Bonds - Wiser Wealth Management, Inc

Morningstar Office SM | Print Date: 1/24/2013 Page 4 of 23
PIMCO Total Return Admin PTRAX
Investment Summary
Data as of Currency Benchmark 1 Benchmark 2
12/31/2012 USD Barclays US Agg Bond TR USD —
Trailing Return
Total
Return %
+/-
BM1
+/-
BM2
Cat %
Rank
1 Mo 0.23 0.37 — 24
3 Mo 1.10 0.89 — 25
6 Mo 4.23 2.43 — 24
YTD 10.08 5.87 — 13
1 Yr 10.08 5.87 — 13
3 Yr 7.48 1.30 — 31
5 Yr 8.07 2.12 — 9
10 Yr 6.55 1.37 — 10
15 Yr 6.99 1.03 — 4
Ratings as of 12/31/2012
Overall 3 Year 5 Year 10 Year
Rating 5Q 4Q 5Q 5Q
Risk — 0.11 0.19 0.18
Return — 7.38 7.65 4.72
# Investments Rated 1001 1001 874 612
Risk/Reward
vs Benchmark 1 3 Year 5 Year 10 Year
Alpha 2.67 2.60 1.39
Beta 0.76 0.89 0.98
R-Squared 32.11 55.75 73.50
Tracking Error 2.74 2.87 2.13
Information Ratio 0.47 0.74 0.64
Excess Return 1.30 2.12 1.37
Miscellaneous 3 Year 5 Year 10 Year
Standard Deviation 3.25 4.24 4.04
Sharpe Ratio 2.28 1.81 1.19
Sortino Ratio 4.88 3.61 1.99
Max Drawdown (Mo) 2 6 6
Max Drawdown (%) -2.33 -4.74 -4.74
Peak Date 8/1/2011 5/1/2008 5/1/2008
Valley Date 9/30/2011 10/31/2008 10/31/2008
Manager Information
William Gross. Since 5/1987. B.A. 1966 Duke University. M.B.A.
University of California, Los Angeles (Anderson).
Investment Strategy
The investment seeks maximum total return, consistent with
preservation of capital and prudent investment management. The
fund normally invests at least 65% of its total assets in a diversified
portfolio of Fixed Income Instruments of varying maturities, which
may be represented by forwards or derivatives such as options,
futures contracts, or swap agreements. It invests primarily in
investment-grade debt securities, but may invest up to 10% of its
total assets in high yield securities ("junk bonds") rated B or higher by
Moody's, or equivalently rated by S&P or Fitch, or, if unrated,
determined by PIMCO to be of comparable quality.
Operations
Minimum Initial Investment 1000000
Inception Date 9/8/1994
Management Fees Actual: 0.46% Max: 0.25%
Sales Fees —
Firm Name
PIMCO
Telephone 888-877-4626
Web Address
www.pimco-funds.com
Performance
& * & & ( & & * * ) &
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 12/2012 History
9.91 5.30 4.88 2.63 3.74 8.81 4.55 13.55 8.56 3.91 10.08 Total Return %
-0.34 1.19 0.54 0.20 -0.60 1.84 -0.69 7.62 2.02 -3.94 5.87 +/- Benchmark 1
— — — — — — — — — — — +/- Benchmark 2
445.00 234.00 273.00 470.00 325.00 257.00 226.00 300.00 402.00 430.00 584.00 Turnover Ratio %
14,083 15,959 17,013 18,448 19,877 22,644 23,466 30,268 33,685 31,439 33,471 Share Class Assets (mil)
0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.70 0.71 0.71 0.71 Expense Ratio
0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Stock %
62.88 52.05 39.96 44.27 70.89 13.24 51.63 49.88 54.53 64.25 87.06 Bond %
Holding Analysis as of 9/30/2012
-50 0 50 100 150
Net % #
Cash -33.9 —
Stock 0.0 0
Bond 128.2 20023
Other 5.8 —
Total 100.0 20611
Equity Style % Market Cap %
— — —
Giant —
Large —
— — —
Mid —
— — — Small —
Val
Core Gr
Lg Mid Sm
Micro —
Avg Market Cap (mil) —
Value Factors % Growth Factors %
Price/Earnings — LT Earn Gr —
Price/Book — Hist Earn Gr —
Price/Sales — Book Val Gr —
Price/Cash Flow — Sales Gr —
Dividend Yield — Cash Flow Gr —
Fixed Income Style
Ltd
Mod Ext
High Med Low
Avg Eff Duration 1 4.0 Yrs
Avg Eff Maturity 1 5.9 Yrs
Avg Credit Quality 1 —
Avg Wtd Coupon 1 3.87%
Avg Wtd Price —
1
as of 3/31/2010
Credit Rating Breakdown % Maturity Breakdown %
AAA 64.0 1-3 22.7
AA 9.0 3-5 13.2
A 13.0 5-7 5.9
BBB 8.0 7-10 8.9
BB 3.0 10-15 4.6
B or Below B 3.0 15-20 4.6
Not Rated 0.0 20-30 21.3
30+ 18.8
Top Holdings as of 9/30/2012
6.4
3.2
0.0
-3.2
-6.4
Style
Manager Change
Partial Mgr Change
Investment Performance
Quarterly Return
Category
—
US OE Intermediate-Term Bond
Performance Quartile
(within category)
Mkt Cap USD
% Mkt
Box Sector (mil) Val
Fin Fut Euro$ Cme 06/15/15 — — — 12.05
Fannie Mae Single Family TB... — — — 6.02
Fannie Mae Single Family TB... — — — 5.50
Fin Fut Euro$ Cme 03/16/2015 — — — 4.83
Cdx Bp Ig18 5y Cme — — — -3.42
Pimco Fds — — — 3.39
Fannie Mae Single Family TB... — — — 3.11
Fannie Mae Single Family TB... — — — 2.14
Fannie Mae Single Family TB... — — — 2.13
US Treasury Note — — — 2.06
Irs Usd 3ml/4.25 06/15/11 C... — — — -2.03
Irs Usd 3ml/1.5 03/18/15 Cme — — — 1.92
Brazil(Fed Rep Of) 10% — — — 1.88
US Treasury Bond 2.5% — — — 1.42
Irs Usd 3ml/2.75 06/20/12 C... — — — -1.36
Fin Fut Euro$ Cme 12/15/14 — — — 1.28
US Treasury Bond 2.375% — — — 1.15
US Treasury Note 1% — — — 1.13
US Treasury Note 0.125% — — — 1.07
Fannie Mae Single Family TB... — — — 0.99
Top 20 holdings 45.3
Top 3 Equity Sectors % Rel BM1% Rel BM2%
Basic Matls — — —
Cons Cyclical — — —
Financial Svcs — — —
Top 3 Fixed Income Sectors % Rel BM1% Rel BM2%
Securitized 32.28 — —
Cash 27.22 — —
Government 24.68 — —
© Morningstar 2013. All rights reserved. Use of this content requires expert knowledge. It is to be used by specialist institutions only. The information contained herein: (1) is proprietary to Morningstar and/or its content
providers; (2) may not be copied, adapted or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising ß ®
from any use of this information, except where such damages or losses cannot be limited or excluded by law in your jurisdiction. Past financial performance is no guarantee of future results.

JPMCB Stable Asset Income Fund*
Class F
September 30, 2012
OVERALL RISK LEVEL:
Conservative Moderate Aggressive
1 2 3 4 5
KEY FUND STATISTICS
Fund Size:
$1,677.36 million
Inception Date: October 31, 1986
Blended Yield (Gross of fees): 1.94%
Average Portfolio Quality: AA+
Duration:
2.73 yrs
Market-to-Book-Value-Ratio¹: 101.99%
FUND COMPOSITION:
The JPMCB Stable Asset Income Fund seeks to provide
capital preservation, liquidity, and current income at levels
that are typically higher than those provided by money
market funds.
Investment Strategy
The JPMCB Stable Asset Income Fund (“SAIF”) is primarily comprised of
investment contracts called benefit responsive wraps ("wrap contracts") that are
issued by banks and insurance companies. The wrap contracts help to stabilize
the value and returns of the fund. These contracts are backed by fixed income
portfolios that primarily consist of U.S. Treasury, Agency, Investment Grade
Corporates, Mortgage-Backed and Asset-Backed Securities.
WRAPPED PORTFOLIO ALLOCATIONS
SECTOR ALLOCATION
% OF MARKET VALUE
CONTRACT DIVERSIFICATION
Liquidity
5%
Prudential
18%
MetLife
17%
ING
20%
AIG
20%
AEGON
20%
PORTFOLIOS ALLOCATION
Liquidity
Prudential 5%
Fixed
Income
18%
JPMorgan
77%
CMBS
5.9%
Private Mortgages 3.5%
Agency MBS
34.0%
ABS 0.6%
Investment Grade Credit
22.4%
Agency Debt 3.2%
Treasury/Cash
30.3%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Synthetic Wrap ³
Separate Account Wrap ³
JPMorgan Liquidity
Wrap Fees 4 :
JPMorgan Managed Bonds
Sub-Advised Bonds
JPMorgan Liquidity
20.3 bps
FUND EXPENSES**:
Per
Exp. Ratio $1,000
Management Fees 0.30% $3.00
Service Fees 0.00% $0.00
Other Expenses 0.01% $0.10
Current Expense Ratio 0.31% $3.10
AA
QUALITY ALLOCATION
% OF MARKET VALUE
BBB
A
BB

JPMCB Stable Asset Income Fund*
Class F
September 30, 2012
INVESTMENT PERFORMANCE (%)
Trailing
4%
4%
3%
3%
2%
2%
1%
1%
0%
Stable Asset Income Fund (Net of Fees)
Citigroup 3-Month T-Bill Index
Quarter 1 Year 3 Years 5 Years 10 Years
Stable Asset Income Fund (Net of Fees) 0.38% 1.67% 1.94% 2.69% 3.57%
Citigroup 3-Month T-Bill Index 0.02% 0.05% 0.09% 0.64% 1.73%
Excess Return 0.36% 1.62% 1.84% 2.05% 1.84%
Past performance is not indicative of comparable future returns. Total return assumes the reinvestment of income.
Inception date of the Class F is 8/1/2006. Prior return data is calculated using the Investment Class return, less the Class F fee of 30 bps. Performance for
time periods greater than one year are annualized
CALENDAR YEAR PERFORMANCE (%)
Annual
6%
5%
4%
3%
2%
1%
0%
Stable Asset Income Fund (Net of Fees)
Citigroup 3-Month T-Bill Index
2011 2010 2009 2008 2007 2006 2005 2004
Stable Asset Income Fund (Net of Fees) 2.00% 2.12% 2.08% 4.77% 5.12% 5.00% 4.70% 3.60%
Citigroup 3-Month T-Bill Index 0.08% 0.13% 0.16% 1.80% 4.74% 4.76% 3.00% 1.24%
Excess Return 1.93% 1.98% 1.92% 2.98% 0.38% 0.24% 1.70% 2.36%
Past performance is not indicative of comparable future returns. Total return assumes the reinvestment of income.
*The Commingled Pension Trust Fund (Stable Asset Income) of JPMorgan Chase Bank N.A. is a collective trust fund established and maintained by JPMorgan Chase Bank, N.A. under a
declaration of trust. The fund is not required to file a prospectus or registration statement with the SEC, and accordingly, neither is available. The fund is available only to certain qualified
retirement plans and governmental plans and is not offered to the general public. Units of the fund are not bank deposits and are not insured or guaranteed by any bank, government entity,
the FDIC or any other type of deposit insurance. You should carefully consider the investment objectives, risk, charges, and expenses of the fund before investing.
This information is for educational purposes only and is not intended as investment advice or investment recommendation; you are ultimately responsible for your own investment decisions.
Risks associated with the JPMCB Stable Asset Income Fund include the following:
Credit risk: The risk that the wrap contracts will not absorb losses in the event of certain credit downgrades of default by issuers of underlying securities. Interest-rate risk: The risk that
increases in interest rates may decrease the value of debt securities held by the fund. This risk is mitigated by the wrap contracts. There is also the risk that when interest rates are re-set,
typically on a quarterly basis, the new rate will be less than the prevailing market rate, in order to amortize past losses occasioned by book value payments to withdrawing participants.
Inflation Risk: The risk that the guaranteed rate of return won't keep up with inflation. Wrap Risk: Participants will be subject to general market value risk associated with any bond fund, and
thus may lose money if the fund cannot enter into wrap contracts that will cover all its assets, the risk that the wrap provider cannot meet its obligations, or the risk that the wrap contract will
not cover certain employer -initiated or corporate events that result in mass withdrawals from the fund (such as early retirement programs, layoffs, divestitures, bankruptcy, etc.). Plan
Termination Risk: Plans terminating from SAIF are paid at either book or market value, whichever is lower. This has no impact on participant-elected withdrawals, which always are made at
book value.
Past performance is not a guarantee of and may not be indicative of future results. Investment returns and principal value of an investment will fluctuate so that the value of an investor’s
units when redeemed may be worth more or less than original cost or the performance quoted. Current performance may be higher or lower than the performance data shown.
J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. Those businesses include, but are not limited to, JPMorgan Chase
Bank, N.A., J.P. Morgan Investment Management Inc., Security Capital Research & Management Incorporated and J.P. Morgan Alternative Asset Management Inc.
270 Park Avenue, New York, NY 10017
© 2012 JPMorgan Chase & Co.