Small-cap stocks represented by Russell 2000 index except where otherwise noted; large-cap stocks represented by Russell 1000 index, again except where noted. Foreign stocks represented by the MSCI Barra Europe, Australia, Far East Index, and U.S. bonds by the Lehman Bros. Government/Corporate Bond Index.Small-cap stocks tend to be more volatile than large-caps. Bonds offer a fixed rate of return while stocks will fluctuate. Indices are unmanaged and do not represent any specific investment. Foreign investing involves special risks, including political unrest, economic instability, and currency fluctuation. Past performance does not indicate future results.
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