Take a look at Horace Mann's Retirement Advantage mutual fund program
Horace Mann has partnered with a number of well-known investment firms to provide our clients a full range of mutual funds
that span a wide spectrum of investment styles. From large company growth to bond funds, we can help match your personal
investment comfort level with the appropriate funds. You can re-allocate your money, or use systematic rebalancing to maintain
your desired investment strategy. You can also allocate contributions to a group unallocated fixed annuity issued by Horace
Mann Life Insurance Company, with a guaranteed interest rate.
Keep a long-range outlook
This mutual fund program is designed to help meet retirement needs and should be seen as part of a long-term retirement plan.
However, we understand investors may want to monitor the performance results of the mutual funds available within the program.
Therefore, we provide these monthly performance updates.
Take a few minutes to review the results; we caution you to not make a purchase or allocation decision based solely on the
numbers in the following tables. You may be tempted to try to chase the funds providing the best current results.
However, for that to work, you have to be right twice. You have to know when to start investing in a fund and when to stop.
Those are tough calls, even for professional money managers. Stock market and individual fund performance
often comes in spurts easily missed while you're waiting for just the right time to make changes.
At Horace Mann, we recommend you keep a long-range focus, as retirement plans are long-term investments. It is important that
you keep your goals and risk tolerance in sync with your investment option choices.
Not all mutual funds shown may be available in all employer retirement plans in which Retirement Advantage is offered.
Mutual fund performance as of May 31, 2017
These tables reflect the three-month return and average annual rates of return for each fund.
The three-month return and average annual rates of return assume contributions were made as of the beginning of the period.
All returns in the tables below are based on a $10,000 investment. The returns assume reinvestment of all dividends
(ordinary income and capital gains) and are net of fees and other fund operating expenses. The returns do not include any
plan level administrative fees, if applicable; if included the returns would be less favorable. The returns measure past
performance and do not guarantee future results. The actual experience may also vary based on the amount of the contribution
and the date the contribution was made. The investment return and value of a mutual fund will fluctuate, and the value of the
mutual fund may be worth more or less than the original investment when redeemed. Current performance may be higher or
lower than the performance data quoted. Monthly performance updates which may be higher or lower than the performance
data quoted are available by visiting horacemann.com/RetirementAdvantage.
You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The
prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may
call 877-602-1870 . Please read the prospectus carefully before investing.
©2016 Morningstar.
All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its
horacemann.c
content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither
Morningstar not its content providers are responsible for any damages or losses arising from any use of this information. Past
performance is no guarantee of future results.
MF-Perf0001
Ticker symbol
Inception
Date
3
months
1
year
3
years
5
years
10
years
Since
inception
Lifecycle
Vanguard Target Retirement 2010 Inv
Vanguard Target Retirement 2015 Inv
Vanguard Target Retirement 2020 Inv
Vanguard Target Retirement 2025 Inv
Vanguard Target Retirement 2030 Inv
Vanguard Target Retirement 2035 Inv
Vanguard Target Retirement 2040 Inv
Vanguard Target Retirement 2045 Inv
Vanguard Target Retirement 2050 Inv
Vanguard Target Retirement 2055 Inv
Vanguard Target Retirement 2060 Inv
Vanguard Target Retirement Income Inv
VTENX
VTXVX
VTWNX
VTTVX
VTHRX
VTTHX
VFORX
VTIVX
VFIFX
VFFVX
VTTSX
VTINX
2006-06-07
2003-10-27
2006-06-07
2003-10-27
2006-06-07
2003-10-27
2006-06-07
2003-10-27
2006-06-07
2010-08-18
2012-01-19
2003-10-27
2.01%
2.55%
3.08%
3.36%
3.61%
3.88%
4.13%
4.18%
4.23%
4.22%
4.19%
2.02%
6.42%
8.73%
10.60%
12.00%
13.23%
14.47%
15.79%
16.17%
16.22%
16.22%
16.20%
6.29%
3.80%
4.56%
5.24%
5.59%
5.87%
6.13%
6.36%
6.48%
6.48%
6.42%
6.42%
3.73%
6.21%
7.75%
8.95%
9.77%
10.57%
11.34%
11.84%
11.92%
11.93%
11.89%
11.89%
5.15%
4.45%
4.74%
4.93%
4.94%
4.93%
5.07%
5.31%
5.33%
5.34%
--%
--%
4.91%
5.50%
6.20%
6.24%
6.75%
6.50%
7.34%
6.83%
7.76%
6.91%
10.99%
10.74%
5.31%
Asset Allocation
Vanguard LifeStrategy Income Inv
Vanguard LifeStrategy Cnsrv Gr Inv
Vanguard LifeStrategy Moderate Gr Inv
Vanguard LifeStrategy Growth Inv
VASIX
VSCGX
VSMGX
VASGX
1994-09-30
1994-09-30
1994-09-30
1994-09-30
1.94%
2.58%
3.20%
3.87%
4.66%
7.93%
11.16%
14.48%
3.71%
4.61%
5.44%
6.19%
4.49%
6.67%
8.81%
10.92%
4.12%
4.40%
4.72%
4.68%
6.33%
6.96%
7.66%
8.05%
Large value
Diamond Hill Large Cap Y
JPMorgan Equity Income R6
LSV Value Equity
MFS Value R6
JHancock Disciplined Value R6
DHLYX
OIEJX
LSVEX
MEIKX
JDVWX
2011-12-30
2012-01-31
1999-03-31
2006-05-01
2011-08-31
0.73%
0.19%
-2.78%
1.36%
-0.30%
18.76%
14.59%
16.67%
14.36%
16.06%
9.44%
8.74%
7.40%
9.15%
6.70%
15.68%
14.26%
16.99%
15.37%
14.34%
7.10%
7.18%
5.12%
6.59%
6.56%
14.65%
13.44%
8.21%
7.91%
14.14%
Large core
JPMorgan US Equity R6
MFS Blended Research Core Equity R6
American Funds Investment Company of America R6
Vanguard 500 Index Admiral
Nuveen Santa Barbara Dividend Growth R6
JUEMX
MUEVX
RICGX
VFIAX
NSBFX
2010-11-30
2012-06-01
2009-05-01
2000-11-13
2013-03-25
2.80%
1.46%
2.52%
2.55%
2.10%
18.42%
15.09%
16.81%
17.43%
12.43%
10.24%
8.44%
8.94%
10.10%
8.00%
16.15%
14.73%
15.26%
15.38%
12.77%
8.12%
6.81%
6.58%
6.93%
7.25%
14.09%
15.40%
14.41%
5.61%
10.77%
Large growth
American Century Growth R6
JPMorgan Large Cap Growth R6
MFS Growth R6
Neuberger Berman Socially Rspns R6
T. Rowe Price Growth Stock I
AGRDX
JLGMX
MFEKX
NRSRX
PRUFX
2013-07-26
2010-11-30
2011-08-26
2013-03-15
2015-08-28
7.55%
11.82%
8.88%
3.16%
9.45%
21.51%
25.72%
19.61%
18.00%
25.82%
11.04%
12.47%
11.63%
9.45%
13.34%
14.43%
14.67%
16.28%
15.34%
16.92%
8.43%
9.57%
9.01%
6.75%
8.86%
13.21%
13.87%
16.25%
12.19%
13.68%
Mid value
MFS Mid Cap Value R6
Victory Sycamore Established Value R6
Wells Fargo Special Mid Cap Value R6
MVCKX
VEVRX
WFPRX
2013-02-01
2014-03-04
2013-06-28
-0.57%
-0.60%
-0.40%
12.52%
15.27%
16.37%
7.29%
11.03%
9.12%
15.06%
15.80%
17.31%
6.68%
8.93%
8.54%
12.34%
10.98%
13.13%
Mid core
Dreyfus Opportunistic Midcap Value Y
Aberdeen US Mid Cap Equity Institutional
Vanguard Extended Market Idx Adm
Vanguard Mid Cap Index Adm
DMCYX
GUEIX
VEXAX
VIMAX
2013-07-01
2016-02-29
2000-11-13
2001-11-12
-4.42%
2.65%
0.27%
2.12%
13.13%
15.25%
18.72%
16.40%
4.74%
--%
7.65%
8.91%
13.84%
--%
14.53%
15.19%
7.62%
--%
7.27%
7.20%
9.05%
20.88%
7.80%
9.98%
Mid growth
AMG TimesSquare Mid Cap Growth I
Baird MidCap Inst
Ivy Mid Cap Growth R6
JPMorgan Mid Cap Growth R6
TMDIX
BMDIX
IGRFX
JMGMX
2005-03-04
2000-12-29
2014-07-31
2011-11-01
3.63%
6.91%
4.33%
5.35%
13.98%
15.88%
14.53%
15.83%
7.26%
6.99%
6.28%
8.06%
13.97%
11.69%
11.53%
15.21%
7.89%
8.22%
7.74%
7.96%
9.62%
6.96%
6.63%
14.82%
page 2
Ticker symbol
Inception
Date
3
months
1
year
3
years
5
years
10
years
Since
inception
Small value
Boston Partners Small Cap Value II I
DFA US Targeted Value I
JPMorgan Small Cap Value R6
Nuveen NWQ Small-Cap Value R6
BPSIX
DFFVX
JSVUX
NSCFX
1998-07-01
2000-02-23
2005-02-22
2013-02-15
-2.76%
-4.74%
-4.57%
-1.00%
18.58%
16.00%
15.89%
18.27%
6.86%
5.42%
6.48%
8.50%
14.17%
14.69%
13.54%
15.65%
6.87%
6.05%
5.99%
5.87%
11.21%
11.44%
7.94%
12.59%
Small core
DFA US Small Cap I
T. Rowe Price Small-Cap Value I
Vanguard Small Cap Index Adm
DFSTX
PRVIX
VSMAX
1992-03-19
2015-08-28
2000-11-13
-1.83%
-0.07%
-0.52%
17.86%
22.72%
16.84%
7.99%
8.13%
7.73%
14.97%
13.47%
14.63%
7.55%
7.19%
7.42%
10.55%
16.67%
8.99%
Small growth
Vanguard Explorer Adm
AB Small Cap Growth Z
Prudential Jennison Small Company Q
VEXRX
QUAZX
PJSQX
2001-11-12
2015-06-30
2010-11-29
2.50%
6.04%
2.67%
19.71%
25.05%
18.68%
7.48%
7.96%
8.74%
14.06%
13.02%
13.89%
6.82%
8.41%
6.76%
8.67%
4.64%
11.54%
World stock
MFS Global Equity R6
Oakmark Global Investor
Oppenheimer Global I
MWEMX
OAKGX
OGLIX
2012-06-01
1999-08-04
2012-01-27
8.13%
4.61%
9.50%
18.05%
23.35%
24.50%
6.77%
3.76%
7.25%
13.88%
13.17%
14.45%
6.01%
4.61%
5.17%
14.52%
10.35%
12.36%
Foreign large value
American Beacon Intl Equity Instl
DFA International Value I
Hartford Schroders International Multi-Cap Val R6
JPMorgan International Value R6
AAIEX
DFIVX
SIDRX
JNVMX
1991-08-07
1994-02-15
2014-12-30
2010-11-30
9.89%
5.50%
6.22%
6.99%
14.37%
20.03%
18.69%
17.10%
0.37%
-0.21%
2.31%
-0.52%
10.19%
9.52%
10.15%
7.99%
1.35%
-0.15%
2.72%
-0.10%
7.35%
6.29%
6.50%
4.76%
Foreign large core
JPMorgan International Opps R6
MFS Research International R6
Neuberger Berman International Eq R6
Vanguard Developed Markets Idx Admiral
Vanguard Total Intl Stock Index Admiral
JIOMX
MRSKX
NRIQX
VTMGX
VTIAX
2010-11-30
2006-05-01
2013-09-03
1999-08-17
2010-11-29
8.85%
11.91%
10.51%
8.96%
8.24%
15.15%
17.12%
13.00%
16.94%
18.29%
1.82%
1.19%
3.93%
2.01%
1.75%
9.29%
8.72%
9.90%
10.50%
8.83%
1.16%
1.38%
1.68%
1.30%
1.18%
5.99%
2.88%
6.49%
4.11%
4.91%
Foreign large growth
MFS International Growth R6
Invesco International Growth R6
Oppenheimer International Growth I
American Funds Europacific Growth R5
MGRDX
IGFRX
OIGIX
RERFX
2006-05-01
2012-09-24
2012-03-29
2002-05-15
13.81%
8.67%
13.15%
10.39%
19.08%
11.17%
13.89%
18.55%
4.39%
2.15%
2.62%
3.66%
9.35%
8.99%
11.05%
10.42%
3.61%
2.69%
3.78%
3.51%
5.03%
6.75%
8.41%
7.84%
Foreign small/mid core
DFA International Small Company I
Oakmark International Small Cap Investor
DFISX
OAKEX
1996-09-30
1995-11-01
8.86%
11.47%
18.01%
22.38%
4.85%
3.57%
12.90%
11.63%
3.57%
3.23%
7.29%
9.84%
Foreign small/mid growth
Oberweis International Opps Instl
Wasatch International Growth Instl
OBIIX
WIIGX
2014-03-10
2016-02-01
14.13%
12.70%
14.48%
10.41%
7.40%
5.11%
--%
11.95%
--%
5.00%
5.62%
12.02%
Diversified emerging markets
DFA Emerging Markets I
Neuberger Berman Emerg Mkts Eq R6
Vanguard Emerging Mkts Stock Idx Adm
DFEMX
NREMX
VEMAX
1994-04-25
2013-03-15
2006-06-23
8.32%
8.76%
5.02%
27.74%
26.14%
23.98%
1.99%
2.56%
1.40%
4.99%
5.77%
4.18%
2.50%
--%
1.95%
6.99%
2.65%
5.41%
Real estate
Invesco Real Estate R6
Morgan Stanley Inst US Real Estate IS
Virtus Duff & Phelps Real Estate Securities Fund R6
Vanguard REIT Index Adm
IARFX
MURSX
VRREX
VGSLX
2012-09-24
2013-09-13
2014-11-12
2001-11-12
-1.17%
-5.85%
-3.19%
-2.85%
4.52%
-0.61%
1.88%
2.66%
7.71%
5.86%
7.29%
7.72%
9.74%
8.62%
9.18%
10.02%
3.93%
3.58%
4.49%
4.94%
8.83%
9.21%
5.68%
10.83%
page 3
Ticker symbol
Inception
Date
3
months
1
year
3
years
5
years
10
years
Since
inception
Global real estate
DFA Global Real Estate Securities Port
Invesco Global Real Estate R6
Prudential Global Real Estate Q
DFGEX
FGREX
PGRQX
2008-06-04
2012-09-24
2013-08-23
-0.28%
1.13%
1.31%
2.36%
4.35%
2.48%
5.74%
3.56%
3.11%
9.47%
8.51%
8.22%
--%
1.32%
1.88%
5.36%
6.33%
6.06%
Intermediate-term bond
BlackRock Total Return K
Guggenheim Total Return Bond Instl
JPMorgan Core Plus Bond R6
Prudential Total Return Bond Q
Vanguard Total Bond Market Index Adm
MPHQX
GIBIX
JCPUX
PTRQX
VBTLX
2001-12-07
2011-11-30
2005-02-22
2010-12-27
2001-11-12
1.70%
2.09%
1.50%
2.16%
1.39%
3.02%
6.45%
3.16%
4.43%
1.47%
3.13%
4.62%
3.03%
3.64%
2.47%
4.12%
5.86%
3.54%
4.22%
2.14%
4.71%
--%
5.48%
6.09%
4.41%
4.78%
6.34%
5.18%
5.17%
4.29%
Inflation-protected bond
BlackRock Inflation Protected Bond K
Vanguard Inflation-Protected Secs Adm
Vanguard Shrt-Term Infl-Prot Sec Idx Adm
DFA Inflation-Protected Securities I
BPLBX
VAIPX
VTAPX
DIPSX
2004-06-28
2005-06-10
2012-10-16
2006-09-18
0.65%
0.41%
0.08%
0.72%
2.73%
2.39%
1.66%
2.54%
0.47%
1.05%
0.18%
1.13%
0.22%
0.28%
--%
0.33%
4.42%
4.21%
--%
4.59%
4.55%
3.79%
0.19%
4.41%
High yield bond
BlackRock High Yield Bond K
Columbia Income Opportunities Y
Vanguard High-Yield Corporate Adm
Lord Abbett High Yield R6
BRHYX
CIOYX
VWEAX
LHYVX
1998-11-19
2011-03-07
2001-11-12
2015-06-30
1.89%
1.75%
2.07%
1.66%
12.95%
9.78%
10.91%
14.42%
4.24%
4.54%
4.83%
5.68%
7.53%
6.66%
6.65%
8.42%
7.18%
6.84%
6.47%
7.65%
7.67%
6.48%
6.93%
7.52%
World Bond
AB Global Bond Z
Legg Mason BW Global Opportunities Bd IS
Loomis Sayles Global Bond N
Vanguard Total Intl Bd Idx Admiral™
Prudential Global Total Return Q
ANAZX
GOBSX
LSGNX
VTABX
PGTQX
2013-10-15
2006-11-01
2013-02-01
2013-05-31
2012-02-03
1.63%
4.29%
3.13%
0.95%
4.65%
4.08%
6.87%
2.87%
1.67%
4.46%
3.88%
0.78%
0.00%
3.90%
1.50%
3.64%
3.37%
1.39%
--%
4.04%
5.05%
5.72%
3.97%
--%
5.97%
4.67%
5.58%
0.49%
3.82%
3.42%
page 4
Retirement Advantage information
Horace Mann Investors, Inc. offers Retirement Advantage as investment options in 403(b), 457(b) and 401(a) plans through
accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a Delaware
Limited Liability Company. Horace Mann Investors, Inc., member FINRA , is located at 1 Horace Mann Plaza, Springfield, IL
62715. This information must be preceded or accompanied by the current prospectuses. You can receive prospectuses
by calling 844-895-0980 or by visiting horacemann.com/RetirementAdvantage . You should read
the prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or
send money. As with all securities, mutual funds include risk of loss including loss of principal.
Withdrawals from a 403(b), 457(b) and 401(a) account are restricted by the tax laws and may be further restricted by your
employer’s plan. Generally, you may make a withdrawal from a 403(b) account only upon reaching age 59½, severance from
employment, disability, or certain hardships (if allowed by the plan); a 457(b) account only upon reaching age 70½, severance
from employment, disability, or an unforeseeable emergency (if allowed by the plan); and a 401(a) account only upon reaching a
specified age, severance from employment, or disability. If you take money out before age 59½, you could be subject to a federal
penalty tax of 10% (except for 457(b) accounts) in addition to income taxes. The tax rules related to retirement plans are complex
and you should consult with a tax advisor.
The guarantees in the group unallocated fixed annuity are provided by Horace Mann Life Insurance Company and are based on the
financial stability and claims paying ability of the company.
The earnings potential of each mutual fund reflects the degree of risk associated with it. The higher the potential return, the higher
the degree of risk, including the possibility of loss of principal.
Target maturity or “Lifecycle” funds are managed for investors planning to retire (or to begin withdrawing substantial portions
of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an
investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of the
Lifecycle fund is not guaranteed at any time.
The information provided here is for general informational purposes only and should not be considered an individualized
recommendation or personalized investment advice. Each investor needs to review an investment strategy for his or her own
particular situation before making any investment decision.
Due to market volatility, short-term returns may not be indicative of longer-term results. While all investing involves some risk
there are greater risks associated with investing in small size companies, mid-size companies, international securities, and
high-yield bonds. These risks are presented in detail in the prospectuses.
The trademarks used herein are owned by, and used with the permission of, the respective companies.
Not all mutual funds shown may be available in all employer retirement plans in which Retirement Advantage is offered.
page 5