"Protection of my investments is my first priority. I am willing to accept modest fluctuations in the value of my investments, but I want low investment risk."

This fund invests in a portfolio primarily made up of fixed income securities in order to provide investors income with some capital appreciation while reducing volatility.

The Compass Conservative Portfolio suits me because:

• I want to maximize my return potential for the level of investment risk that I am willing to take.
• I have a short-term investment horizon.
• I want professional portfolio managers to evaluate and adjust my investment portfolio to maintain my objectives.

The Compass Conservative Portfolio diversifies my investment by:

• Asset Class

  An optimal mix of government, corporate, and high yield bonds, money market instruments and real estate investment trusts with minimal equity exposure

• Investment Style

  Using a complementary blend of active and passive investment management styles

• Manager

  With multiple best-in-class investment managers to contribute expertise and reduce risk

Underlying investments

Underlying investments are objectively selected from leading investment managers, based on:

Your portfolio is regularly monitored and rebalanced to target weightings to stay focused on your objectives.

Performance projection²

Variability of return decreases as your investment holding period increases.

• Potential performance range over 1-year periods is from as high as 15% to as low as -5%.
• Potential performance range over 20-year periods is from as high as 7% to as low as 3%.
• Long-term target performance is 5.1%.