Investment Options – Roger Menard Insurance

Multi Cap Equity 

Portfolio

Investment Objective 

Investment
Approach
 

Expense Ratio (As of

12/31/05)

MULTI CAP EQUITY

Fidelity VIP Contrafund® Portfolio (Service Class 2)

Seeks long-term capital appreciation.

Invests in securities of companies whose value the advisor believes is not fully recognized by the public. Invests in either “growth” or “value” stocks or both of domestic and foreign issuers. Uses a fundamental analysis of each issuer’s financial condition and industry position, as well as market and economic conditions to select investments.

 .91

Lord Abbett Series Fund America’s Value Portfolio2 (Class VC Shares)

Seeks current income and capital appreciation.

Normally invests in equity securities of companies with market capitalizations greater than $500 million at the time of purchase and fixed income securities of various types. This market capitalization threshold varies daily. The Portfolio generally uses a value approach to identify particular investments for the Portfolio.

1.15

T. Rowe Price Health Sciences Portfolio II6

Seeks long-term growth of capital.

Invests at least 80% of net assets in common stocks of companies engaged in the research, development, production, or distribution of products or services related to health care, medicine and the life sciences. Focuses primarily on U.S. stocks but may also invest up to 35% of assets in foreign securities. While the Portfolio may purchase small-company stocks, its primary focus will be large and mid-size companies.

1.20

Vanguard VIF Capital Growth Portfolio2,6,10

Seeks long-term capital appreciation.

Invests in stocks of companies considered to have above-average earnings growth potential that is not reflected in their current market price. The portfolio consists predominantly of mid- and large-capitalization stocks.

.42

Vanguard VIF REIT Index Portfolio3,6,7,10

Seeks a high level of income and moderate long-term appreciation.

Normally invests at least 98% of its assets in stocks issued by equity real estate investment trusts (REITs) in an attempt to parallel the performance of the Morgan Stanley Capital International® (MSCI®) US REIT Index. The portfolio invests in stocks that make up the index; the remaining assets are allocated to cash investments.

.31

Vanguard VIF Total Stock Market Index Portfolio2,3,10

Seeks to track the performance of the S&P Total Market Index.

Employs a passive management investment approach designed to track the performance of the Standard & Poor’s (S&P) Total Market Index by investing all, or substantially all of its assets in two Vanguard funds – VIF Equity Index Portfolio and Extended Market Index Fund. The S&P Total Market Index consists of substantially all of the U.S. common stocks regularly traded on the New York and American Stock Exchanges and the Nasdaq over-the-counter market. 

 .16

2 Certain portfolios invest (or may invest) in securities of companies with micro-, small-, or mid-capitalization. Any investment in micro-, small-, or mid-capitalization companies involve greater risk than that customarily associated with investments in larger, more established companies because of the greater business risks of small size, limited markets and financial resources, narrow product lines and frequent lack of management depth. As such, micro-, small-, or mid-cap companies may be more subject to erratic and abrupt market movements than securities of larger, more established companies.

3 Some portfolios are subject to tracking error risk such that the Advisor may not be able to cause the portfolio’s performance to match or exceed that of its benchmark, either on a daily or an aggregate basis. Tracking error may cause the portfolio’s performance to be less than you expect.

6 Certain portfolios are subject to the risks of concentrating a portfolio in a specific sector or segment of the market. Changes in the specific sector or segment will have a significant effect on the portfolio’s net asset value.

7 The fund invests substantial assets in real estate investment trusts (REITs) that present a risk not associated with investing in stocks.

10 Roger Menard Insurance deducts a fee for administrative expenses of operating the Vanguard Portfolios listed above.  This fee is equal, on an annual basis, to .20% of the average daily net asset value of the accumulation value that you may have invested in the Vanguard Portfolio(s).

Author: car health