TOTAL RETURN PERFORMANCE DATA FOR
MUTUAL OF AMERICA Separate Account No. 2
INVESTMENT FUND  DATE OF INCEPTION 1 YEAR TO DATE
AS OF
05/27/2016
PRIOR 3 MONTHS AS OF 4/30/2016 AVERAGE ANNUAL RETURNS FOR YEARS
ENDED 4/30/2016
1 YEAR 3 YEARS 5 YEARS 10 YEARS*
Equity Funds
Mutual of America Equity Index Fund 2/5/1993 3.03% 6.70% -0.16% 9.75% 9.51% 5.54%  
Mutual of America All America Fund 2 1/1/1985 1.99% 6.54% -2.65% 8.59% 7.91% 5.02%  
Mutual of America Mid-Cap Equity Index Fund 5/3/1999 6.73% 11.00% -2.36% 8.18% 7.71% 6.37%  
Mutual of America Small Cap Value Fund 7/1/2005 2.32% 6.72% -5.14% 5.26% 4.95% 4.84%  
Mutual of America Small Cap Growth Fund 7/1/2005 -1.71% 6.76% -9.71% 6.59% 3.85% 4.42%  
Mutual of America Mid Cap Value Fund 7/1/2005 2.83% 9.01% -3.41% 7.53% 6.10% 4.15%  
Mutual of America International Fund 11/5/2007 -0.43% 5.33% -10.28% -0.18% 0.11% -2.07%  
Fidelity® VIP Equity-Income Portfolio 3 5/1/1995 4.76% 9.04% -3.50% 5.92% 7.30% 3.80%  
Fidelity® VIP Contrafund® Portfolio 3 5/1/1995 1.05% 6.94% -3.29% 9.21% 7.72% 5.45%  
Fidelity® VIP Mid Cap Portfolio 3 7/1/2005 3.07% 9.01% -4.87% 8.08% 5.49% 5.44%  
Vanguard VIF Diversified Value Portfolio 7/1/2005 4.37% 8.25% -1.57% 7.20% 8.34% 4.90%  
Vanguard VIF International Portfolio 4 7/1/2005 -0.89% 8.00% -11.15% 1.54% 0.51% 2.25%  
Deutsche Variable Series I Capital Growth VIP 1/3/1989 -1.89% 2.94% -2.32% 11.83% 9.08% 6.35%  
Oppenheimer Main Street Fund®/VA 7/1/2005 3.25% 6.76% 1.66% 10.49% 9.82% 5.24%  
American Century VP Capital Appreciation Fund 3 1/3/1989 0.05% 6.63% -6.84% 7.65% 5.86% 7.34%  
American Funds Insurance Series® New World Fund 8/5/2013 -0.29% 7.21% -8.08% N/A N/A -1.88%  
T. Rowe Price Blue Chip Growth Portfolio 3 8/5/2013 -3.78% 3.01% -1.80% N/A N/A 9.51%  
 
Fixed Income Funds
Mutual of America Bond Fund 1/1/1985 3.54% 2.82% 1.31% 1.39% 2.86% 4.20%  
Mutual of America Money Market Fund
7-day current yield as of 05/17/16 was -1.12%**
1/1/1985 -0.51% -0.27% -1.25% -1.32% -1.35% -0.13%  
Mutual of America Mid-Term Bond Fund 2/5/1993 2.40% 2.12% 0.85% 0.48% 1.64% 3.58%  
PIMCO VIT Real Return Portfolio 3 8/5/2013 3.06% 3.02% -1.50% N/A N/A -0.18%  
 
Real Estate Investment Trust (REIT)
Vanguard VIF REIT Index Portfolio 8/5/2013 5.52% 6.95% 6.31% N/A N/A 9.57%  
 
Balanced Funds
Mutual of America Composite Fund 1/1/1985 2.30% 4.37% -0.89% 5.84% 6.01% 4.59%  
Fidelity® VIP Asset Manager Portfolio 3 5/1/1995 -0.03% 4.65% -4.34% 3.95% 3.68% 4.33%  
Calvert VP SRI Balanced Portfolio 5 5/13/1991 3.03% 5.53% -3.00% 5.64% 5.74% 3.55%  
 
Asset Allocation Funds
Mutual of America Conservative Allocation Fund 6 5/20/2003 2.98% 4.00% -0.04% 3.09% 4.10% 4.44%  
Mutual of America Moderate Allocation Fund 6 5/20/2003 3.28% 5.38% -1.10% 4.86% 5.66% 5.11%  
Mutual of America Aggressive Allocation Fund 6 5/20/2003 3.11% 6.49% -2.62% 6.11% 6.59% 5.30%  
 
Retirement Funds
Mutual of America Retirement Income Fund 11/5/2007 2.96% 3.49% 0.49% 3.11% 3.81% 3.92%  
Mutual of America 2010 Retirement Fund 11/5/2007 2.98% 4.10% -0.04% 4.05% 4.50% 3.95%  
Mutual of America 2015 Retirement Fund 11/5/2007 3.08% 4.69% -0.58% 4.65% 4.88% 3.91%  
Mutual of America 2020 Retirement Fund 11/5/2007 3.02% 5.18% -1.15% 5.14% 5.30% 3.97%  
Mutual of America 2025 Retirement Fund 11/5/2007 3.14% 5.94% -1.65% 5.85% 5.83% 4.12%  
Mutual of America 2030 Retirement Fund 11/5/2007 3.16% 6.35% -1.98% 6.37% 6.21% 4.34%  
Mutual of America 2035 Retirement Fund 11/5/2007 3.13% 6.71% -2.49% 6.60% 6.32% 4.14%  
Mutual of America 2040 Retirement Fund 11/5/2007 3.00% 6.95% -3.10% 6.52% 6.19% 4.19%  
Mutual of America 2045 Retirement Fund 11/5/2007 2.83% 6.96% -3.43% 6.44% 6.07% 4.08%  
Mutual of America 2050 Retirement Fund 10/1/2012 2.74% 7.01% -3.66% 6.40% N/A 8.80%  
 

* Or since inception if the Fund has been in existence for less than 10 years.
** Please note that the current yield quotation more closely reflects the current earnings of the Money Market Fund than the total return performance data.

The performance data shown represent past performance, which is not a guarantee of future results. Investment returns and unit values will fluctuate so that units, when redeemed, may be worth more or less than their original cost. Investment Fund total return performance currently may be lower or higher than the figures stated above.

The total return performance data are based on a hypothetical investment of $1,000, which is redeemed at the end of the periods shown. The total return figures reflect the reinvestment of investment income and capital gains and losses, and are net of expenses which include a contract fee, an expense risk fee, administrative charges, a distribution expense charge and Underlying Funds fees and expenses.

Before investing in our variable annuity contracts, you should consider the investment objectives, risks, charges and expenses (a contract fee, Separate Account expenses and Underlying Funds expenses) carefully. This and other information is contained in the contract prospectus or brochure and Underlying Funds prospectuses. Please read the prospectuses and brochure carefully before investing. The prospectuses and brochure can be obtained by mail or by calling 1-800-468-3785.

Money Market risk: You could lose money by investing in the Fund. Because the share price of the Fund will fluctuate, when you sell your shares they may be worth more or less than what you originally paid for them. The Fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the Fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the Fund is not a deposit of a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.

The total return figures for periods extending beyond a year are average rates of return and do not reflect the Funds' actual year-to-year results, which varied over the periods shown. Contributions or withdrawals made within a period would experience different rates of return based on the unit values on the dates of such transactions.

1 Date of Inception shown for an Investment Fund is the date the Underlying Fund became available to the Separate Account. An Underlying Fund may have begun operations at an earlier date.

2 The All America Fund adopted its current asset allocation effective May 1, 2014.

3 The transfer agent and distributor for the Fidelity VIP Portfolios and the investment advisers for the American Century VP Capital Appreciation Fund, the PIMCO Variable Insurance Trust Real Return Portfolio, and the T. Rowe Price Blue Chip Growth Portfolio reimburse Mutual of America Life Insurance Company for certain administrative expenses or services Mutual of America provides. We pass these reimbursements on to our contractholders, and as such, the Separate Account expenses for the corresponding Separate Account Funds are reduced to the extent Mutual of America receives such reimbursements. Without such reimbursements, the performance returns of the corresponding Separate Account Funds would have been lower. Please refer to the prospectuses of these Underlying Funds for more information on such expense reimbursements.

4 Vanguard added an additional subadviser to its International Fund on March 1, 2008, supplementing the two that were in place already.

5 Effective September 11, 2013, the subadviser was terminated and the adviser assumed responsibility for the day-to-day management of the equity securities of the Calvert VP SRI Balanced Portfolio.

6 The Allocation Funds adopted their current asset allocation effective May 1, 2014.

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