You need a diversified portfolio -- stocks, bonds, cash and more -- to help protect your assets from the market's ups and
E*TRADE offers a full range of investment choices, and online tools to help you manage them yourself. Or let our professionals
help. There's no charge. And because we don't have our own funds to promote, our guidance is always objective.3
Andrew Miller Financial Consultant
Michael Montaldo Financial Consultant
Simplify Your Asset Allocation2
Make sure you have investments that work for your future goals and your life stage right now. Use our online tools or give
us a call for help.
Investment Products: • Not FDIC Insured • No Bank Guarantee • May Lose Value
The fund's prospectus contains its investment objectives, risks, charges, expenses and other important information and should
be read and considered carefully before investing. For a current prospectus, visit www.etrade.com/mutualfunds or visit the Exchange-Traded Funds Center at www.etrade.com/etf.
E*TRADE credits and offers may be subject to U.S. withholding taxes and reporting at retail value. Taxes related to these
credits and offers are the customer's responsibility.
Offer valid for one new E*TRADE Securities Retirement account opened by 12/31/2014 and funded within 60 days of account opening with at least $10,000. Other restrictions may apply.
You will receive up to 500 free trade commissions for each stock or options trade executed within 60 days of the deposited
funds being made available for investment in the new account (excluding options contract fees). You will pay $9.99 for your
first 149 stock or options trades and $7.99 thereafter up to 500 stock or options trades (plus 75¢ per options contract).
Your account will be credited for trades within a week. Account must be funded within 60 days of account open.
Credits for cash or securities will be made based on deposits or transfers of new funds or securities from external accounts
made within 45 days of account open, as follows: $1,000,000 or more will receive $2,500, $500,000 - $999,999 will receive
$1,200; $250,000 - $499,999 will receive $600; $100,000-$249,999 will receive $300; $25,000-$99,999 will receive $200. Your
account will be credited within one week of the close of the 45-day window.
You will not receive cash compensation for any unused free trade commissions. Excludes current E*TRADE Financial Corporation
associates, and non-U.S. residents. This offer is not valid for business, Custodial, Estate, LLC, Sole Proprietorship, Unincorporated
Organization or E*TRADE Bank accounts. New funds or securities must remain in the account (minus any trading losses) for a
minimum of six months or the credit may be surrendered. One promotion per customer. E*TRADE Securities reserves the right
to terminate this offer at any time. Consult your tax professional regarding limits on depositing and rolling over qualified
Diversification and Asset Allocation do not ensure profit or protect against loss in declining markets. Investors should
assess their own investment needs based on their own financial circumstances and investment objectives.
Investment recommendations are provided by representatives from E*TRADE Securities LLC, a broker-dealer member of FINRA. Portfolio
management services are provided by E*TRADE Capital Management, LLC, an investment adviser registered with the SEC. To help
determine which guidance option may be right for you, please visit etrade.com/guidance for additional information about account minimums, commissions, fees, etc.
Target date funds may not be designed exclusively for retirement and should not be considered a complete investment program.
The target date is the approximate date investors plan to start withdrawing their money, the further the target date, the
more aggressive the target date fund. Investment objectives and strategies of a fund may change over time and there may be
adjustments among asset classes as the target date approaches. The principal value of a target date fund will fluctuate and
is not guaranteed at any time, including at the target date.
The All-Star List is a quarterly list of leading Mutual Funds and ETFs selected by E*TRADE Capital Management, LLC. Funds
List are selected from the no load mutual funds offered through E*TRADE Securities.
All-Star Funds typically have at least a three year track record and compare favorably against their peers based on historical
return, risk, expenses, manager tenure, performance and style consistency, asset size and growth and must be 1) structured
through sound investment philosophy and process, 2) implemented with acceptable level of investment risk management strategy
and 3 ) supported by a well balanced investment firm. To view the fund's Report Card with additional performance metrics,
including standardized quarterly results, please click on the fund name.
New accounts will receive a free 30 day trial of Credit Suisse Research. After 30 day trial, Credit Suisse Research will
only be available to customers who maintain a minimum of $100,000 or more in combined assets in E*TRADE Securities accounts
(or in combined E*TRADE Securities and E*TRADE Bank accounts), provided, however, that such research may not be available
to certain customers whose employers utilize E*TRADE Securities' Designated Brokerage services and certain Stock Plan customers.
The Online Portfolio Advisor tool offers investment solutions that include pre-designed portfolios from E*TRADE Securities
that are not monitored, rebalanced or otherwise managed by E*TRADE Securities or its affiliates and professionally managed
portfolios from E*TRADE Capital Management.
Full portfolio management and advisory services are offered through E*TRADE Capital Management LLC, an investment adviser
registered with the Securities and Exchange Commission. Upon request, we will send you a free copy of E*TRADE Capital Management's
Form ADV Part 2A, which describes, among other things, affiliations, services offered and fees charged.
E*TRADE Securities and E*TRADE Capital Management are separate but affiliated companies.
PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC.
System response and account access times may vary due to a variety of factors, including trading volumes, market conditions,
system performance, and other factors.