Investment Funds You Can Choose

Foreign Stock Funds

Fund offerings as of January 1, 2009

Core Foreign Stock Funds		For a $10,000 Investment
		Fees		Result in 10 Years
Info Pop Ups*	Fund	Annual	Long-Term	Average	Downside	Upside
	FRS Select Foreign Stock Index Fund** (F10)	$2	$60	$17,700	$7,200	$40,000
	American Funds EuroPacific Growth Fund** (F20)	$50	$1,623	$16,800	$7,500	$36,000
Global (Foreign and U.S.) Stock Fund
	American Funds New Perspective Fund** (F40)	$46	$1,483	$17,300	$7,600	$36,700

** These funds may impose restrictions on your ability to withdraw your money or transfer it to other funds in the Investment Plan. Please refer to the fund details available on MyFRS.com or call the MyFRS Financial Guidance Line.

How to read this table

*Info Pop Ups Legend
	Fund Thumbnail (short summaries of each fund)
	Fund Scorecard (overall score, rankings, investment style and risk, historical performance, other statistics)
	Fund Profile (fees and expenses, investment strategies and risks, asset allocation, average annual returns, fund advisors, etc.)
	Fund Details (restrictions on transfers, philosophy, research process, security selection, portfolio construction, sell discipline, etc.)

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These funds invest primarily in equity shares or stocks issued by foreign companies. Compared to U.S. stocks, foreign stocks are affected by additional risk factors such as foreign laws and regulations, differences in accounting practices, political risk (foreign governments are sometimes unstable) and currency risk (differences in the relative value of domestic and foreign money). Over the long term, foreign stocks have not done quite as well as U.S. stocks, but they have provided some important diversification benefits.