Question :
I’m not seeing dividends and capital gains from my fund posted to my account. How are those being applied to my retirement investment account?

Answer :
Several investment funds use a unitized accounting method. Unitized accounting allows the fund management and performance to remain the same, but charge lower than normal fees for participation in that fund. Dividends and capital gains are added to the overall value of the investment and are reflected as an increase in the investment’s daily unitized price. You will not see an explicit dividend or capital gain entry on your account statement.

Currently, the funds that use the unitized accounting method are:

• Artisan U.S. Mid-Cap Growth Strategy Fund
• BlackRock Emerging Markets Index
• BlackRock Government Short-Term Investment Fund
• BlackRock SmallCap 600 Equity Index
• Jennison Large Cap Growth Equity
• Stable Value Fund
• State Street Bond Market Index
• State Street Global All Cap Equity ex-US Index
• State Street S&P 500 Index
• State Street S&P Midcap Index
• T. Rowe Price Mid-Cap Value Fund
• Virtus Ceredex Small-Cap Value Equity I