Our customer service staff at 800/211-7641 can receive your calls Monday to Friday 9 a.m. – 9 p.m., and Saturday 9 a.m. – 5 p.m. If you are changing addresses, please contact us at the same phone number, or send a notice to FFSA, 700 Indian Springs Drive, Lancaster, PA 17601. When you contact us, please have handy your personal member number, located on the upper left of your mailing label.

Sell. This fund of funds tracks the Morgan Stanley EAFE index by investing in European Index (currently about 70% of assets) and Pacific Index (the remaining 30%). It's similar to Tax-Managed International, which tracks the same index, though that fund buys stocks directly and comes with a higher minimum and more onerous back-end loads. Performance for the two has been virtually identical. Yet both ignore the emerging markets component that one finds in Total International or World ex-U.S. Index. And there's the rub. If you buy into the indexers' credo that one should index "all" markets rather than a slice of the pie, then this fund is a non-starter.
| Models | October | Year to Date |
| Growth | -2.4% | 23.0% |
| Conservative Growth | -2.1% | 19.1% |
| Income | -0.4% | 16.5% |
| Growth Index | -2.7% | 22.5% |
| The average Vanguard investor |
-1.3% | 13.8% |
