THE BENEFITS OF LONG-TERM INVESTING

PLANT NOW, HARVEST LATER.

Source: S&P 500, 1992-2012. Yahoo Finance; Robert Schiller, “Irrational Exuberance.” The S&P 500® Index is a commonly recognized, market capitalization weighted index of 500 widely held equity securities, designed to measure broad U.S. equity performance The S&P 500 Index is unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. Investing involves risks including loss of principal. This is for illustrative purposes only, and is not representative of any specific situation. Your results will vary. The rates of return used do not reflect the deduction of fees and charges inherent to investing.

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THE BENEFITS OF LONG-TERM INVESTING

PLANT NOW, HARVEST LATER.