Rebalance

Keeping your balance

Rebalance

2

Adjust your portfolio to keep it in tuneMaking regular adjustments to your investments can help keep them attuned with your financial goals.

Rebalance

3

You smooth out investment

returns.

You take a new look at all of the investment

options

You take profits to invest in

underperforming funds that may

have merit

Why rebalancing may be a good idea

Source: http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2011/03/15/why-rebalancing-your-portfolio-is-important, accessed 02/07/2013

Rebalance

4

Do it yourself

Nationwide Investor

Destinations®

NationwideTarget

Destinations®

NationwideProAccount®

How to Rebalance

Confident choosing and managing

Want professional asset allocation

Want automatic re-balancing

Want to hire experts to actively manage

your investments

Investing involves market risk.

The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market.

üüü

üü

üüü

ü

Investment advice for Nationwide ProAccount is provided to Nationwide ProAccount plan participants by Nationwide Investment Advisors, LLC, an SEC registered investment adviser.

Wilshire Associates Incorporated is not an affiliate of Nationwide or Nationwide Investment Advisors, LLC (NIA). NIA has retained Wilshire as an Independent Financial Expert for the Nationwide ProAccount portfolios. While NIA is the investment adviser, Wilshire has discretion over all investment decisions. NIA will exercise discretionary authority to allocate and rebalance a Nationwide ProAccount client’s account to implement the individualized advice generated by Wilshire.

Investor Destination funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the portfolio, you are indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds.

Target Maturity Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Maturity Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds.

Target Maturity Funds are designed for people who plan to withdrawal funds during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time. As a result, the funds become more conservative as they approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market. A target-date fund’s principal value is not guaranteed at any time, including the target date designated in the fund’s name.

Neither Nationwide® nor any of its representatives give legal or tax advice.

Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.

Nationwide Retirement Solutions, Inc. and Nationwide Life Insurance Company (collectively "Nationwide") have endorsement relationships with the National Association of Counties and the International Association of Firefighters-Financial Corporation. More information about the endorsement relationships may be found online at www.nrsforu.com.

Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. For more detail about the payments Nationwide receives, please visit www.nrsforu.com.

Retirement Specialists are registered representatives of Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation.

Nationwide, the Nationwide framemark, and On Your Side are service marks of Nationwide Mutual Insurance Company.

©2013 Nationwide Retirement Solutions Inc. All rights reserved.

NRM-6600AO.6 (02/13)