Morningstar Advisor - December/January 2010 - 77

Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 06/30/09 Assets Share of Total Assets 3.98% 3.29% 3.20% 2.98% 2.80% 2.79% 2.66% 2.25% 2.21% 1.90% 1.81% 1.75% 1.59% 1.59% 1.45% 1.43% 1.38% 1.30% 1.29% 1.26% 1.24% 1.23% 1.20% 1.16% 1.15% 1.09% 1.06% 1.05% 1.03% 1.02% 1.00% 0.99% 0.98% 0.95% 0.87% 0.87% 0.82% 0.82% 0.81% 0.80% 0.79% 0.75% 0.75% 0.74% 0.70% 0.69% 0.68% 0.66% 0.62% 0.60% 1.39% 1.79% 1.27% 1.72% 1.17% 1.60% 1.74% 1.65% 1.37% 1.79% 1.42% 1.77% 1.42% 1.39% 1.52% 1.37% 1.85% 1.74% 1.52% 1.77% 1.77% 1.37% 1.80% 0.92% 1.69% 1.31% 1.45% 1.42% 1.31% 1.64% 0.87% 1.82% 1.42% 1.39% 1.79% 1.37% 1.77% 1.47% 0.73% 1.67% 1.27% 1.25% 1.44% 1.29% 1.89% 0.73% 1.55% 1.40% 1.27% 1.27% 8.50% 8.50% 6.00% 7.00% 7.00% 8.50% 8.00% 6.00% 7.00% 9.00% 7.00% 6.00% 7.00% 7.50% 7.00% 7.00% 8.00% 7.00% 8.00% 8.00% 7.00% 7.00% 7.00% 5.50% 9.00% 7.00% 7.00% 7.00% 7.00% 7.00% 5.75% 8.00% 7.00% 7.00% 8.00% 7.00% 7.00% 8.00% 5.75% 8.00% 7.00% 2.00% 8.00% 7.00% 9.00% 5.75% 8.00% 9.00% 7.00% 7.00% 7 4 7 4 7 9 4 3 7 10 7 4 7 8 3 3 4 4 8 4 3 7 4 0 9 6 7 3 7 4 0 9 7 7 4 7 4 8 0 9 3 5 7 7 10 0 7 7 7 7 Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y N Y Y N Y Y Y Y Y Y Y Y N Y Y Y Y N Y N N Y Y N Y N Y Y Y Y N N N N Y Y Y N Y Y N Y N Y N N Y Y Y Y Y Y Y N Y Y Y Y Y Y Y N N N Y Y Y N N N Y Y N Y Y Y N N Y N Y Y N N N Y Y N Y Y Y N N Y Y Y 0.45%–1.25% 0.60%–1.20% 0.90%–0.90% 0.50%–1.50% 0.95%–1.10% 0.80%–1.20% 0.45%–1.25% No LBs 0.55%–1.50% 0.60%–1.20% 0.50%–1.50% 1.00%–1.20% 0.50%–1.00% 0.60%–1.20% 0.55%–0.95% 0.55%–1.50% 1.10%–1.30% 0.40%–0.90% 1.00%–1.20% 0.50%–1.00% 0.40%–1.75% 0.75%–1.15% 0.40%–0.90% 0.90%–0.90% 0.60%–1.20% 0.40%–1.75% 0.40%–0.90% 0.95%–1.10% 0.45%–0.45% 0.60%–1.20% 0.25%–1.00% 0.55%–1.50% 0.50%–1.00% 0.40%–0.90% 0.15%–1.25% 0.35%–0.85% 0.75%–1.15% 0.25%–1.25% 0.40%–0.90% 0.50%–1.00% 0.55%–1.50% 0.00%–0.00% 0.15%–1.25% 0.60%–1.20% 0.60%–1.20% 0.40%–0.90% 1.10%–1.30% 0.40%–1.75% 0.15%–1.00% 0.15%–1.00% JNL Psp 2-Fixed AS APEX2-Fixed JHT Lifestyle Growth Series II Met Invt Ser MetLife Gr Strat B RiverSource VP Diversified Bond AZL Money Market JNL PspLFVA-Fixed JHT Lifestyle Growth Series II Met Pref+Sl-Fixed AS XC6-Fixed Met Invt Ser MetLife Gr Strat B ING LifeStyle Growth S AXA Moderate-Plus Allc B AS AP3-Fixed PIMCO VIT Total Return Admin Met PrefPrm-Fixed SC Goldman Sachs Short Duration Initial American Funds IS Growth 2 ING LifeStyle Growth S AXA Moderate-Plus Allc B Pacific Select Inflation Managed Hartfd L4-Fixed American Funds IS Growth 2 JH VOPP A-Fixed AST Capital Growth Asset Allocation Pacific Select Inflation Managed American Funds IS Growth-Income 2 RiverSource VP Diversified Bond MML Ser Inv Fund Growth Allocation Svc Pruco PremL-Fixed Met Invt Ser MetLife Balanced Strat B MetInv XTRA-Fixed EQ Accm8.2-Fixed American Funds IS Growth 2 Transamerica Asset Allc Mod Gr VP SC Thrivent Ser Moderate Allocation Hartford Capital Appreciation HLS IA American Funds IS Growth 2 LNL C+A A-Fixed AXA Moderate-Plus Allc B Metropolitan Ser Mod Agrsv Allocation B Fidelity VIP Balanced Inv Transamerica Asset Allc Mod Gr VP SC AST Capital Growth Asset Allocation AST Investment Grade Bond American Funds IS Growth-Income 2 SC Goldman Sachs Short Duration Initial Pacific Select Managed Bond BOA AmFut2-Fixed NVIT Inv Dest Moderate 2 18% 24% 29% 22% 14% 10% 17% N/A 30% 29% 19% 11% 21% 24% 11% 35% 9% 9% 10% 21% 9% 15% 17% 19% 14% 8% 19% 15% 10% 17% 20% 32% 26% 9% 47% 36% 11% 10% 17% 21% 11% N/A 11% 13% N/A 19% 9% 9% 8% 20% GMAB Guaranteed Minimum Accumulation Benefit CDSC Contingent Deferred Sales Charge * Excludes 403(b) and other products sold primarily into group plans MorningstarAdvisor.com 77
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Morningstar Advisor - December/January 2010

Table of Contents for the Digital Edition of Morningstar Advisor - December/January 2010

Morningstar Advisor - December/January 2010
Contents
New on MorningstarAdvisor.com
Letter from the Editor
Contributors
How Big a Role Do Alternative Investments Play in Your Practice?
In for the Long Term: Dana Emery
It's All About the Plan
Investment Briefs
A More Powerful Bankruptcy Prediction Model
This Time It’s Personal
Alternative Investments Go Mainstream
After Meltdown, More Advisors Turn to Alternatives
Where to Find Low Correlation
Commodities Are a Rock in a Hard Place
How Alternatives Protect Portfolios
Shipshape
Slow Scrutiny
Four Picks for the Present
Are Utilities’ Dividends Worth the Worry?
High-Confidence Stock Picks
Long-Short Funds That Pass a Simple Stress Test
Mutual Fund Analyst Picks
50 Most Popular Equity ETFs
Undervalued Stocks
VA Sales See Some Recovery
New at Morningstar
I Read the News Today, Oh Boy
Morningstar Advisor - December/January 2010 - Morningstar Advisor - December/January 2010
Morningstar Advisor - December/January 2010 - Cover2
Morningstar Advisor - December/January 2010 - Contents
Morningstar Advisor - December/January 2010 - 2
Morningstar Advisor - December/January 2010 - 3
Morningstar Advisor - December/January 2010 - New on MorningstarAdvisor.com
Morningstar Advisor - December/January 2010 - 5
Morningstar Advisor - December/January 2010 - 6
Morningstar Advisor - December/January 2010 - Letter from the Editor
Morningstar Advisor - December/January 2010 - Contributors
Morningstar Advisor - December/January 2010 - 9
Morningstar Advisor - December/January 2010 - How Big a Role Do Alternative Investments Play in Your Practice?
Morningstar Advisor - December/January 2010 - 11
Morningstar Advisor - December/January 2010 - In for the Long Term: Dana Emery
Morningstar Advisor - December/January 2010 - 13
Morningstar Advisor - December/January 2010 - It's All About the Plan
Morningstar Advisor - December/January 2010 - 15
Morningstar Advisor - December/January 2010 - Investment Briefs
Morningstar Advisor - December/January 2010 - 17
Morningstar Advisor - December/January 2010 - 18
Morningstar Advisor - December/January 2010 - 19
Morningstar Advisor - December/January 2010 - A More Powerful Bankruptcy Prediction Model
Morningstar Advisor - December/January 2010 - 21
Morningstar Advisor - December/January 2010 - 22
Morningstar Advisor - December/January 2010 - 23
Morningstar Advisor - December/January 2010 - 24
Morningstar Advisor - December/January 2010 - 25
Morningstar Advisor - December/January 2010 - This Time It’s Personal
Morningstar Advisor - December/January 2010 - 27
Morningstar Advisor - December/January 2010 - 28
Morningstar Advisor - December/January 2010 - 29
Morningstar Advisor - December/January 2010 - 30
Morningstar Advisor - December/January 2010 - 31
Morningstar Advisor - December/January 2010 - Alternative Investments Go Mainstream
Morningstar Advisor - December/January 2010 - 33
Morningstar Advisor - December/January 2010 - 34
Morningstar Advisor - December/January 2010 - 35
Morningstar Advisor - December/January 2010 - After Meltdown, More Advisors Turn to Alternatives
Morningstar Advisor - December/January 2010 - 37
Morningstar Advisor - December/January 2010 - Where to Find Low Correlation
Morningstar Advisor - December/January 2010 - 39
Morningstar Advisor - December/January 2010 - Commodities Are a Rock in a Hard Place
Morningstar Advisor - December/January 2010 - 41
Morningstar Advisor - December/January 2010 - How Alternatives Protect Portfolios
Morningstar Advisor - December/January 2010 - 43
Morningstar Advisor - December/January 2010 - 44
Morningstar Advisor - December/January 2010 - 45
Morningstar Advisor - December/January 2010 - 46
Morningstar Advisor - December/January 2010 - 47
Morningstar Advisor - December/January 2010 - Shipshape
Morningstar Advisor - December/January 2010 - 49
Morningstar Advisor - December/January 2010 - 50
Morningstar Advisor - December/January 2010 - 51
Morningstar Advisor - December/January 2010 - Slow Scrutiny
Morningstar Advisor - December/January 2010 - 53
Morningstar Advisor - December/January 2010 - 54
Morningstar Advisor - December/January 2010 - 55
Morningstar Advisor - December/January 2010 - Four Picks for the Present
Morningstar Advisor - December/January 2010 - 57
Morningstar Advisor - December/January 2010 - 58
Morningstar Advisor - December/January 2010 - Are Utilities’ Dividends Worth the Worry?
Morningstar Advisor - December/January 2010 - 60
Morningstar Advisor - December/January 2010 - 61
Morningstar Advisor - December/January 2010 - High-Confidence Stock Picks
Morningstar Advisor - December/January 2010 - 63
Morningstar Advisor - December/January 2010 - Long-Short Funds That Pass a Simple Stress Test
Morningstar Advisor - December/January 2010 - 65
Morningstar Advisor - December/January 2010 - Mutual Fund Analyst Picks
Morningstar Advisor - December/January 2010 - 67
Morningstar Advisor - December/January 2010 - 68
Morningstar Advisor - December/January 2010 - 69
Morningstar Advisor - December/January 2010 - 50 Most Popular Equity ETFs
Morningstar Advisor - December/January 2010 - 71
Morningstar Advisor - December/January 2010 - 72
Morningstar Advisor - December/January 2010 - Undervalued Stocks
Morningstar Advisor - December/January 2010 - 74
Morningstar Advisor - December/January 2010 - 75
Morningstar Advisor - December/January 2010 - VA Sales See Some Recovery
Morningstar Advisor - December/January 2010 - 77
Morningstar Advisor - December/January 2010 - 78
Morningstar Advisor - December/January 2010 - New at Morningstar
Morningstar Advisor - December/January 2010 - I Read the News Today, Oh Boy
Morningstar Advisor - December/January 2010 - Cover3
Morningstar Advisor - December/January 2010 - Cover4
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