(PUB) Investing 2016

38

Historical Performance

Historical Risk

Morningstar Rating vs.Category 5 ! Best

Total Return % 12-31-15

Total Return % Category Rank

12- Mo Yld %

Stand- ard Devia- tion (R²)

Risk Relative to Category

Morningstar Analyst Rating

1 ! Best, 100 ! Worst

A N N U A L I Z E D

Morningstar 500 International Equity

YTD 1 Yr

3 Yr

5 Yr

10 Yr YTD 1 Yr 3 Yr 5 Yr 10 Yr

Foreign Stock

—

1.4 1.4 -2.1 -2.1 -0.8 -0.8 -8.2 -8.2

5.5 4.0 3.8

— — — — —

— 11.61 (85) 1.2 12.37 (92) 1.7 10.76 (91) 3.2 11.09 (93) 0.2 10.64 (91) 0.4 12.44 (82) 0.1 13.18 (61) 0.8 10.61 (81) 1.7 11.65 (88) 2.0 11.07 (69) 1.3 10.67 (88) 2.1 11.54 (83) 2.3 13.73 (91)

—

QQQQ

American Beacon Intl Equity Inv AAIPX American Funds Europacific Growth A AEPGX American Funds Intl Gr and Inc A IGAAX Ariel International Equity Investor AINTX Artisan International Small Cap Investor ARTJX Artisan International Value Investor ARTKX Causeway International Value Inv CIVVX Columbia Acorn International Select A LAFAX DFA International Small Company I DFISX Dodge & Cox International Stock DODFX Fidelity Diversified International FDIVX Fidelity International Discovery FIGRX Artisan International Investor ARTIX Columbia Acorn International Z ACINX

—

FV FG FB FV

4.0 5.1 1.6 8.6 6.0 8.1 8.4 3.9 1.6 4.9 8.1 3.9 7.7 7.3 9.8 4.5 4.2 0.3 5.5 5.6 5.9 6.2 4.1 4.0 4.3 4.9 6.2 4.0 4.8 1.6 3.7 4.8 2.2 1.8 3.6 1.6 3.0 5.8 3.7 2.8

3.7 3.6 2.9 — 6.7 7.6 7.8 4.4 2.9 3.8 4.9 2.6 5.2 5.0 6.8 3.5 4.0 9.3 2.4 3.3 5.0 6.2 2.3 0.1 4.2 5.5 3.3 6.1 8.1 3.0 3.2 3.8 2.9 6.3 4.4 3.6 1.3 1.4 5.4 3.6 1.8 1.3 6.0 2.9

3.1 4.6 — — 5.0 7.8 8.0 3.7 5.7 6.7 5.2 3.8 3.8 4.3 3.7 3.0 6.2 — 4.9 5.0 — — 3.9 1.0 2.9 3.5 3.3 6.2 4.8 6.1 7.5 3.0 3.7 — 4.9 5.4 4.9 3.2 — — 5.5 4.6 2.8 2.9 5.1

44 44 72 72 91 91

38 18 12 44 49 34 84 45 — 1 — —

Avg Low -Avg Low +Avg High Low Avg -Avg Avg High Avg Avg -Avg Low Low High +Avg Low High +Avg High +Avg +Avg High High +Avg Low -Avg Avg -Avg Avg Avg +Avg

Œ Œ

QQ QQ

QQQQQ

—

4.2

4.2

5

5

„ Œ Œ Œ „ „ Œ ´ ´ ´ „ ´ Œ „ „ — ´ „ „ ˇ ˇ ´ ˇ „ ´ Œ Œ „ ˇ „ ´ Œ „ — — ˇ ˇ ´ ´ Œ

FG ]QQQQ

-3.9 -3.9

96 96

29

7 20

FR [QQQ

11.0 11.0 -1.7 -1.7 -3.2 -3.2 -1.3 -1.3 -1.3 -1.3

17 17 60 60 74 74 79 79 90 90 43 43 98 98 26 26 12 12 77 77 85 85 71 71 97 97 86 86 90 90 81 81 88 88 13 13 77 77 75 75 25 25 29 29 54 54 72 72 69 69 39 39 51 51 36 36 83 83 79 79 22 22 70 70 79 79 79 79 26 26 6 6 1 1 45 45 10 10 8 8

60 23 12

QQQQQ

FB FB

4

3

1

QQQ

47 12 26

Ø FG ]QQQ

95 67

7

QQQ QQQ QQQ QQQ

FR

89 88 17

FQ FB FG FG FB FB FB FB FG FQ FG FB FB FB FB FB FV FG FB FG FV FG FB FB FQ FG FV FB FG FQ FG

5.9

5.9

41 63 27 49 54 22 11 24 60 15 25 43

-11.4 -11.4

3.1 4.8 8.3

3.1 4.8 8.3

0.9

11.8 (87)

QQQQ QQQQ

1.0 11.65 (87) 1.0 11.26 (88)

Fidelity Overseas FOSFX

3

4 27

FB [QQQ

Fidelity Spartan International Idx Inv FSIIX

-0.9 -0.9

33 30 39

2.6 12.38 (95)

QQQQ

First Eagle Overseas A SGOVX

2.3 3.2

2.3

41 18

3

0.2 1.8

8.35 (83) 8.25 (63)

QQQQQ

FMI International FMIJX

3.2 10.4

2

1 —

QQQ QQQ QQQ

Harbor International Institutional HAINX Harding Loevner International Eq Inv HLMNX

-3.8 -3.8 -2.0 -2.0

85 61 11 80 56 23 72 57 — 2 10 — 52 63 21 93 94 90 70 46 43

1.8 13.11 (93) 0.7 12.88 (91)

IVA International A IVIOX

1.2

1.2

2.5

6.31 (88)

QQQQ QQQQ

-4.3 -4.3 11.5

JOHCM International Select II JOHAX Litman Gregory Masters Intl Instl MSILX Longleaf Partners International LLINX MainStay ICAP International I ICEUX

0.2 13.07 (68) 1.7 12.29 (89)

-5.5 -5.5 -7.9 -7.9 -4.6 -4.6

Q

0.2 -0.6

1.8

14.8 (79)

QQQ QQQ

1.6 12.51 (88)

Manning & Napier World Opportunities A EXWAX Neuberger Berman International Eq Inv NIQVX

-5.9 -5.9

93 91 28

1.9 13.22 (90)

WWWW

1.9

1.9

17 17

15 32

0.4

— (—)

FB [QQQQ

Oakmark International I OAKIX

-3.8 -3.8

6

3

2.3 14.14 (85) 2.5 12.19 (83) 0.9 12.11 (85)

QQQ

Oakmark International Small Cap I OAKEX Oppenheimer International Growth A OIGAX T. Rowe Price International Discovery PRIDX T. Rowe Price International Gr & Inc TRIGX T. Rowe Price International Stock PRITX T. Rowe Price Overseas Stock TROSX Thornburg International Value A TGVAX Vanguard Developed Markets Idx Admiral VTMGX Vanguard FTSE All-Wld ex-US Idx Admiral VFWAX Vanguard FTSE All-Wld ex-US SmCp Idx Inv VFSVX Vanguard International Explorer Inv VINEX Vanguard International Growth Inv VWIGX Vanguard International Value Inv VTRIX Vanguard Total Intl Stock Index Admiral VTIAX Tweedy, Browne Global Value TBGVX USAA International USIFX

0.7 3.2

0.7 3.2

70 79 58

QQQQ

27 12

2

FR ]QQQQQ

9.9

9.9 10.8

21 20 15 37 34 16 65 58 63 39 23 — 50 66 26

0.7 2.1

9.52 (84) 11.8 (93)

QQQQ

-3.1 -3.1 -0.8 -0.8 -2.6 -2.6

QQQ

1.1 11.95 (93) 2.1 11.33 (95) 0.8 11.84 (83)

QQQQ

QQ

6.3

6.3

QQQQQ

-1.5 -1.5

14

2

1

0.8

8.23 (80)

Low Avg

QQQQ QQQQ

0.6

0.6

65 37 24 29 28 33

1.3 11.68 (90) 2.9 12.31 (96) 2.9 12.11 (98) 2.5 11.75 (86) 1.5 10.39 (84) 1.4 13.51 (93) 2.1 13.16 (96) 2.8 11.99 (98) 0.9 11.52 (79) — 11.28 (77) 2.4 10.54 (90) 0.7 10.75 (84)

-0.2 -0.2 -4.7 -4.7 -0.3 -0.3

+Avg

QQ

85

83 —

Avg

FQ ]QQ

86 89 —

+Avg

QQQ QQQ QQQ

8.6

8.6 11.2

13 48 11 51 51 33 67 61 22 82 82 43 70 15 19

-Avg High +Avg

-0.7 -0.7 -6.4 -6.4 -4.3 -4.3

QQ

Avg Avg

QQQ

Virtus Foreign Opportunities A JVIAX

3.1

3.1

World Stock

—

-1.7 -1.7 -2.2 -2.2

8.3 6.5 5.0

— — — — —

—

Œ Œ

QQQ

American Funds Capital World Gr&Inc A CWGIX American Funds New Perspective A ANWPX American Funds SMALLCAP World A SMCWX

8.3

6.9 9.0 7.1

5.9 7.5 7.0

59 59

53 47 29

-Avg -Avg Avg

QQQQ

5.3 2.6

5.3 11.3 2.6 10.5

7

7

12 12

4

´

QQQ

16 16

18 43 10

0.0

11.1 (57)

MSCI World Index MSCI EAFE Index

-0.9 -0.9 -1.0 -1.0

9.6 4.1

7.6 5.0 3.3 2.8

Legend

Categories FA Foreign–Small/Mid Value FB Foreign–Large Blend FG Foreign–Large Growth FQ Foreign Small/Mid Blend FR Foreign–Small/Mid Growth

FV Foreign–Large Value SC Communications SF Financial SH Health SN Natural Resources

SP Equity Precious Metals SR Real Estate SU Utilities ST Technology

Red ! Lowest return in group Green ! Highest return in group Italic ! Extended performance

E ! New this month ][ ! Increase/decrease in rating NR ! No Morningstar Rating; fund less than three years old.