- Asset allocation models are based on generally accepted investment theories that take into account the historic returns of different asset classes (e.g, equities, bonds or cash) over defined periods of time. All material facts and assumptions on which such models are based (e.g., retirement ages, life expectancies, income levels, financial resources, replacement income ratios, inflation rates, and rates of return) accompany the models. To the extent that the information provided concerns investment alternatives available under the Plan, the information provided is without reference to the appropriateness of any individual investment option for any particular participant or beneficiary under the Plan. Of course, other investment alternatives having similar risk and return characteristics may be available under the Plan. These investment alternatives may be obtained by contacting your Plan Administrator. In applying particular asset allocations to your individual situation, you should consider your other assets, income and investments (e.g., equity in a home, IRA investments, savings and interests in other qualified and non-qualified plans) in addition to your interest in the Plan.