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For Internal Use Only / Not for Distribution to the Public Not FDIC Insured | May Lose Value | No Bank Guarantee.

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Presentation on theme: "For Internal Use Only / Not for Distribution to the Public Not FDIC Insured | May Lose Value | No Bank Guarantee."— Presentation transcript:

1 For Internal Use Only / Not for Distribution to the Public Not FDIC Insured | May Lose Value | No Bank Guarantee

2 Franklin Templeton Investments 2 As of 12/31/15. 1. Investment professionals include portfolio managers, portfolio managers/analysts, research analysts and traders of Franklin, Templeton, Franklin Mutual Series, and subsidiary investment management groups. Franklin Templeton Investments is a global leader in asset management serving clients in over 150 countries 65 + Years of Asset Management Experience $763.9B + Total Assets Under Management 650 + Investment Professionals 1 35 Countries with Offices

3 For Internal Use Only / Not for Distribution to the Public THE SIMPLE WAY TO INVEST Franklin NextStep Funds ™

4 Simplicity All-in-one portfolios matched to three levels of risk Diversification A broad mix of funds invested across fund managers, asset classes and countries Expertise Professionally managed to navigate the ups and downs of the market 4 Franklin NextStep Funds Diversification does not guarantee a profit or protect against a loss.

5 Simplicity All-In-One Portfolios Matched to the Client 5 1. Alternative investments include less traditional asset classes such as real estate, commodities and hedge strategies. Performance and market movement of alternative investments do not typically follow stocks and bonds. Franklin NextStep Conservative Fund Franklin NextStep Moderate Fund Franklin NextStep Growth Fund Stock FundsBond FundsAlternative Investments Funds ¹ Potential Return HIGHER Relative Risk HIGHERLOWER Fund allocations are provided for illustrative purposes only. There is no guarantee that the Franklin NextStep Funds will be allocated in a similar manner.

6 Diversification One Fund—Many Fund Managers, Asset Classes & Countries 6 1. Alternative Investment Funds are included in the Franklin NextStep Moderate Fund and the Franklin NextStep Growth Fund. One FundAccess to Top Tier Investment Managers Non-Franklin Templeton Mutual Funds and Exchange Traded Funds Franklin Templeton Mutual Funds and Exchange Traded Funds FUND Broadly Diversified Stocks Alternative Investments 1 Bonds Invested Globally North America Emerging Markets Asia Europe FUNDFUND MANAGERS ASSET CLASSES COUNTRIES Diversification does not guarantee a profit or protect against a loss.

7 Expertise Continuously Managed for Opportunities and Risks 7 ConservativeModerateGrowth Franklin NextStep Funds Target Allocations Stock Funds 25%60%75% Bond Funds 75%40%25% Alternative Investment Funds — —— Bull Market: Opportunities in the Market Stock Funds 30%65%80% Bond Funds 70%35%20% Alternative Investment Funds — 0-5%0-10% Bear Market: Risks in the Market Stock Funds 10%45%60% Bond Funds 90%55%40% Alternative Investment Funds — 0-5%0-10% Allocation Ranges Stock Funds 10–30%45–65%60–80% Bond Funds 70–90%35–55%20–40% Alternative Investment Funds — 0-5%0-10%

8 Benefits to the Investor 8 World-Class Investment Management Broadly Diversified with Access to Top Tier Managers An All-In-One Portfolio Matched to Investors Based on Risk and Goals Continuously Managed to Align with Fund Objectives

9 Benefits to the Investor 9 Choose the Simple Way to Invest with Franklin NextStep Funds

10 While an asset allocation plan can be a valuable tool to help reduce overall volatility, all investments involve risks, including possible loss of principal. Because these funds invest in underlying funds, which may engage in a variety of investment strategies involving certain risks, the Franklin NextStep Funds are subject to those same risks. In addition, shareholders of the NextStep Funds will indirectly bear the fees and expenses of the underlying funds. The risks described herein are the principal risks of the Franklin NextStep Funds and the underlying funds. Typically, the more aggressive the investment, or the greater the potential return, the more risk involved. Generally, investors should be comfortable with some fluctuation in the value of their investments, especially over the short term. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. Bond prices generally move in the opposite direction of interest rates. Thus, as the prices of bonds in a fund adjust to a rise in interest rates, that fund’s share price may decline. Foreign investing carries additional risks such as currency and market volatility and political or social instability; risks which are heightened in developing countries. Investments in derivatives involve costs and create economic leverage, which may result in significant volatility and cause the funds to participate in losses (as well as gains) that significantly exceed the funds’ initial investment. These risks are described in the funds’ prospectus. Investors should consult their financial advisor for help selecting the appropriate fund of funds, or fund combination, based on an evaluation of their investment objectives and risk tolerance. A Few More Words About Asset Allocation 10

11 © 2016 Franklin Templeton Investments. Franklin Templeton Distributors, Inc. One Franklin Parkway San Mateo, California 94403-1906 nextstepfunds.com Investors should carefully consider a fund’s investment goals, risks, charges and expenses before investing. To obtain a summary prospectus and/or prospectus, which contains this and other information, talk to your financial advisor, call us at (800) DIAL BEN/342-5236 or visit nextstepfunds.com. Please carefully read a prospectus before you invest or send money. See franklintempletondatasources.com for additional data provider information. NS PPT 02/16


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