| Table 3. Recommendations for Fixed-Income Portfolios (Percentages of Total Portfolio) | ||||||||||||
| AllianceBernstein Retirement Funds | ||||||||||||
| Retirement Date | ||||||||||||
| 15 Yrs After | 10 Yrs After | 5 Yrs After | 2005 | 2010 | 2015 | 2020 | 2025 | 2030 | 2035 | 2040 | 2045 | |
| High-Yield Bonds (%) | 0 | 2.5 | 5 | 7 | 7 | 7 | 7 | 5 | 0 | 0 | 0 | 0 |
| High-Grade Bonds (%) | 22.5 | 19.5 | 16 | 14 | 12 | 10 | 7 | 2 | 0 | 0 | 0 | 0 |
| Inflation-Protected Sec. (%) | 15 | 15 | 15 | 14 | 9 | 4 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Bonds (%) | 2750% | 1800% | 900% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Cash (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fidelity Freedom Funds* | ||||||||||||
| Retirement Date | ||||||||||||
| Income | 2000 | 2005 | 2010 | 2015 | 2020 | 2025 | 2030 | 2035 | 2040 | 2045 | 2050 | |
| High-Yield Bonds (%) | 5 | 3 | 5 | 5 | 6 | 7 | 8 | 8 | 8 | 10 | 10 | 10 |
| High-Grade Bonds (%) | 35 | 32 | 35 | 35 | 31 | 23 | 20 | 10 | 9 | 5 | 2 | 0 |
| Short-Term Bonds (%) | 20 | 19 | 5.5 | 5 | 2.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash (%) | 20 | 18 | 5.5 | 5 | 2.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| T. Rowe Price Retirement Funds | ||||||||||||
| Retirement Date | ||||||||||||
| Income | 2005 | 2010 | 2015 | 2020 | 2025 | 2030 | 2035 | 2040 | 2045 | |||
| High-Yield Bonds (%) | 6.5 | 7 | 7 | 7 | 7 | 6 | 3 | 3 | 3 | 3 | ||
| High-Grade Bonds (%) | 20 | 24.5 | 18 | 16 | 12.5 | 8.5 | 3.5 | 3.5 | 3.5 | 3.5 | ||
| Short-Term Bonds (%) | 4.5 | 1.5 | 1 | 0.5 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Cash (%) | 25.5 | 8.5 | 7 | 3.5 | 1.5 | 0 | 0 | 0 | 0 | 0 | ||
| Vanguard Target Retirement Funds** | ||||||||||||
| Retirement Date | ||||||||||||
| Income | 2005 | 2010 | 2015 | 2020 | 2025 | 2030 | 2035 | 2040 | 2045 | 2050 | ||
| High-Yield Bonds (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| High-Grade Bonds (%) | 51 | 39 | 31 | 26.3 | 20 | 13.5 | 8 | 8 | 8 | 8 | 8 | |
| Short-Term Bonds (%) | 14 | 11 | 9 | 7 | 5 | 4 | 2 | 2 | 2 | 2 | 2 | |
| Cash (%) | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| "High-Grade Bonds" denotes investment grade or better bonds of intermediate-term or longer maturities. "Short-Term Bonds" denotes investment grade or better bonds of short-term maturities or short durations.
*The asset allocations are as of September 30, 2006, except for the Income Fund. We show the new target allocation for the latter, which the actual allocation was approaching. Numbers may not add up to 100 due to rounding. |
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