Page History
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| Normal Retirement Date | Principal Trust Target Date Funds |
|---|---|
| 2004 or earlier | Principal Trust(SM) Income Fund |
| Between 2005 and 2012 | Principal Trust(SM) Target 2010 Fund |
| Between 2003 and 2017 | Principal Trust(SM) Target 2015 Fund |
| Between 2008 and 2022 | Principal Trust(SM) Target 2020 Fund |
| Between 2023 and 2027 | Principal Trust(SM) Target 2025 Fund |
| Between 2028 and 2032 | Principal Trust(SM) Target 2030 Fund |
| Between 2033 and 2037 | Principal Trust(SM) Target 2035 Fund |
| Between 2038 and 2042 | Principal Trust(SM) Target 2040 Fund |
| Between 2043 and 2047 | Principal Trust(SM) Target 2045 Fund |
| Between 2048 and 2052 | Principal Trust(SM) Target 2050 Fund |
| Between 2053 and end of 2057 | Principal Trust(SM) Target 2055 Fund |
| 2058 or later | Principal Trust(SM) Target 2060 Fund |
Note: Neither the principal nor the underlying assets of the Principal Trust Target Date Funds are guaranteed at
any time, including the target date. Investment risk remains at all times.
Please see the description below and attached investment information or the Investment Option Summary
included in the enrollment workbook for important information about the Principal Trust Target Date Fund that
will apply as the default investment option. You will find information including, but not limited to, related objectives,
risk and return characteristics, fees and expenses and certain affiliations of Principal Trust Company and the
nondiscretionary investment adviser Principal Management Corporation.
Principal Trust Target Date Funds may invest in various types of investments including underlying Principal
Funds Inc., mutual funds and each is managed toward a particular target (retirement) date, or the approximate date
the participant or investor starts withdrawing money. As each Principal Trust Target Date Fund approaches its target
date, the investment mix becomes more conservative by increasing exposure to generally more conservative investment
options and reducing exposure to typically more aggressive investment options. The asset allocation for each Principal
Trust Target Date Fund is regularly re-adjusted within a time frame that extends 10-15 years beyond the target date, at
which point it reaches its most conservative allocation. Principal Trust Target Date Funds assume the value of the investor's
account will be withdrawn gradually during retirement.
Right to Direct
If you do not want retirement funds to be directed as indicated above, then you may elect to direct the retirement funds to
investment options under the retirement plan by visiting The Principal Web site at www.principal.com and logging into the
account or by calling 1-800-547-7754.
You may make changes to your investment direction as allowed under the retirement plan. This includes transferring any
contributions from the applicable investment option default to another investment option. Transfers out of the investment
option default are not subject to restrictions, fees or expenses1 for a 90-day period, unless the fees and expenses are charged
on an ongoing basis for the operation of the investment2. See the attached investment information for information regarding
restrictions, fees or expenses after the 90-day period.
Additional Information
For additional information about the investment option default or other investment alternatives under the plan please visit
www.principal.com or contact:
DAVID MELDRUM-GREEN
11002 LAKE HART DR STE 100
ORLANDO, FL 32832-0101
(407)671-9700 134
dave.meldrum-green@reliant.org
1Includes surrender charges, liquidation or exchange fees, redemption fees and similar expenses charged in connection with
the liquidation of, or transfer from, the investment option default.
2Includes investment management fees, distribution and/or service fees, "12b-1" fees, or legal, accounting, transfer agent and
similar administrative expenses.
