Fund Prospectus'

Portfolios:

CWGFX

• PROSPECTUS

RFDI

• PROSPECTUS

OIGYX

• PROSPECTUS

SPY

• PROSPECTUS

MFEIX

• PROSPECTUS

FUNYX

• PROSPECTUS

Moderate Growth:

SPY

• PROSPECTUS

RFDI

• PROSPECTUS

MDIJX

• PROSPECTUS

JNBSX

• PROSPECTUS

IWM

• PROSPECTUS

CIBFX

• PROSPECTUS

Growth and Income: