Take a look at Horace Mann's Retirement Advantage mutual ...

[Pages:5]Take a look at Horace Mann's Retirement Advantage mutual fund program

Horace Mann has partnered with a number of well-known investment firms to provide our clients a full range of mutual funds that span a wide spectrum of investment styles. From large company growth to bond funds, we can help match your personal investment comfort level with the appropriate funds. You can re-allocate your money, or use systematic rebalancing to maintain your desired investment strategy. You can also allocate contributions to a group unallocated fixed annuity issued by Horace Mann Life Insurance Company, with a guaranteed interest rate. Keep a long-range outlook This mutual fund program is designed to help meet retirement needs and should be seen as part of a long-term retirement plan. However, we understand investors may want to monitor the performance results of the mutual funds available within the program. Therefore, we provide these monthly performance updates. Take a few minutes to review the results; we caution you to not make a purchase or allocation decision based solely on the numbers in the following tables. You may be tempted to try to chase the funds providing the best current results. However, for that to work, you have to be right twice. You have to know when to start investing in a fund and when to stop. Those are tough calls, even for professional money managers. Stock market and individual fund performance often comes in spurts easily missed while you're waiting for just the right time to make changes. At Horace Mann, we recommend you keep a long-range focus, as retirement plans are long-term investments. It is important that you keep your goals and risk tolerance in sync with your investment option choices. Not all mutual funds shown may be available in all employer retirement plans in which Retirement Advantage is offered. Mutual fund performance as of October 31, 2023 The three-month return and average annual rates of return assume contributions were made as of the beginning of the period. All returns in the tables below are based on a $10,000 investment. The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of fees and other fund operating expenses. The returns do not include any plan level administrative fees, if applicable; if included the returns would be less favorable. The returns measure past performance and do not guarantee future results. The actual experience may also vary based on the amount of the contribution and the date the contribution was made. The investment return and value of a mutual fund will fluctuate, and the value of the mutual fund may be worth more or less than the original investment when redeemed. Current performance may be higher or lower than the performance data quoted. Monthly performance updates which may be higher or lower than the performance data quoted are available by visiting RetirementAdvantage. You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call 877-602-1870. Please read the prospectus carefully before investing. ?2016 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar not its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

MF-Perf0001

Ticker symbol

Gross Expenses

Inception Date

Lifecycle Vanguard Target Retirement 2020 Inv Vanguard Target Retirement 2025 Inv Vanguard Target Retirement 2030 Inv Vanguard Target Retirement 2035 Inv Vanguard Target Retirement 2040 Inv Vanguard Target Retirement 2045 Inv Vanguard Target Retirement 2050 Inv Vanguard Target Retirement 2055 Inv Vanguard Target Retirement 2060 Inv Vanguard Target Retirement Income Inv

VTWNX VTTVX VTHRX VTTHX VFORX VTIVX VFIFX VFFVX VTTSX VTINX

0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%

2006-06-07 2003-10-27 2006-06-07 2003-10-27 2006-06-07 2003-10-27 2006-06-07 2010-08-18 2012-01-19 2003-10-27

Asset Allocation Impax Sustainable Allocation Fund Investor Vanguard LifeStrategy Income Inv Vanguard LifeStrategy Cnsrv Gr Inv Vanguard LifeStrategy Moderate Gr Inv Vanguard LifeStrategy Growth Inv

PAXWX VASIX VSCGX VSMGX VASGX

0.90% 0.11% 0.12% 0.13% 0.14%

1971-08-10 1994-09-30 1994-09-30 1994-09-30 1994-09-30

Large value American Funds Washington Mutual R6 Diamond Hill Large Cap Y JPMorgan Equity Income R6

LSV Value Equity MFS? Value R6

6 RWMGX 5 DHLYX 6 OIEJX

5 LSVEX MEIKX

0.27% 0.55% 0.45%

0.66% 0.44%

2009-05-01 2011-12-30 2012-01-31

1999-03-31 2006-05-01

Large core/blend American Funds Invmt Co of Amer R6 Calvert US Large Cap Core Rspnb Idx R6 JPMorgan US Equity R6 MFS? Blended Research Core Equity R6

Neuberger Berman Sustainable Eq R6

Nuveen Santa Barbara Dividend Growth R6 TIAA-CREF Social Choice Eq Instl Vanguard 500 Index Admiral Vanguard FTSE Social Index Admiral

RICGX CSXRX JUEMX MUEVX

5 NRSRX 3 NSBFX

TISCX VFIAX VFTAX

0.27% 0.29% 0.47% 0.46%

0.58%

0.61% 0.18% 0.04% 0.14%

2009-05-01 2017-10-03 2010-11-30 2012-06-01

2013-03-15

2013-03-25 1999-07-01 2000-11-13 2017-07-12

Large growth American Century Growth R6 JPMorgan Large Cap Growth R6 MFS? Growth R6 Putnam Sustainable Leaders R6 T. Rowe Price Growth Stock I

AGRDX JLGMX MFEKX PSLGX PRUFX

0.62% 0.52% 0.51% 0.58% 0.53%

2013-07-26 2010-11-30 2011-08-26 2018-05-22 2015-08-28

Mid value MFS? Mid Cap Value R6

Putnam Sustainable Future R6 Allspring Special Mid Cap Value R6

MVCKX

4 PNOTX WFPRX

0.63%

0.68% 0.69%

2013-02-01

2018-05-22 2013-06-28

Mid core/blend Calvert US Mid Cap Core Rspnb Idx I Vanguard Extended Market Index Admiral Vanguard Mid Cap Index Admiral

CMJIX VEXAX VIMAX

0.41% 0.06% 0.05%

2015-10-30 2000-11-13 2001-11-12

1 These funds were closed to new investments as of October 9, 2017. 2 This fund was closed to new investors as of January 24, 2018. 3 These funds were closed to new investments as of October 1, 2018. 4 This fund was closed to new investors as of February 28, 2020. 5 These funds were closed to new investors as of February 15, 2021. 6 These funds were closed to new investors as of February 11, 2022. 7 These funds were closed to new investors as of July 28, 2022.

3

1

3

5

10

Since

months

year

years years years inception

-5.77% -6.88% -7.60% -8.08% -8.44% -8.88% -9.18% -9.21% -9.18% -4.95%

5.01% 6.00% 6.62% 7.31% 8.07% 8.81% 9.15% 9.14% 9.16% 3.83%

1.26% 1.95% 2.70% 3.62% 4.55% 5.47% 5.62% 5.62% 5.62% -0.34%

4.16% 4.70% 5.18% 5.74% 6.29% 6.85% 6.94% 6.93% 6.93% 2.94%

4.78% 5.27% 5.70% 6.16% 6.60% 6.93% 6.98% 6.96% 6.96% 3.28%

5.40% 6.02% 5.93% 6.75% 6.54% 7.35% 6.78% 8.82% 8.45% 4.46%

-8.39% -5.00% -6.18% -7.43% -8.66%

1.77% 2.52% 4.43% 6.26% 8.03%

2.18% -2.82% -0.39% 1.97% 4.34%

5.67% 1.58% 3.22% 4.72% 6.18%

5.53% 2.46% 3.85% 5.14% 6.37%

7.89% 5.24% 6.08% 6.94% 7.56%

-6.25% -9.59% -8.44%

-9.87% -7.42%

6.82% -0.56% -3.11%

-0.43% 0.31%

12.35% 7.68% 10.45%

12.90% 9.63%

9.89% 7.39% 7.89%

6.04% 7.64%

10.19% 8.39% 8.89%

7.41% 8.25%

12.86% 10.59% 10.54%

7.64% 7.60%

-7.03% -9.59% -7.68% -7.55%

-5.59%

-7.58% -8.87% -8.26% -8.64%

15.26% 8.65% 11.25% 10.09%

11.82%

4.08% 6.42% 10.10% 12.33%

10.83% 7.85% 10.61% 12.20%

9.62%

10.23% 8.62% 10.32% 8.44%

9.90% 11.08% 12.60% 10.69%

9.65%

9.78% 10.20% 10.97% 10.96%

9.95% 11.07% 11.79% 10.38%

9.35%

9.87% 9.92% 11.14% 11.53%

12.16% 10.47% 12.97% 12.52%

10.22%

10.26% 6.57% 7.06% 11.48%

-7.03% -9.19% -5.72% -6.89% -6.33%

20.89% 13.25% 18.84% 8.41% 20.97%

7.85% 6.07% 4.61% 6.16% 2.13%

13.25% 15.35% 11.70% 11.73% 9.38%

12.82% 14.65% 12.34% 11.97% 11.18%

13.25% 14.83% 14.22% 10.21% 10.82%

-10.95%

-10.64% -11.07%

-0.62%

2.90% 0.60%

11.31%

-3.96% 12.29%

8.16%

6.73% 9.08%

7.74%

6.90% 8.51%

9.16%

5.66% 9.44%

-14.34% -14.44% -12.65%

-2.90% -1.14% -1.14%

4.05% 2.31% 5.57%

7.16% 5.39% 7.33%

0.00% 6.92% 8.16%

8.05% 7.31% 9.09%

page 2

Ticker symbol

Gross

Inception

Expenses

Date

Mid growth AMG TimesSquare Mid Cap Growth Z

Baird MidCap Inst Eventide Gilead I Delaware Ivy Mid Cap Growth N JPMorgan Mid Cap Growth R6

TMDIX

3

BMDIX 6 ETILX

IGRFX JMGMX

0.98%

0.82% 1.11% 0.83% 0.75%

2005-03-04

2000-12-29 2010-02-02 2014-07-31 2011-11-01

Small value Boston Partners Small Cap Value II I DFA US Targeted Value I JPMorgan Small Cap Value R6

BPSIX DFFVX JSVUX

1.02% 0.29% 0.76%

1998-07-01 2000-02-23 2005-02-22

Small core/blend Crossmark Steward Sm-Md Cp Enh Inx Instl DFA US Small Cap I

Nuveen NWQ Small-Cap Value R6 T. Rowe Price Small-Cap Value I Vanguard Small Cap Index Adm

SCECX DFSTX

5 NSCFX PRVIX VSMAX

0.65% 0.27%

0.93% 0.70% 0.05%

2006-04-03 1992-03-19

2013-02-15 2015-08-28 2000-11-13

Small growth Vanguard Explorer Adm PGIM Jennison Small Company R6

VEXRX PJSQX

0.34% 0.71%

2001-11-12 2010-11-29

World stock MFS? Global Equity R6

Oakmark Global Investor Invesco Oppenheimer Global I

MWEMX 3 OAKGX

OGLIX

0.82% 1.11% 0.69%

2012-06-01 1999-08-04 2012-01-27

Foreign large value American Beacon International Eq Instl DFA International Value I Hartford Schroders Intl Multi-Cp Val SDR

JPMorgan Developed International Value R6

AAIEX DFIVX 2 SIDRX 3 JNVMX

0.72% 0.48% 0.75% 0.72%

1991-08-07 1994-02-15 2014-12-30 2010-11-30

Foreign large core/blend

MFS? Research International R6 Neuberger Berman International Eq R6 Impax International Sustainable Economy Fund Inv Vanguard Developed Markets Index Admiral Vanguard Total Intl Stock Index Admiral

3 MRSKX NRIQX PXINX VTMGX VTIAX

0.65% 0.90% 0.72% 0.07% 0.11%

2006-05-01 2013-09-03 2014-03-31 1999-08-17 2010-11-29

Foreign large growth MFS? International Growth R6

Invesco EQV International Equity Fund R6 Invesco Oppenheimer International Growth I American Funds Europacific Growth R5

MGRDX

1 IGFRX OIGIX

7 RERFX

0.72%

0.83% 0.69% 0.52%

2006-05-01

2012-09-24 2012-03-29 2002-05-15

Foreign small/mid core/blend DFA International Small Company I

Oakmark International Small Cap Investor

DFISX 3 OAKEX

0.39% 1.34%

1996-09-30 1995-11-01

Foreign small/mid growth Wasatch International Growth Instl

6 WIIGX

1.33% 2016-02-01

Emerging markets DFA Emerging Markets I DFA Emerging Markets Social Core Port Neuberger Berman Emerg Mkts Eq R6 Vanguard Emerging Mkts Stock Idx Adm

DFEMX DFESX 6 NREMX VEMAX

0.46% 0.44% 1.12% 0.14%

1994-04-25 2006-08-31 2013-03-15 2006-06-23

1 These funds were closed to new investments as of October 9, 2017. 2 This fund was closed to new investors as of January 24, 2018. 3 These funds were closed to new investments as of October 1, 2018. 4 This fund was closed to new investors as of February 28, 2020. 5 These funds were closed to new investors as of February 15, 2021. 6 These funds were closed to new investors as of February 11, 2022. 7 These funds were closed to new investors as of July 28, 2022.

3

1

3

5

10

Since

months

year

years years years inception

-9.61%

-16.29% -18.41% -18.61% -12.48%

4.55%

-2.52% -3.10% -1.19% 2.73%

4.45%

1.25% -4.46% -1.21% 0.34%

10.11% 9.71% 9.84%

8.36% 7.34% 8.92% 10.05%

8.41% 9.13% 9.07% 10.25%

7.58% 12.43% 9.36% 12.45%

-10.14% -12.58% -15.25%

-2.19% -1.90% -9.81%

12.40% 18.72% 11.24%

5.21% 7.92% 4.11%

5.81% 7.23% 4.85%

9.56% 10.33% 6.59%

-13.58% -13.51%

-8.84% -14.55% -14.40%

-3.37% -3.96%

1.52% -9.61% -3.58%

9.23% 11.17%

14.35% 6.03% 5.86%

4.80% 5.75%

5.92% 4.28% 5.58%

6.57% 6.79%

6.27% 6.03% 6.99%

7.08% 9.62%

8.12% 7.35% 8.20%

-14.35% -2.23% -14.41% -6.65%

3.30% 7.27%

6.78% 8.17% 8.66% 8.05% 7.82% 9.43%

-11.56% -13.47% -10.87%

4.73% 9.62% 20.97%

4.88% 9.45% 2.66%

6.44% 5.38% 7.21%

6.44% 4.64% 7.37%

9.37% 8.76% 9.30%

-11.35% -8.78% -9.25% -6.52%

20.09% 16.93% 12.75% 21.89%

9.65% 14.96% 7.55% 14.00%

3.24% 4.96% 3.26% 4.26%

2.16% 3.25% 2.68% 1.91%

6.32% 5.83% 3.32% 3.75%

-10.20% -10.22% -10.46% -10.90% -10.86%

11.82% 9.70% 14.40% 12.93% 12.35%

3.07% 1.72% 4.06% 5.39% 3.40%

5.06% 4.40% 3.97% 4.26% 3.79%

3.35% 3.53% 2.57% 3.30% 2.87%

3.29% 4.21% 2.40% 3.89% 3.86%

-11.95%

-10.12% -14.65% -11.84%

11.13%

12.92% 8.33% 10.37%

3.17%

1.41% -1.04% -0.71%

6.21%

4.69% 4.10% 4.40%

5.31%

3.23% 2.70% 3.89%

5.23%

4.53% 4.78% 6.46%

-11.01% 10.58% -14.08% 17.65%

4.58% 9.25%

3.25% 5.10%

3.76% 3.08%

6.09% 8.05%

-16.17% -5.09% -10.66% -1.42% 1.11% 1.39%

-11.23% -10.54% -11.58% -10.77%

13.02% 14.76% 6.12% 10.92%

0.68% 1.25% -6.42% -2.00%

3.01% 3.26% -0.56% 2.91%

1.95% 2.12% 0.38% 1.67%

5.87% 4.38% 0.46% 4.07%

page 3

Real estate

Invesco Real Estate R6 Morgan Stanley Inst US Real Estate IS Virtus Duff & Phelps Real Estate Secs R6 Vanguard Real Estate Index Admiral

Ticker symbol

1 IARFX MURSX VRREX VGSLX

Gross

Inception

Expenses

Date

0.81% 4.36% 0.93% 0.12%

2012-09-24 2013-09-13 2014-11-12 2001-11-12

Global real estate DFA Global Real Estate Securities Port PGIM Global Real Estate R6

DFGEX PGRQX

0.32% 0.79%

2008-06-04 2013-08-23

Intermediate-term bond BlackRock Total Return K

Guggenheim Total Return Bond Instl JPMorgan Core Plus Bond R6 PGIM Total Return Bond R6 TIAA-CREF Social Choice Bond Instl Vanguard Total Bond Market Index Adm

MPHQX 3 GIBIX

JCPUX PTRQX TSBIX VBTLX

0.38%

0.62% 0.39% 0.40% 0.37% 0.05%

2001-12-07

2011-11-30 2005-02-22 2010-12-27 2012-09-21 2001-11-12

Inflation-protected bond BlackRock Inflation Protected Bond K Vanguard Inflation-Protected Secs Adm Vanguard Shrt-Term Infl-Prot Sec Idx Adm DFA Inflation-Protected Securities I

BPLBX VAIPX VTAPX DIPSX

0.55% 0.10% 0.06% 0.11%

2004-06-28 2005-06-10 2012-10-16 2006-09-18

High yield bond BlackRock High Yield Bond K Columbia Income Opportunities Inst3 Vanguard High-Yield Corporate Adm Lord Abbett High Yield R6 PGIM High Yield R6

BRHYX 7 CIOYX

VWEAX LHYVX PHYQX

0.51% 0.69% 0.13% 0.60% 0.38%

1998-11-19 2011-03-07 2001-11-12 2015-06-30 2011-10-31

World Bond BrandywineGLOBAL Global Opp Bond IS Loomis Sayles Global Bond N Vanguard Total Intl Bd Idx AdmiralTM PGIM Global Total Return R6

GOBSX LSGNX VTABX PGTQX

0.56% 0.66% 0.11% 0.53%

2006-11-01 2013-02-01 2013-05-31 2012-02-03

1 These funds were closed to new investments as of October 9, 2017. 2 This fund was closed to new investors as of January 24, 2018. 3 These funds were closed to new investments as of October 1, 2018. 4 This fund was closed to new investors as of February 28, 2020. 5 These funds were closed to new investors as of February 15, 2021. 6 These funds were closed to new investors as of February 11, 2022. 7 These funds were closed to new investors as of July 28, 2022.

3

1

3

5

10

Since

months

year

years years years inception

-12.68% -11.57% -13.16% -13.59%

-7.81% -2.61% -6.81% -8.02%

1.60% 6.61% 5.47% 2.15%

1.57% -1.95% 4.10% 2.30%

4.42% 2.40% 5.69% 4.67%

4.72% 2.73% 4.32% 8.20%

-12.84% -6.27% 1.13% 0.78% 3.41% 3.61% -12.64% -1.67% -0.22% 0.72% 2.39% 2.95%

-5.40%

-4.53% -4.55% -4.46% -4.64% -4.55%

0.84%

2.27% 0.58% 2.39% 0.67% 0.53%

-5.30%

-4.92% -4.58% -4.98% -5.37% -5.52%

0.31%

0.34% 0.47% 0.39% -0.14% -0.04%

1.43%

2.30% 1.49% 1.70% 1.41% 0.87%

3.37%

3.23% 3.48% 2.72% 1.33% 2.95%

-3.83% -3.42% 0.34% -3.67%

-0.38% -0.92% 2.64% -0.54%

-1.86% -2.10% 2.06% -2.20%

2.43% 2.14% 2.92% 2.29%

1.48% 1.53% 1.66% 1.58%

3.57% 2.97% 1.45% 3.33%

-1.90% -1.90% -1.90% -3.07% -2.95%

6.45% 5.06% 5.67% 3.29% 5.01%

1.80% 0.93% 0.62% 0.10% 1.07%

3.35% 2.65% 3.02% 1.80% 3.11%

3.97% 3.33% 3.70% 3.49% 4.09%

6.52% 4.34% 5.68% 3.11% 5.14%

-11.76% -5.99% -1.52% -5.17%

1.67% 0.98% 1.65% 6.56%

-6.77% -7.51% -4.35% -8.23%

-1.30% -1.43% -0.08% -1.39%

-0.12% -0.49% 1.69% 0.48%

2.83% -0.54% 1.67% 1.01%

page 4

Retirement Advantage information Horace Mann Investors, Inc. offers Retirement Advantage as investment options in 403(b), 457(b) and 401(a) plans through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a Delaware Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. This information must be preceded or accompanied by the current prospectuses. You can receive prospectuses by calling 844-895-0980 or by visiting RetirementAdvantage. You should read the prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. As with all securities, mutual funds include risk of loss including loss of principal. Withdrawals from a 403(b), 457(b) and 401(a) account are restricted by the tax laws and may be further restricted by your employer's plan. Generally, you may make a withdrawal from a 403(b) account only upon reaching age 59?, severance from employment, disability, or certain hardships (if allowed by the plan); a 457(b) account only upon reaching age 70?, severance from employment, disability, or an unforeseeable emergency (if allowed by the plan); and a 401(a) account only upon reaching a specified age, severance from employment, or disability. If you take money out before age 59?, you could be subject to a federal penalty tax of 10% (except for 457(b) accounts) in addition to income taxes. The tax rules related to retirement plans are complex and you should consult with a tax advisor. The guarantees in the group unallocated fixed annuity are provided by Horace Mann Life Insurance Company and are based on the financial stability and claims paying ability of the company. The earnings potential of each mutual fund reflects the degree of risk associated with it. The higher the potential return, the higher the degree of risk, including the possibility of loss of principal. Target maturity or "Lifecycle" funds are managed for investors planning to retire (or to begin withdrawing substantial portions of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of the Lifecycle fund is not guaranteed at any time. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. Due to market volatility, short-term returns may not be indicative of longer-term results. While all investing involves some risk there are greater risks associated with investing in small size companies, mid-size companies, international securities, and high-yield bonds. These risks are presented in detail in the prospectuses. Not all mutual funds shown may be available in all employer retirement plans in which Retirement Advantage is offered.

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