* An account may earn more, may earn less, or may incur a loss. Final account balances are prior to any distributions, fees, and taxes which would lower the ending balance. Taxes may be due upon distribution. You may be subject to a 10% penalty if you withdraw prior to age 59 1/2;. Automatic investment plans cannot guarantee a profit or protect against a loss in a declining market. An automatic investment plan is a long-term strategy that involves continuous investing, regardless of fluctuating price levels, and, as a result, you should consider your financial ability to continue to invest during periods of fluctuating price levels.