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Variable Annuity Investment Options Overview - index annuity pros and cons


Variable Annuity Investment Options Overview-index annuity pros and cons

VARIABLE ANNUITY INVESTMENT
OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds
as of 11/1/22
The funds listed are investment options available with Pacific Life variable annuity products. This reference guide includes summary information only. See the
applicable product and underlying fund prospectuses for more information.
U.S. FIXED-INCOME FUNDS
Net Fund Variable Annuity Mutual Product Availability
Variable Annuity Fund Name Expense (%)1 Illustration Date2 Similarly Managed Mutual Fund3 Fund Pacific Choice?/ Pacific Pacific Choice?
Ticker Pacific Odyssey? QuestSM Income
American Funds? IS American High-Income TrustSM 0.80 2/8/1984 American High-Income Trust? AHITX ? ?
American Funds? IS The Bond Fund of AmericaSM 0.70 1/2/1996 The Bond Fund of America? ABNDX ? ?
American Funds?
IS U.S. Government Securities FundSM 0.72 3/31/1987 U.S. Government Securities Fund? AMUSX ? ?
Fidelity? VIP Government Money Market Portfolio 0.33 4/1/1982 Fidelity? Money Market Fund SPRXX ? ?
Fidelity? VIP Strategic Income 0.91 12/23/2003 Fidelity? Strategic Income Fund FSICX ? ?
Janus Henderson VIT Flexible Bond 0.82 9/13/1993 Janus Henderson Flexible Bond JDFAX ? ?
JPMorgan Intermediate Bond 0.63 11/1/2021 JPMorgan Core Bond Fund Class I WOBDX ? ?
Lord Abbett Bond Debenture Portfolio VC 0.89 12/3/2001 Lord Abbett Bond Debenture Fund LBNDX ? ?
Lord Abbett Total Return Portfolio VC 0.71 6/1/2010 Lord Abbett Total Return LTRAX ? ?
Pacific Asset Management 0.74 5/1/2015 Pacific FundsSM Core Income PLIAX ? ?
Core Income
Pacific Asset Management 0.91 5/1/2013 Pacific FundsSM Floating Rate Income PLFLX ? ?
Floating Rate Income
Pacific Asset Management 0.63 1/2/1996 Pacific FundsSM High Income PLAHX ? ?
High Yield Bond
PIMCO Inflation Managed 0.67 1/2/1996 PIMCO Real Return Fund PRTNX ? ?
PIMCO Managed Bond 0.62 5/1/2003 PIMCO Total Return Fund PTTAX ? ?
PIMCO VIT Income Portfolio 0.92 4/29/2016 PIMCO Income Fund PONAX ? ?
T. Rowe Price Short Duration Bond 0.63 5/1/2006 T. Rowe Price Short-Term Bond Fund PRWBX ? ?
Western Asset Management Diversified Bond 0.64 5/1/2006 Western Asset Core Plus Bond WAPAX ? ?
Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company.
Product availability and features may vary by state.
No bank guarantee ? Not a deposit ? May lose value ? Not FDIC/NCUA insured ? Not insured by any federal government agency
VAC0218-1122W 1 of 8
VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/22
NON-U.S. FIXED-INCOME FUNDS
Net Fund Variable Annuity Mutual Product Availability
Variable Annuity Fund Name Expense (%)1 Illustration Date2 Similarly Managed Mutual Fund3 Fund Pacific Choice?/ Pacific Pacific Choice?
Ticker Pacific Odyssey? QuestSM Income
American Funds? IS Capital World Bond FundSM 1.00 10/4/2006 Capital World Bond Fund? CWBFX ? ?
Principal Emerging Markets Debt 1.00 5/1/2012 Principal Finisterre Emerging Markets PFUMX ? ?
Total Return Bond Fund Class I
Templeton Global Bond VIP Fund 0.76 1/1/1992 Templeton Global Bond Fund TPINX ? ?
U.S. EQUITY FUNDS
Net Fund Variable Annuity Mutual Product Availability
Variable Annuity Fund Name Expense (%)1 Illustration Date2 Similarly Managed Mutual Fund3 Fund Pacific Choice?/ Pacific Pacific Choice?
Ticker Pacific Odyssey? QuestSM Income
AB Small-Cap Value 0.98 5/1/2003 AB Small Cap Value Portfolio SCAVX ? ?
American Century Value 0.86 10/2/2000 American Century Large Company Value ALVSX ? ?
American Century VP Mid Cap Value 1.00 10/29/2004 American Century Mid Cap Value ACLAX ? ?
American Funds? IS Growth FundSM 0.85 3/9/1987 The Growth Fund of America? AGTHX ? ?
American Funds? IS Growth-Income FundSM 0.79 3/9/1987 The Investment Company of America? AIVSX ? ?
American Funds? IS Washington Mutual Investors FundSM 0.77 7/5/2001 Washington Mutual Investors FundSM AWSHX ? ?
BlackRock Equity Index 0.27 1/2/1996 iShares S&P 500 Index Investor BSPIX ? ?
BlackRock Large-Cap Growth 0.89 1/2/2001 BlackRock Capital Appreciation MDFGX ? ?
BlackRock Small-Cap Index 0.54 1/4/1999 iShares Russell 2000 MDSKX ? ?
Small-Cap Index Investor
Boston Partners Mid-Cap Value 0.93 1/2/2009 John Hancock Disciplined Value Mid Cap JVMAX ? ?
ClearBridge Large-Cap Value 0.83 1/4/1999 ClearBridge Large-Cap Value Fund SINAX ? ?
ClearBridge Variable Aggressive Growth Portfolio 1.08 11/1/1999 ClearBridge Aggressive Growth Fund SHRAX ? ?
Delaware Mid-Cap Growth 0.90 1/2/2001 Waddell & Reed Advisors New Concepts UNECX ? ?
Fidelity? VIP Contrafund? 0.85 1/3/1995 Fidelity? Contrafund? Fund FCNTX ? ?
Franklin Rising Dividends VIP Fund 0.88 1/27/1992 Franklin Rising Dividends Fund FRDPX ? ?
Franklin/BlackRock Small-Cap Equity 0.90 5/2/2005 None N/A ? ?
Janus Focused Growth 0.95 10/2/2000 Janus Forty JDCAX ? ?
JPMorgan Large-Cap Core 0.67 1/2/1996 JPMorgan U.S. Equity JMUEX ? ?
JPMorgan Value Advantage 0.89 5/1/2013 JPMorgan Value Advantage Fund JVAAX ? ?
MFS? Growth 0.77 1/2/1996 MFS? Growth Fund MFEGX ? ?
MFS? Small-Cap Growth 0.84 4/17/1996 MFS? New Discovery Fund MNDAX ? ?
Scout Investments Mid-Cap Equity 0.88 1/4/1999 Carillon Scout Mid Cap UMBMX ? ?
T. Rowe Price Dividend Growth 0.87 1/3/2000 T. Rowe Price Dividend Growth PRDGX ? ?
2 of 8
VARIABLE ANNUITY INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/22
NON-U.S. EQUITY FUNDS
Net Fund Variable Annuity Mutual Product Availability
Variable Annuity Fund Name Expense (%)1 Illustration Date2 Similarly Managed Mutual Fund3 Fund Pacific Choice?/ Pacific Pacific Choice?
Ticker Pacific Odyssey? QuestSM Income
American Funds?
IS Capital World Growth and Income FundSM 0.92 5/1/2006 Capital World Growth and Income Fund? CWGIX ? ?
American Funds? IS Global Growth FundSM 0.92 4/30/1997 New Perspective Fund ANWPX ? ?
American Funds?
IS Global Small Capitalization FundSM 1.15 4/30/1998 American Funds SMALLCAP World Fund? SMCWX ? ?
American Funds? IS International FundSM 1.04 5/1/1990 EuroPacific Growth Fund? AEPGX ? ?
American Funds?
IS International Growth and Income FundSM 1.03 11/18/2008 International Growth and Income FundSM IGAAX ? ?
American Funds? IS New World Fund? 1.07 6/17/1999 New World Fund? NEWFX ? ?
ClearBridge International Growth 1.04 11/1/2021 ClearBridge International Growth Fund LMGNX ? ?
Class I
FIAM LLC International Small-Cap 1.09 5/1/2006 Fidelity? International Small Cap Fund FISMX ? ?
Franklin Mutual Global Discovery VIP Fund 1.23 11/8/1996 Mutual Global Discovery Fund TEDIX ? ?
Invesco Emerging Markets 1.05 4/17/1996 Invesco Developing Markets Fund ODMAX ? ?
Invesco V.I. Global Fund 1.03 11/12/1990 Invesco Global Fund OPPAX ? ?
Invesco Oppenheimer 1.25 5/13/1992 Invesco Oppenheimer OIGAX ? ?
V.I. International Growth Fund International Growth Fund
MFS? International Large-Cap 0.98 1/3/2000 MFS? Institutional International Equity Fund MIEIX ? ?
Wellington International Value 0.90 1/2/1996 Hartford International Value Fund HILAX ? ?
ALTERNATIVE STRATEGIES FUNDS
Net Fund Variable Annuity Mutual Product Availability
Variable Annuity Fund Name Expense (%)1 Illustration Date2 Similarly Managed Mutual Fund3 Fund Pacific Choice?/ Pacific Pacific Choice?
Ticker Pacific Odyssey? QuestSM Income
JPMorgan Hedged Equity 0.90 5/3/2021 JPMorgan Hedged Equity Fund JHEQX ? ? ?
Neuberger Berman 1.06 5/1/2017 Neuberger Berman NUPAX ? ?
AMT U.S. Equity Index PutWrite Strategy Portfolio U.S. Equity Index PutWrite Strategy
PIMCO 1.03 6/30/2004 PIMCO PCRAX ? ?
VIT CommodityRealReturn? Strategy Portfolio VIT CommodityRealReturn? Strategy Fund
VanEck VIP Global Resources Fund 1.34 9/1/1989 VanEck Global Hard Assets Fund GHAAX ? ?
You can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available as long as the contract value is allocated according to the
investment allocation requirements that the Company has in effect, which are subject to change.
Eligible for an optional lifetime withdrawal benefit. 3 of 8

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