The Income Explorer Blended benchmark is comprised of 60% MSCI All Country World Index (MSCI ACWI) and 40% Barclays Capital U.S. Aggregate Bond Index.  The MSCI ACWI is a free float-adjusted market capitalization index designed to measure the equity market performance of 45 global developed and emerging markets.  The Barclays Capital U.S. Aggregate Bond Index represents securities that are U.S. domestic, taxable and dollar denominated. The index covers components for government and corporate securities, mortgage pass-through securities and asset-backed securities. Please note that an investor cannot invest directly in an index.