Russell investment products Achieve more. It's your future. You have assets earmarked for significant life events. Preserving and building these assets requires careful planning and thoughtful implementation. Russell's multi-manager investment program is designed for these core investments. It's serious money. It's time to take charge Taking charge begins when you and your financial advisor:   Assess your long-term goals and build a strategically diversified plan. Put your plan into action by choosing Russell's institutional-quality multi-manager mutual funds. Review your needs and situation periodically to ensure your chosen portfolio remains appropriate. Then you'll be confident that your investments can help put you on the road to financial security. A spectrum of choices Whether you are early in your investment lifecyle and seek optimal diversification in a single low-minimum mutual fund product like LifePoints® Funds or your desire is to secure a customized, tax-efficient solution via a separate account, Russell can meet your specialized needs. You are offered the same time-tested, risk-aware approach used by some of the world's wealthiest individuals and institutional clients. Learn more about the investment products we offer: Russell mutual funds LifePoints Funds Separate accounts Russell's investment programs emphasize:   Choice — Russell offers a variety of investment strategies implemented using Russell's multi-manager mutual funds and separate accounts. Flexibility — Special considerations, such as tax-management or more concentrated portfolios can be accommodated with the breadth of options available. Guidance — Your financial advisor will help you make appropriate selections and provide regular oversight to help you stay focused on your goals. After a review of your investing goals, time horizon, and risk tolerance, you and your financial advisor will confidently identify a plan best suited to your situation. Designed to work for you Your investment will be designed to provide consistent, long-term performance via diversification across asset classes, investment styles and money managers. Russell provides access to some of the industry's top money management firms, selected based on Russell's three decades of manager research. Russell monitors the products, making changes when necessary, so you don't have to add this important, time-consuming responsibility to your schedule. Learn why you should consider choosing Russell Contact a financial advisor in your area to invest with Russell 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. Copyright © Russell Investments 2009. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an "as is" basis without warranty. 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. Nothing contained in this material is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional. Diversification and strategic asset allocation do not assure profit or protect against loss in declining markets. Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. 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. Income from funds managed for tax efficiency may be subject to an alternative minimum tax and/or any applicable state and local taxes. 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 2569. First used: November 2009.

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