Individual investors

Russell LifePoints® Funds Investing made simple LifePoints Funds are designed to simplify the investment decision process so you can focus on the important things in life. By combining different Russell funds into diverse portfolios, LifePoints Funds offer an efficient approach to investing. The benefits of choosing Russell LifePoints Funds   Convenience — you get a well-diversified investment program in a single fund, using multiple money managers across four asset classes Expertise — you access some of the world's best money managers, monitored continuously and replaced when necessary Flexibility — you may select the fund that best fits your needs Pick the retirement strategy that is right for you With LifePoints Funds there is no need for do-it-yourself diversification. Each LifePoints Fund is constructed as a fund of funds, expertly diversified by Russell's multi-manager specialists. With one simple investment, your money gains access to the combined performance of up to eight different underlying Russell mutual funds depending on the fund chosen. Target Portfolio Series These funds have target allocations, each with their own level of risk and return potential. They help meet the needs of individual investors at every "life point," addressing a variety of time horizons, risk comfort zones and life situations. Select a Target Portfolio fund Conservative Strategy Moderate Strategy Balanced Strategy Growth Strategy Equity Growth Strategy Target Distribution Strategies These funds extend Russell's expertise and capabilities to retirees who plan to begin using the money they've saved during their working years. The funds are strategically managed to deliver steady and predictable (but not guaranteed) annual distributions over a specific time period while seeking to preserve a portion of the capital initially invested. They are designed to complement other asset allocated strategies to create an overall portfolio designed to meet retirees' current needs for cash flow while investing other assets for future goals. Select a Target Distribution fund 2017 Retirement Distribution - S 2017 Retirement Distribution - A 2017 Accelerated Distribution - S 2017 Accelerated Distribution - A 2027 Extended Distribution - S 2027 Extended Distribution - A Target Date Series Available to plan participants only through employee benefit and employer sponsored plans. LifePoints Funds, Target Date Series, are intended for plan participants who want professional management and diversification in one portfolio designed to automatically adjust their asset-allocation based on their targeted retirement date. The series includes ten portfolios—nine target date strategy funds and the In Retirement Fund. The nine target date strategy funds include the 2010, 2015, 2020, 2025, 2030, 2035, 2040, 2045 & 2050 Strategy Funds. Contact a financial professional and ask for Russell by name Russell LifePoints Funds are an exclusive offering only available through financial professionals. Submit this request form to find financial professionals in your area who are familiar with Russell. NOTE: Fund objectives, risks, charges and expenses should be carefully considered before investing. For a prospectus containing this and other important information call Russell at 1-866-676-7680 or go to the prospectus and reports page to download one. Please read the prospectus carefully before investing. The LifePoints® Funds are a series of fund of funds which expose an investor to the risks of the underlying funds proportionate to their allocation. Investment in LifePoints Funds involves direct expenses of each fund and indirect expenses of the underlying funds, which together can be higher than those incurred when investing directly in an underlying fund. The LifePoints® Funds Target Distribution Strategies are new funds without operating history, which may result in additional risk. Each fund seeks to provide a steady, but not guaranteed, level of distributions to its shareholders for the term of the fund. This is contingent on the fund having sufficient assets to make such distributions. If a fund does not have sufficient assets to meet its investment objective(s), it will distribute the remaining assets and the fund will close prior to the end of its term. If this happens, your clients will stop receiving the target annual distributions and the fund may distribute its remaining assets at an inopportune time. Each of the LifePoints® Funds, Target Portfolio and Target Date Series Funds invests its assets in shares of a number of underlying Russell funds and may in the future invest in other funds which are not currently underlying funds. The allocation of each strategy fund's assets to the underlying funds of the Target Date Series is based solely on time horizon and will become more conservative over time until aaproximately the year indicated in the fund name, at which time the allocation will remain fixed. The asset allocation of the In Retirement Fund is fixed. From time to time, the fund adviser expects to modify the target asset allocation for any fund and/or the underlying funds in which a fund invests. Copyright © Russell Investments 2008. All Rights Reserved. Russell Investment Group is a Washington, USA corporation, which operates through subsidiaries worldwide, including Russell Investments, and is a subsidiary of The Northwestern Mutual Life Insurance Company. The Russell logo and LifePoints are trademarks and service marks of Russell Investments. Diversification and strategic asset allocation do not assure profit or protect against loss in declining markets. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. Rebalancing your portfolio may create tax consequences on the taxable portion. Securities products and services offered through Russell Financial Services, Inc., member FINRA, part of Russell Investments. For information on the Financial Industry Regulatory Authority, go to www.finra.org. RFS-1585 First used: April 2008. Revised: February 2009.			Balancing your future See the difference a balanced investment approach can make by comparing single vs. multi-asset portfolio performance (PDF).   Value of diversification This chart (PDF) makes the need to own a variety of assets and styles clear. This sample portfolio (PDF) shows how you can access some of the world's best investment managers. LifePoints Target Portfolio quarterly commentary Printer friendly version of this page Send feedback or comments

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