www.ingretirementplans.com/custom/sanjose
Vanguard® Target Retirement Funds
An easier way to invest your
deferred compensation savings
Investing for your
future doesn’t have
to be complicated.
With the San José Deferred
Compensation Plan, you decide how
to invest your contributions among
the available investment options in
the Plan. The Plan has an option
to help make it easier – Vanguard®
Target Retirement Funds.
“Diversifying” means
less investment risk
A Vanguard® Target Retirement Fund
is a “fund of funds.” It’s one fund
that invests in a diversified mix of
other Vanguard® mutual funds. This
mix is based on an asset allocation
strategy targeting a specific date.
Even if some investments
falter, others may perform
well. Although diversification
does not insure against a loss
or guarantee a profit, it may
help you weather the ups and
downs of the financial markets.
Vanguard® Target
Retirement Funds
Choose the Vanguard® Target
Retirement Fund that targets the date
you plan to begin receiving benefits.
There are five target date funds
to choose from. Each fund is
automatically rebalanced so that you
don’t have to manage your account.
And, the funds will automatically
shift to a more conservative
investment mix over time. This is
important because typically, the
closer you are to retirement and the
payment of benefits, the less risk
you may want to take.
®
Vanguard® Target Retirement
2025 Fund
Vanguard® Target Retirement
2015 Fund
Vanguard® Target Retirement
Income Fund
Lower
DEFER R ED CO MPENSATION PLAN
PLAN • SAVE • GROW
Investments in Target Retirement
Funds are subject to the risks of their
underlying funds. The year in the
Fund name refers to the approximate
year (the target date) when an
investor in the Fund would retire and
begin receiving benefits. The Fund
will gradually shift its emphasis from
more aggressive investments to more
conservative ones based on its target
date. An investment in the Target
Retirement Fund is not guaranteed
at any time, including on or after the
target date.
Vanguard® Target Retirement
2055 Fund
®
Vanguard Target Retirement
2045 Fund
Vanguard Target Retirement
2035 Fund
LowerHigher
Reward Potential
With diversification, your
money is spread across
different types of investments,
like stocks, bonds and others.
It helps reduce your overall risk.
You might want to consider
choosing a single Vanguard® Target
Retirement Fund for your entire
account. To pick a fund, choose the
one that’s closest to the date you
plan on receiving benefits.
Risk Potential
Higher
BD
BD
US ST
BD
N-US
N-US
US
US ST
ST
N-US
VANGUARD ® TARGET RETIREMENT FUNDS
What is your next step?
Haven’t enrolled in the San José Deferred
Compensation Plan?
Enroll today. You can choose from one of three
convenient options:
O
CC O
O
BDC
US ST
You should consider the investment risks, charges and
expenses of the investment options carefully before
investing. Prospectuses and an information booklet
containing this and other information can be obtained
by contacting your local representative. Please read the
information carefully before investing.
Already enrolled in the Plan?
Are you comfortable with managing your account on an
ongoing basis? If not, you may want to check whether a
Vanguard® Target Retirement Fund can make your investment
decisions easier. It may also help keep your investment mix
focused on your goals.
Already using a Vanguard® Target Retirement Fund?
Consider making the most of your decision by contributing
more to the Plan, based on your personal situation. You can
contribute up to the IRS maximum contribution limit.
To change your contribution, log onto
www.ingretirementplans.com, select “go to my account”
and in the left hand menu select “contributions” then “change
contributions”. Systematic investing doesn’t ensure profit nor
guarantee against loss. Consider whether you can consistently
invest in up as well as down markets.
Vanguard, Admiral,Windsor, and the ship logo are registered trademarks of
The Vanguard Group, Inc.
IMPORTANT INFORMATION: Group variable investment options are intended as
long-term investments designed for retirement purposes. Money distributed will be
taxed as ordinary income in the year the money is distributed. Account values fluctuate
with market conditions, and when surrendered the principal may be worth more or less
than its original amount invested.
ASSET
ALLOCATION
ASSET CLASS
CLASS
ALLOCATION
62.1%
U.S.
STOCKS
(US
ST)
20.4%
U.S. STOCKS (US ST)
50.4%
26.0%
NON-U.S.
STOCKS
(N-US)
8.5%
SM
NON-U.S. STOCKS (N-US)
20.9%
9.5%
BONDS
62.4%
BONDS (BD)
(BD)
25.5%
1.0%
CASH
7.7%
CASH (C)
(C)
1.9%
1.4%
OTHER
(O)
0.9%
OTHER (O)
1.3%
BD
Vanguard
Target Retirement Portfolios
N-US
N-US
USST
ST
US
BD
N-US
(August 27, 201
VANGUARD
TARGETRETIREMENT
VANGUARD® TARGET
TARGET
RETIREMENT 2055
2035 PORTFOLIO
VANGUARD®
2015 PORTFOLIO
RETIREMENT 2015 FUND
ASSET CLASS
CLASS
ALLOCATION
ASSET
ALLOCATION
U.S. STOCKS
STOCKS (US
(US ST)
ST)
60.9%
U.S.
61.9%
39.4%
NON-U.S.
STOCKS
(N-US)
25.3%
NON-U.S. STOCKS (N-US)
27.2%
16.4%
BONDS (BD)
(BD)
11.3%
BONDS
9.0%
40.4%
CASH (C)
(C)
1.1%
CASH
1.5%
2.5%
OTHER (O)
(O)
1.3%
OTHER
0.4%
1.2%
®
2. Visit the Plan website and enroll online; or
And, with option 2 or 3, if you’d like to simplify your
investment decision, consider a Vanguard® Target Retirement
Fund. Otherwise, you can choose from any of the investment
options available to you through the Plan. (With the EZ Enroll
option, your initial investment choice is automatically set to a
Vanguard® Target Retirement Fund based on your date
of birth.)
39.4%
61.9%
60.9%
16.4%
27.2%
25.3%
40.4%
9.0%
11.3%
2.5%
1.5%
1.1%
1.2%
0.4%
1.3%
VANGUARD® TARGET
2045 PORTFOLIO
VANGUARD®
RETIREMENT
INCOME
PORTFOLIO
RETIREMENT
INCOME
FUND
VANGUARD® TARGET
TARGET
RETIREMENT
2025 PORTFOLIO
1. Complete the EZ Enroll form;
3. Schedule an in-person appointment with a local representative.
U.S.
U.S. STOCKS
STOCKS (US
(US ST)
ST)
U.S. STOCKS (US ST)
NON-U.S.
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
NON-U.S. STOCKS (N-US)
BONDS
BONDS (BD)
(BD)
BONDS (BD)
CASH
CASH (C)
(C)
CASH (C)
OTHER
OTHER (O)
(O)
OTHER (O)
C O
CC O
O
BD
N-US
BD
N-US
US ST
US ST
US ST
N-US
VANGUARD® TARGET
C O
C O
BD
C
VANGUARD® TARGET
TARGET RETIREMENT
RETIREMENT 2045
2025 PORTFOLIO
PORTFOLIO
VANGUARD®
RETIREMENT
2025 FUND
VANGUARD® TARGET
RETIREMENT INCOME PORTFOLIO
ASSET CLASS
CLASS
ALLOCATION
ASSET
ALLOCATION
ASSET CLASS
ALLOCATION
U.S. STOCKS
STOCKS (US
(US ST)
ST)
50.4%
U.S.
62.1%
U.S. STOCKS (US ST)
20.4%
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
20.9%
SM
NON-U.S.
26.0%
NON-U.S. STOCKS (N-US)
8.5%
BONDS (BD)
(BD)
25.5%
BONDS
9.5%
BONDS (BD)
62.4%
CASH (C)
(C)
1.9%
CASH
1.0%
CASH (C)
7.7%
OTHER
(O)
1.3%
OTHER (O)
1.4%
OTHER (O)
0.9%
BD
US ST
Vanguard
Target Retirement Portfolios
US ST
N-US
US STN-US
N-US
BD
(August 27, 201
VANGUARD
TARGETRETIREMENT
VANGUARD® TARGET
TARGET
RETIREMENT 2035
2015 PORTFOLIO
PORTFOLIO
VANGUARD®
TARGET
2055
PORTFOLIO
VANGUARD®
RETIREMENT
®
RETIREMENT 2035 FUND
O
CC O
ASSET CLASS
CLASS
ASSET
CLASS
ASSET
BD
BD
US ST
BD
N-US
US ST
N-US
ALLOCATION
ALLOCATION
ALLOCATION
U.S. STOCKS
STOCKS (US
(US ST)
ST)
U.S.
STOCKS
(US
ST)
U.S.
39.4%
61.9%
60.9%
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
NON-U.S.
STOCKS
(N-US)
NON-U.S.
16.4%
27.2%
25.3%
BONDS (BD)
(BD)
BONDS
(BD)
BONDS
40.4%
9.0%
11.3%
CASH (C)
(C)
CASH
(C)
CASH
2.5%
1.5%
1.1%
OTHER (O)
(O)
OTHER
(O)
OTHER
1.2%
0.4%
1.3%
VANGUARD® TARGET
VANGUARD®
RETIREMENT
PORTFOLIO
VANGUARD®
TARGET
RETIREMENT
2025
PORTFOLIO
VANGUARD® TARGET
TARGET
RETIREMENT 2045
INCOME
PORTFOLIO
RETIREMENT
2045 FUND
O
CC O
O
ASSET
ASSET
CLASS
ASSET CLASS
CLASS
BD
C
U.S.
U.S.
STOCKS
(US
ST)
U.S. STOCKS
STOCKS (US
(US ST)
ST)
US ST
ALLOCATION
ALLOCATION
ALLOCATION
62.1%
50.4%
20.4%
26.0%
SM
20.9%
8.5%
Vanguard
Target Retirement Portfolios
(August 27, 201
N-US
N-US
BD
US ST
US ST
N-USBD
NON-U.S.
NON-U.S.
STOCKS
(N-US)
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
BONDS
BONDS
(BD)
BONDS (BD)
(BD)
9.5%
25.5%
62.4%
CASH
CASH
(C)
CASH (C)
(C)
1.0%
1.9%
7.7%
OTHER
OTHER
(O)
OTHER (O)
(O)
1.4%
1.3%
0.9%
VANGUARD® TARGET
VANGUARD®
RETIREMENT
VANGUARD®
TARGET
RETIREMENT 2035
2055 PORTFOLIO
PORTFOLIO
VANGUARD®
TARGET
RETIREMENT
2015
PORTFOLIO
RETIREMENTTARGET
2055 FUND
C O
CC OO
ASSET
ASSET CLASS
CLASS
ASSET
CLASS
BD
BD
N-US
BD
N-US
US ST
US ST
US ST
N-US
ALLOCATION
ALLOCATION
ALLOCATION
U.S.
U.S. STOCKS
STOCKS (US
(US ST)
ST)
U.S.
STOCKS
(US
ST)
60.9%
61.9%
39.4%
NON-U.S.
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
NON-U.S.
STOCKS
(N-US)
25.3%
27.2%
16.4%
BONDS
BONDS (BD)
(BD)
BONDS
(BD)
11.3%
9.0%
40.4%
CASH
CASH (C)
(C)
CASH
(C)
1.1%
1.5%
2.5%
OTHER
OTHER (O)
(O)
OTHER
(O)
1.3%
0.4%
1.2%
Questions?
VANGUARD®
VANGUARD® TARGET
TARGET RETIREMENT
RETIREMENT 2025
2045 PORTFOLIO
PORTFOLIO
VANGUARD® TARGET RETIREMENT INCOME PORTFOLIO
ASSET
ALLOCATION
ASSET CLASS
CLASS
ALLOCATION
ASSET CLASS
ALLOCATION
U.S.
50.4%
U.S. STOCKS
STOCKS (US
(US ST)
ST)
62.1%
U.S. STOCKS (US ST)
20.4%
NON-U.S.
20.9%
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
26.0%
NON-U.S. STOCKS (N-US)
8.5%
BONDS
25.5%
BONDS (BD)
(BD)
9.5%
BONDS (BD)
62.4%
CASH
1.9%
CASH (C)
(C)
1.0%
CASH (C)
7.7%
OTHER
1.3%
OTHER (O)
(O)
1.4%
OTHER (O)
0.9%
O
C
C OO
BD
Phone:
C (877) ING IS 4 U (464-4748)
US ST
BD
Go Online:
ingretirementplans.com/custom/sanjose
US ST
N-US
N-US
US ST
N-US
Stop BDIn: 4 North 2nd Street, Suite 440
San José, CA 95113
Office affiliation is ING Financial Partners (member SIPC)
VANGUARD®
VANGUARD® TARGET
TARGET RETIREMENT
RETIREMENT 2015
2035 PORTFOLIO
PORTFOLIO
CC OO
ASSET
ASSET CLASS
CLASS
ALLOCATION
ALLOCATION
Insurance products, annuities and funding agreements are issued by (third party administrative services may also be provided by) ING U.S.
Life
Insurance
and
Annuity Company,
39.4%
U.S. STOCKS
STOCKS (US
(US ST)
ST)
60.9%
BD
One Orange Way, Windsor, CT 06095. Securities distributed by ING Financial Advisers, LLC (member SIPC). These companies are wholly owned, indirect subsidiaries of ING
NON-U.S.
16.4%
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
25.3%
US ST
BD
Groep N.V. Securities may also be distributed through other broker-dealers with which ING Financial Advisers,
LLC
has
selling
agreements.
N-US
US ST
N-US
BONDS
BONDS (BD)
(BD)
40.4%
11.3%
CASH
CASH (C)
(C)
2.5%
1.1%
OTHER
OTHER (O)
(O)
1.2%
1.3%
VANGUARD® TARGET
TARGET RETIREMENT
RETIREMENT INCOME
2025 PORTFOLIO
VANGUARD®
PORTFOLIO
C OO
163405 3023153.G.P-1 © 2013 ING North America Insurance Corporation CN0828-12100-0915
ASSET CLASS
CLASS
ASSET
C
BD
US ST
ALLOCATION
ALLOCATION
U.S. STOCKS
STOCKS (US
(US ST)
ST)
U.S.
50.4%
20.4%
NON-U.S. STOCKS
STOCKS (N-US)
(N-US)
NON-U.S.
20.9%
8.5%