Investment Funds You Can Choose

Inflation-Protected Security Funds

Fund offerings as of January 1, 2009

Core Inflation-Protected Securities Funds		For a $10,000 Investment
		Fees		Result in 10 Years
Info Pop Ups*	Fund	Annual	Long-Term	Average	Downside	Upside
	FRS Select U.S. Treasury Inflation-Protected Securities Index Fund (T10)	$2	$60	$12,600	$10,200	$14,100

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 in United States Treasury Inflation-Protected securities or "TIPS." TIPS provide two types of return. First, there's a fixed interest rate that's been around 2% to 3% since TIPS were first issued in 1997. Second, there's a return of principal (the starting amount of your investment) and interest (the additional earnings you get over time) that is "protected," or indexed to inflation. As inflation rises, so does the amount of principal and interest you receive. So, if the fixed rate is 3% and inflation is 3%, you receive an annualized rate of return of about 6%. The day-to-day value of inflation-protected securities varies with changes in inflation and interest rates, but these funds offer a promise of keeping up with inflation that is unique to this type of investment.