(PUB) Investing 2016

planning, that’s wishing. But saving a little bit more each year is within your control. So if you haven’t done so already, set your savings goal for 2016 today. Savings Limits Stalled According to many who viewed the Federal Reserve’s extended zero-inter- est rate policy and bond purchasing program (also known as quantitative easing) skeptically, all that buying was supposed to lead to inflation, if not hyper-inflation. It has not. So far, infla- tion remains tepid. In fact, inflation has remained so low that it hasn’t triggered any increase in retirement savings contribution limits this year. Just like last year, investors will be able to save up to $18,000 in 401(k), 403(b) and 457 plans in 2016. IRA and SIMPLE plan account holders can sock >

money away up front as you might miss the biweekly or monthly matches. Speak with your benefits manager to make sure you don’t miss out. Playing Catch-Up As if the opportunity to save your hard-earned dollars for retirement, tax- deferred, wasn’t good enough news, the fact that folks like me, age 50 and

away $5,500 and $12,500, respectively. As you know, I’m a big believer in retirement savings plans, contributing the maximum to my own 401(k) as well as my IRA (which I converted to a Roth in 2010) every year. In fact, when I can, I add my 401(k) money early in the year on the assumption that markets rise more often than they fall, hence my preference to buy early, and at what very well may

Tax-deferred accounts are unmatched when it comes to saving for retirement.

be the lowest prices of the year. That being said, you need to check on just how your company matches your contributions. If they do so by pay period rather than on an annual basis, then you won’t want to sock all your

older, can save additional dollars is an added bonus. For those of us past the half-century mark, we can once again contribute an extra $1,000 to our IRAs in 2016, for a total of $6,500, and the numbers are

December Special Distributions

Growth ETF Growth Index Health Care Health Care ETF Health Care Index

$0.413 $0.193 $11.551 $0.476 $0.238 $0.599 $0.234 $0.021 $0.545 $0.279 $0.096 $0.403 $0.206 $0.258

Mortgage-Backed Securities ETF

$0.240 $0.021 $0.011 $0.059 $0.039 $0.623 $0.116 $5.894 $1.032 $1.098 $0.356 $0.535 $0.443 $0.640 $0.477 $0.262 $0.584 $0.562 $1.092 $0.447 $0.573 $0.445 $1.034 $1.471 $1.248 $0.408 $0.390 $1.467 $0.053 $0.007 $0.063 $0.029 $0.024 $0.002 $0.016 $0.626 $0.462 $0.119 $0.287 $0.744 $0.170 $0.065 $1.130 $0.300

STAR Growth STAR Income

$0.947 $0.156 $0.656 $3.474 $0.676 $1.393 $0.996 $1.126 $0.778 $1.032 $0.786 $0.850 $0.585 $0.673 $0.609 $0.523 $0.287 $0.639 $0.325 $0.053 $0.007 $0.347 $0.110 $0.583 $0.268 $0.368 $0.144 $2.665 $1.011 $0.878 $0.441 $0.588 $0.218 $0.831 $1.676 $1.434 $2.256 $0.335 $0.128 $1.248 $0.467

500 Index

$1.042

NJ Long-Term Tax-Exempt NY Long-Term Tax-Exempt OH Long-Term Tax-Exempt PA Long-Term Tax-Exempt

Admiral Int-Term Gov't Index $0.009 Admiral Mortgage-Backed Sec. Index $0.096 Admiral Short-Term Corp. Index $0.017 Admiral Short-Term Gov't Index $0.008 Admiral T-M Balanced $0.157 Admiral T-M Capital Appreciation $0.496 Admiral T-M SmallCap $0.181 Alternative Strategies $0.095 Balanced Index $0.171 Capital Opportunity $2.725 Capital Value $1.190 Consumer Discretionary ETF $0.469 Consumer Discretionary Index $0.244 Consumer Staples ETF $0.898 Consumer Staples Index $0.442 Convertible Securities $0.270 Developed Markets ETF $0.221 Developed Markets Index $0.052 Diversified Equity $2.811 Dividend Appreciation ETF $0.475 Dividend Appreciation Index $0.182 Dividend Growth $0.709 Emerging Markets Select Stock $0.284 Emerging Markets Stock ETF $0.159 Emerging Markets Stock Index $0.094 Energy $1.078 Energy ETF $0.683 Energy Index $0.340 Equity Income $1.267 Europe ETF $0.202 European Index $0.100 Explorer $8.614 Explorer Value $1.797 Extended Duration Treasury ETF $2.273 Extended Market ETF $0.398 Extended Market Index $0.280 Financials ETF $0.367 Financials Index $0.184 Global Equity $0.405 Global ex-U.S. Real Estate ETF $0.803 Global ex-U.S. Real Estate Index $0.314 Global Minimum Volatility $0.364 Growth & Income $2.653

STAR Mod. Growth

Strategic Equity

Strategic SmallCap Equity Target Retirement 2010 Target Retirement 2015 Target Retirement 2020 Target Retirement 2025 Target Retirement 2030 Target Retirement 2035 Target Retirement 2040 Target Retirement 2045 Target Retirement 2050 Target Retirement 2055 Target Retirement 2060 Target Retirement Income Telecom Services ETF Telecomm. Svcs. Index Total Bond Market ETF Total Bond Market Index Total International Stock ETF Total International Stock Index

High Dividend Yield ETF High Dividend Yield Index

Pacific ETF Pacific Index PRIMECAP

High-Yield Corporate

Industrials ETF Industrials Index

PRIMECAP Core

REIT ETF

Inflation-Protected Securities Information Technology ETF Information Technology Index Intermediate-Term Bond ETF Intermediate-Term Bond Index $0.035 Intermediate-Term Government ETF $0.027 Intermediate-Term Investment-Grade $0.034 Intermediate-Term Treasury $0.081 International Explorer $0.924 International Growth $0.293 International Value $0.662 LargeCap ETF $0.507 LargeCap Index $0.197 Long-Term Bond ETF $0.138 Long-Term Bond Index $0.021 Long-Term Investment-Grade $0.108 Long-Term Tax-Exempt $0.016 Long-Term Treasury $0.220 MA Tax-Exempt $0.017 Managed Payout $0.750 Market Neutral $0.002 Materials ETF $0.600 Materials Index $0.305 MegaCap ETF $0.427 MegaCap Growth ETF $0.349 MegaCap Value ETF $0.431 MidCap ETF $0.609 MidCap Growth $1.840 MidCap Growth ETF $0.355 MidCap Growth Index $0.130 MidCap Index $0.157 MidCap Value ETF $0.538 MidCap Value Index $0.202 Morgan Growth $2.142

REIT Index

Russell 1000 ETF

Russell 1000 Growth ETF Russell 1000 Value ETF Russell 2000 Growth ETF Russell 2000 Value ETF Russell 2000 ETF

Russell 3000 ETF

S&P 500 ETF

S&P 500 Growth ETF S&P 500 Value ETF S&P MidCap 400 ETF

S&P MidCap 400 Growth ETF S&P MidCap 400 Value ETF

Total Stock Market ETF Total Stock Market Index Total World Stock ETF Total World Stock Index

S&P SmallCap 600 ETF

S&P SmallCap 600 Growth ETF S&P SmallCap 600 Value ETF Short-Term Bond ETF Short-Term Bond Index Short-Term Corporate ETF Short-Term Government ETF Short-Term Investment-Grade Short-Term Federal Selected Value

U.S. Growth U.S. Value Utilities ETF Utilities Index Value ETF Value Index

Wellesley Income

Short-Term Treasury

Wellington

SmallCap ETF

Windsor

SmallCap Growth ETF SmallCap Growth Index

Windsor II

World ex-U.S. ETF World ex-U.S. Index

SmallCap Index

SmallCap Value ETF SmallCap Value Index

World ex-U.S. SmallCap ETF World ex-U.S. SmallCap Index

Social Index

STAR

STAR Cons. Gro.

14 • Fund Family Shareholder Association

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