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Funds for Every Investment Style

Lincoln DirectorSM offers investment choices that meet a variety of investing needs and styles. The range of investments available gives employees an opportunity to diversify and helps employers meet fiduciary requirements under ERISA 404 (c). The availability of the investments listed below is based on the plan-specific lineup selected.

  • Domestic Equity
    These investment options focus on stocks primarily of United States companies. Typical investments include purchasing equity shares of corporations that are incorporated in the U.S.
  • Fixed Income
    Such options generally try to maximize current income while maintaining stability of principal. Strategies often invest in securities that pay a fixed rate of return or fixed dividend. This usually refers to securities such as bonds, money market instruments or preferred stock issued by U.S. governments, state and local governments, publicly held companies, banks and savings and loans.
  • International/Global Equity
    Such investment options often emphasize investments in stocks of multinational or global companies. The focus includes opportunities based on assets located outside the United States, including emerging markets.
  • Other
    Other categories of funds that seeks both growth and income, with stability of principal, through portfolios that includes stocks, bonds, and cash instruments. Investors can select from a series of investment options based on their general comfort level for risk.
Domestic Equity
AllianceBernstein VPS Small/Mid Cap Value 2 SA #39
American Funds AMCAP Fund® SA #1A
American Funds American Mutual Fund® SA #1D
American Funds Fundamental InvestorsSM SA #1J
American Funds Growth Fund of America® SA #1K
American Funds Investment Company of America® SA #1N
American Funds New Economy Fund® SA #1P
American Funds Washington Mutual Investors FundSM SA #1U
BlackRock Capital Appreciation SA #81
BlackRock Equity Dividend SA #LF
BlackRock Large Cap Growth SA #LG
BlackRock Flexible Equity 2 SA #83
ColumbiaSMAcorn 2 SA #17
Delaware Small Cap Core 2, 16 SA #2C
Delaware VIP®Small Cap Value 2, 16 SA #56
Delaware VIP®Value 16 SA #61
DFA U.S. Small Cap  2 SA #4G
DFA U.S. Targeted Value  2 SA #4H
Dreyfus Opportunistic Midcap Value  2 SA #4B
Fidelity Advisor®New Insights® SA #4A
Fidelity®VIP Contrafund® SA #35
Fidelity®VIP Mid Cap 2 SA #84
Franklin Growth SA #58
Franklin Small Cap Growth 2 SA #4E
Franklin Mutual Shares VIP SA #2J
Invesco American Value SA #4C
Invesco Growth and Income SA #28
Invesco Small Cap Discovery 2 SA #76
Janus Aspen Enterprise 2 SA #64
LVIP Baron Growth Opportunities 2 SA #1X
LVIP Delaware Growth and Income  16 SA #11
LVIP Delaware Social Awareness 16 SA #33
LVIP Delaware Special Opportunities 2, 16 SA #L7
LVIP Dimensional U.S. Equity RPM  10 SA #57
LVIP SSgA S & P 500 Index 3, 11 SA #27
LVIP SSgA Small-Cap Index 2, 3 SA #36
LVIP Vanguard Domestic Equity ETF 10, 13 SA #19
MFS®New Discovery  2 SA #4F
MFS®VIT Growth SA #65
MFS®VIT Utilities 4 SA #67
SSgA Russell All Cap Index Non-Lending Series 2, 3, 12
SA #23
SSgA Russell Large Cap Growth®Index Non-Lending Series 3, 12 SA #L9
SSgA Russell Large Cap Value®Index Non-Lending Series 3, 12 SA #L8
SSgA Russell Small Cap Growth Index Non-Lending Series 2, 3, 12 SA #LC
SSgA Russell Small Cap Value Index Non-Lending Series 2, 3, 12 SA #LB
SSgA Russell Small/Mid Cap Index Non-Lending Series 2, 3, 12 SA #24
SSgA S&P MidCap®Index Non-Lending Series 2, 3, 12 SA #LA
Wells Fargo Advantage®Discovery 2 SA #63
Wells Fargo Advantage Special Mid Cap Value  2 SA #4D
Fixed Income
American Century Investments®Inflation Adjusted Bond  5 SA #5D
American Funds American High-Income TrustSM 7 SA #1C
American Funds Bond Fund of AmericaSM 5 SA #1E
American Funds Capital World Bond Fund® 1, 5 SA #1G
American Funds Intermediate Bond Fund of America® 5 SA #1M
American Funds U.S. Government Securities FundSM 5 SA #1T
Delaware VIP®Diversified Income 5, 16 SA #93
Delaware VIP®Limited-Term Diversified Income 5, 16 SA #87
Eaton Vance Income Fund of Boston 7 SA #5F
Federated Government Ultrashort Duration  5 SA #14/4X
Franklin High Income 7 SA #20
Templeton Global Bond VIP 1, 5 SA #86
Guaranteed Account/Guaranteed Stable Value Account
JPMorgan Core Bond  5 SA #4Z
JPMorgan Core Plus Bond  5 SA #5A
LVIP BlackRock Inflation Protected Bond5 SA #92
LVIP Delaware Bond 5, 16 SA #12
LVIP SSgA Bond Index 3, 5 SA #L6
PIMCO Foreign Bond (U.S. Dollar-Hedged) 1, 5 SA #5G
PIMCO Income 5 SA #5C
PIMCO Real Return  5 SA #5E
PIMCO Short-Term  5 SA #4Y
PIMCO Total Return 5 SA #LM
T. Rowe Price New Income 5 SA #5B
International/Global Equity
AllianzGI NFJ International Value  1 SA #4N
American Funds Capital World Growth and Income FundSM 1 SA #1H
American Funds EuroPacific Growth Fund® 1 SA #1I
American Funds New Perspective Fund® 1 SA #1Q
American Funds New World Fund® 1, 2, 9 SA #1R
American Funds SMALLCAP World Fund® 1, 2 SA #1S
BlackRock Energy & Resources 4 SA #77
Delaware Emerging Markets 1, 9, 16 SA #4Q
LVIP Mondrian International Value 1 SA #22
LVIP SSgA International Index 1, 3, 15 SA #L5
LVIP Templeton Growth RPM 1, 18 SA #62
LVIP Vanguard International Equity ETF 1, 10, 13 SA #59
MFS®Global Equity 1 SA #4R
MFS®International Growth 1 SA #4J
MFS®International Value 1 SA #4P
MFS®Research International 1 SA #4M
Oppenheimer Developing Markets 1, 9 SA #94
Oppenheimer International Growth 1 SA #4L
Other/Target Date Funds
American Funds 2010 Target Date Retirement Fund® 10, 14 SA #5H
American Funds 2020 Target Date Retirement Fund® 10, 14 SA #5J
American Funds 2030 Target Date Retirement Fund® 10, 14 SA #5K
American Funds 2040 Target Date Retirement Fund® 10, 14 SA #5L
American Funds 2050 Target Date Retirement Fund® 10, 14 SA #5M
LVIP Delaware Foundation®Aggressive Allocation 6, 16 SA #97
LVIP Delaware Foundation®Conservative Allocation 6, 16 SA #95
LVIP Delaware Foundation®Moderate Allocation 6, 16 SA #96
LVIP Managed Risk Profile 2010 10, 14, 17 SA #L1
LVIP Managed Risk Profile 2020 10, 14, 17 SA #L2
LVIP Managed Risk Profile 2030 10, 14, 17 SA #L3
LVIP Managed Risk Profile 2040 10,14,17 SA #L4
LVIP Managed Risk Profile 2050 10,14,17 SA #LL
Vanguard Target Retirement 2010 10, 14 SA #V1
Vanguard Target Retirement 2020 10, 14 SA #V2
Vanguard Target Retirement 2030 10, 14 SA #V3
Vanguard Target Retirement 2040 10, 14 SA #V4
Vanguard Target Retirement 2050 10, 14 SA #V5
Other/Balanced Funds
American Funds American Balanced Fund® 6 SA #1B
American Funds Capital Income Builder® 6 SA #1F
American Funds Income Fund of America® 5 SA #1L
BlackRock Global Allocation 1, 6 SA #LE
Franklin Balanced6 SA #2R
Franklin Income VIP6 SA #2I
SSgA Real Asset Non-Lending Series 4, 12 SA #LD
Vanguard LifeStrategy® Conservative Growth6, 10 SA #30
Vanguard LifeStrategy® Growth 6, 10 SA #32
Vanguard LifeStrategy® Moderate Growth6, 10 SA #21
Other/Specialty Funds
Goldman Sachs Commodity Strategy 19 SA #4U
LVIP Clarion Global Real Estate 1, 4, 8 SA #55
Morgan Stanley Institutional Fund, Inc. U.S. Real Estate 4, 8 SA #4S
PIMCO CommodityRealReturn Strategy 19 SA #4W
Vanguard REIT Index 3, 4, 8 SA #4T
Other/Stadion Profiles
Managed Principal Protection Portfolio
Stadion Managed Conservative SA #TC
Stadion Managed Growth SA #TG
Stadion Managed Moderate SA #TM
Stadion Managed Capital Appreciation SA#TP
Stadion Managed Balanced SA#TB
Stadion Managed Tactical SA#TT

How Are They Performing?

You can easily keep track of how the investment options perform via daily performance updates. Click here to see current investment option performance.

To learn more about Lincoln DirectorSM please contact your Lincoln representative.


1 International
Investing internationally involves risks not associated with investing solely in the United States, such as currency fluctuation, political risk, differences in accounting and the limited availability of information.

2 Small & Mid Cap
Funds that invest in small and/or mid-size company stocks typically involve greater risk, particularly in the short term, than those investing in larger, more established companies.

3 Index
An index is unmanaged, and one cannot invest directly in an index.

4 Sector Funds
Funds that concentrate investments in one region or industry may carry greater risk than more broadly diversified funds.

5 Bond Portfolios
The return of principal in bond portfolios is not guaranteed. Bond Portfolios have the same interest rate, inflation, credit, prepayment and market risks that are associated with the underlying bonds owned by the fund (or account).

6 Asset Allocation Portfolios
Asset allocation does not ensure a profit, nor protect against loss in a declining market.

7 High Yield Portfolios
High-yield portfolios may invest in high-yield or lower rated fixed-income securities (junk bonds), which may experience higher volatility and increased risk of non-payment or default.

REITs involve risks such as refinancing, economic conditions in the real estate industry, changes in property values, dependency on real estate management, and other risks associated with a portfolio that concentrates its investments in one sector or geographic region.

9 Emerging Markets
Investing in emerging markets can be riskier than investing in well-established foreign markets. International investing involves special risks not found in domestic investing, including increased political, social and economic instability.

10 Fund of Funds
Each Fund is operated as a fund of funds which invests primarily in other funds rather than in individual securities. Funds of this nature may be more expensive than other investment options.

11 S&P
"Standard & Poor's®", "S&P 500®", Standard & Poor's 500®" and "500" are trademarks of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by Lincoln Variable Insurance Products Trust and its affiliates. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product.

12 Collective Trusts
Collective trusts are non-deposit investment products, which are not bank deposits or obligations, are not guaranteed by any bank, and are not insured or guaranteed by the FDIC, the Federal Reserve Board, or any other government agency.

13 Exchange-Traded Funds
Exchange-traded funds (ETFs) in this lineup are available through collective trusts or mutual funds. Investors cannot invest directly in an ETF.

14 Target Date Funds
The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocations after the target date is reached; other target-date funds continue to make asset allocation changes following the target date (see prospectus for the fund's allocation strategy). The principal value is not guaranteed at any time, including at the target date.

15 MSCI Disclosure
The fund referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such fund, or an index on which each fund is based. The prospectus and statement of additional information contain a more detailed description of the limited relationship MSCI has with Lincoln Investment Advisors Corporation and any related funds.

16 Delaware Investments
Investments in Delaware Investments VIP Series, Delaware Funds, LVIP Delaware Funds or Lincoln Life accounts managed by Delaware Investment Advisors, a series of Delaware Management Business Trust, are not and will not be deposits with or liabilities of Macquarie Bank Limited ABN 46008 583 542 and its holding companies, including their subsidiaries or related companies, and are subject to investment risk, including possible delays in prepayment and loss of income and capital invested. No Macquarie Group company guarantees or will guarantee the performance of the Series or Funds or accounts, the repayment of capital from the Series or Funds or account, or any particular rate of return.

17Protection Sub-strategy
The Fund's protection sub-strategy is not a guarantee, and the Fund's shareholders may experience losses. The Fund employs hedging strategies designed to provide for downside protection during sharp downward movements in equity markets. The cost of these hedging strategies could limit the upside participation of the Fund in rising equity markets relative to other un-hedged funds.

The Fund's RPM strategy is not a guarantee the Fund's shareholders may experience losses. The Fund employs hedging strategies designed to manage overall portfolio volatility. The cost of these hedging strategies could limit the upside participation of the Fund in rising equity markets relative to un-hedged funds.

This Fund will typically seek to gain exposure to the commodity markets by investing in commodity-linked derivative instruments, swap transactions, or index- and commodity-linked "structured" notes. These instruments may subject the Fund to greater volatility than investments in traditional securities. This Fund is non-diversified, which means it may incur greater risk by concentrating its assets in a smaller number of issuers than a diversified fund.

This variable annuity contract has limitations and expense charges. For costs and complete details of the coverage contact your Lincoln plan representative.

The Lincoln DirectorSM is a group variable annuity contract issued by The Lincoln National Life Insurance Company, Fort Wayne, IN on policy form #19476 7/94 and variations thereof. It is distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

Lincoln Financial Group
1300 S. Clinton St.
P.O. Box 2248
Fort Wayne, IN 46801-2248

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Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.

The Lincoln Director(SM) is a group variable annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on policy form #19476 (and variations thereof) and is distributed by broker-dealers with selling agreements.
The Lincoln National Life Insurance Company is not an admitted insurer and does not solicit business in New York.