* This illustration is a hypothetical example, based upon an assumption of a $5,000 contribution per year in monthly increments with an average annual 6% rate of return, compounded monthly. The illustration demonstrates the principle of time and compounding. It is not intended to predict or project the investment results of any specific investment. Investment returns are not guaranteed and will vary depending on investments and market experience. If fees, taxes, and expenses were reflected, the hypothetical returns would be less.