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Field Definitions (Excel File)

Category (CATEGORY_Q): The fund's investment category. The following are the abbreviations and their corresponding investment category:

IDX- Index to help reveal how various market segments performed during different market segments.

DOMESTIC STOCK FUNDS:
Stk-LC - Large-Cap Stock: Invest in national or multinational firms with well-known products or services and that tend to pay the highest dividends. Funds tend to have the lowest volatility, highest dividend yield in this group.

Stk-MC - Mid-Cap Stock: Invest in smaller stocks than the largest domestic stocks, but established firms in established industries with regional, national and sometimes international markets for their products and services. Funds tend to have lower dividend yields than large-cap funds and to have somewhat higher volatility.

Stk-SC - Small-Cap Stock: Invest in emerging firms in sometimes emerging industries, also established small firms with local, regional and sometimes even national and international markets. Funds tend to be more volatile than large-cap and mid-cap funds, have very low dividend yields, and often do not move in tandem with large-cap and mid-cap funds.

NEUTRAL/INVERSE FUNDS:
Long-Short (LS): Hold sizable stakes in both long and short positions. Some funds are market neutral, dividing their exposure equally between long and short positions in an attempt to earn a modest return that is not tied to the market’s fortunes. Others shift exposure to long and short positions depending upon their macro outlook or the opportunities they uncover through bottom-up research.

Contra Stock Market (Contra): Invest in short stock positions and derivatives. Because these funds often have extensive holdings in shorts or puts, returns generally move in the opposite direction of the benchmark index.

SECTOR STOCK FUNDS:
Concentrate their stock holdings in just one industry or a few related industries. Funds have greater risk than diversified common stock funds. Sector stock categories include:
Sec-Com - Communications
SEC-C-Dis - Consumer Discretionary
SEC-C-Stp - Consumer Staples
Sec-E - Energy
Sec-F - Financial
Sec-H - Health
Sec-I - Industrials
Sec-NR - Natural Resources/Commodities
Sec-PM - Precious Metals
Sec-R - Real Estate
Sec-R-Glb - Real Estate Global
Sec-T - Technology
Sec-U - Utilities

INTERNATIONAL STOCK FUNDS:
Offer the opportunity for diversification when foreign markets move independently in relation to the U.S. stock market. Unique risks include exchange rate risk and political risk.
IntS-Glb - Global Stock: Invest in both foreign and U.S. securities
IntS-F - Foreign Stock: Invest primarily in common stocks of foreign firms
IntS-R/C - Regional/Country Stock: Invest in a single region or country
IntS-E - Emerging Stock: Invest in firms in emerging and developing areas of the world

BALANCED STOCK/BOND FUNDS:
Invest in common stocks as well as bonds and convertible securities. Category includes asset allocation funds. Generally less volatile than all stock funds and provide a high dividend yield.
Bal - Domestic: Invest in U.S. securities
Bal-Glb - Global: Allocate a part of their portfolio to foreign firms

TARGET DATE FUNDS:
Invest in a mix of domestic and foreign stocks and bonds that becomes more conservative and income-oriented as the target date draws near. Funds divided into target date ranges: Target Date: In Retirement (InRet); Target Date: 2010–2019 (TD2010); Target Date: 2020–2029 (TD2020); Target Date: 2030–2039 (TD2030); Target Date: 2040–2049 (TD2040); Target Date: 2050–2059 (TD2050); and Target Date: 2060+ (TD2060).

TAXABLE BOND FUNDS:
B-CHY - Corporate High-Yield Bond: Invest generally in corporate bonds rated below investment grade. Provide high income but also high risk.

B-CNVT - Convertible Bond: Invest primarily in preferred stocks and bonds that are convertible into common stocks. These securities exhibit characteristics of both stocks and bonds by offering yield and the possibility of capital appreciation.

B-MB - Mortgage-Backed Bond: Invest primarily in mortgage-backed bonds.

B-GvST - Government: Short-Term Bond: Invest in the bonds of the U.S. government and its agencies. Portfolio has a weighted average maturity of less than three years. Less risk than long-term bond funds, and usually offer lower yield.

B-GvIT - Government: Intermediate-Term Bond: Invest in the bonds of the U.S. government and its agencies. Portfolio has a weighted average maturity of three to 10 years.

B-GvLT - Government: Long-Term Bond: Invest in the bonds of the U.S. government and its agencies. Portfolio has a weighted average maturity over 10 years. Riskier than shorter-term funds, and usually offer higher yields.

B-IP - Inflation-Protected Bond: Invest primarily in debt securities that adjust their principal values in line with the rate of inflation. The U.S. Treasury is the largest issuer for these types of securities, although they can be issued by any organization.

B-GenST - General Bond: Short-Term: Invest in a mix of government and agency bonds, corporate bonds, and mortgage-backed bonds. Portfolio has a weighted-average maturity of less than three years. Less risk than long-term bond funds, and usually offer lower yield.

B-GenIT - General Bond: Intermediate-Term: Invest in a mix of government and agency bonds, corporate bonds, and mortgage-backed bonds. Portfolio has a weighted-average maturity of three to 10 years.

B-GenLT - General Bond: Long-Term: Invest in a mix of government and agency bonds, corporate bonds, and mortgage-backed bonds. Portfolio has a weighted-average maturity of over 10 years. Riskier than shorter-term funds, and usually offer higher yields.

MUNICIPAL BOND FUNDS:
Invest in bonds whose income is exempt from federal income tax. National muni bond categories are:
B-MNST - Short-Term National Muni Bond: Invest in muni bonds with average maturity of less than three years.

B-MNIT - Intermediate-Term National Muni Bond: Invest in muni bonds with average maturity of three to 10 years.

B-MNLT - Long-Term National Muni Bond: Invest in muni bonds with average maturity of over 10 years.

B-MHY - High-Yield National Muni Bond: Invest in muni bonds rated below investment grade.

STATE-SPECIFIC BOND FUNDS:
Invest in tax-exempt municipal bonds whose income is also exempt from the income tax of a specific state. State muni bond categories are:
B-MS-AZ - Arizona Muni Bond
B-MS-CA - California Muni Bond
B-MS-CO - Colorado Muni Bond
B-MS-CT - Connecticut Muni Bond
B-MS-FL - Florida Muni Bond
B-MS-GA - Georgia Muni Bond
B-MS-HI - Hawaii Muni Bond
B-MS-KY - Kentucky Muni Bond
B-MS-MA - Massachusetts Muni Bond
B-MS-MD - Maryland Muni Bond
B-MS-MI - Michigan Muni Bond
B-MS-MN - Minnesota Muni Bond
B-MS-NJ - New Jersey Muni Bond
B-MS-NY - New York Muni Bond
B-MS-NC - North Carolina Muni Bond
B-MS-OH - Ohio Muni Bond
B-MS-PA - Pennsylvania Muni Bond
B-MS-TN - Tennessee Muni Bond
B-MS-VA - Virginia Muni Bond
B-MS-WV - West Virginia Muni Bond
B-MS-WI - Wisconsin Muni Bond

INTERNATIONAL BOND FUNDS:
Invest in foreign corporate and government bonds. Often offer higher yields, but carry currency and default risk.

IntB-Gen - International Bond: General
IntB-E - International Bond: Emerging
IntB-C - International Bond: Currency

Mutual Fund (Fundname_Q) Name of fund or index followed by the ticker symbol
Top 25% within cat. for 1, 3 and 5 yrs (BoldName) "Yes" indicates that a fund returns were within the top 25% of all funds within the fund's investment category for the last year, three years, and five years.
Style Growth/Value (Growth, Value) For domestic stock funds investment style can be categorized by the size of firms the fund invests in as measured by market capitalization and the investment approach employed by the fund, either growth or value or both. The investment style attributed to the fund indicates that the historical performance of the fund most closely follows the style(s) checked (listed below). More than one size may be checked, indicating a mixture of size, and growth/value may be checked, indicating a blend of growth and value investment approaches. Style is only calculated for domestic stock funds.

Style Categories: Large Cap, Mid Cap, Small Cap, Growth, Value, Grth/Val ('Cap' denotes capitalization, which is market price per share times number of common stock shares outstanding).

Total Return (%) Ret -Last Qrtr. and Year-to-Date (Ret_Q1, Ret_Ytd) Total return, including both income and capital gains, is shown for the last three months (last quarter) and year-to-date.
Total Return (%) Cat. +/- - Last Qrtr. and Year-to-Date (DFC_Q1, DFC_Ytd) Difference in the fund total return for the period specified from the average return for the period for all funds in the same investment category.
Total Return (%) Top 25% - Last Qrtr. and Year-to-Date (Top_Q1, Top_Ytd) "Top" indicates return and difference from category are in the top 25% of all funds within the investment category.
Annual Total Return (%) Ret - Last 1 Year, Last 3 Years, Last 5 Years, and Last 10 Years (Ret_A1Y, Ret_A3Y, Ret_A5Y, Ret_A10Y) The compound average annual total return for the last year, last three years, last five years and last 10 years. Returns are calculated through the quarter-ending date and are truncated.
Annual Total Return (%) Cat. +/- - Last 1 Year, Last 3 Years, Last 5 Years, and Last 10 Years (DFC_A1Y, DFC _A3Y, DFC _A5Y, DFC _A10Y) Difference in the fund total return for the period specified from the average return for the period for all funds in the same investment category.
Annual Total Return (%) Top 25% - Last 1 Year, Last 3 Years, Last 5 Years, and Last 10 Years (Top_A1Y, Top _A3Y, Top _A5Y, Top _A10Y) "Top" indicates return and difference from category are in the top 25% of all funds within the investment category.
Annual Total Return (%) The calendar year-end return, including income and capital gains, for each of the last 10 years as well as the year-to-date total return for the current year-to-date.
Total Return (%) Bull Period (Bull_Ret) Total return, including income and capital gains, for the most recent bull market period, starting March 1, 2009, and continuing through June 30, 2014.
Total Return (%) Bear_Period (Bear_Ret) The total return, including income and capital gains, for a bear market period, starting November 1, 2007, and continuing through February 28, 2009.
Tax Eff. Rating (%) (Tax_Eff) The aftertax return, calculated using the maximum federal tax rate on income and capital gains, divided by the pretax rate of return. Expressed as a percentage, a tax-efficiency rate of 100% is the highest, most tax-efficient and indicates that the pretax and aftertax returns are the same. The lower the percentage, the less tax efficient the fund.
Standard Deviation (%) (Std_DEV) Annual standard deviation of return for the fund calculated over a three-year period. Expressed as a percentage, the greater the standard deviation, the greater the risk.
Cat. Risk Index (Cat_Risk_Index) The standard deviation of a fund's return divided by the standard deviation of return for the average fund in the fund's category. Standard deviation is a measure of return volatility computed using monthly returns for the last three years. The category risk index provides a relative measure of risk by measuring the variation in total return for a fund over the last three years to the typical variation in return for all funds in its category. For example, a risk index of 1.30 for a fund indicates that it is 30% more volatile than the typical fund in its category and should therefore have a higher return than average. A value of 1.00 is the average risk for the category. Values above 1.00 are riskier than average and values below 1.00 are of less risk than average for the category.
Lowest 25% Risk within Cat.(Cat_Low_Risk) "Low Cat Risk" indicates that the category risk index is in the lowest 25% for the category.
Total Risk Index (Tot_Risk_Index) The standard deviation of a fund's return divided by the standard deviation of return for the average fund. Standard deviation is a measure of return volatility computed using monthly returns for the last three years. A value of 1.00 is average risk. Values above 1.00 are riskier than average and values below 1.00 are of less risk than average.
Yield (%) (Yield) Income for the most recent 12 months divided by the quarter-end net asset value. The yield figure is useful for investors seeking income and also to compare the income emphasis of funds within and among investment categories. Funds with yields that are relatively high when compared to other funds in the same investment category are likely to be engaging in market timing by building a defensive cash position that in turn generates higher income. Funds not engaged in market timing with very different yields from the investment category average may not be following their investment objective statement or the objective statement may not be clear. Yield is only one component of total return; the other component is capital appreciation. Funds with higher yields tend to provide less capital appreciation and also lower risk.
Avg. Maturity (Years) (Avg_Maturity) For all bond funds, the average maturity of the bonds in the portfolio is reported as a measure of risk, rather than beta. The longer the average maturity of the bond fund, the greater will be the variation in the return on the bond fund when interest rates change. However, high-yield (junk) bond funds and international bond funds can be affected by factors other than interest rates.
Beta (BETA) A risk measure that relates the fund's volatility of returns to the market. The higher the beta of a fund, the higher the market risk is of the fund. The figure is based on monthly returns for 36 months. A beta of 1.00 indicates that the fund's returns will, on average, be as volatile as the market and move in the same direction; a beta higher than 1.00 indicates that if the market rises or falls, the fund will rise or fall respectively but to a greater degree; a beta of less than 1.00 indicates that if the market rises or falls, the fund will rise or fall to a lesser degree. The S&P 500 index always has a beta of 1.00 because it is the measure we selected to represent the overall stock market.
Total Assets ($ Mil) (Assets) The total assets of the fund in millions of dollars.
Portfolio Turnover (%) (TURNOVER) - The portfolio turnover measures the trading activity of the fund, which is computed by dividing the lesser of purchases or sales for the year by the monthly average value of the securities owned by the fund during the year. Securities with maturities of less than one year are excluded from the calculation. The result is expressed as a percentage, with 100% implying a complete portfolio turnover within one year.
Expense Ratio (%) (EXPENSE) Annual expense expressed as a percentage of net asset value. Expenses include the management fee, other fund expenses, and 12b-1 annual distribution charges if any. Returns are adjusted for the expenses included in this ratio. Fund expenses are important because they directly detract from fund performance. Total returns reported already take into consideration fund expenses, but the expense ratio allows you to judge the significance of those expenses. An expense ratio for a fund that is relatively high compared to the expense ratio average for the investment category is reason for concern. In the long run, high expense ratios are difficult for portfolio managers to overcome, particularly for funds with lower risk, less aggressive investment objectives.
Max. Load (%) (Load_Max) Maximum fees expressed as a percentage. The load might be a front-end sales charge, back-end sales charge, redemption fee or other charges. Returns are not adjusted for loads, redemption fees or charges.
Type of Load (Load_Type) Indicates if the load is a "front" end load (E) or "redemption" charge (R or D).
Load Waived (Load_Waived) Loads or fees waived for existing shareholders. New shareholders may have to purchase a separate class of shares that may have higher loads or charges.
12b-1 Fee (%) (FEE_12B-1) Annual 12b-1 distribution charge expressed as a percentage of net asset value. Returns are adjusted for 12b-1 charges and the expense ratio includes the 12b-1 charge.
SPECIAL FUND TYPES Closed (Closed) - Field indicates if the fund is closed to new investors.

Asset Alloc. (AA) - Field indicates that the fund's portfolio managers engage in asset allocation.

Socially Resp. (SOC) - Fund follows self-defined principles of socially responsible investing.

Index (IDX) - Field indicates that the fund follows the performance of a specific index.

Type of Index tracked (Index_Def) Indicates the index follow by the fund.
Portfolio Manager - Tenure (Manager) The name of the portfolio manager(s) and the year when the senior manger(s) began managing the fund. Funds managed by a committee are so noted. For some funds, a recent change in the portfolio manager(s) may indicate that the long-term annual performance figures and other performance classifications are less meaningful.
Phone (PHONE_Q) Fund contact number. Call this number to request a prospectus, an annual report, or to get a question answered.
Web Address (Web_Addr) The primary URL to obtain fund information over the Web.
Category (CATEGORY_S) The category assigned to the fund preceded by a two-digit numerical code helpful in sorting the funds by category.
Ticker (TICKER) The fund's ticker symbol.