• Introduction
• General Information to Consider
  • Why Make Contributions To SBERA
  • When May I Change My Investment Allocation
  • How Often Will I Receive Information On My Account
  • How Are Contributions Made To SBERA
  • What Is The Advantage Of Dollar Cost Averaging
  • Proxy Voting By Investment Managers
  • Selecting The Options That Are Best For You
  • Risk Tolerance

• A Brief Overview of SBERA’s Accounts
• Glossary of Investment Terms
• Equity Account
• Index 500 Account
• Small Cap Growth Account
• International Equity Account
• Money Market Account
• Bond Account
• Small Cap Value
• Large Cap Value Account
• All Asset Account
• LifePath Accounts
• Large Cap Growth Account
• SBERA Account

• Plan Administrator’s Summary