  The average portfolio duration normally varies within a three-to-six-year time frame. 

 
 

• Prudential Guaranteed Income
  • The Guaranteed Income Fund (GIF) is a Stable Value fund designed to provide safety of principal, liquidity, and a competitive rate of return.

 
 

• PGIM QMA Stock Index Z – PSIFX
  • The investment seeks to provide investment results that correspond to the price and yield performance of the S&P 500 Index. The fund normally invests over 80% of its investable assets in securities included in the S&P 500 Index in approximately the same proportions as those of the index. It employs a "passively managed"-or index-investment approach. The S&P 500 Index is an unmanaged, market-weighted index of over 500 stocks selected by S&P Dow Jones Indices LLC on the basis of their market size, liquidity and industry group representation.

 
 

• T. Rowe Price New America Growth R – PRWAX
  • The investment seeks to provide long-term capital growth. The fund invests primarily (at least 65% of its total assets) in common stocks of U.S. companies operating in those sectors of the economy that, in T. Rowe Price's view, are the fastest growing or have the greatest growth potential. It may invest in foreign stocks in keeping with the fund's objective. The fund may sell securities for a variety of reasons, such as to secure gains, limit losses, or redeploy assets into more promising opportunities.

 
 

• T. Rowe Price Retirement Advisor Class Shares
  • 2005 – PARGX
  • 2010 – PARAX
  • 2015 – PARHX
  • 2020 – PARBX
  • 2025 – PARJX
  • 2030 – PARCX
  • 2035 – PARKX
  • 2040 – PARDX
  • 2045 – PARLX
  • 2050 – PARFX
  • 2055 – PAROX
  • 2060 – TRRYX

 
 
The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a diversified portfolio of other T. Rowe Price stock and bond funds that represent various asset classes and sectors. Its allocation between T. Rowe Price stock and bond funds will change over time in relation to its target retirement date.