Investing Spotlight

New Funds Can Help You Diversify

ICMA-RC’s investment professionals conduct a rigorous review process when selecting mutual funds to offer in our standard fund lineup. In addition to our Vantagepoint funds, you may be able to invest your retirement-plan money in several funds from other fund families. The funds are chosen for their long-term performance in relation to their peers, the risk taken in exchange for producing those returns, management stability, and fee levels. We recently added four funds to our standard lineup menu to help you diversify your portfolio.*

VT BlackRock Large Cap Core Retirement Fund, a large-cap blend fund, invests primarily in large companies in the Russell 1000 Index and seeks to offer long-term capital growth.

VT Columbia Mid Cap Value Fund^{1, 2} seeks long-term capital appreciation and invests primarily in companies with market capitalizations in the range of the Russell Midcap Value Index.

VT Harbor Mid Cap Growth Fund¹ seeks long-term growth of capital and invests primarily in stock of small and mid-sized companies traded in the U.S. and believed to have prospects of strong earnings growth, attractive business fundamentals, and to be selling at reasonable valuations.

VT Royce Value Plus Fund^{1, 3} seeks long-term growth of capital and invests primarily in mid-, small-, and/or micro-cap companies that are believed to be trading significantly below their current value. The fund generally invests in companies believed to have excellent business strengths, high internal rates of return, and low leverage.

These funds may fill gaps in your portfolio and provide additional options as you monitor and adjust your asset allocation. See the Our Funds page at our Web site.

* Some or all of the funds may not be available to all plans. Please consult both the current applicable prospectus and Making Sound Investment Decisions: A Retirement Investing Guide carefully for a complete summary of all fees, expenses, charges, financial highlights, investment objectives, risks, and performance information. Investing in mutual funds and other investment vehicles involves risk, including possible loss of the amount invested. Investors should consider the fund’s investment objectives, risks, charges, and expenses before investing or sending money. The prospectus contains this and other information about the investment company. Please read the prospectus carefully before investing. VantageTrust funds are distributed by ICMA-RC Services, LLC, a wholly owned broker-dealer subsidiary of ICMA-RC and member of FINRA/SIPC. For a current prospectus, contact ICMA-RC Investor Services, LLC at 800-669-7400.

¹ Investments in equity securities are subject to all of the general risks of investing in the stock market, such as fluctuation in value. Funds that invest in small- and mid-sized company stocks typically involve greater risks, particularly in the short term, than those investing in more established companies.

² Fund-to-fund transfers involving the VantageTrust Columbia Mid Cap Value Fund will be limited to reduce excessive trading and its adverse effects on the underlying funds. If you transfer assets of the fund to another investment option, you must wait at least 341 days before transferring assets back into the same fund.

³ A 1 percent redemption fee applies to purchases held for less than 180 days in the Royce Value Plus Fund.

A redemption fee may be assessed when you sell shares in a mutual fund. Regardless, all funds are monitored for frequent trading. Please refer to the fund’s prospectus for guidance on redemption fee and frequent trading terms. Also, refer to ICMA-RC’s Frequent Trading Policy for more information.