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CATEGORY                                   TOTAL RETURN*



PRECIOUS METALS                               16.53%
SMALL-CAP VALUE                               11.13
REAL ESTATE                                    8.35
MID-CAP VALUE                                  4.65
SMALL-CAP BLEND                               -0.59
PACIFIC/ASIA EX-JAPAN                         -1.16
DIVERSIFIED EMERGING MARKETS                  -3.32
FINANCIAL                                     -3.94
DOMESTIC HYBRID                               -4.79
LARGE-CAP VALUE                               -6.39
LATIN AMERICA                                 -7.27
INTERNATIONAL HYBRID                          -7.28
MID-CAP BLEND                                 -8.33
ALL CAP                                       -9.66
LARGE-CAP BLEND                              -13.98
SMALL-CAP GROWTH                             -15.17
HEALTH                                       -15.70
NATURAL RESOURCES                            -16.41
DIVERSIFIED PACIFIC/ASIA                     -18.04
WORLD                                        -18.13
MID-CAP GROWTH                               -21.11
FOREIGN                                      -21.55
LARGE-CAP GROWTH                             -22.04
EUROPE                                       -22.13
UTILITIES                                    -24.14
JAPAN                                        -25.42
TECHNOLOGY                                   -32.82
COMMUNICATIONS                               -33.62
U.S. DIVERSIFIED FUNDS                       -11.35
INTL. EQUITY FUNDS                           -17.16
ALL EQUITY FUNDS                             -12.32
S&P 500                                      -12.82



* Appreciation plus reinvestment of dividends and capital gains before
taxes, Jan. 1 through Dec. 12, 2001



Data: Standard & Poor's