0001193125-16-491120.txt : 20160303 0001193125-16-491120.hdr.sgml : 20160303 20160303120419 ACCESSION NUMBER: 0001193125-16-491120 CONFORMED SUBMISSION TYPE: N-CSR PUBLIC DOCUMENT COUNT: 83 CONFORMED PERIOD OF REPORT: 20151231 FILED AS OF DATE: 20160303 DATE AS OF CHANGE: 20160303 EFFECTIVENESS DATE: 20160303 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ELFUN GOVERNMENT MONEY MARKET FUND CENTRAL INDEX KEY: 0000855630 IRS NUMBER: 061284913 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: N-CSR SEC ACT: 1940 Act SEC FILE NUMBER: 811-05904 FILM NUMBER: 161480164 BUSINESS ADDRESS: STREET 1: 1600 SUMMER STREET CITY: STAMFORD STATE: CT ZIP: 06905 BUSINESS PHONE: 203-326-4096 MAIL ADDRESS: STREET 1: 1600 SUMMER STREET CITY: STAMFORD STATE: CT ZIP: 06905 FORMER COMPANY: FORMER CONFORMED NAME: ELFUN MONEY MARKET FUND DATE OF NAME CHANGE: 19920703 0000855630 S000011834 ELFUN GOVERNMENT MONEY MARKET FUND C000032336 Elfun Government Money Market Fund elmxx N-CSR 1 d176413dncsr.htm SHAREHOLDER REPORT FOR ELFUN GOVERNMENT MONEY MARKET FUND Shareholder Report for Elfun Government Money Market Fund
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM N-CSR

 

 

CERTIFIED SHAREHOLDER REPORT OF REGISTERED

MANAGEMENT INVESTMENT COMPANIES

Investment Company Act file number: 811-05904

 

 

Elfun Government Money Market Fund

(Exact name of registrant as specified in charter)

 

 

1600 Summer Street

Stamford, Connecticut 06905

(Address of principal executive offices)(Zip code)

 

 

GE Asset Management, Inc.

1600 Summer Street

Stamford, Connecticut 06905

(Name and Address of Agent for Service)

 

 

Registrant’s telephone number, including area code: 800-242-0134

Date of fiscal year end: 12/31

Date of reporting period: 12/31/15

 

 

 

Table of Contents
Item 1. Reports to Stockholders

Table of Contents

Elfun Funds

 

Annual Report

December 31, 2015

 

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Table of Contents

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Notes to Performance

      1   

Manager Reviews and Schedules of Investments

   

Elfun International Equity Fund

      2   

Elfun Trusts

      9   

Elfun Diversified Fund

      14   

Elfun Tax-Exempt Income Fund

      35   

Elfun Income Fund

      44   

Elfun Government Money Market Fund

      60   

Notes to Schedules of Investments

      64   

Financial Statements

   

Financial Highlights

      65   

Statements of Assets and Liabilities

      72   

Statements of Operations

      74   

Statements of Changes in Net Assets

      76   

Notes to Financial Statements

      79   

Report of Independent Registered Public Accounting Firm

      92   

Tax Information

      93   

Advisory Agreement Renewal

      94   

Sub-Advisory Agreement

      97   

Additional Information

      99   

Investment Team

      102   

Shareholder Services

      105   

 

 

This report has been prepared for shareholders and may be distributed to others only if preceded or accompanied by a current summary prospectus or prospectus.

Table of Contents

LOGO

 

Information on the following performance pages relates to the Elfun Funds.

Total returns take into account changes in share price and assume reinvestment of all dividends and capital gains distributions, if any. Total returns shown are net of Fund expenses.

The performance data quoted represents past performance; past performance does not guarantee future results. Investment return and principal value will fluctuate so your shares, when redeemed, may be worth more or less than their original cost. Current performance may be higher or lower than the performance data quoted. Periods less than one year are not annualized. Please call toll-free (800) 242-0134 or visit the Funds’ website at http://www.geam.com for the most recent month-end performance data.

A portion of the Elfun Tax-Exempt Income Fund’s income may be subject to state, federal and/or alternative minimum tax. Capital gains, if any, are subject to capital gains tax.

An investment in a Fund is not a deposit of any bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in a Fund is subject to risk, including possible loss of principal invested.

The Standard & Poor’s (“S&P”) 500® Composite Price Index of stocks (S&P 500 Index), Morgan Stanley Capital International Europe, Australasia, Far East Index (MSCI EAFE® Index), MSCI® ACWI ex-U.S. Index, Barclays U.S. Aggregate Bond Index, the Barclays U.S. Municipal Bond Index, and the 90 Day U.S. T-Bill are unmanaged indices and do not reflect the actual cost of investing in the instruments that comprise each index. The results shown for the foregoing indices assume the reinvestment of net dividends or interest and do not reflect the fees, expenses or taxes.

S&P 500 Index is an unmanaged, market capitalization-weighted index of stocks of 500 large U.S. companies, which is widely used as a measure of large-cap U.S. stock market performance.

MSCI® EAFE® Index is a market capitalization-weighted index of equity securities of companies domiciled in various countries. The index is designed to represent the performance of developed stock markets outside the U.S. and Canada and excludes certain market segments unavailable to U.S. based investors.

 

MSCI ACWI Ex-U.S. Index is a market-capitalization weighted index designed to provide a broad measure of stock performance throughout the world, with the exception of U.S. based companies. The MSCI ACWI Ex-U.S. Index includes both developed and emerging markets.

Barclays U.S. Aggregate Bond Index is a market value-weighted index of taxable investment-grade debt issues, including government, corporate, asset-backed and mortgage-backed securities, with maturities of one year or more. This index is designed to represent the performance of the U.S. investment-grade first-rate bond market.

Barclays U.S. Municipal Bond Index is an unmanaged index comprised of investment-grade, fixed rate securities with maturities of at least eight years and less than twelve years.

The 90 Day U.S. T-Bill is an unmanaged measure/index of the performance of the most recently auctioned 90 Day U.S. Treasury bills (i.e. having a total maturity of 90 days) currently available in the marketplace.

The peer universe of underlying funds used for the peer group average annual total return calculation is based on the blend of Morningstar peer categories, as shown. Morningstar is an independent mutual fund rating service. A Fund’s performance may be compared to or ranked within a universe of mutual funds with investment objectives and policies similar but not necessarily identical to the Fund.

©2016 Morningstar, Inc. All Rights Reserved. The Morningstar information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damage or losses relating from any use of this information. Past performance is no guarantee of future results.

The views, expressed in this document reflect our judgment as of the publication date and are subject to change at any time without notice.

GE Investment Distributors, Inc., member of FINRA, is the principal underwriter and distributor of the Elfun Funds and a wholly owned subsidiary of GE Asset Management Incorporated, the investment adviser of the Funds.

 

 

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Ralph R. Layman

Executive Vice President and

Chief Investment

Officer Emeritus

LOGO

Michael J. Solecki

Senior Vice President and Chief Investment Officer International Equities

The Elfun International Equity Fund is co-managed by Ralph R. Layman and Michael J. Solecki. Messrs. Layman and Solecki both manage the Fund as a collaborative team. Both portfolio managers have the authority to increase or decrease existing positions in the Fund. See portfolio managers’ biographical information beginning on page 98.

 

Q. How did the Elfun International Equity Fund perform compared to its benchmark and Morningstar peer group for the twelve-month period ended December 31, 2015?

 

A. For the twelve-month period ended December 31, 2015, the Elfun International Equity Fund returned -0.18%. The MSCI EAFE Index, the Fund’s benchmark, returned -0.81% and the Fund’s Morningstar peer group of 821 Foreign Large Blend Funds returned an average of -1.64% over the same period. The Fund performed better than 63% of its Morningstar peer group in 2015.

 

Q. What market factors affected the Fund’s performance?

 

A. 2015 began on an optimistic note, with international equity markets surging strongly ahead, as central banks around the world eased monetary conditions in the face of very low inflation. Fears of slowing global growth, volatility in China, and various geo-political tensions soon began to weigh on the equity markets, which reached a high for the year in mid-May. From peak to trough in mid-September, the MSCI EAFE Index fell over 17%, narrowly avoiding the 20% pull-back that typically defines a bear market (a threshold it would pass in early 2016). The market recovered a bit from its September low but nevertheless finished the year down, the second year in a row of negative returns for the MSCI EAFE Index and the third year in a row that the international developed markets have lagged U.S. large caps.

 

     Underneath the overall market performance number was a significant amount of
  variability by region and industry. Japan, where the Fund was overweight relative to the MSCI EAFE Index, continued to be a bright spot, returning just under 10% and outperforming the broader index for the third year in a row. By contrast, the U.K. and the Pacific region excluding Japan were weak being more exposed to energy and emerging markets. By industry, the energy and materials sectors were predictably the weakest in 2015, impacted by plummeting commodity prices, while the relatively defensive consumer staples and healthcare enjoyed modest positive returns. In the currency markets, the U.S. dollar strengthened in 2015 against all major currencies, reducing realized returns for U.S. based investors in international equities.

 

Q. What were the primary drivers of Fund performance?

 

A. Among sectors, industrials was the biggest contributor to Fund returns, perhaps surprisingly given the negative sentiment around economic growth that existed much of the year. Within industrials, the Fund was overweight relative to the MSCI EAFE Index in areas such as aerospace, airlines, and building products, all of which had solid positive returns. Another positive area was the financial sector, where the Fund did well in insurance and banks both in Japan and the Eurozone. Geographically, the Fund benefitted from its large weight in Japan, where it held just under 30% of its assets on average during 2015, a significantly higher weight than the MSCI EAFE Index. Within Japan, the Fund’s holdings underperformed the MSCI EAFE Index, but still did better than the rest of the world and so helped overall performance.

 

    

Hurting performance this year were the Fund’s holdings in energy and mining. The Fund held only a small percent of its assets in these areas and a lower weight than the MSCI EAFE Index, but any exposure was painful, as the fall in commodity prices hurt

 

 

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  the sector. Related to this, the emerging markets region was under pressure in 2015 and another source of negative returns for the Fund. The Fund had both direct exposure, holding a small weight in companies based in emerging markets, and indirect exposure through developed market companies that sell into emerging market countries.

 

Q. Were there any significant changes to the Fund during the period?

 

A. Geographically, the Fund’s weights in Japan, Canada, and the Eurozone were reduced in 2015, while Continental Europe outside of the Eurozone and the U.K. were increased. These changes did not impact the Fund’s positioning relative to the MSCI EAFE Index, where the Fund’s biggest overweights remain Japan and the emerging markets region and biggest underweights remain the U.K. and the Pacific Basin.

 

     Similarly the Fund’s sector positioning relative to the Index changed little in 2015. The biggest changes were in industrials, which was reduced from a modest to a slight overweight, consumer discretionary, from a slight overweight to modest underweight, and consumer staples, where the Fund’s large underweight was reduced. Within industrials, machinery and professional services were reduced in favor of building products. In consumer discretionary, auto exposure was reduced in favor of leisure. In healthcare, while the overall weight didn’t change significantly, pharma was reduced in favor of healthcare equipment and services.

    

 

 

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Understanding Your Fund’s Expenses

 

As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual funds.

To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period. The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015.

Actual Expenses

The first section of the table provides information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by $1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during

the period” to estimate the expenses you paid on your account during the period.

Hypothetical Example for Comparison Purposes

The second section of the table provides information about hypothetical account values and hypothetical expenses based on the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the shareholders reports of other funds.

Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different funds.

 

 

July 1, 2015 – December 31, 2015

 

        Account value at
the beginning of
the period ($)		        Account value
at the end of
the period ($)		        Expenses
paid during
the period ($)*		  

Actual Fund Return

        1,000.00           918.90           1.79   

Hypothetical 5% Return
(2.5% for the period)

        1,000.00           1,023.34           1.89   

 

*   Expenses are equal to the Fund’s annualized net expense ratio of 0.37%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period, multiplied by 184/365 (to reflect the one-half year period).

 

**   May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data.

 

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Investment Profile

A mutual fund designed for investors who seek long-term growth of capital and future income by investing principally in foreign securities consistent with prudent investment management and the preservation of capital. The Fund seeks to achieve its investment objectives by investing at least 80% of its net assets under normal circumstances in equity securities, such as common and preferred stocks and invests primarily (meaning at least 65%) in companies in both developed and emerging market countries outside the United States.

 

Top Ten Largest Holdings

(as a % of Fair Value of Investments of $233,852 (in thousands) on December 31, 2015) (a)(b)

 

Roche Holding AG

      3.11%   

AIA Group Ltd.

      2.43%   

Nidec Corp.

      2.43%   

Continental AG

      2.34%   

Sanofi

      2.12%   

Baidu Inc. ADR

      2.09%   

Vodafone Group PLC

      2.05%   

Anheuser-Busch InBev S.A.

      1.99%   

BNP Paribas S.A.

      1.88%   

Toyota Motor Corp.

      1.85%   

 

Sector Allocation

Portfolio composition as a % of Fair Value of Investments of $233,852 (in thousands) on December 31, 2015 (a)(b)

 

 

 

LOGO

Morningstar Performance Comparison

Based on average annual returns for periods ended December 31, 2015

 

      One
Year		     Five
Year		     Ten
Year		  

Number of funds in peer group

      821        699        529   

Peer group average annual total return

      -1.64 %      2.54 %      2.56 % 

Morningstar Category in peer group: U.S. Foreign Large Blend

  

 

Change in Value of a $10,000 Investment

 

LOGO

 

LOGO

 

Average Annual Total Return

For the periods ended December 31, 2015

 

(Inception date: 1/1/88)               
     One
Year		   Five
Year		   Ten
Year		   Ending Value of a
$10,000
Investment

Elfun International
Equity Fund

       -0.18%          2.67%          2.99%          $13,424   

MSCI EAFE Index

       -0.81%          3.61%          3.03%          $13,479   
 

 

(a) Fair Value basis is inclusive of short-term investment in State Street Institutional U.S. Government Money Market Fund Premier Class.

 

(b) The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security.

See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories.

Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a shareholder would pay on Fund distributions or the redemption of Fund shares.

 

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Elfun International Equity Fund

   December 31, 2015

 

LOGO

 

Elfun International Equity Fund

 

     Number
of Shares		      Fair
Value		      

Common Stock — 95.5%†

  

    

Australia — 1.3%

  

  

Insurance Australia Group Ltd.

      746,565       $ 3,019,988     

Belgium — 2.0%

        

Anheuser-Busch InBev S.A.

      37,415         4,649,664     

Canada — 1.3%

        

Brookfield Asset Management Inc., Class A

      33,715         1,059,434     

Cenovus Energy Inc.

      166,236         2,094,255     
     3,153,689     

China — 2.1%

        

Baidu Inc. ADR

      25,824         4,881,769      (a)

France — 13.4%

        

Airbus Group SE

      18,642         1,255,550     

AXA S.A.

      142,904         3,916,620     

BNP Paribas S.A.

      77,637         4,404,925     

Credit Agricole S.A.

      182,632         2,158,518     

Safran S.A.

      26,294         1,810,048     

Sanofi

      58,134         4,963,666     

Schneider Electric SE

      42,171         2,407,793     

Technip S.A.

      62,762         3,118,137     

Total S.A.

      53,505         2,398,424     

Vivendi S.A.

      103,570         2,234,411     

Zodiac Aerospace

      109,834         2,621,896     
     31,289,988     

Germany — 8.9%

        

Bayer AG

      29,829         3,752,296     

Continental AG

      22,430         5,471,320     

Fresenius SE & Company KGaA

      50,928         3,649,664     

HeidelbergCement AG

      33,256         2,731,848     

Linde AG

      17,354         2,524,236     

SAP SE

      35,063         2,794,966     
     20,924,330     

Hong Kong — 2.4%

        

AIA Group Ltd.

      946,962         5,693,881     

India — 2.0%

        

ICICI Bank Ltd.

      561,369         2,214,716     

Larsen & Toubro Ltd.

      61,477         1,186,677     

Power Grid Corporation of India Ltd.

      621,316         1,331,266     
     4,732,659     

Ireland — 0.8%

        

Kerry Group PLC, Class A

      22,199         1,840,198     
     Number
of Shares		      Fair
Value		      

Italy — 1.4%

        

Intesa Sanpaolo S.p.A.

      962,834       $ 3,229,821     

Japan — 28.0%

        

Astellas Pharma Inc.

      134,800         1,940,282     

East Japan Railway Co.

      30,200         2,874,517     

FANUC Corp.

      18,900         3,311,958     

Fast Retailing Company Ltd.

      5,266         1,866,597     

Fuji Heavy Industries Ltd.

      46,600         1,947,364     

Hitachi Ltd.

      631,000         3,627,221     

Japan Post Holdings Company Ltd.

      76,000         1,178,270      (a)

Kao Corp.

      50,500         2,625,857     

Keyence Corp.

      4,800         2,676,620     

Mitsubishi Estate Company Ltd.

      179,459         3,764,618     

Mitsubishi Heavy Industries Ltd.

      559,000         2,478,197     

Mitsubishi UFJ Financial Group Inc.

      630,700         3,969,433     

Mitsui Fudosan Company Ltd.

      167,118         4,245,502     

Murata Manufacturing Company Ltd.

      17,597         2,570,176     

Nidec Corp.

      77,500         5,693,233     

Rakuten Inc.

      217,597         2,537,833      (a)

Secom Company Ltd.

      24,600         1,685,058     

Shimano Inc.

      8,700         1,349,532     

SoftBank Group Corp.

      72,701         3,710,141     

Sumitomo Mitsui Financial Group Inc.

      93,000         3,560,896     

Tokio Marine Holdings Inc.

      91,500         3,584,089     

Toyota Motor Corp.

      69,482         4,325,044     
     65,522,438     

Mexico — 0.4%

        

Grupo Financiero Banorte SAB de C.V., Class O

      173,832         954,150     

Netherlands — 3.0%

        

ASML Holding N.V.

      42,813         3,839,216     

ING Groep N.V.

      239,758         3,242,591     
     7,081,807     

Norway — 1.1%

        

Statoil ASA

      178,582         2,495,732     

South Korea — 0.9%

        

Samsung Electronics Company Ltd.

      1,955         2,100,806     

Spain — 0.6%

        

Banco Bilbao Vizcaya Argentaria S.A.

      199,324         1,459,166     

Sweden — 5.0%

        

Assa Abloy AB, Class B

      153,618         3,243,423     

Hexagon AB, Class B

      82,026         3,062,864     
 
     

 

See Notes to Schedules of Investments and Notes to Financial Statements.

 

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Elfun International Equity Fund

   December 31, 2015

 

LOGO

 

     Number
of Shares		      Fair
Value		      

Svenska Cellulosa AB SCA, Class B

      53,416       $ 1,561,816     

Telefonaktiebolaget LM Ericsson, Class B

      405,238         3,955,957     
     11,824,060     

Switzerland — 7.5%

        

Geberit AG

      6,967         2,367,805     

Givaudan S.A.

      1,726         3,143,355     

Nestle S.A.

      33,800         2,517,273     

Roche Holding AG

      26,338         7,272,551     

The Swatch Group AG

      6,219         2,175,718     
     17,476,702     

Taiwan — 1.4%

        

Taiwan Semiconductor Manufacturing Company Ltd.

      777,900         3,386,602     

United Kingdom — 12.0%

        

Barclays PLC

      1,193,380         3,850,282     

BHP Billiton PLC

      113,574         1,272,215     

Capita PLC

      58,199         1,036,217     

HSBC Holdings PLC

      185,477         1,465,834     

International Consolidated Airlines Group S.A.

      166,964         1,502,369     

Johnson Matthey PLC

      51,013         1,997,747     

Prudential PLC

      129,932         2,931,969     

Shire PLC

      38,222         2,646,638     

Smith & Nephew PLC

      218,499         3,890,312     

Vodafone Group PLC

      1,474,875         4,804,139     

WPP PLC

      122,925         2,831,831     
     28,229,553     

Total Common Stock
(Cost $218,447,011)

         223,947,003     
       

Short-Term Investments — 4.2%

  

    

State Street Institutional U.S. Government Money Market Fund — Premier Class

        

0.09%

       $ 9,904,614      (d,h,p)

(Cost $9,904,614)

        

Total Investments
(Cost $228,351,625)

         233,851,617     

Other Assets and Liabilities, net — 0.3%

         596,201     
     

 

 

    

NET ASSETS — 100.0%

       $ 234,447,818     
     

 

 

    
       

Other Information:

The Fund had the following long futures contracts open at December 31, 2015:

 

Description   Expiration
date		   Number
of
Contracts		   Current
Notional
Value		   Unrealized
Appreciation

EURO Stoxx 50 Index Futures

   March 2016       65       $ 2,317,404       $ 12,171  

FTSE 100 Index Futures

   March 2016       7         639,466         17,173  

Topix Index Futures

   March 2016       12         1,543,705         25,723  
             

 

 

  
              $ 55,067  
             

 

 

  

The Fund was invested in the following sectors at December 31, 2015 (unaudited):

 

Sector   Percentage
(based on
Fair Value)

Diversified Banks

       13.05%   

Pharmaceuticals

       8.80%   

Life & Health Insurance

       4.19%   

Electronic Equipment & Instruments

       4.01%   

Diversified Real Estate Activities

       3.88%   

Wireless Telecommunication Services

       3.64%   

Electrical Components & Equipment

       3.46%   

Integrated Oil & Gas

       2.99%   

Property & Casualty Insurance

       2.82%   

Automobile Manufacturers

       2.68%   

Industrial Machinery

       2.48%   

Aerospace & Defense

       2.43%   

Building Products

       2.40%   

Auto Parts & Equipment

       2.34%   

Specialty Chemicals

       2.20%   

Internet Software & Services

       2.09%   

Brewers

       1.99%   

Packaged Foods & Meats

       1.86%   

Communications Equipment

       1.69%   

Multi-Line Insurance

       1.67%   

Healthcare Equipment

       1.66%   

Semiconductor Equipment

       1.64%   

Healthcare Services

       1.56%   

Semiconductors

       1.45%   

Oil & Gas Equipment & Services

       1.33%   

Railroads

       1.23%   

Advertising

       1.21%   

Application Software

       1.19%   

Construction Materials

       1.17%   

Personal Products

       1.12%   

Electronic Components

       1.10%   

Internet Retail

       1.09%   

Industrial Gases

       1.08%   

Movies & Entertainment

       0.96%   

Apparel, Accessories & Luxury Goods

       0.93%   
 
     

 

See Notes to Schedules of Investments and Notes to Financial Statements.

 

7

Table of Contents

Elfun International Equity Fund

   December 31, 2015

 

LOGO

 

   

Technology Hardware, Storage & Peripherals

       0.90%   

Apparel Retail

       0.80%   

Security & Alarm Services

       0.72%   

Household Products

       0.67%   

Airlines

       0.64%   

Leisure Products

       0.58%   

Electric Utilities

       0.57%   

Diversified Metals & Mining

       0.54%   

Construction & Engineering

       0.51%   

Human Resource & Employment Services

       0.44%   
   

 

 

  
      95.76%   
   

 

 

  
   
Short-Term Investments     

Short-Term Investments

       4.24%   
   

 

 

  
      4.24%   
   

 

 

  
      100.00%   
   

 

 

  

    

 
     

 

See Notes to Schedules of Investments and Notes to Financial Statements.

 

8

Table of Contents

(Unaudited)

 

LOGO 


 
 
 

 
 
 



LOGO
 
 
David B. Carlson 
 
Chief
Investment Officer – U.S. Equities 

 
The Elfun Trusts is managed by David B. Carlson. See portfolio managers’ biographical information beginning
on page 98. 
 
 





Q.
How did the Elfun Trusts Fund perform compared to its benchmark and Morningstar peer group for the twelve-month period ended December 31, 2015? 


 





A.
For the twelve-month period ended December 31, 2015, the Elfun Trusts Fund returned 1.70%. The S&P 500® Index (S&P 500 Index), the Fund’s
benchmark, returned 1.38% and the Fund’s Morningstar peer group of 1,744 U.S. Large Cap Growth Funds returned an average of 3.57% over the same period. 
 
 





Q.
What market factors affected the Fund’s performance? 
 
 





A.
The overall market as measured by the S&P 500 was only up 1.4%, but the dividend yield was approximately 2%, so prices were generally lower for the year. More stocks declined in price than gained for the
year. Earnings growth for the S&P 500 was flattish. Energy sector earnings were down sharply and the rest of the market’s earnings grew modestly. Elfun Trusts’ return was slightly better than the S&P 500 Index, but we trailed the
median return of our Morningstar peer group of growth funds. In January of this year, Barron’s magazine recognized Elfun Trusts in an article on long term performance noting that Elfun Trusts was one of a small number of funds that have beaten
the S&P 500 on a 1, 3, 5, 10, 15, and 25 rolling year basis. 
 
 





Q.
What were the primary drivers of Fund performance? 
 
 





A.
We look at performance in two buckets: sector allocation and stock selection. Last year, we did better in sector allocation than we did in stock selection, meaning our decision to underweight energy and
overweight healthcare was more beneficial than our stock selection within sectors. Energy stocks were down about 20% last year and we owned less than the market.








 

Healthcare stocks were up about 6% and make up 20% of the portfolio vs. 15% for the market. We were helped by our overweight in financial stocks which were up about 3% for the year.

 
 





    
The technology sector is our largest weight representing 27% of the portfolio compared with 21% of the S&P 500. Stocks within the tech sector had a very wide range of performance and that was true of our holdings as
well. Our holdings of Amazon (+118%) and Google (+45%) helped while our holdings of Qualcomm (-31%) and Baidu (-17%) hurt performance. Our decision to underweight energy, materials, utilities and industrials helped relative performance as all four
sectors declined for the year. 
 
 





Q.
Were there any significant changes to the Fund during the period? 
 
 





A.
Changes in the portfolio were modest and our turnover rate remained below 20%. We continue to focus on the long term in our stock selection. We ended the year with 53 names in the portfolio, up from 51 at the start. We
continue to have a growth tilt with overweights in the technology, healthcare and consumer-discretionary sectors. We have a growing weight in internet companies as we believe we are in an era of significant disruption to traditional business models.
We are underweighted in cyclicals such as energy, materials and industrials. We have no holdings in the utility sector. It’s been six years since the last recession and bear market, and it’s been the slowest recovery on record in terms of
economic growth. We think the slow growth continues and we are concentrated in companies with above-average organic growth, meaning they don’t need a strong economy to meet our growth expectations. We also favor financial strength, market
leadership and great management teams. We believe this combination of high-quality characteristics in our companies will lead to long term outperformance in their share prices.

 


 
 
 
9 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 
 
Understanding Your Fund’s Expenses 


 

 
As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional
fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual
funds. 
 
To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period.
The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015. 


Actual Expenses 
 
The first section of the table provides
information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by
$1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during



 

the period” to estimate the expenses you paid on your account during the period. 
 
Hypothetical
Example for Comparison Purposes 
 
The second section of the table provides information about hypothetical account values and hypothetical expenses based on
the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account
balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the
shareholders reports of other funds. 
 
Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do
not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different
funds. 
 

 
 
 
July 1, 2015 – December 31,
2015 
 
 























  
    
Account value at
the beginning of
the period ($)		
 
    
Account value
at the end of
the period ($)		
 
    
Expenses
paid during
the period ($)*		
 





 
Actual Fund Return

    
 
1,000.00
  
    
 
994.40
  
    
 
0.75
  



 
Hypothetical 5% Return
(2.5% for the period)

    
 
1,000.00
  
    
 
1,024.45
  
    
 
0.77
  


 
 





*
 
Expenses are equal to the Fund’s annualized net expense ratio of 0.15%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period, multiplied by
184/365 (to reflect the one-half year period). 
 
 





**
 
May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data. 

 
 
 
10 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 












Investment Profile
 
A mutual fund designed for
investors who seek long-term growth of capital and future income rather than current income. The Fund seeks to achieve its investment objectives by investing in equity securities of U.S. companies, such as common and preferred stocks. 


 











Top Ten Largest Holdings


(as a % of Fair Value of Investments of $2,359,040 (in thousands) on December 31, 2015) (a)(b) 


 

















 
Visa Inc., Class A

  
 
4.57%
  



 
Allergan PLC

  
 
4.50%
  



 
PepsiCo Inc.

  
 
4.07%
  



 
Amazon.com Inc.

  
 
4.01%
  



 
Baidu Inc. ADR

  
 
3.69%
  



 
CME Group Inc.

  
 
3.57%
  



 
State Street Corp.

  
 
3.38%
  



 
Amgen Inc.

  
 
3.37%
  



 
Liberty Global PLC, Class C

  
 
3.37%
  



 
Comcast Corp., Class A

  
 
3.35%
  


 
 











Sector Allocation


Portfolio composition as a % of Fair Value of Investments of $2,359,040 (in thousands) on December 31, 2015
(a)(b) 


 
 
 
 
 





LOGO
 












Morningstar Performance Comparison
 
Based on
average annual returns for periods ended December 31, 2015 
 
 























  
  
One
Year		
 
 
Five
Year		
 
 
Ten
Year		
 





 
Number of funds in peer group

  
 
1,744
  
 
 
1,547
  
 
 
1,330
  



 
Peer group average annual total return

  
 
3.57
% 
 
 
11.37
% 
 
 
6.70
% 



 
Morningstar Category in peer group: U.S. Large Growth

 
  


 
 











Change in Value of a $10,000 Investment


 
 



LOGO
 
 
 
 



LOGO
 
 
 











Average Annual Total Return


For the periods ended December 31, 2015 
 
 































(Inception date: 5/27/35)
 
  
 
  
 
  



  
 
One
Year		
 
Five
Year		
 
Ten
Year		
 
Ending Value of a
$10,000
Investment





 
Elfun Trusts

 
 
 
1.70%
  
 
 
 
13.80%
  
 
 
 
8.41%
  
 
 
 
$22,425
  



 
S&P 500 Index

 
 
 
1.38%
  
 
 
 
12.57%
  
 
 
 
7.31%
  
 
 
 
$20,242
  


 
 

 
 





(a)
Fair Value basis is inclusive of short-term investment in State Street Institutional U.S. Government Money Market Fund Premier Class. 


 





(b)
The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest
as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security. 


See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories. 


Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a
shareholder would pay on Fund distributions or the redemption of Fund shares. 

 
 
 
11 








Table of Contents














 
Elfun Trusts

 
December 31, 2015
 
 
 



LOGO
 


 


















Elfun Trusts


 






















 
  
Number
of Shares		
 
  


Fair


Value

 
 
 



 
Common Stock — 97.7%†

 
  

 
 








 
Aerospace & Defense — 1.0%

 
  

 











 
Hexcel Corp.

  
 
130,000
  
  
$
6,038,500
  
 




 
Honeywell International Inc.

  
 
160,000
  
  
 
16,571,200
  
 






  
 
22,609,700
  
 









 
Air Freight & Logistics — 1.0%

 
  

 











 
United Parcel Service Inc., Class B

  
 
250,000
  
  
 
24,057,500
  
 









 
Application Software — 2.2%

 
  

 











 
Intuit Inc.

  
 
550,000
  
  
 
53,075,000
  
 








 
Asset Management & Custody Banks — 3.4%










 
State Street Corp.

  
 
1,200,000
  
  
 
79,632,000
  
 
(e)








 
Biotechnology — 7.0%

 
  

 











 
Alexion Pharmaceuticals Inc.

  
 
160,000
  
  
 
30,520,000
  
 
(a)



 
Amgen Inc.

  
 
490,000
  
  
 
79,541,700
  
 




 
Gilead Sciences Inc.

  
 
550,000
  
  
 
55,654,500
  
 






  
 
165,716,200
  
 









 
Broadcasting — 0.6%

 
  

 











 
Discovery Communications Inc.,
Class C

  
 
550,000
  
  
 
13,871,000
  
 
(a)










 
Cable & Satellite — 7.5%

  



  



 











 
Comcast Corp., Class A

  
 
1,400,000
  
  
 
79,002,000
  
 




 
Liberty Global PLC, Class C

  
 
1,950,000
  
  
 
79,501,500
  
 
(a)



 
Sirius XM Holdings Inc.

  
 
4,500,000
  
  
 
18,315,000
  
 
(a)





  
 
176,818,500
  
 









 
Casinos & Gaming — 0.6%

 
  

 











 
Las Vegas Sands Corp.

  
 
350,000
  
  
 
15,344,000
  
 








 
Communications Equipment — 2.5%










 
QUALCOMM Inc.

  
 
1,200,000
  
  
 
59,982,000
  
 








 
Data Processing & Outsourced Services — 7.5%










 
Automatic Data Processing Inc.

  
 
200,000
  
  
 
16,944,000
  
 




 
Paychex Inc.

  
 
170,000
  
  
 
8,991,300
  
 




 
PayPal Holdings Inc.

  
 
1,150,000
  
  
 
41,630,000
  
 
(a)



 
Square Inc. Class A

  
 
60,000
  
  
 
785,400
  
 
(a)



 
Visa Inc., Class A

  
 
1,390,000
  
  
 
107,794,500
  
 






  
 
176,145,200
  
 











 
Diversified Banks — 3.2%

  



  



 











 
JPMorgan Chase & Co.

  
 
1,150,000
  
  
 
75,934,500
  
 


























 
  
Number
of Shares		
 
  
 
Fair


Value

 
 
 









 
Environmental & Facilities Services — 0.2%










 
Stericycle Inc.

  
 
45,000
  
  

$

5,427,000
  
 
(a)







 
Fertilizers & Agricultural Chemicals — 3.0%










 
Monsanto Co.

  
 
720,000
  
  
 
70,934,400
  
 








 
Healthcare Equipment — 4.1%










 
Abbott Laboratories

  
 
600,000
  
  
 
26,946,000
  
 




 
Medtronic PLC

  
 
900,000
  
  
 
69,228,000
  
 






  
 
96,174,000
  
 











 
Healthcare Supplies — 1.2%

  



  



 











 
The Cooper Companies Inc.

  
 
210,000
  
  
 
28,182,000
  
 








 
Home Improvement Retail — 3.1%










 
Lowe’s Companies Inc.

  
 
960,000
  
  
 
72,998,400
  
 











 
Industrial Machinery — 0.7%

  



  



 











 
Dover Corp.

  
 
275,000
  
  
 
16,860,250
  
 











 
Integrated Oil & Gas — 1.3%

  



  



 











 
Chevron Corp.

  
 
330,000
  
  
 
29,686,800
  
 











 
Internet Retail — 4.0%

  



  



 











 
Amazon.com Inc.

  
 
140,000
  
  
 
94,624,600
  
 
(a)







 
Internet Software & Services — 11.4%










 
Alibaba Group Holding Ltd. ADR

  
 
80,000
  
  
 
6,501,600
  
 
(a)



 
Alphabet Inc., Class A

  
 
38,000
  
  
 
29,564,380
  
 
(a)



 
Alphabet Inc., Class C

  
 
83,000
  
  
 
62,987,040
  
 
(a)



 
Baidu Inc. ADR

  
 
460,000
  
  
 
86,958,400
  
 
(a)



 
eBay Inc.

  
 
1,700,000
  
  
 
46,716,000
  
 
(a)



 
Facebook Inc., Class A

  
 
190,000
  
  
 
19,885,400
  
 
(a)



 
LinkedIn Corp., Class A

  
 
70,000
  
  
 
15,755,600
  
 
(a)





  
 
268,368,420
  
 








 
Investment Banking & Brokerage — 2.6%










 
The Charles Schwab Corp.

  
 
1,880,000
  
  
 
61,908,400
  
 








 
Movies & Entertainment — 1.3%










 
The Walt Disney Co.

  
 
300,000
  
  
 
31,524,000
  
 








 
Oil & Gas Equipment & Services — 3.1%










 
Schlumberger Ltd.

  
 
1,050,000
  
  
 
73,237,500
  
 








 
Oil & Gas Exploration & Production — 0.7%










 
Anadarko Petroleum Corp.

  
 
330,000
  
  
 
16,031,400
  
 








 
Pharmaceuticals — 7.5%










 
Allergan PLC

  
 
340,000
  
  
 
106,250,000
  
 
(a)



 
Johnson & Johnson

  
 
460,000
  
  
 
47,251,200
  
 




 
Merck & Company Inc.

  
 
250,000
  
  
 
13,205,000
  
 




 
Pfizer Inc.

  
 
300,000
  
  
 
9,684,000
  
 






  
 
176,390,200
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
12 








Table of Contents














 
Elfun Trusts

 
December 31, 2015
 
 
 



LOGO
 


 























 
  
Number
of Shares		
 
  
 
Fair


Value

 
 
 












 
Reinsurance — 0.4%

  



  



 











 
Alleghany Corp.

  
 
20,000
  
  

$

9,558,600
  
 
(a)










 
Soft Drinks — 4.1%

  



  



 











 
PepsiCo Inc.

  
 
960,000
  
  
 
95,923,200
  
 








 
Specialized Finance — 5.6%










 
CME Group Inc.

  
 
930,000
  
  
 
84,258,000
  
 




 
McGraw Hill Financial Inc.

  
 
500,000
  
  
 
49,290,000
  
 






  
 
133,548,000
  
 








 
Specialized REITs — 2.6%










 
American Tower Corp.

  
 
640,000
  
  
 
62,048,000
  
 








 
Technology Hardware, Storage & Peripherals — 3.2%










 
Apple Inc.

  
 
720,000
  
  
 
75,787,200
  
 








 
Trading Companies & Distributors — 1.1%










 
United Rentals Inc.

  
 
360,000
  
  
 
26,114,400
  
 
(a)










 
Total Common Stock
(Cost $1,368,999,454)

  



  
 
2,308,512,370
  
 





  



  



 




 
Short-Term Investments — 2.1%

 
  

 
 










 
State Street Institutional U.S. Government Money Market
Fund — Premier Class

  



  



 




 
0.09%

  



  
$
50,527,506
  
 
(d,p)



 
(Cost $50,527,506)

  



  



 











 
Total Investments
(Cost $1,419,526,960)

  



  
 
2,359,039,876
  
 











 
Other Assets and Liabilities,
net — 0.2%

  



  
 
5,279,602
  
 





  



  
 
 

 
 

 
 











 
NET ASSETS — 100.0%

  



  
$
2,364,319,478
  
 





  



  
 
 

 
 

 
 



 

 
    



 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
13 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 

 



LOGO
 
 
David Wiederecht 


President and 
 
Chief Investment 


Officer – Investment Solutions 
 
 





LOGO
 
 
Jeffrey Palma 
 
Senior
Vice President and Chief Market Strategist 

 
The Elfun Diversified Fund is managed by Jeffrey Palma and David Wiederecht. Messrs. Palma and Wiederecht
are vested with oversight authority for determining asset allocations for the Fund. Each of the U.S. equity, international equity and fixed income portions of the Fund are managed by separate teams of portfolio managers and analysts. The
sub-portfolios underlying the Fund are managed independently of each other, and the portfolio managers have full discretion over their particular sub-portfolio; however, the portfolio management team is collaborative to ensure strict adherence to
seek the Fund’s objective. See portfolio managers’ biographical information beginning on page 98. 
 
 





Q.
How did the Elfun Diversified Fund perform compared to its benchmark and Morningstar peer group for the twelve-month period ended December 31, 2015? 


 





A.
For the twelve-month period ended December 31, 2015, the Elfun Diversified Fund returned -1.25%. The Fund’s broad based benchmarks, the S&P 500®
Index (S&P 500 Index), the MSCI All Country World ex-U.S. Index, and the Barclays U.S. Aggregate Bond Index, returned 1.38%, -5.66%, and 0.55%, respectively. The Fund’s Morningstar peer group of 967 U.S. Moderate Allocation funds returned
an average of -1.98% over the same period. 
 
 





Q.
What market factors affected the Fund’s performance? 
 
 





A.
2015 was a challenging year for markets across asset classes. Indeed, returns were negative or only slightly positive in both equity and fixed income markets. Overall, global growth trends were challenging in
2015 with Global GDP expected to have decelerated to just 3.1% (from 3.4% in 2014). The US and Japan showed little change, Europe fared a bit better, but China and the emerging market complex was clearly weaker. For most of the second half of the
year, economic growth surprised to the downside in the US, while Europe was a bit more resilient.







    
Global equity market returns for the year were lackluster with only low single-digit total returns in most markets. The overhang of macro and policy uncertainty, weakness in energy markets, and weak earnings (and a
strong dollar for US companies) were contributing fundamental factors. Further, PE multiples were unable to provide the support to drive gains. With valuations already above long-term averages, this is not particularly surprising, but underscores an
ongoing headwind for equity returns moving forward. Indeed, it is difficult to count on valuations to drive returns higher at this advanced stage of the cycle. 
 
 





    
In 2015, most of the major fixed income markets saw rates move higher. In credit, returns struggled all year. With investment grade and high yield spreads both wider through 2015, returns were under pressure, while the
rise in Treasury yields further depressed returns. 
 
 





    
On top of challenging returns, volatility across markets also presented a difficult market backdrop. The combination of macro weakness and uncertainty, policy shift from the Fed, weakness in commodity and credit
markets, and geopolitical unrest created an unsettled environment. Alongside valuations and fundamentals, this combination resulted in low aggregate returns and weak returns in stocks and bonds. 


 





Q.
What were the primary drivers of Fund performance? 
 
 





A.
Soft returns in US equities acted as the biggest drag on performance. Moreover, an underweight allocation to fixed income markets was also a headwind as returns, though modest, were positive. Returns on cash were
positive courtesy of tactical asset allocation positions taken on crude oil during the year and downside equity market hedges put in place in the second half of 2015.

 


 
 
 
14 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 

 
 





Q.
Were there any significant changes to the Fund during the period? 
 
 





A.
Over the course of 2015, our allocation to equity markets declined slightly as we reduced our overweight position in US equity markets to neutral. Our positioning in international equities was relatively constant,
though we did add a bit to Emerging Market equities towards the end of the year. 
 
 





    
We have maintained an underweight allocation to fixed income markets and a matching overweight position in cash for some time based on our view that valuations in bond markets are relatively unattractive and that
tighter Fed policy could exert some upward pressure on bond yields. To that end, we have preferred to hold a larger position in cash than in our benchmark to reflect this view. Looking ahead, we expect another volatile and challenging environment in
2016. As a result, we have reduced our long-standing overweight allocation to equity markets back towards neutral. We believe there will be opportunities to take advantage of volatility through the year but managing downside risk will be a critical
element of tactical asset allocation in the year ahead.


 
    

 


 
 
 
15 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 
 
Understanding Your Fund’s Expenses 


 

 
As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional
fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual
funds. 
 
To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period.
The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015. 


Actual Expenses 
 
The first section of the table provides
information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by
$1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during



 

the period” to estimate the expenses you paid on your account during the period. 
 
Hypothetical
Example for Comparison Purposes 
 
The second section of the table provides information about hypothetical account values and hypothetical expenses based on
the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account
balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the
shareholders reports of other funds. 
 
Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do
not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different
funds. 
 

 
 
 
July 1, 2015 – December 31,
2015 
 
 























  
    
Account value at
the beginning of
the period ($)		
 
    
Account value
at the end of
the period ($)		
 
    
 
Expenses


paid during
the period ($)*

 





 
Actual Fund Return

    
 
1,000.00
  
    
 
964.90
  
    
 
1.78
  



 
Hypothetical 5% Return
(2.5% for the period)

    
 
1,000.00
  
    
 
1,023.39
  
    
 
1.84
  


 
 





*
 
Expenses are equal to the Fund’s annualized net expense ratio of 0.36%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period, multiplied by
184/365 (to reflect the one-half year period). 
 
 





**
 
May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data. 

 
 
 
16 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 












Investment Profile
 
A mutual fund designed for
investors who seek the highest total return, composed of income and capital appreciation, as is consistent with prudent investment management and the preservation of capital. The Fund seeks to achieve its investment objective by
investing primarily in a combination of U.S. and foreign (non-U.S.) equity and debt securities and cash. The Fund’s asset allocation process utilizes information from GE Asset Management’s Asset Allocation Committee to
diversify holdings across these asset classes and to adjust the asset class weightings based on market and economic conditions. 
 
 











Top Ten Largest Equity Holdings


(as a % of Fair Value of Investments of $212,685 (in thousands) on December 31, 2015) (a)(b) 


 

















 
Allergan PLC

  
 
1.14%
  



 
Comcast Corp., Class A

  
 
0.94%
  



 
Amgen Inc.

  
 
0.93%
  



 
JPMorgan Chase & Co.

  
 
0.87%
  



 
Apple Inc.

  
 
0.82%
  



 
Baidu Inc. ADR

  
 
0.80%
  



 
Johnson & Johnson

  
 
0.74%
  



 
Exxon Mobil Corp.

  
 
0.73%
  



 
Cisco Systems Inc.

  
 
0.72%
  



 
Medtronic PLC

  
 
0.70%
  


 
 











Sector Allocation


Portfolio composition as a % of Fair Value of Investments of $212,685 (in thousands) on December 31, 2015
(a)(b) 
 
 


 
 
 
 



LOGO
 












Morningstar Performance Comparison
 
Based on
average annual returns for periods ended December 31, 2015 
 
 























  
  
One
Year		
 
 
Five
Year		
 
 
Ten
Year		
 





 
Number of funds in peer group

  
 
967
  
 
 
834
  
 
 
670
  



 
Peer group average annual total return

  
 
-1.98
% 
 
 
6.05
% 
 
 
4.64
% 



 
Morningstar Category in peer group: U.S. Moderate Allocation

 
  


 
 











Change in Value of a $10,000 Investment


 
 



LOGO
 
 
 
 



LOGO
 
 
 











Average Annual Total Return


For the periods ended December 31, 2015 
 
 































 
(Inception date: 1/1/88)



  
 
One
Year		
 
Five
Year		
 
Ten
Year		
 
Ending Value of a
$10,000
Investment





 
Elfun Diversified Fund

 
 
 
-1.25%
  
 
 
 
5.86%
  
 
 
 
4.50%
  
 
 
 
$15,525
  



 
S&P 500 Index

 
 
 
1.38%
  
 
 
 
12.57%
  
 
 
 
7.31%
  
 
 
 
$20,242
  



 
MSCI All Country World Index ex-U.S.

 
 
 
-5.66%
  
 
 
 
1.06%
  
 
 
 
2.92%
  
 
 
 
$13,338
  



 
Barclays U.S. Aggregate Bond Index

 
 
 
0.55%
  
 
 
 
3.25%
  
 
 
 
4.51%
  
 
 
 
$15,552
  


 
 

 
 





(a)
Fair Value basis is inclusive of short-term investment in State Street Institutional U.S. Government Money Market Fund Premier Class. 


 





(b)
The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest
as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security. 


See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories. 


Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a
shareholder would pay on Fund distributions or the redemption of Fund shares. 

 
 
 
17 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 


















Elfun Diversified Fund


 






















 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 



 
Domestic Equity — 31.3%†

  
 
 
 
  
 
 
 
 
 










 
Common Stock — 31.3%

  



  



 











 
Aerospace & Defense — 1.1%

  



  



 











 
General Dynamics Corp.

  
 
4,206
  
  
$
577,736
  
 




 
Hexcel Corp.

  
 
11,596
  
  
 
538,634
  
 




 
Honeywell International Inc.

  
 
8,411
  
  
 
871,127
  
 




 
The Boeing Co.

  
 
2,443
  
  
 
353,234
  
 





  



  
 
2,340,731
  
 











 
Agricultural Products — 0.3%

  



  



 











 
Archer-Daniels-Midland Co.

  
 
16,134
  
  
 
591,795
  
 











 
Air Freight & Logistics — 0.1%

  



  



 











 
United Parcel Service Inc., Class B

  
 
2,474
  
  
 
238,073
  
 











 
Airlines — 0.4%

  



  



 











 
Delta Air Lines Inc.

  
 
14,843
  
  
 
752,392
  
 










 
Application Software — 0.2%

 
  

  



 











 
Intuit Inc.

  
 
5,566
  
  
 
537,119
  
 









 
Asset Management & Custody Banks — 1.4%

 
  

 











 
Ameriprise Financial Inc.

  
 
7,886
  
  
 
839,228
  
 




 
Invesco Ltd.

  
 
31,184
  
  
 
1,044,040
  
 




 
State Street Corp.

  
 
15,400
  
  
 
1,021,944
  
 
(e)




  



  
 
2,905,212
  
 










 
Automobile Manufacturers — 0.2%

 
  

  



 











 
Ford Motor Co.

  
 
30,924
  
  
 
435,719
  
 











 
Automotive Retail — 0.1%

  



  



 











 
Advance Auto Parts Inc.

  
 
928
  
  
 
139,673
  
 










 
Biotechnology — 1.8%

 
  

  



 











 
Alexion Pharmaceuticals Inc.

  
 
3,463
  
  
 
660,567
  
 
(a)



 
Amgen Inc.

  
 
12,215
  
  
 
1,982,861
  
 




 
Gilead Sciences Inc.

  
 
12,265
  
  
 
1,241,096
  
 





  



  
 
3,884,524
  
 











 
Broadcasting — 0.1%

  



  



 











 
CBS Corp., Class B

  
 
4,020
  
  
 
189,463
  
 











 
Cable & Satellite — 1.5%

  



  



 











 
Comcast Corp., Class A

  
 
35,431
  
  
 
1,999,372
  
 




 
Liberty Global PLC, Class C

  
 
19,482
  
  
 
794,281
  
 
(a)



 
Sirius XM Holdings Inc.

  
 
80,402
  
  
 
327,236
  
 
(a)




  



  
 
3,120,889
  
 











 
Casinos & Gaming — 0.1%

  



  



 











 
Las Vegas Sands Corp.

  
 
5,133
  
  
 
225,031
  
 


























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 











 
Communications Equipment — 1.3%

 
  

  



 











 
Cisco Systems Inc.

  
 
56,436
  
  

$

1,532,520
  
 




 
QUALCOMM Inc.

  
 
22,861
  
  
 
1,142,707
  
 





  



  
 
2,675,227
  
 











 
Consumer Finance — 0.5%

  



  



 











 
Discover Financial Services

  
 
18,400
  
  
 
986,608
  
 









 
Data Processing & Outsourced Services — 0.7%

 
  

 











 
PayPal Holdings Inc.

  
 
11,133
  
  
 
403,015
  
 
(a)



 
Visa Inc., Class A

  
 
13,606
  
  
 
1,055,145
  
 





  



  
 
1,458,160
  
 











 
Diversified Banks — 2.3%

  



  



 











 
Bank of America Corp.

  
 
82,033
  
  
 
1,380,616
  
 




 
Citigroup Inc.

  
 
3,711
  
  
 
192,044
  
 




 
JPMorgan Chase & Co.

  
 
27,938
  
  
 
1,844,746
  
 




 
Wells Fargo & Co.

  
 
25,976
  
  
 
1,412,055
  
 





  



  
 
4,829,461
  
 










 
Diversified Chemicals — 0.1%

 
  

  



 











 
The Dow Chemical Co.

  
 
2,165
  
  
 
111,454
  
 











 
Drug Retail — 0.1%

  



  



 











 
CVS Health Corp.

  
 
1,546
  
  
 
151,152
  
 











 
Electric Utilities — 0.2%

  



  



 











 
NextEra Energy Inc.

  
 
4,720
  
  
 
490,361
  
 










 
Fertilizers & Agricultural Chemicals — 0.3%

 
  

  



 











 
Monsanto Co.

  
 
6,494
  
  
 
639,789
  
 










 
General Merchandise Stores — 0.3%

 
  

  



 











 
Dollar General Corp.

  
 
9,092
  
  
 
653,442
  
 











 
Healthcare Distributors — 0.2%

  



  



 











 
Cardinal Health Inc.

  
 
5,566
  
  
 
496,877
  
 











 
Healthcare Equipment — 0.9%

  



  



 











 
Abbott Laboratories

  
 
14,843
  
  
 
666,599
  
 




 
Boston Scientific Corp.

  
 
51,643
  
  
 
952,297
  
 
(a)



 
Stryker Corp.

  
 
2,714
  
  
 
252,239
  
 






  
 
1,871,135
  
 











 
Healthcare Supplies — 0.2%

  



  



 











 
The Cooper Companies Inc.

  
 
3,031
  
  
 
406,760
  
 











 
Home Improvement
Retail — 0.6%

  



  



 











 
Lowe’s Companies Inc.

  
 
16,173
  
  
 
1,229,795
  
 











 
Household Products — 0.1%

  



  



 











 
The Procter & Gamble Co.

  
 
2,448
  
  
 
194,396
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
18 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 










 
Independent Power Producers & Energy Traders — 0.1%

 
  

 











 
Calpine Corp.

  
 
9,252
  
  

$

133,876
  
 
(a)










 
Industrial Machinery — 0.4%

  



  



 











 
Ingersoll-Rand PLC

  
 
16,699
  
  
 
923,288
  
 











 
Integrated Oil & Gas — 1.5%

  



  



 











 
Chevron Corp.

  
 
7,267
  
  
 
653,740
  
 




 
Exxon Mobil Corp.

  
 
20,038
  
  
 
1,561,962
  
 




 
Occidental Petroleum Corp.

  
 
14,192
  
  
 
959,521
  
 






  
 
3,175,223
  
 









 
Integrated Telecommunication Services — 0.2%

 
  

 











 
Verizon Communications Inc.

  
 
8,659
  
  
 
400,219
  
 











 
Internet Retail — 0.5%

  



  



 











 
Amazon.com Inc.

  
 
1,608
  
  
 
1,086,831
  
 
(a)









 
Internet Software & Services — 1.8%

 
  

  



 











 
Alphabet Inc., Class A

  
 
1,273
  
  
 
990,407
  
 
(a)



 
Alphabet Inc., Class C

  
 
1,546
  
  
 
1,173,228
  
 
(a)



 
eBay Inc.

  
 
26,986
  
  
 
741,575
  
 
(a)



 
Facebook Inc., Class A

  
 
5,257
  
  
 
550,198
  
 
(a)



 
LinkedIn Corp., Class A

  
 
1,484
  
  
 
334,019
  
 
(a)





  
 
3,789,427
  
 










 
Investment Banking & Brokerage — 0.3%

 
  

  



 











 
The Charles Schwab Corp.

  
 
22,265
  
  
 
733,186
  
 










 
IT Consulting & Other Services — 0.1%

 
  

  



 











 
Cognizant Technology Solutions Corp., Class A

  
 
4,112
  
  
 
246,802
  
 
(a)










 
Life & Health Insurance — 0.2%

  



  



 











 
Lincoln National Corp.

  
 
6,803
  
  
 
341,919
  
 











 
Movies & Entertainment — 0.7%

  



  



 











 
The Walt Disney Co.

  
 
5,937
  
  
 
623,860
  
 




 
Time Warner Inc.

  
 
13,452
  
  
 
869,941
  
 






  
 
1,493,801
  
 











 
Multi-Line Insurance — 0.7%

  



  



 











 
American International Group Inc.

  
 
6,497
  
  
 
402,619
  
 




 
The Hartford Financial Services Group Inc.

  
 
22,977
  
  
 
998,581
  
 






  
 
1,401,200
  
 











 
Multi-Utilities — 0.3%

  



  



 











 
Dominion Resources Inc.

  
 
8,102
  
  
 
548,019
  
 










 
Oil & Gas Equipment & Services — 0.5%

 
  

  



 











 
Schlumberger Ltd.

  
 
13,827
  
  
 
964,433
  
 


























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 











 
Oil & Gas Exploration & Production — 0.4%

 
  

  



 











 
Hess Corp.

  
 
14,952
  
  

$

724,873
  
 




 
Marathon Oil Corp.

  
 
12,354
  
  
 
155,537
  
 






  
 
880,410
  
 









 
Packaged Foods & Meats — 0.4%

 
  

 











 
Mondelez International Inc., Class A

  
 
17,317
  
  
 
776,494
  
 











 
Paper Packaging — 0.1%

  



  



 











 
Packaging Corporation of America

  
 
2,165
  
  
 
136,503
  
 











 
Pharmaceuticals — 2.9%

  



  



 











 
Allergan PLC

  
 
7,789
  
  
 
2,434,062
  
 
(a)



 
Johnson & Johnson

  
 
15,342
  
  
 
1,575,930
  
 




 
Merck & Company Inc.

  
 
24,430
  
  
 
1,290,393
  
 




 
Pfizer Inc.

  
 
24,275
  
  
 
783,597
  
 






  
 
6,083,982
  
 











 
Railroads — 0.1%

  



  



 











 
CSX Corp.

  
 
5,257
  
  
 
136,419
  
 











 
Regional Banks — 0.1%

  



  



 











 
First Republic Bank

  
 
2,288
  
  
 
151,145
  
 









 
Research & Consulting Services — 0.4%

 
  

 











 
Nielsen Holdings PLC

  
 
19,502
  
  
 
908,793
  
 









 
Semiconductor Equipment — 0.4%

 
  

 











 
Applied Materials Inc.

  
 
42,056
  
  
 
785,186
  
 











 
Soft Drinks — 0.7%

  



  



 











 
PepsiCo Inc.

  
 
14,503
  
  
 
1,449,140
  
 









 
Specialized Finance — 0.7%

 
  

 











 
CME Group Inc.

  
 
8,349
  
  
 
756,419
  
 




 
McGraw Hill Financial Inc.

  
 
7,422
  
  
 
731,661
  
 





  



  
 
1,488,080
  
 











 
Specialized REITs — 0.7%

  



  



 











 
American Tower Corp.

  
 
12,988
  
  
 
1,259,187
  
 




 
Extra Space Storage Inc.

  
 
2,474
  
  
 
218,231
  
 





  



  
 
1,477,418
  
 











 
Systems Software — 0.5%

  



  



 











 
Microsoft Corp.

  
 
8,195
  
  
 
454,659
  
 




 
Oracle Corp.

  
 
12,679
  
  
 
463,164
  
 




 
VMware Inc., Class A

  
 
3,808
  
  
 
215,418
  
 
(a)




  



  
 
1,133,241
  
 









 
Technology Hardware, Storage & Peripherals — 1.3%

 
  

 











 
Apple Inc.

  
 
16,637
  
  
 
1,751,211
  
 




 
HP Inc.

  
 
36,800
  
  
 
435,712
  
 




 
Western Digital Corp.

  
 
9,741
  
  
 
584,947
  
 





  



  
 
2,771,870
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
19 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 










 
Trading Companies & Distributors — 0.2%

 
  

 











 
United Rentals Inc.

  
 
7,422
  
  

$

538,392
  
 
(a)










 
Total Common Stock
(Cost $58,095,321)

  



  
 
65,510,535
  
 





  



  



 




 
Preferred Stock — 0.0%*

  
 
 
 
  
 
 
 
 
 










 
Diversified Banks — 0.0%*

  



  



 











 
Wells Fargo & Co.

  
 
2,735
  
  
 
71,438
  
 











 
Total Preferred Stock
(Cost $68,375)

  



  
 
71,438
  
 











 
Total Domestic Equity
(Cost $58,163,696)

  



  
 
65,581,973
  
 





  



  



 




 
Foreign Equity — 20.7%

  
 
 
 
  
 
 
 
 
 










 
Common Stock — 20.7%

  



  



 











 
Advertising — 0.2%

  



  



 











 
WPP PLC

  
 
21,736
  
  
 
500,734
  
 











 
Aerospace & Defense — 0.5%

  



  



 











 
Airbus Group SE

  
 
3,296
  
  
 
221,988
  
 




 
Safran S.A.

  
 
4,649
  
  
 
320,032
  
 




 
Zodiac Aerospace

  
 
19,421
  
  
 
463,607
  
 





  



  
 
1,005,627
  
 











 
Airlines — 0.1%

  



  



 











 
International Consolidated Airlines Group S.A.

  
 
29,523
  
  
 
265,653
  
 











 
Apparel Retail — 0.2%

  



  



 











 
Fast Retailing Company Ltd.

  
 
914
  
  
 
323,978
  
 









 
Apparel, Accessories & Luxury Goods — 0.2%

 
  

 











 
The Swatch Group AG

  
 
1,100
  
  
 
384,835
  
 











 
Application Software — 0.2%

  



  



 











 
SAP SE

  
 
6,200
  
  
 
494,219
  
 











 
Auto Parts & Equipment — 0.7%

  



  



 











 
Continental AG

  
 
3,966
  
  
 
967,421
  
 




 
Delphi Automotive PLC

  
 
5,659
  
  
 
485,146
  
 





  



  
 
1,452,567
  
 










 
Automobile Manufacturers — 0.5%

 
  

  



 











 
Fuji Heavy Industries Ltd.

  
 
8,200
  
  
 
342,669
  
 




 
Toyota Motor Corp.

  
 
12,330
  
  
 
767,505
  
 





  



  
 
1,110,174
  
 


























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 












 
Brewers — 0.4%

  



  



 











 
Anheuser-Busch InBev S.A.

  
 
6,616
  
  

$

822,188
  
 











 
Building Products — 0.5%

  



  



 











 
Assa Abloy AB, Class B

  
 
27,163
  
  
 
573,508
  
 




 
Geberit AG

  
 
1,232
  
  
 
418,707
  
 





  



  
 
992,215
  
 










 
Communications Equipment — 0.3%

 
  

  



 











 
Telefonaktiebolaget LM Ericsson, Class B

  
 
71,656
  
  
 
699,510
  
 









 
Construction & Engineering — 0.1%

 
  

 











 
Larsen & Toubro Ltd.

  
 
10,870
  
  
 
209,821
  
 











 
Construction Materials — 0.2%

  



  



 











 
HeidelbergCement AG

  
 
5,880
  
  
 
483,019
  
 











 
Diversified Banks — 2.6%

  



  



 











 
Banco Bilbao Vizcaya Argentaria S.A.

  
 
35,245
  
  
 
258,014
  
 




 
Barclays PLC

  
 
211,017
  
  
 
680,818
  
 




 
BNP Paribas S.A.

  
 
13,747
  
  
 
779,970
  
 




 
Credit Agricole S.A.

  
 
32,294
  
  
 
381,681
  
 




 
Grupo Financiero Banorte SAB de C.V., Class O

  
 
30,737
  
  
 
168,713
  
 




 
HSBC Holdings PLC

  
 
32,797
  
  
 
259,196
  
 




 
ICICI Bank Ltd.

  
 
99,263
  
  
 
391,613
  
 




 
ING Groep N.V.

  
 
42,395
  
  
 
573,368
  
 




 
Intesa Sanpaolo S.p.A.

  
 
170,251
  
  
 
571,106
  
 




 
Mitsubishi UFJ Financial Group Inc.

  
 
111,500
  
  
 
701,747
  
 




 
Sumitomo Mitsui Financial Group Inc.

  
 
16,400
  
  
 
627,943
  
 





  



  
 
5,394,169
  
 









 
Diversified Metals & Mining — 0.1%

 
  

 











 
BHP Billiton PLC

  
 
20,083
  
  
 
224,963
  
 









 
Diversified Real Estate Activities — 0.8%

 
  

 











 
Brookfield Asset Management Inc., Class A

  
 
5,962
  
  
 
187,345
  
 




 
Mitsubishi Estate Company Ltd.

  
 
31,918
  
  
 
669,563
  
 




 
Mitsui Fudosan Company Ltd.

  
 
29,306
  
  
 
744,496
  
 





  



  
 
1,601,404
  
 











 
Electric Utilities — 0.1%

  



  



 











 
Power Grid Corporation of India Ltd.

  
 
109,861
  
  
 
235,394
  
 









 
Electrical Components & Equipment — 0.7%

 
  

 











 
Nidec Corp.

  
 
13,700
  
  
 
1,006,417
  
 




 
Schneider Electric SE

  
 
7,457
  
  
 
425,764
  
 





  



  
 
1,432,181
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
20 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 












 
Electronic Components — 0.2%

  



  



 











 
Murata Manufacturing Company Ltd.

  
 
3,100
  
  

$

452,779
  
 









 
Electronic Equipment & Instruments — 0.8%

 
  

 











 
Hexagon AB, Class B

  
 
14,504
  
  
 
541,582
  
 




 
Hitachi Ltd.

  
 
111,500
  
  
 
640,943
  
 




 
Keyence Corp.

  
 
900
  
  
 
501,866
  
 





  



  
 
1,684,391
  
 











 
Healthcare Equipment — 1.0%

  



  



 











 
Medtronic PLC

  
 
19,296
  
  
 
1,484,248
  
 




 
Smith & Nephew PLC

  
 
38,636
  
  
 
687,903
  
 





  



  
 
2,172,151
  
 











 
Healthcare Services — 0.3%

  



  



 











 
Fresenius SE & Company KGaA

  
 
9,005
  
  
 
645,327
  
 











 
Household Products — 0.1%

  



  



 











 
Svenska Cellulosa AB SCA, Class B

  
 
9,445
  
  
 
276,160
  
 









 
Human Resource & Employment Services — 0.1%

 
  

 











 
Capita PLC

  
 
10,291
  
  
 
183,228
  
 











 
Industrial Gases — 0.2%

  



  



 











 
Linde AG

  
 
3,069
  
  
 
446,403
  
 











 
Industrial Machinery — 0.5%

  



  



 











 
FANUC Corp.

  
 
3,300
  
  
 
578,278
  
 




 
Mitsubishi Heavy Industries Ltd.

  
 
99,000
  
  
 
438,894
  
 





  



  
 
1,017,172
  
 











 
Integrated Oil & Gas — 0.8%

  



  



 











 
Cenovus Energy Inc.

  
 
29,506
  
  
 
372,366
  
 




 
Cenovus Energy Inc.

  
 
29,394
  
  
 
370,308
  
 




 
Statoil ASA

  
 
31,577
  
  
 
441,297
  
 




 
Total S.A.

  
 
9,461
  
  
 
424,100
  
 





  



  
 
1,608,071
  
 











 
Internet Retail — 0.2%

  



  



 











 
Rakuten Inc.

  
 
38,500
  
  
 
449,025
  
 









 
Internet Software & Services — 0.8%

 
  

 











 
Baidu Inc. ADR

  
 
9,016
  
  
 
1,704,385
  
 
(a)










 
Leisure Products — 0.1%

  



  



 











 
Shimano Inc.

  
 
1,500
  
  
 
232,678
  
 











 
Life & Health Insurance — 0.8%

  



  



 











 
AIA Group Ltd.

  
 
167,387
  
  
 
1,006,463
  
 




 
Japan Post Holdings Company Ltd.

  
 
13,200
  
  
 
204,647
  
 
(a)

























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 





 
Prudential PLC

  
 
22,975
  
  

$

518,440
  
 





  



  
 
1,729,550
  
 











 
Movies & Entertainment — 0.2%

  



  



 











 
Vivendi S.A.

  
 
18,314
  
  
 
395,105
  
 











 
Multi-Line Insurance — 0.3%

  



  



 











 
AXA S.A.

  
 
25,269
  
  
 
692,556
  
 










 
Oil & Gas Equipment & Services — 0.3%

 
  

  



 











 
Technip S.A.

  
 
11,098
  
  
 
551,370
  
 











 
Packaged Foods & Meats — 0.4%

  



  



 











 
Kerry Group PLC, Class A

  
 
3,981
  
  
 
330,007
  
 




 
Nestle S.A.

  
 
5,977
  
  
 
445,140
  
 





  



  
 
775,147
  
 











 
Personal Products — 0.2%

  



  



 











 
Kao Corp.

  
 
8,900
  
  
 
462,775
  
 











 
Pharmaceuticals — 1.7%

  



  



 











 
Astellas Pharma Inc.

  
 
23,800
  
  
 
342,572
  
 




 
Bayer AG

  
 
5,274
  
  
 
663,435
  
 




 
Roche Holding AG

  
 
4,657
  
  
 
1,285,909
  
 




 
Sanofi

  
 
10,279
  
  
 
877,654
  
 




 
Shire PLC

  
 
6,759
  
  
 
468,019
  
 





  



  
 
3,637,589
  
 










 
Property & Casualty Insurance — 0.9%

 
  

  



 











 
ACE Ltd.

  
 
5,556
  
  
 
649,219
  
 




 
Insurance Australia Group Ltd.

  
 
132,010
  
  
 
534,004
  
 




 
Tokio Marine Holdings Inc.

  
 
16,200
  
  
 
634,560
  
 





  



  
 
1,817,783
  
 











 
Railroads — 0.3%

  



  



 











 
East Japan Railway Co.

  
 
5,300
  
  
 
504,468
  
 









 
Security & Alarm Services — 0.2%

 
  

 











 
Secom Company Ltd.

  
 
4,300
  
  
 
294,543
  
 









 
Semiconductor Equipment — 0.3%

 
  

 











 
ASML Holding N.V.

  
 
7,570
  
  
 
678,833
  
 











 
Semiconductors — 0.3%

  



  



 











 
Taiwan Semiconductor Manufacturing Company Ltd.

  
 
137,484
  
  
 
598,539
  
 











 
Specialty Chemicals — 0.4%

  



  



 











 
Givaudan S.A.

  
 
305
  
  
 
555,460
  
 




 
Johnson Matthey PLC

  
 
9,020
  
  
 
353,237
  
 





  



  
 
908,697
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
21 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 










 
Technology Hardware, Storage & Peripherals — 0.2%

 
  

 











 
Samsung Electronics Company Ltd.

  
 
346
  
  

$

371,805
  
 









 
Wireless Telecommunication Services — 0.7%

 
  

 











 
SoftBank Group Corp.

  
 
12,900
  
  
 
658,324
  
 




 
Vodafone Group PLC

  
 
260,790
  
  
 
849,476
  
 





  



  
 
1,507,800
  
 











 
Total Foreign Equity
(Cost $43,022,492)

  



  
 
43,430,981
  
 





  



  



 


























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Bonds and Notes — 31.2%

  
 
 
 
  
 
 
 
 
 









 
U.S. Treasuries — 5.0%

 
  

  



 











 
U.S. Treasury Bonds

  



  



 




2.50%
  
02/15/45
  
$
220,800
  
  
$
197,703
  
 




3.13%
  
11/15/41
  
 
1,211,000
  
  
 
1,248,532
  
 




 
U.S. Treasury Notes

  



  



 




0.63%
  
05/31/17
  
 
1,987,100
  
  
 
1,978,369
  
 
(h)



0.88%
  
10/15/18
  
 
1,230,000
  
  
 
1,216,570
  
 
(h)



1.38%
  
10/31/20
  
 
3,287,200
  
  
 
3,229,934
  
 
(h)



1.88%
  
10/31/22
  
 
2,664,300
  
  
 
2,630,626
  
 
(h)



2.00%
  
08/15/25
  
 
55,200
  
  
 
53,819
  
 
(h)




  

  



  
 
10,555,553
  
 










 
Agency Mortgage Backed — 7.8%

 
  

  



 











 
Federal Home Loan Mortgage Corp.

  



  



 




4.50%
  
06/01/33 - 02/01/35
  
 
4,192
  
  
 
4,532
  
 




5.00%
  
07/01/35 - 06/01/41
  
 
238,142
  
  
 
265,589
  
 




5.50%
  
05/01/20 - 04/01/39
  
 
61,089
  
  
 
68,877
  
 




6.00%
  
04/01/17 - 11/01/37
  
 
155,150
  
  
 
175,837
  
 




6.50%
  
11/01/28 - 07/01/29
  
 
7,201
  
  
 
8,199
  
 




7.00%
  
10/01/16 - 08/01/36
  
 
23,457
  
  
 
26,355
  
 




7.50%
  
09/01/33
  
 
1,235
  
  
 
1,308
  
 




8.00%
  
07/01/26 - 11/01/30
  
 
2,423
  
  
 
2,658
  
 




8.50%
  
04/01/30
  
 
7,392
  
  
 
8,986
  
 




 
Federal National Mortgage Assoc.

  



  



 




2.22%
  
04/01/37
  
 
533
  
  
 
542
  
 
(i)



3.00%
  
02/01/43 - 06/01/43
  
 
2,568,267
  
  
 
2,576,197
  
 




3.50%
  
11/01/42 - 08/01/45
  
 
2,600,410
  
  
 
2,685,213
  
 




4.00%
  
05/01/19 - 03/01/44
  
 
1,401,415
  
  
 
1,489,230
  
 




4.50%
  
05/01/18 - 01/01/41
  
 
1,528,873
  
  
 
1,653,315
  
 




5.00%
  
07/01/20 - 06/01/41
  
 
415,143
  
  
 
465,029
  
 




5.50%
  
06/01/20 - 01/01/39
  
 
280,778
  
  
 
312,871
  
 




6.00%
  
02/01/20 - 05/01/41
  
 
735,696
  
  
 
837,122
  
 




6.50%
  
08/01/17 - 08/01/36
  
 
29,589
  
  
 
32,991
  
 




7.00%
  
10/01/16 - 12/01/33
  
 
2,073
  
  
 
2,155
  
 




7.50%
  
12/01/26 - 12/01/33
  
 
6,310
  
  
 
7,110
  
 




8.00%
  
06/01/24 - 01/01/33
  
 
10,390
  
  
 
10,947
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





9.00%
  
12/01/17 - 12/01/22
  

$

1,910
  
  
$
2,070
  
 




2.50%
  
TBA
  
 
944,461
  
  
 
951,725
  
 
(c)



3.00%
  
TBA
  
 
40,000
  
  
 
39,986
  
 
(c)



3.50%
  
TBA
  
 
1,026,138
  
  
 
1,058,355
  
 
(c)



4.00%
  
TBA
  
 
268,888
  
  
 
284,460
  
 
(c)



5.00%
  
TBA
  
 
260,000
  
  
 
286,151
  
 
(c)



 
Government National Mortgage Assoc.

  



  



 




3.00%
  
04/20/43 - 06/20/43
  
 
569,152
  
  
 
578,902
  
 




3.50%
  
05/20/43
  
 
523,786
  
  
 
547,344
  
 




4.00%
  
01/20/41 - 04/20/43
  
 
616,410
  
  
 
659,885
  
 




4.50%
  
08/15/33 - 03/20/41
  
 
299,396
  
  
 
326,010
  
 




5.00%
  
08/15/33
  
 
13,350
  
  
 
14,846
  
 




6.00%
  
07/15/33 - 09/15/36
  
 
12,569
  
  
 
14,631
  
 




6.50%
  
04/15/28 - 07/15/36
  
 
16,078
  
  
 
18,393
  
 




7.00%
  
04/15/28 - 10/15/36
  
 
8,411
  
  
 
9,233
  
 




7.50%
  
07/15/23 - 04/15/28
  
 
15,196
  
  
 
15,578
  
 




8.00%
  
05/15/30
  
 
462
  
  
 
523
  
 




8.50%
  
10/15/17
  
 
1,925
  
  
 
1,983
  
 




9.00%
  
11/15/16 - 12/15/21
  
 
2,272
  
  
 
2,374
  
 




3.00%
  
TBA
  
 
473,786
  
  
 
480,038
  
 
(c)



5.00%
  
TBA
  
 
400,000
  
  
 
438,158
  
 
(c)



5.50%
  
TBA
  
 
50,000
  
  
 
55,545
  
 
(c)




  

  



  
 
16,421,253
  
 









 
Agency Collateralized Mortgage Obligations — 0.1%

 
  

 











 
Collateralized Mortgage Obligation Trust

  



  



 




0.01%
  
11/01/18
  
 
178
  
  
 
177
  
 
(d,f)



 
Federal Home Loan Mortgage Corp.

  



  



 




0.08%
  
09/25/43
  
 
207,793
  
  
 
592
  
 
(g,i)



 
Federal Home Loan Mortgage Corp. REMIC

  



  



 




3.50%
  
11/15/24 - 11/15/30
  
 
198,301
  
  
 
16,008
  
 
(g)



5.50%
  
06/15/33
  
 
10,570
  
  
 
2,211
  
 
(g)



6.27%
  
08/15/25
  
 
83,418
  
  
 
8,218
  
 
(g,i)



7.50%
  
07/15/27
  
 
8,859
  
  
 
1,173
  
 
(g)



8.00%
  
04/15/20
  
 
81
  
  
 
84
  
 




 
Federal Home Loan Mortgage Corp. STRIPS

  



  



 




1.47%
  
08/01/27
  
 
391
  
  
 
355
  
 
(d,f)



5.62%
  
08/15/43
  
 
182,272
  
  
 
39,388
  
 
(g,i)



8.00%
  
02/01/23 - 07/01/24
  
 
1,564
  
  
 
328
  
 
(g)



 
Federal National Mortgage Assoc. REMIC

  



  



 




0.51%
  
12/25/22
  
 
552
  
  
 
534
  
 
(d,f)



1.22%
  
12/25/42
  
 
47,594
  
  
 
1,581
  
 
(g,i)



5.00%
  
09/25/40
  
 
100,758
  
  
 
10,820
  
 
(g)



5.58%
  
07/25/38
  
 
21,757
  
  
 
3,003
  
 
(g,i)



7.08%
  
05/25/18
  
 
38,471
  
  
 
2,165
  
 
(g,i)



8.00%
  
05/25/22
  
 
2
  
  
 
28
  
 
(g)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
22 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Federal National Mortgage Assoc. STRIPS

  



  



 




4.50%
  
08/25/35 - 01/25/36
  
$
29,356
  
  
$
5,281
  
 
(g)



5.00%
  
03/25/38 - 05/25/38
  
 
16,661
  
  
 
3,016
  
 
(g)



5.50%
  
12/25/33
  
 
5,065
  
  
 
990
  
 
(g)



6.00%
  
01/25/35
  
 
13,557
  
  
 
2,797
  
 
(g)



7.50%
  
11/25/23
  
 
15,170
  
  
 
3,252
  
 
(g)



8.00%
  
08/25/23 - 07/25/24
  
 
3,254
  
  
 
691
  
 
(g)



8.50%
  
03/25/17 - 07/25/22
  
 
620
  
  
 
74
  
 
(g)



9.00%
  
05/25/22
  
 
457
  
  
 
80
  
 
(g)



 
Government National Mortgage Assoc.

  



  



 




4.50%
  
10/20/37 - 08/16/39
  
 
146,578
  
  
 
9,994
  
 
(g)



5.00%
  
10/20/37 - 09/20/38
  
 
62,980
  
  
 
3,719
  
 
(g) 



5.85%
  
02/20/40
  
 
77,252
  
  
 
13,218
  
 
(g,i) 



6.46%
  
01/16/40
  
 
126,101
  
  
 
23,302
  
 
(g,i) 




  

  



  
 
153,079
  
 











 
Corporate Notes — 14.5%

  



  



 











 
21st Century Fox America Inc.

  



  



 




3.70%
  
10/15/25
  
 
23,000
  
  
 
22,959
  
 
(b) 



4.95%
  
10/15/45
  
 
9,000
  
  
 
8,864
  
 
(b) 



6.65%
  
11/15/37
  
 
55,000
  
  
 
63,913
  
 




 
ABB Finance USA Inc.

  



  



 




1.63%
  
05/08/17
  
 
76,000
  
  
 
76,054
  
 




 
AbbVie Inc.

  



  



 




1.75%
  
11/06/17
  
 
68,000
  
  
 
67,872
  
 




2.00%
  
11/06/18
  
 
57,000
  
  
 
56,761
  
 




2.50%
  
05/14/20
  
 
95,000
  
  
 
94,061
  
 




3.60%
  
05/14/25
  
 
36,000
  
  
 
35,534
  
 




4.70%
  
05/14/45
  
 
20,000
  
  
 
19,559
  
 




 
ACCO Brands Corp.

  



  



 




6.75%
  
04/30/20
  
 
97,000
  
  
 
99,910
  
 




 
ACE INA Holdings Inc.

  



  



 




2.30%
  
11/03/20
  
 
94,000
  
  
 
93,366
  
 




3.15%
  
03/15/25
  
 
66,000
  
  
 
65,267
  
 




3.35%
  
05/03/26
  
 
66,000
  
  
 
65,810
  
 




4.35%
  
11/03/45
  
 
20,000
  
  
 
20,325
  
 




 
Actavis Funding SCS

  



  



 




1.30%
  
06/15/17
  
 
110,000
  
  
 
108,959
  
 




3.00%
  
03/12/20
  
 
47,000
  
  
 
46,963
  
 




3.45%
  
03/15/22
  
 
66,000
  
  
 
66,105
  
 




3.80%
  
03/15/25
  
 
94,000
  
  
 
93,529
  
 




4.75%
  
03/15/45
  
 
10,000
  
  
 
9,749
  
 




 
Activision Blizzard Inc.

  



  



 




5.63%
  
09/15/21
  
 
98,000
  
  
 
102,655
  
 
(b) 



 
Aetna Inc.

  



  



 




3.50%
  
11/15/24
  
 
59,000
  
  
 
58,939
  
 




 
Agrium Inc.

  



  



 




3.38%
  
03/15/25
  
 
23,000
  
  
 
20,996
  
 




4.90%
  
06/01/43
  
 
41,000
  
  
 
36,676
  
 




 
Altria Group Inc.

  



  



 




2.95%
  
05/02/23
  
 
39,000
  
  
 
37,957
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





4.50%
  
05/02/43
  

$

39,000
  
  

$

36,989
  
 




 
American Axle & Manufacturing Inc.

  



  



 




6.25%
  
03/15/21
  
 
52,000
  
  
 
53,820
  
 




6.63%
  
10/15/22
  
 
20,000
  
  
 
20,950
  
 




 
American Campus Communities Operating Partnership LP

  



  



 




3.35%
  
10/01/20
  
 
38,000
  
  
 
37,956
  
 




4.13%
  
07/01/24
  
 
28,000
  
  
 
27,805
  
 




 
American Electric Power Company Inc.

  



  



 




2.95%
  
12/15/22
  
 
75,000
  
  
 
74,126
  
 




 
American Express Co.

  



  



 




3.63%
  
12/05/24
  
 
93,000
  
  
 
91,016
  
 




 
American Express Credit Corp.

  



  



 




2.60%
  
09/14/20
  
 
94,000
  
  
 
94,265
  
 




 
American International Group Inc.

  



  



 




3.75%
  
07/10/25
  
 
94,000
  
  
 
93,215
  
 




4.13%
  
02/15/24
  
 
28,000
  
  
 
28,776
  
 




4.50%
  
07/16/44
  
 
19,000
  
  
 
17,572
  
 




4.80%
  
07/10/45
  
 
47,000
  
  
 
45,446
  
 




 
American Tower Corp. (REIT)

  



  



 




3.40%
  
02/15/19
  
 
142,000
  
  
 
145,690
  
 




 
Amgen Inc.

  



  



 




2.20%
  
05/22/19
  
 
188,000
  
  
 
187,791
  
 




 
Amkor Technology Inc.

  



  



 




6.63%
  
06/01/21
  
 
98,000
  
  
 
97,265
  
 




 
Anadarko Petroleum Corp.

  



  



 




3.45%
  
07/15/24
  
 
19,000
  
  
 
16,888
  
 




6.20%
  
03/15/40
  
 
67,000
  
  
 
61,640
  
 




 
Anheuser-Busch InBev Worldwide Inc.

  



  



 




2.50%
  
07/15/22
  
 
155,000
  
  
 
149,197
  
 




 
Anthem Inc.

  



  



 




3.30%
  
01/15/23
  
 
50,000
  
  
 
48,613
  
 




 
Apache Corp.

  



  



 




5.10%
  
09/01/40
  
 
47,000
  
  
 
40,178
  
 




 
Apple Inc.

  



  



 




2.50%
  
02/09/25
  
 
50,000
  
  
 
47,844
  
 




2.85%
  
05/06/21
  
 
145,000
  
  
 
148,561
  
 




3.45%
  
02/09/45
  
 
45,000
  
  
 
38,739
  
 




 
Aramark Services Inc.

  



  



 




5.75%
  
03/15/20
  
 
105,000
  
  
 
108,609
  
 




 
Ascension Health

  



  



 




4.85%
  
11/15/53
  
 
65,000
  
  
 
70,033
  
 




 
AstraZeneca PLC

  



  



 




2.38%
  
11/16/20
  
 
33,000
  
  
 
32,777
  
 




3.38%
  
11/16/25
  
 
47,000
  
  
 
46,664
  
 




4.38%
  
11/16/45
  
 
19,000
  
  
 
19,041
  
 




 
AT&T Inc.

  



  



 




2.38%
  
11/27/18
  
 
134,000
  
  
 
135,033
  
 




2.45%
  
06/30/20
  
 
93,000
  
  
 
91,624
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
23 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
 
Fair


Value

 
 
 





3.40%
  
05/15/25
  

$

93,000
  
  

$

89,393
  
 




4.50%
  
05/15/35
  
 
47,000
  
  
 
43,473
  
 




4.75%
  
05/15/46
  
 
22,000
  
  
 
20,139
  
 




4.80%
  
06/15/44
  
 
37,000
  
  
 
33,897
  
 




 
AutoNation Inc.

  



  



 




4.50%
  
10/01/25
  
 
66,000
  
  
 
67,004
  
 




 
AutoZone Inc.

  



  



 




3.25%
  
04/15/25
  
 
94,000
  
  
 
90,963
  
 




 
Bank of America Corp.

  



  



 




1.70%
  
08/25/17
  
 
234,000
  
  
 
233,349
  
 




2.60%
  
01/15/19
  
 
81,000
  
  
 
81,275
  
 




2.63%
  
10/19/20
  
 
47,000
  
  
 
46,429
  
 




3.88%
  
08/01/25
  
 
19,000
  
  
 
19,289
  
 




3.95%
  
04/21/25
  
 
106,000
  
  
 
103,229
  
 




4.00%
  
01/22/25
  
 
48,000
  
  
 
47,027
  
 




4.10%
  
07/24/23
  
 
80,000
  
  
 
82,752
  
 




4.25%
  
10/22/26
  
 
85,000
  
  
 
84,145
  
 




 
Barclays Bank PLC

  



  



 




2.25%
  
05/10/17
  
 
500,000
  
  
 
505,322
  
 
(b)



 
Barrick Gold Corp.

  



  



 




4.10%
  
05/01/23
  
 
15,000
  
  
 
12,869
  
 




 
Baxalta Inc.

  



  



 




2.88%
  
06/23/20
  
 
94,000
  
  
 
92,872
  
 
(b)



4.00%
  
06/23/25
  
 
71,000
  
  
 
70,300
  
 
(b)



 
Bed Bath & Beyond Inc.

  



  



 




4.92%
  
08/01/34
  
 
14,000
  
  
 
12,483
  
 




 
Berkshire Hathaway Energy Co.

  



  



 




6.13%
  
04/01/36
  
 
45,000
  
  
 
52,444
  
 




 
Berkshire Hathaway Finance Corp.

  



  



 




3.00%
  
05/15/22
  
 
49,000
  
  
 
49,865
  
 




 
Berkshire Hathaway Inc.

  



  



 




4.50%
  
02/11/43
  
 
39,000
  
  
 
39,240
  
 




 
Berry Plastics Corp.

  



  



 




5.13%
  
07/15/23
  
 
60,000
  
  
 
58,350
  
 




 
BHP Billiton Finance USA Ltd.

  



  



 




5.00%
  
09/30/43
  
 
26,000
  
  
 
23,561
  
 




 
Biogen Inc.

  



  



 




2.90%
  
09/15/20
  
 
48,000
  
  
 
47,895
  
 




4.05%
  
09/15/25
  
 
48,000
  
  
 
48,249
  
 




5.20%
  
09/15/45
  
 
18,000
  
  
 
18,005
  
 




 
Bombardier Inc.

  



  



 




4.75%
  
04/15/19
  
 
38,000
  
  
 
31,255
  
 
(b)



6.00%
  
10/15/22
  
 
37,000
  
  
 
25,937
  
 
(b)



7.75%
  
03/15/20
  
 
334,000
  
  
 
269,705
  
 
(b)



 
Boston Scientific Corp.

  



  



 




3.85%
  
05/15/25
  
 
45,000
  
  
 
44,285
  
 




 
BP Capital Markets PLC

  



  



 




1.38%
  
05/10/18
  
 
56,000
  
  
 
55,201
  
 




3.81%
  
02/10/24
  
 
49,000
  
  
 
48,991
  
 




 
Building Materials Corporation of America

  



  



 




5.38%
  
11/15/24
  
 
118,000
  
  
 
117,705
  
 
(b)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Burlington Northern Santa Fe LLC

  



  



 




3.65%
  
09/01/25
  

$

75,000
  
  

$

76,006
  
 




 
Calpine Corp.

  



  



 




5.75%
  
01/15/25
  
 
57,000
  
  
 
50,303
  
 




5.88%
  
01/15/24
  
 
129,000
  
  
 
132,225
  
 
(b)



 
Calumet Specialty Products Partners LP/Calumet Finance Corp.

  



  



 




6.50%
  
04/15/21
  
 
98,000
  
  
 
85,260
  
 




 
Canadian Pacific Railway Co.

  



  



 




2.90%
  
02/01/25
  
 
115,000
  
  
 
108,259
  
 




 
Capital One Financial Corp.

  



  



 




4.20%
  
10/29/25
  
 
94,000
  
  
 
92,859
  
 




 
Capital One NA

  



  



 




2.35%
  
08/17/18
  
 
250,000
  
  
 
250,515
  
 




 
Caterpillar Inc.

  



  



 




4.30%
  
05/15/44
  
 
30,000
  
  
 
28,949
  
 




 
Catholic Health Initiatives

  



  



 




2.60%
  
08/01/18
  
 
30,000
  
  
 
30,124
  
 




4.35%
  
11/01/42
  
 
24,000
  
  
 
22,445
  
 




 
CBS Corp.

  



  



 




3.70%
  
08/15/24
  
 
73,000
  
  
 
71,031
  
 




 
CCO Safari II LLC

  



  



 




3.58%
  
07/23/20
  
 
71,000
  
  
 
70,593
  
 
(b)



4.91%
  
07/23/25
  
 
71,000
  
  
 
70,930
  
 
(b)



6.38%
  
10/23/35
  
 
9,000
  
  
 
9,083
  
 
(b)



6.48%
  
10/23/45
  
 
19,000
  
  
 
19,007
  
 
(b)



 
Celgene Corp.

  



  



 




3.88%
  
08/15/25
  
 
94,000
  
  
 
93,701
  
 




5.00%
  
08/15/45
  
 
47,000
  
  
 
47,180
  
 




 
CenturyLink Inc.

  



  



 




5.80%
  
03/15/22
  
 
196,000
  
  
 
179,634
  
 




 
Cequel Capital Corp.

  



  



 




5.13%
  
12/15/21
  
 
96,000
  
  
 
86,400
  
 
(b)



 
Chevron Corp.

  



  



 




3.33%
  
11/17/25
  
 
66,000
  
  
 
66,476
  
 




 
Cigna Corp.

  



  



 




3.25%
  
04/15/25
  
 
94,000
  
  
 
92,316
  
 




 
Cinemark USA Inc.

  



  



 




4.88%
  
06/01/23
  
 
98,000
  
  
 
95,550
  
 




 
Citigroup Inc.

  



  



 




1.55%
  
08/14/17
  
 
206,000
  
  
 
205,167
  
 




1.75%
  
05/01/18
  
 
228,000
  
  
 
226,086
  
 




1.85%
  
11/24/17
  
 
45,000
  
  
 
44,936
  
 




2.05%
  
12/07/18
  
 
85,000
  
  
 
84,549
  
 




2.65%
  
10/26/20
  
 
94,000
  
  
 
93,317
  
 




4.40%
  
06/10/25
  
 
47,000
  
  
 
47,493
  
 




4.65%
  
07/30/45
  
 
75,000
  
  
 
75,857
  
 




 
CMS Energy Corp.

  



  



 




4.88%
  
03/01/44
  
 
47,000
  
  
 
47,660
  
 




 
CNA Financial Corp.

  



  



 




5.88%
  
08/15/20
  
 
60,000
  
  
 
66,513
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
24 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Cogeco Cable Inc.

  



  



 




4.88%
  
05/01/20
  

$

75,000
  
  

$

74,812
  
 
(b)



 
Colgate-Palmolive Co.

  



  



 




4.00%
  
08/15/45
  
 
47,000
  
  
 
47,104
  
 




 
Columbia Pipeline Group Inc.

  



  



 




3.30%
  
06/01/20
  
 
66,000
  
  
 
64,291
  
 
(b)



4.50%
  
06/01/25
  
 
47,000
  
  
 
42,600
  
 
(b)



 
Comcast Corp.

  



  



 




3.38%
  
08/15/25
  
 
159,000
  
  
 
161,063
  
 




4.20%
  
08/15/34
  
 
48,000
  
  
 
47,541
  
 




4.60%
  
08/15/45
  
 
45,000
  
  
 
45,559
  
 




 
ConocoPhillips Co.

  



  



 




3.35%
  
11/15/24
  
 
94,000
  
  
 
86,007
  
 




 
Continental Resources Inc.

  



  



 




3.80%
  
06/01/24
  
 
20,000
  
  
 
14,094
  
 




4.50%
  
04/15/23
  
 
18,000
  
  
 
12,940
  
 




4.90%
  
06/01/44
  
 
11,000
  
  
 
6,635
  
 




 
Corp Andina de Fomento

  



  



 




4.38%
  
06/15/22
  
 
121,000
  
  
 
128,817
  
 




 
Crown Americas LLC/Crown Americas Capital Corp. IV

  



  



 




4.50%
  
01/15/23
  
 
116,000
  
  
 
113,390
  
 




 
CSX Corp.

  



  



 




4.50%
  
08/01/54
  
 
29,000
  
  
 
26,304
  
 




 
CubeSmart LP

  



  



 




4.00%
  
11/15/25
  
 
26,000
  
  
 
25,816
  
 




 
CVS Health Corp.

  



  



 




2.25%
  
08/12/19
  
 
143,000
  
  
 
142,865
  
 




3.88%
  
07/20/25
  
 
94,000
  
  
 
95,950
  
 




5.13%
  
07/20/45
  
 
69,000
  
  
 
72,687
  
 




 
Daimler Finance North America LLC

  



  



 




2.38%
  
08/01/18
  
 
150,000
  
  
 
150,228
  
 
(b)



 
Danaher Corp.

  



  



 




2.40%
  
09/15/20
  
 
46,000
  
  
 
46,004
  
 




3.35%
  
09/15/25
  
 
48,000
  
  
 
48,757
  
 




4.38%
  
09/15/45
  
 
26,000
  
  
 
26,856
  
 




 
Denbury Resources Inc.

  



  



 




5.50%
  
05/01/22
  
 
98,000
  
  
 
32,534
  
 




6.38%
  
08/15/21
  
 
54,000
  
  
 
19,440
  
 




 
Devon Energy Corp.

  



  



 




5.85%
  
12/15/25
  
 
38,000
  
  
 
36,960
  
 




 
Dexia Credit Local S.A.

  



  



 




2.25%
  
01/30/19
  
 
250,000
  
  
 
251,627
  
 
(b)



 
Diageo Investment Corp.

  



  



 




2.88%
  
05/11/22
  
 
105,000
  
  
 
104,092
  
 




 
DigitalGlobe Inc.

  



  



 




5.25%
  
02/01/21
  
 
81,000
  
  
 
68,040
  
 
(b)



 
DIRECTV Holdings LLC/DIRECTV Financing Company Inc.

  



  



 




4.45%
  
04/01/24
  
 
72,000
  
  
 
73,957
  
 




 
Dollar General Corp.

  



  



 




1.88%
  
04/15/18
  
 
95,000
  
  
 
94,086
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





4.13%
  
07/15/17
  

$

94,000
  
  

$

96,531
  
 




4.15%
  
11/01/25
  
 
47,000
  
  
 
46,721
  
 




 
Dollar Tree Inc.

  



  



 




5.75%
  
03/01/23
  
 
117,000
  
  
 
121,972
  
 
(b)



 
Dominion Resources Inc.

  



  



 




1.95%
  
08/15/16
  
 
154,000
  
  
 
154,387
  
 




 
Dr Pepper Snapple Group Inc.

  



  



 




3.40%
  
11/15/25
  
 
94,000
  
  
 
92,347
  
 




 
Duke Energy Progress LLC

  



  



 




4.15%
  
12/01/44
  
 
30,000
  
  
 
29,299
  
 




 
Eastman Chemical Co.

  



  



 




3.60%
  
08/15/22
  
 
93,000
  
  
 
92,596
  
 




 
Ecopetrol S.A.

  



  



 




5.88%
  
05/28/45
  
 
24,000
  
  
 
17,040
  
 




 
Electricite de France S.A.

  



  



 




2.15%
  
01/22/19
  
 
193,000
  
  
 
192,103
  
 
(b)



 
Eli Lilly & Co.

  



  



 




3.70%
  
03/01/45
  
 
10,000
  
  
 
9,353
  
 




 
EMD Finance LLC

  



  



 




3.25%
  
03/19/25
  
 
46,000
  
  
 
43,619
  
 
(b)



 
Energizer Holdings Inc.

  



  



 




5.50%
  
06/15/25
  
 
98,000
  
  
 
92,120
  
 
(b)



 
Energy Transfer Equity LP

  



  



 




5.88%
  
01/15/24
  
 
194,000
  
  
 
158,110
  
 




 
Energy Transfer Partners LP

  



  



 




4.05%
  
03/15/25
  
 
19,000
  
  
 
15,612
  
 




5.15%
  
03/15/45
  
 
33,000
  
  
 
23,327
  
 




6.50%
  
02/01/42
  
 
62,000
  
  
 
50,428
  
 




 
Ensco PLC

  



  



 




4.50%
  
10/01/24
  
 
46,000
  
  
 
31,679
  
 




5.20%
  
03/15/25
  
 
29,000
  
  
 
20,648
  
 




5.75%
  
10/01/44
  
 
17,000
  
  
 
11,200
  
 




 
Enterprise Products Operating LLC

  



  



 




3.70%
  
02/15/26
  
 
95,000
  
  
 
85,286
  
 




 
Equinix Inc.

  



  



 




5.88%
  
01/15/26
  
 
20,000
  
  
 
20,600
  
 




 
ERP Operating LP

  



  



 




4.50%
  
07/01/44
  
 
19,000
  
  
 
19,067
  
 




 
European Investment Bank

  



  



 




4.88%
  
01/17/17
  
 
150,000
  
  
 
155,957
  
 




 
FedEx Corp.

  



  



 




3.20%
  
02/01/25
  
 
30,000
  
  
 
29,203
  
 




 
Five Corners Funding Trust

  



  



 




4.42%
  
11/15/23
  
 
200,000
  
  
 
208,819
  
 
(b)



 
Florida Power & Light Co.

  



  



 




4.13%
  
02/01/42
  
 
92,000
  
  
 
91,562
  
 




 
Freeport-McMoRan Inc.

  



  



 




4.55%
  
11/14/24
  
 
26,000
  
  
 
14,885
  
 




 
Fresenius Medical Care US Finance Inc.

  



  



 




5.75%
  
02/15/21
  
 
123,000
  
  
 
131,610
  
 
(b)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
25 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Frontier Communications Corp.

  



  



 




7.13%
  
03/15/19
  

$

110,000
  
  

$

109,989
  
 




11.00%
  
09/15/25
  
 
89,000
  
  
 
88,110
  
 
(b)



 
General Motors Co.

  



  



 




5.20%
  
04/01/45
  
 
9,000
  
  
 
8,473
  
 




 
General Motors Financial Company Inc.

  



  



 




3.15%
  
01/15/20
  
 
66,000
  
  
 
65,413
  
 




3.20%
  
07/13/20
  
 
188,000
  
  
 
185,105
  
 




4.30%
  
07/13/25
  
 
94,000
  
  
 
91,212
  
 




 
Georgia-Pacific LLC

  



  



 




3.60%
  
03/01/25
  
 
140,000
  
  
 
138,448
  
 
(b)



 
Gilead Sciences Inc.

  



  



 




2.55%
  
09/01/20
  
 
45,000
  
  
 
45,004
  
 




3.65%
  
03/01/26
  
 
50,000
  
  
 
50,444
  
 




4.80%
  
04/01/44
  
 
51,000
  
  
 
51,161
  
 




 
Halliburton Co.

  



  



 




2.70%
  
11/15/20
  
 
47,000
  
  
 
46,476
  
 




3.80%
  
11/15/25
  
 
47,000
  
  
 
45,794
  
 




5.00%
  
11/15/45
  
 
28,000
  
  
 
27,659
  
 




 
HCA Inc.

  



  



 




4.75%
  
05/01/23
  
 
160,000
  
  
 
158,400
  
 




6.50%
  
02/15/20
  
 
138,000
  
  
 
150,351
  
 




 
HSBC USA Inc.

  



  



 




2.75%
  
08/07/20
  
 
141,000
  
  
 
141,074
  
 




 
Hyundai Capital America

  



  



 




2.13%
  
10/02/17
  
 
35,000
  
  
 
34,792
  
 
(b)



 
Illinois Tool Works Inc.

 
  

  



 




3.50%
  
03/01/24
  
 
95,000
  
  
 
97,670
  
 




 
Ingersoll-Rand Luxembourg Finance S.A.

  



  



 




3.55%
  
11/01/24
  
 
65,000
  
  
 
63,640
  
 




 
Ingles Markets Inc.

 
  

  



 




5.75%
  
06/15/23
  
 
92,000
  
  
 
91,770
  
 




 
Intel Corp.

 
  

  



 




2.45%
  
07/29/20
  
 
47,000
  
  
 
47,558
  
 




 
Intelsat Jackson Holdings S.A.

  



  



 




5.50%
  
08/01/23
  
 
96,000
  
  
 
75,360
  
 




 
Interstate Power & Light Co.

 
  

  



 




3.40%
  
08/15/25
  
 
150,000
  
  
 
150,904
  
 




 
Invesco Finance PLC

 
  

  



 




3.13%
  
11/30/22
  
 
107,000
  
  
 
105,558
  
 




 
JB Poindexter & Company Inc.

  



  



 




9.00%
  
04/01/22
  
 
23,000
  
  
 
24,035
  
 
(b)



 
JBS USA LLC/JBS USA Finance Inc.

  



  



 




5.75%
  
06/15/25
  
 
78,000
  
  
 
67,860
  
 
(b)



5.88%
  
07/15/24
  
 
53,000
  
  
 
47,965
  
 
(b)



 
Jefferies Group LLC

  



  



 




5.13%
  
01/20/23
  
 
83,000
  
  
 
82,354
  
 




6.50%
  
01/20/43
  
 
26,000
  
  
 
24,038
  
 




 
Johnson Controls Inc.

  



  



 




4.63%
  
07/02/44
  
 
46,000
  
  
 
38,985
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
JPMorgan Chase & Co.

  



  



 




2.55%
  
10/29/20
  

$

94,000
  
  

$

93,163
  
 




3.88%
  
09/10/24
  
 
190,000
  
  
 
189,098
  
 




5.00%
  
12/29/49
  
 
68,000
  
  
 
64,600
  
 
(i)



6.10%
  
10/29/49
  
 
110,000
  
  
 
110,561
  
 
(i)



 
KB Home

 
  

  



 




7.00%
  
12/15/21
  
 
116,000
  
  
 
114,405
  
 




 
Keysight Technologies Inc.

  



  



 




4.55%
  
10/30/24
  
 
95,000
  
  
 
91,336
  
 




 
KFW

  



  



 




2.00%
  
10/04/22
  
 
246,000
  
  
 
242,033
  
 




4.50%
  
07/16/18
  
 
102,000
  
  
 
109,652
  
 




 
Kinder Morgan Energy Partners LP

  



  



 




3.50%
  
09/01/23
  
 
22,000
  
  
 
18,251
  
 




4.30%
  
05/01/24
  
 
50,000
  
  
 
42,994
  
 




 
Kinder Morgan Inc.

  



  



 




3.05%
  
12/01/19
  
 
19,000
  
  
 
17,591
  
 




4.30%
  
06/01/25
  
 
38,000
  
  
 
32,849
  
 




5.55%
  
06/01/45
  
 
28,000
  
  
 
21,866
  
 




 
Kinross Gold Corp.

  



  



 




6.88%
  
09/01/41
  
 
5,000
  
  
 
2,740
  
 




 
Kraft Heinz Foods Co.

 
  

  



 




2.80%
  
07/02/20
  
 
141,000
  
  
 
140,669
  
 
(b)



3.95%
  
07/15/25
  
 
122,000
  
  
 
123,181
  
 
(b)



 
L Brands Inc.

 
  

  



 




5.63%
  
02/15/22
  
 
102,000
  
  
 
108,375
  
 




 
L-3 Communications Corp.

  



  



 




1.50%
  
05/28/17
  
 
65,000
  
  
 
64,194
  
 




 
Lee Enterprises Inc.

 
  

  



 




9.50%
  
03/15/22
  
 
78,000
  
  
 
71,760
  
 
(b)



 
Lennar Corp.

  



  



 




4.50%
  
11/15/19
  
 
118,000
  
  
 
119,991
  
 




4.75%
  
05/30/25
  
 
39,000
  
  
 
38,123
  
 




 
Levi Strauss & Co.

 
  

  



 




5.00%
  
05/01/25
  
 
59,000
  
  
 
58,705
  
 




 
Lockheed Martin Corp.

  



  



 




2.50%
  
11/23/20
  
 
66,000
  
  
 
65,768
  
 




3.55%
  
01/15/26
  
 
94,000
  
  
 
94,483
  
 




3.80%
  
03/01/45
  
 
20,000
  
  
 
17,715
  
 




4.70%
  
05/15/46
  
 
21,000
  
  
 
21,609
  
 




 
Lowe’s Companies Inc.

  



  



 




4.38%
  
09/15/45
  
 
35,000
  
  
 
35,975
  
 




 
LyondellBasell Industries N.V.

  



  



 




4.63%
  
02/26/55
  
 
19,000
  
  
 
15,408
  
 




 
Marathon Petroleum Corp.

 
  

  



 




3.63%
  
09/15/24
  
 
95,000
  
  
 
88,572
  
 




 
Marsh & McLennan Companies Inc.

  



  



 




3.50%
  
03/10/25
  
 
68,000
  
  
 
66,983
  
 




3.75%
  
03/14/26
  
 
65,000
  
  
 
65,004
  
 




 
Mattel Inc.

 
  

  



 




2.35%
  
05/06/19
  
 
143,000
  
  
 
141,810
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
26 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
McDonald’s Corp.

  



  



 




2.75%
  
12/09/20
  

$

25,000
  
  

$

24,988
  
 




3.70%
  
01/30/26
  
 
59,000
  
  
 
58,966
  
 




4.88%
  
12/09/45
  
 
20,000
  
  
 
20,108
  
 




 
Mead Johnson Nutrition Co.

 
  

  



 




3.00%
  
11/15/20
  
 
66,000
  
  
 
66,010
  
 




4.13%
  
11/15/25
  
 
66,000
  
  
 
66,531
  
 




 
Medtronic Inc.

 
  

  



 




2.50%
  
03/15/20
  
 
28,000
  
  
 
28,206
  
 




3.50%
  
03/15/25
  
 
187,000
  
  
 
189,214
  
 




4.63%
  
03/15/45
  
 
120,000
  
  
 
123,723
  
 




 
Memorial Sloan-Kettering Cancer Center

  



  



 




4.13%
  
07/01/52
  
 
30,000
  
  
 
27,985
  
 




 
Merck & Company Inc.

 
  

  



 




2.75%
  
02/10/25
  
 
95,000
  
  
 
92,492
  
 




 
MetLife Inc.

 
  

  



 




3.60%
  
11/13/25
  
 
47,000
  
  
 
47,362
  
 




4.05%
  
03/01/45
  
 
24,000
  
  
 
22,236
  
 




4.72%
  
12/15/44
  
 
28,000
  
  
 
28,595
  
 




 
MGM Resorts International

  



  



 




5.25%
  
03/31/20
  
 
59,000
  
  
 
58,410
  
 




6.63%
  
12/15/21
  
 
98,000
  
  
 
100,327
  
 




 
Microsoft Corp.

 
  

  



 




4.00%
  
02/12/55
  
 
45,000
  
  
 
40,391
  
 




 
Mid-America Apartments LP

  



  



 




4.00%
  
11/15/25
  
 
47,000
  
  
 
46,694
  
 




 
Mizuho Bank Ltd.

 
  

  



 




2.45%
  
04/16/19
  
 
200,000
  
  
 
200,146
  
 
(b)



 
Monsanto Co.

 
  

  



 




4.70%
  
07/15/64
  
 
27,000
  
  
 
20,501
  
 




 
Morgan Stanley

  



  



 




2.65%
  
01/27/20
  
 
45,000
  
  
 
44,893
  
 




3.70%
  
10/23/24
  
 
145,000
  
  
 
145,710
  
 




3.95%
  
04/23/27
  
 
94,000
  
  
 
91,274
  
 




4.00%
  
07/23/25
  
 
46,000
  
  
 
47,409
  
 




4.10%
  
05/22/23
  
 
154,000
  
  
 
155,684
  
 




4.88%
  
11/01/22
  
 
10,000
  
  
 
10,619
  
 




5.00%
  
11/24/25
  
 
36,000
  
  
 
38,238
  
 




 
Motorola Solutions Inc.

 
  

  



 




4.00%
  
09/01/24
  
 
33,000
  
  
 
28,641
  
 




 
National Retail Properties Inc.

  



  



 




4.00%
  
11/15/25
  
 
47,000
  
  
 
46,178
  
 




 
NCL Corporation Ltd.

 
  

  



 




4.63%
  
11/15/20
  
 
49,000
  
  
 
47,982
  
 
(b)



 
Newfield Exploration Co.

  



  



 




5.63%
  
07/01/24
  
 
36,000
  
  
 
30,690
  
 




5.75%
  
01/30/22
  
 
89,000
  
  
 
78,765
  
 




 
Newmont Mining Corp.

 
  

  



 




4.88%
  
03/15/42
  
 
37,000
  
  
 
26,433
  
 




 
Nexen Energy ULC

 
  

  



 




6.40%
  
05/15/37
  
 
41,000
  
  
 
45,855
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
NIKE Inc.

  



  



 




3.88%
  
11/01/45
  

$

47,000
  
  

$

45,321
  
 




 
Noble Energy Inc.

 
  

  



 




3.90%
  
11/15/24
  
 
56,000
  
  
 
49,870
  
 




 
Northern States Power Co.

  



  



 




2.20%
  
08/15/20
  
 
94,000
  
  
 
93,366
  
 




 
Northrop Grumman Corp.

  



  



 




3.85%
  
04/15/45
  
 
11,000
  
  
 
9,890
  
 




 
Novartis Capital Corp.

 
  

  



 




3.00%
  
11/20/25
  
 
124,000
  
  
 
122,238
  
 




4.00%
  
11/20/45
  
 
62,000
  
  
 
60,670
  
 




 
NRG Energy Inc.

 
  

  



 




6.25%
  
07/15/22
  
 
59,000
  
  
 
51,183
  
 




 
Occidental Petroleum Corp.

  



  



 




3.50%
  
06/15/25
  
 
94,000
  
  
 
91,864
  
 




 
Omnicom Group Inc.

  



  



 




3.63%
  
05/01/22
  
 
31,000
  
  
 
31,303
  
 




 
Oracle Corp.

  



  



 




2.25%
  
10/08/19
  
 
187,000
  
  
 
189,019
  
 




2.95%
  
05/15/25
  
 
95,000
  
  
 
92,754
  
 




4.13%
  
05/15/45
  
 
17,000
  
  
 
16,090
  
 




 
Owens & Minor Inc.

  



  



 




3.88%
  
09/15/21
  
 
95,000
  
  
 
94,630
  
 




 
Pacific Gas & Electric Co.

  



  



 




3.40%
  
08/15/24
  
 
140,000
  
  
 
140,581
  
 




 
PacifiCorp

  

  



  



 




6.25%
  
10/15/37
  
 
132,000
  
  
 
163,271
  
 




 
Penn National Gaming Inc.

  



  



 




5.88%
  
11/01/21
  
 
58,000
  
  
 
56,260
  
 




 
PepsiCo Inc.

  



  



 




3.10%
  
07/17/22
  
 
24,000
  
  
 
24,614
  
 




4.25%
  
10/22/44
  
 
28,000
  
  
 
27,783
  
 




4.60%
  
07/17/45
  
 
28,000
  
  
 
29,606
  
 




 
Petrobras Global Finance BV

  



  



 




3.50%
  
02/06/17
  
 
76,000
  
  
 
71,060
  
 




3.88%
  
01/27/16
  
 
34,000
  
  
 
33,864
  
 




 
Petroleos Mexicanos

  



  



 




3.50%
  
01/30/23
  
 
41,000
  
  
 
35,773
  
 




 
Pfizer Inc.

  



  



 




4.40%
  
05/15/44
  
 
29,000
  
  
 
29,449
  
 




 
Philip Morris International Inc.

  



  



 




4.13%
  
03/04/43
  
 
39,000
  
  
 
36,870
  
 




 
Phillips 66 Partners LP

  



  



 




2.65%
  
02/15/20
  
 
28,000
  
  
 
26,428
  
 




3.61%
  
02/15/25
  
 
47,000
  
  
 
41,272
  
 




 
Pitney Bowes Inc.

  



  



 




4.63%
  
03/15/24
  
 
81,000
  
  
 
79,388
  
 




 
Plains All American Pipeline LP/PAA Finance Corp.

  



  



 




4.65%
  
10/15/25
  
 
28,000
  
  
 
24,456
  
 




 
Precision Castparts Corp.

  



  



 




4.38%
  
06/15/45
  
 
28,000
  
  
 
28,056
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
27 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Principal Financial Group Inc.

  



  



 




4.70%
  
05/15/55
  

$

95,000
  
  

$

94,430
  
 
(i)



 
Prologis LP

  



  



 




3.75%
  
11/01/25
  
 
47,000
  
  
 
46,622
  
 




 
Prudential Financial Inc.

  



  



 




5.38%
  
05/15/45
  
 
47,000
  
  
 
46,941
  
 
(i)



5.63%
  
06/15/43
  
 
46,000
  
  
 
47,035
  
 
(i)



 
Public Service Electric & Gas Co.

  



  



 




2.38%
  
05/15/23
  
 
117,000
  
  
 
112,092
  
 




 
QUALCOMM Inc.

  



  



 




2.25%
  
05/20/20
  
 
37,000
  
  
 
36,657
  
 




3.45%
  
05/20/25
  
 
34,000
  
  
 
32,617
  
 




4.80%
  
05/20/45
  
 
32,000
  
  
 
28,445
  
 




 
Quest Diagnostics Inc.

  



  



 




4.70%
  
03/30/45
  
 
28,000
  
  
 
25,214
  
 




 
Regency Energy Partners LP/Regency Energy Finance Corp.

  



  



 




4.50%
  
11/01/23
  
 
66,000
  
  
 
57,126
  
 




 
Revlon Consumer Products Corp.

  



  



 




5.75%
  
02/15/21
  
 
152,000
  
  
 
147,060
  
 




Reynolds American Inc.
  



  



 




4.45%
  
06/12/25
  
 
28,000
  
  
 
29,300
  
 




 
Rio Tinto Finance USA Ltd.

  



  



 




3.75%
  
06/15/25
  
 
24,000
  
  
 
21,803
  
 




 
Rogers Communications Inc.

  



  



 




5.00%
  
03/15/44
  
 
30,000
  
  
 
30,182
  
 




 
Rowan Companies Inc.

  



  



 




5.85%
  
01/15/44
  
 
19,000
  
  
 
11,465
  
 




 
Royal Bank of Canada

  



  



 




1.20%
  
09/19/17
  
 
323,000
  
  
 
321,491
  
 




 
Ryder System Inc.

  



  



 




2.45%
  
09/03/19
  
 
116,000
  
  
 
114,316
  
 




 
Schaeffler Holding Finance BV (6.25% Cash/7.00% PIK)

  



  



 




6.25%
  
11/15/19
  
 
200,000
  
  
 
209,000
  
 
(b,n)



 
Schaeffler Holding Finance BV (6.88% Cash/7.63% PIK)

  



  



 




6.88%
  
08/15/18
  
 
200,000
  
  
 
206,000
  
 
(b,n)



 
Schlumberger Holdings Corp.

  



  



 




3.00%
  
12/21/20
  
 
128,000
  
  
 
126,365
  
 
(b)



4.00%
  
12/21/25
  
 
85,000
  
  
 
83,921
  
 
(b)



 
Sealed Air Corp.

  



  



 




4.88%
  
12/01/22
  
 
59,000
  
  
 
59,148
  
 
(b)



5.13%
  
12/01/24
  
 
59,000
  
  
 
59,000
  
 
(b)



 
Shell International Finance BV

  



  



 




2.25%
  
11/10/20
  
 
94,000
  
  
 
92,590
  
 




3.40%
  
08/12/23
  
 
141,000
  
  
 
140,198
  
 




 
Sinclair Television Group Inc.

  



  



 




5.38%
  
04/01/21
  
 
103,000
  
  
 
103,257
  
 




 
Sinopec Capital 2013 Ltd.

  



  



 




3.13%
  
04/24/23
  
 
200,000
  
  
 
190,658
  
 
(b)



 
Southern California Edison Co.

  



  



 




2.40%
  
02/01/22
  
 
35,000
  
  
 
34,323
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Spectra Energy Partners LP

  



  



 




4.75%
  
03/15/24
  

$

48,000
  
  

$

46,518
  
 




 
Sprint Corp.

  



  



 




7.25%
  
09/15/21
  
 
52,000
  
  
 
38,740
  
 




7.63%
  
02/15/25
  
 
114,000
  
  
 
83,220
  
 




 
State Street Corp.

  



  



 




3.55%
  
08/18/25
  
 
100,000
  
  
 
103,160
  
 
(e)



 
Statoil ASA

  



  



 




3.70%
  
03/01/24
  
 
42,000
  
  
 
42,574
  
 




3.95%
  
05/15/43
  
 
23,000
  
  
 
20,775
  
 




 
Sunoco LP/Sunoco Finance Corp.

  



  



 




5.50%
  
08/01/20
  
 
39,000
  
  
 
36,953
  
 
(b)



 
SUPERVALU Inc.

  



  



 




6.75%
  
06/01/21
  
 
97,000
  
  
 
87,785
  
 




T-Mobile USA Inc.
  



  



 




6.25%
  
04/01/21
  
 
50,000
  
  
 
51,625
  
 




6.50%
  
01/15/26
  
 
29,000
  
  
 
29,275
  
 




6.63%
  
04/01/23
  
 
98,000
  
  
 
99,960
  
 




 
Tampa Electric Co.

  



  



 




4.35%
  
05/15/44
  
 
47,000
  
  
 
46,043
  
 




 
Target Corp.

  



  



 




3.50%
  
07/01/24
  
 
59,000
  
  
 
61,244
  
 




 
TD Ameritrade Holding Corp.

  



  



 




2.95%
  
04/01/22
  
 
48,000
  
  
 
47,578
  
 




 
Teachers Insurance & Annuity Association of America

  



  



 




4.90%
  
09/15/44
  
 
95,000
  
  
 
95,955
  
 
(b)



 
Teck Resources Ltd.

  



  



 




2.50%
  
02/01/18
  
 
27,000
  
  
 
20,520
  
 




3.15%
  
01/15/17
  
 
39,000
  
  
 
35,100
  
 




 
Tenet Healthcare Corp.

  



  



 




4.75%
  
06/01/20
  
 
196,000
  
  
 
196,980
  
 




6.00%
  
10/01/20
  
 
96,000
  
  
 
101,040
  
 




 
The Allstate Corp.

  



  



 




5.75%
  
08/15/53
  
 
52,000
  
  
 
53,456
  
 
(i)



 
The Boeing Co.

  



  



 




1.65%
  
10/30/20
  
 
47,000
  
  
 
46,012
  
 




2.60%
  
10/30/25
  
 
47,000
  
  
 
45,500
  
 




2.85%
  
10/30/24
  
 
140,000
  
  
 
138,680
  
 




 
The Coca-Cola Co.

  



  



 




2.88%
  
10/27/25
  
 
94,000
  
  
 
92,687
  
 




 
The Dow Chemical Co.

  



  



 




4.25%
  
10/01/34
  
 
43,000
  
  
 
38,800
  
 




 
The Goldman Sachs Group Inc.

  



  



 




2.38%
  
01/22/18
  
 
92,000
  
  
 
92,801
  
 




2.60%
  
04/23/20
  
 
95,000
  
  
 
94,784
  
 




2.63%
  
01/31/19
  
 
53,000
  
  
 
53,386
  
 




2.90%
  
07/19/18
  
 
62,000
  
  
 
63,213
  
 




3.75%
  
05/22/25
  
 
78,000
  
  
 
78,552
  
 




4.00%
  
03/03/24
  
 
47,000
  
  
 
48,265
  
 




4.25%
  
10/21/25
  
 
82,000
  
  
 
81,424
  
 




4.80%
  
07/08/44
  
 
102,000
  
  
 
101,316
  
 




5.15%
  
05/22/45
  
 
47,000
  
  
 
45,623
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
28 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
The Home Depot Inc.

  



  



 




3.35%
  
09/15/25
  

$

66,000
  
  

$

67,483
  
 




 
The Korea Development Bank

  



  



 




3.25%
  
03/09/16
  
 
122,000
  
  
 
122,482
  
 




 
The Kroger Co.

  



  



 




2.95%
  
11/01/21
  
 
65,000
  
  
 
64,370
  
 




 
The Progressive Corp.

  



  



 




3.70%
  
01/26/45
  
 
36,000
  
  
 
32,581
  
 




 
The Toronto-Dominion Bank

  



  



 




2.50%
  
12/14/20
  
 
85,000
  
  
 
84,962
  
 




 
The Walt Disney Co.

  



  



 




2.15%
  
09/17/20
  
 
31,000
  
  
 
30,996
  
 




3.15%
  
09/17/25
  
 
14,000
  
  
 
14,161
  
 




 
The Williams Companies Inc.

  



  



 




8.75%
  
03/15/32
  
 
18,000
  
  
 
13,569
  
 




 
TIAA Asset Management Finance Company LLC

  



  



 




4.13%
  
11/01/24
  
 
48,000
  
  
 
48,189
  
 
(b)



 
Time Inc.

  



  



 




5.75%
  
04/15/22
  
 
99,000
  
  
 
90,585
  
 
(b)



 
Time Warner Cable Inc.

  



  



 




4.50%
  
09/15/42
  
 
9,000
  
  
 
7,063
  
 




6.55%
  
05/01/37
  
 
28,000
  
  
 
28,320
  
 




 
Time Warner Inc.

  



  



 




3.60%
  
07/15/25
  
 
102,000
  
  
 
99,340
  
 




3.88%
  
01/15/26
  
 
86,000
  
  
 
85,293
  
 




5.35%
  
12/15/43
  
 
85,000
  
  
 
84,805
  
 




 
Tyco Electronics Group S.A.

  



  



 




2.35%
  
08/01/19
  
 
95,000
  
  
 
94,689
  
 




 
Tyco International Finance S.A.

  



  



 




5.13%
  
09/14/45
  
 
30,000
  
  
 
31,126
  
 




 
Tyson Foods Inc.

  



  



 




2.65%
  
08/15/19
  
 
48,000
  
  
 
48,039
  
 




3.95%
  
08/15/24
  
 
32,000
  
  
 
32,857
  
 




5.15%
  
08/15/44
  
 
32,000
  
  
 
33,418
  
 




 
U.S. Bancorp

  



  



 




3.44%
  
02/01/16
  
 
118,000
  
  
 
118,151
  
 




5.13%
  
12/29/49
  
 
94,000
  
  
 
94,442
  
 
(i)



 
Ultra Petroleum Corp.

  



  



 




6.13%
  
10/01/24
  
 
99,000
  
  
 
22,523
  
 
(b)



 
United Rentals North America Inc.

  



  



 




6.13%
  
06/15/23
  
 
77,000
  
  
 
78,732
  
 




 
UnitedHealth Group Inc.

  



  



 




2.70%
  
07/15/20
  
 
111,000
  
  
 
112,206
  
 




4.75%
  
07/15/45
  
 
74,000
  
  
 
77,871
  
 




 
Valeant Pharmaceuticals International Inc.

  



  



 




6.13%
  
04/15/25
  
 
78,000
  
  
 
69,615
  
 
(b)



6.38%
  
10/15/20
  
 
71,000
  
  
 
68,515
  
 
(b)



 
Ventas Realty LP

  



  



 




4.13%
  
01/15/26
  
 
40,000
  
  
 
39,873
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Verizon Communications Inc.

  



  



 




1.35%
  
06/09/17
  

$

230,000
  
  

$

229,345
  
 




3.50%
  
11/01/24
  
 
46,000
  
  
 
45,457
  
 




4.15%
  
03/15/24
  
 
93,000
  
  
 
95,632
  
 




4.40%
  
11/01/34
  
 
47,000
  
  
 
43,364
  
 




4.67%
  
03/15/55
  
 
32,000
  
  
 
27,759
  
 




4.86%
  
08/21/46
  
 
47,000
  
  
 
44,465
  
 




5.05%
  
03/15/34
  
 
29,000
  
  
 
28,876
  
 




5.15%
  
09/15/23
  
 
68,000
  
  
 
74,762
  
 




6.55%
  
09/15/43
  
 
32,000
  
  
 
37,990
  
 




 
Visa Inc.

  



  



 




2.80%
  
12/14/22
  
 
60,000
  
  
 
60,108
  
 




3.15%
  
12/14/25
  
 
60,000
  
  
 
60,127
  
 




4.30%
  
12/14/45
  
 
28,000
  
  
 
28,380
  
 




 
Volkswagen Group of America Finance LLC

  



  



 




2.13%
  
05/23/19
  
 
234,000
  
  
 
222,062
  
 
(b)



 
W.R. Grace & Co.

  



  



 




5.13%
  
10/01/21
  
 
35,000
  
  
 
35,350
  
 
(b)



5.63%
  
10/01/24
  
 
98,000
  
  
 
98,980
  
 
(b)



 
Wal-Mart Stores Inc.

  



  



 




4.30%
  
04/22/44
  
 
88,000
  
  
 
89,725
  
 




 
Wells Fargo & Co.

  



  



 




2.55%
  
12/07/20
  
 
85,000
  
  
 
84,574
  
 




3.00%
  
02/19/25
  
 
47,000
  
  
 
45,719
  
 




3.90%
  
05/01/45
  
 
47,000
  
  
 
43,334
  
 




4.10%
  
06/03/26
  
 
60,000
  
  
 
60,570
  
 




4.30%
  
07/22/27
  
 
38,000
  
  
 
38,823
  
 




5.88%
  
12/29/49
  
 
66,000
  
  
 
69,465
  
 
(i)



5.90%
  
12/29/49
  
 
62,000
  
  
 
62,542
  
 
(i)



 
Williams Partners LP

  



  



 




5.40%
  
03/04/44
  
 
9,000
  
  
 
6,030
  
 




 
Windstream Services LLC

  



  



 




6.38%
  
08/01/23
  
 
73,000
  
  
 
52,560
  
 




 
WMG Acquisition Corp.

  



  



 




6.00%
  
01/15/21
  
 
20,000
  
  
 
20,100
  
 
(b)



 
WPP Finance 2010

  



  



 




3.75%
  
09/19/24
  
 
95,000
  
  
 
94,559
  
 




 
WPX Energy Inc.

  



  



 




5.25%
  
01/15/17
  
 
75,000
  
  
 
70,125
  
 




 
XLIT Ltd.

  



  



 




5.25%
  
12/15/43
  
 
40,000
  
  
 
41,366
  
 




 
Zimmer Biomet Holdings Inc.

  



  



 




3.55%
  
04/01/25
  
 
47,000
  
  
 
45,696
  
 






  
 
30,359,517
  
 








 
Non-Agency Collateralized Mortgage Obligations — 3.2%



 
American Tower Trust I (REIT)

  



  



 




1.55%
  
03/15/43
  
 
117,000
  
  
 
114,267
  
 
(b)



 
Banc of America Commercial Mortgage Trust 2006-4

  



  



 




5.68%
  
07/10/46
  
 
30,000
  
  
 
30,625
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
29 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Banc of America Commercial Mortgage Trust 2007-1

  



  



 




5.48%
  
01/15/49
  

$

160,000
  
  

$

163,836
  
 
(i)



 
Banc of America Commercial Mortgage Trust 2007-4

  



  



 




5.74%
  
02/10/51
  
 
17,177
  
  
 
17,871
  
 
(i)



 
Banc of America Commercial Mortgage Trust 2008-1

  



  



 




6.22%
  
02/10/51
  
 
189,612
  
  
 
200,801
  
 
(i)



 
Banc of America Merrill Lynch Commercial Mortgage Inc. 2005-1

  



  



 




5.34%
  
11/10/42
  
 
17,234
  
  
 
17,215
  
 
(i)



 
Banc of America Merrill Lynch Commercial Mortgage Trust 2014-520M

  



  



 




4.18%
  
08/15/46
  
 
38,035
  
  
 
39,294
  
 
(b,i)



 
Bear Stearns Commercial Mortgage Securities Trust 2006-T22

  



  



 




5.62%
  
04/12/38
  
 
40,000
  
  
 
40,270
  
 
(i)



 
Bear Stearns Commercial Mortgage Securities Trust 2007-PW18

  



  



 




6.09%
  
06/11/50
  
 
80,000
  
  
 
84,895
  
 
(i)



 
Citigroup Commercial Mortgage Trust 2014-GC23

  



  



 




4.51%
  
07/10/47
  
 
192,000
  
  
 
160,132
  
 
(b,i)



 
Citigroup Commercial Mortgage Trust 2015-GC33

  



  



 




3.17%
  
09/10/58
  
 
39,319
  
  
 
27,478
  
 




 
Citigroup Commercial Mortgage Trust 2015-P1

  



  



 




3.72%
  
09/15/48
  
 
161,993
  
  
 
165,080
  
 




 
COMM 2014-CR14 Mortgage Trust

  



  



 




4.53%
  
02/10/47
  
 
55,000
  
  
 
59,008
  
 
(i)



 
COMM 2014-CR19 Mortgage Trust

  



  



 




4.72%
  
08/10/47
  
 
100,000
  
  
 
86,502
  
 
(b,i)



 
COMM 2014-CR20 Mortgage Trust

  



  



 




4.51%
  
11/10/47
  
 
48,472
  
  
 
47,110
  
 
(i)



 
COMM 2014-CR21 Mortgage Trust

  



  



 




3.99%
  
12/10/47
  
 
93,831
  
  
 
96,582
  
 




 
COMM 2015-CR23 Mortgage Trust

  



  



 




4.26%
  
05/10/48
  
 
46,009
  
  
 
42,392
  
 
(i)



 
COMM 2015-CR24 Mortgage Trust

  



  



 




3.46%
  
08/10/55
  
 
100,000
  
  
 
74,125
  
 




3.70%
  
08/10/55
  
 
78,578
  
  
 
79,860
  
 




4.37%
  
08/10/55
  
 
70,790
  
  
 
67,398
  
 
(i)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
COMM 2015-LC19 Mortgage Trust

  



  



 




2.87%
  
02/10/48
  

$

104,000
  
  

$

77,385
  
 
(b)



 
COMM 2015-PC1 Mortgage Trust

  



  



 




4.44%
  
07/10/50
  
 
46,053
  
  
 
45,848
  
 
(i)



 
Core Industrial Trust 2015-CALW

  



  



 




3.25%
  
02/10/34
  
 
100,000
  
  
 
99,400
  
 
(b)



 
Credit Suisse Commercial Mortgage Trust 2006-C1

  



  



 




5.46%
  
02/15/39
  
 
114,614
  
  
 
114,514
  
 
(i)



 
CSAIL 2015-C3 Commercial Mortgage Trust

  



  



 




3.36%
  
08/15/48
  
 
47,194
  
  
 
34,116
  
 
(i)



4.11%
  
08/15/48
  
 
62,926
  
  
 
61,638
  
 
(i)



 
GS Mortgage Securities Trust 2011-GC5

  



  



 




3.00%
  
08/10/44
  
 
78,834
  
  
 
79,228
  
 




5.31%
  
08/10/44
  
 
30,000
  
  
 
33,052
  
 
(b,i)



 
GS Mortgage Securities Trust 2014-GC20

  



  



 




4.26%
  
04/10/47
  
 
50,000
  
  
 
52,248
  
 




 
GS Mortgage Securities Trust 2014-NEW

  



  



 




3.79%
  
01/10/31
  
 
100,000
  
  
 
99,823
  
 
(b)



 
GS Mortgage Securities Trust 2015-GC28

  



  



 




1.17%
  
02/10/48
  
 
993,504
  
  
 
68,108
  
 
(g,i)



 
GS Mortgage Securities Trust 2015-GC32

  



  



 




3.35%
  
07/10/48
  
 
43,241
  
  
 
31,495
  
 




4.41%
  
07/10/48
  
 
20,300
  
  
 
19,540
  
 
(i)



 
GS Mortgage Securities Trust 2015-GC34

  



  



 




2.98%
  
10/10/48
  
 
103,476
  
  
 
71,848
  
 




 
GS Mortgage Securities Trust 2015-GS1

  



  



 




3.27%
  
11/10/48
  
 
113,380
  
  
 
82,047
  
 




 
JP Morgan Chase Commercial Mortgage Securities Trust 2007-CB18

  



  



 




5.44%
  
06/12/47
  
 
90,156
  
  
 
92,317
  
 




 
JPMBB Commercial Mortgage Securities Trust 2013-C12

  



  



 




4.03%
  
07/15/45
  
 
25,000
  
  
 
25,981
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2013-C15

  



  



 




5.08%
  
11/15/45
  
 
40,000
  
  
 
41,590
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2013-C17

  



  



 




4.89%
  
01/15/47
  
 
71,000
  
  
 
71,633
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2014-C18

  



  



 




4.81%
  
02/15/47
  
 
50,000
  
  
 
49,901
  
 
(i)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
30 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
JPMBB Commercial Mortgage Securities Trust 2015-C29

  



  



 




3.70%
  
05/15/48
  

$

85,183
  
  

$

63,584
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2015-C30

  



  



 




4.31%
  
07/15/48
  
 
78,620
  
  
 
69,993
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2015-C31

  



  



 




3.80%
  
08/15/48
  
 
117,952
  
  
 
120,607
  
 




 
LB-UBS Commercial Mortgage
Trust 2004-C8

  



  



 




0.47%
  
12/15/39
  
 
27,238
  
  
 
141
  
 
(b,g,i)



 
LB-UBS Commercial Mortgage
Trust 2006-C4

  



  



 




5.82%
  
06/15/38
  
 
24,769
  
  
 
24,986
  
 
(i)



 
LB-UBS Commercial Mortgage
Trust 2007-C6

  



  



 




6.11%
  
07/15/40
  
 
120,000
  
  
 
125,327
  
 
(b)



6.11%
  
07/15/40
  
 
52,305
  
  
 
54,623
  
 
(i)



 
MASTR Alternative Loan Trust 2003-5

  



  



 




5.00%
  
08/25/18
  
 
4,430
  
  
 
184
  
 
(g)



 
ML-CFC Commercial Mortgage
Trust 2006-3

  



  



 




5.46%
  
07/12/46
  
 
110,000
  
  
 
111,802
  
 
(i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2013-C10

  



  



 




4.08%
  
07/15/46
  
 
89,000
  
  
 
86,549
  
 
(i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2014-C15

  



  



 




4.90%
  
04/15/47
  
 
200,000
  
  
 
181,397
  
 
(b,i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2014-C18

  



  



 




3.39%
  
10/15/47
  
 
100,000
  
  
 
77,087
  
 
(b)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2014-C19

  



  



 




3.25%
  
12/15/47
  
 
100,000
  
  
 
74,448
  
 
(b)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2015-C20

  



  



 




1.42%
  
02/15/48
  
 
728,361
  
  
 
62,888
  
 
(g,i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2015-C21

  



  



 




0.99%
  
03/15/48
  
 
869,643
  
  
 
56,077
  
 
(g,i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2015-C22

  



  



 




3.88%
  
04/15/48
  
 
82,660
  
  
 
80,736
  
 
(i)



4.24%
  
04/15/48
  
 
206,915
  
  
 
167,966
  
 
(b,i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2015-C23

  



  



 




4.14%
  
07/15/50
  
 
203,800
  
  
 
164,883
  
 
(b,i)



 
Morgan Stanley Bank of America
Merrill Lynch Trust 2015-C24

  



  



 




3.73%
  
05/15/48
  
 
183,686
  
  
 
187,292
  
 




4.35%
  
05/15/48
  
 
157,312
  
  
 
155,864
  
 
(i)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Morgan Stanley Capital I Trust 2005-T17

  



  



 




4.84%
  
12/13/41
  

$

11,802
  
  

$

11,845
  
 
(i)



 
Morgan Stanley Capital I
Trust 2006-IQ11

  



  



 




5.78%
  
10/15/42
  
 
40,000
  
  
 
39,971
  
 
(i)



 
Morgan Stanley Capital I Trust 2006-T21

  



  



 




5.27%
  
10/12/52
  
 
40,336
  
  
 
40,313
  
 
(i)



 
Morgan Stanley Capital I Trust 2006-T23

  



  



 




5.85%
  
08/12/41
  
 
24,983
  
  
 
25,158
  
 
(i)



 
Morgan Stanley Capital I
Trust 2007-IQ16

  



  



 




6.05%
  
12/12/49
  
 
80,000
  
  
 
83,879
  
 
(i)



 
Morgan Stanley Capital I Trust 2008-T29

  



  



 




6.27%
  
01/11/43
  
 
50,000
  
  
 
53,570
  
 
(i)



 
Morgan Stanley Capital I Trust 2015-MS1

  



  



 




4.03%
  
05/15/48
  
 
100,000
  
  
 
78,562
  
 
(b,i)



 
Morgan Stanley Capital I Trust 2015-UBS8

  



  



 




3.81%
  
12/15/48
  
 
171,169
  
  
 
174,089
  
 




 
Wells Fargo Commercial Mortgage
Trust 2015-C26

  



  



 




1.41%
  
02/15/48
  
 
990,077
  
  
 
85,346
  
 
(g,i)



 
Wells Fargo Commercial Mortgage
Trust 2015-C29

  



  



 




4.01%
  
06/15/48
  
 
138,309
  
  
 
141,047
  
 




4.22%
  
06/15/48
  
 
64,245
  
  
 
50,475
  
 
(i)



 
Wells Fargo Commercial Mortgage
Trust 2015-C30

  



  



 




4.50%
  
09/15/58
  
 
39,326
  
  
 
31,986
  
 
(b,i)



 
Wells Fargo Commercial Mortgage
Trust 2015-C31

  



  



 




3.70%
  
11/15/48
  
 
78,643
  
  
 
79,739
  
 




 
Wells Fargo Commercial Mortgage
Trust 2015-LC22

  



  



 




4.54%
  
09/15/58
  
 
39,338
  
  
 
32,153
  
 
(i)



 
Wells Fargo Commercial Mortgage
Trust 2015-NXS2

  



  



 




4.25%
  
07/15/58
  
 
39,311
  
  
 
30,972
  
 
(i)



 
Wells Fargo Commercial Mortgage Trust 2015-P2

  



  



 




4.90%
  
12/15/48
  
 
199,241
  
  
 
194,868
  
 
(i)



 
Wells Fargo Commercial Mortgage Trust 2015-SG1

  



  



 




3.79%
  
12/15/47
  
 
102,189
  
  
 
104,514
  
 




4.47%
  
12/15/47
  
 
39,317
  
  
 
37,050
  
 
(i)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
31 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
WFRBS Commercial Mortgage Trust 2013-C17

  



  



 




4.26%
  
12/15/46
  

$

55,000
  
  

$

58,137
  
 




5.13%
  
12/15/46
  
 
40,000
  
  
 
38,080
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2013-C18

  



  



 




4.67%
  
12/15/46
  
 
47,667
  
  
 
44,304
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-C19

  



  



 




4.23%
  
03/15/47
  
 
78,742
  
  
 
66,103
  
 
(b)



4.72%
  
03/15/47
  
 
65,000
  
  
 
68,103
  
 
(i)



 
WFRBS Commercial Mortgage Trust 2014-C22

  



  



 




3.91%
  
09/15/57
  
 
124,695
  
  
 
100,597
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-C24

  



  



 




3.69%
  
11/15/47
  
 
156,648
  
  
 
120,436
  
 
(b)



 
WFRBS Commercial Mortgage Trust 2014-C25

  



  



 




3.80%
  
11/15/47
  
 
23,000
  
  
 
17,591
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-LC14

  



  



 




4.35%
  
03/15/47
  
 
123,000
  
  
 
129,792
  
 
(i)



4.59%
  
03/15/47
  
 
130,681
  
  
 
111,893
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2015-C31

  



  



 




3.85%
  
11/15/48
  
 
19,659
  
  
 
14,443
  
 






  
 
6,797,903
  
 











 
Sovereign Bonds — 0.4%

  



  



 




 
Government of Argentina

  



  



 




2.50%
  
12/31/38
  
 
9
  
  
 
6
  
 
(o)



 
Government of Colombia

  



  



 




2.63%
  
03/15/23
  
 
200,000
  
  
 
175,700
  
 




 
Government of Mexico

  



  



 




3.60%
  
01/30/25
  
 
205,000
  
  
 
199,772
  
 




4.00%
  
10/02/23
  
 
46,000
  
  
 
46,598
  
 




4.75%
  
03/08/44
  
 
176,000
  
  
 
160,336
  
 




 
Government of Peru

  



  



 




4.13%
  
08/25/27
  
 
27,000
  
  
 
26,460
  
 




5.63%
  
11/18/50
  
 
15,000
  
  
 
15,300
  
 




 
Government of Turkey

  



  



 




3.25%
  
03/23/23
  
 
200,000
  
  
 
183,211
  
 






  
 
807,383
  
 










 
Municipal Bonds and Notes — 0.2%

 
  

  



 




 
American Municipal Power Inc.

  



  



 




6.27%
  
02/15/50
  
 
50,000
  
  
 
58,146
  
 




 
Municipal Electric Authority of Georgia

  



  



 




6.64%
  
04/01/57
  
 
54,000
  
  
 
64,806
  
 




 
New Jersey Transportation Trust Fund Authority

  



  



 




6.88%
  
12/15/39
  
 
15,000
  
  
 
15,719
  
 






























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Port Authority of New York & New Jersey

  



  



 




4.46%
  
10/01/62
  

$

95,000
  
  

$

91,302
  
 




 
South Carolina State Public Service Authority

  



  



 




6.45%
  
01/01/50
  
 
40,000
  
  
 
50,103
  
 




 
State of California

  



  



 




5.70%
  
11/01/21
  
 
55,000
  
  
 
64,520
  
 




 
State of Illinois

  



  



 




5.10%
  
06/01/33
  
 
30,000
  
  
 
28,370
  
 






  
 
372,966
  
 











 
FNMA (TBA) — 0.0%*

  



  



 











 
Lehman TBA

  



  



 




5.50%
  
TBA
  
 
38,818
  
  
 
2,135
  
 
(o,q)










 
Total Bonds and Notes
(Cost $66,388,778)

  



  
 
65,469,789
  
 





  

  



  



 




 
  
 
  
Number
of Shares		
 
  
Fair
Value		
 
 
 



 
Exchange Traded Funds —
4.6%










 
Financial Select Sector SPDR Fund

  
 
8,884
  
  
$
211,262
  
 
(p)



 
Industrial Select Sector SPDR Fund

  
 
16,195
  
  
 
858,497
  
 
(p)



 
Vanguard FTSE Emerging Markets ETF

  
 
262,019
  
  
 
8,570,641
  
 











 
Total Exchange Traded Funds
(Cost $10,768,050)

  



  
 
9,640,400
  
 











 
Total Investments in Securities
(Cost $178,343,016)

  



  
 
184,123,143
  
 





  

  



  



 




 
Short-Term Investments — 13.6%










 
State Street Institutional U.S. Government Money Market Fund — Premier Class

  



  



 




 
0.09%

  



  
$
28,561,801
  
 
(d,h,p)



 
(Cost $28,561,801)

  



  



 











 
Total Investments
(Cost $206,904,817)

  



  
 
212,684,944
  
 











 
Liabilities in Excess of Other
Assets, net — (1.4)%

  



  
 
(2,996,687
) 
 





  

  



  
 
 

 
 

 
 











 
NET ASSETS — 100.0%

  



  
$
209,688,257
  
 





  

  



  
 
 

 
 

 
 





  

  



  



 



 


 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
32 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 
 
 













 
Other Information:


 
Centrally Cleared Credit Default Swaps – Sell Protection 


 











































 
Reference


Entity

 
Counterparty
 
Notional
Amount
(000s
omitted)		
 
Contract
annual
Fixed Rate		
 
Termination
Date		
 
Market
Value		
 
Unamortized
Upfront
Payments
Received		
 
Unrealized
Appreciation





 
Markit CDX North America High Yield Index

 
CME Group Inc.
 
 
$
700
 
 
 
 
5.00
%
 
 
 
12/20/20
 
 
 
$
8,982
 
 
 
$
(3,746
)
 
 
$
12,728
 


 

 
The Fund had the following long futures contracts open at December 31, 2015: 


 




























Description
 
Expiration
date		
 
Number
of
Contracts		
 
Current
Notional
Value		
 
Unrealized
Appreciation
(Depreciation)





 
EURO Stoxx 50 Index Futures

 
March 2016
 
 
 
23
 
 
 
$
820,005
 
 
 
$
4,682
 



 
FTSE 100 Index Futures

 
March 2016
 
 
 
3
 
 
 
 
274,057
 
 
 
 
7,177
 



 
S&P 500 Emini Index Futures

 
March 2016
 
 
 
13
 
 
 
 
1,323,010
 
 
 
 
14,584
 



 
S&P Mid 400 Emini Index Futures

 
March 2016
 
 
 
46
 
 
 
 
6,410,100
 
 
 
 
93,447
 



 
Topix Index Futures

 
March 2016
 
 
 
4
 
 
 
 
514,568
 
 
 
 
8,571
 



 
U.S. Long Bond Futures

 
March 2016
 
 
 
3
 
 
 
 
461,250
 
 
 
 
(6,663
)



 
Ultra Long-Term U.S. Treasury Bond Futures

 
March 2016
 
 
 
6
 
 
 
 
952,125
 
 
 
 
2,705
 



 
2 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
29
 
 
 
 
6,299,797
 
 
 
 
(13,253
)



 
5 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
9
 
 
 
 
1,064,883
 
 
 
 
(3,485
)




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 
$
107,765
 




 

 
 



 
 



 
 
 
 

 
 

 


 
The Fund had the following short futures contracts open at December 31, 2015: 


 




























Description
 
Expiration
date		
 
Number
of
Contracts		
 
Current
Notional
Value		
 
Unrealized
Appreciation
(Depreciation)





 
S&P 500 Emini Index Futures

 
March 2016
 
 
 
45
 
 
 
$
(4,579,650
)
 
 
$
(58,159
)



 
10 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
70
 
 
 
 
(8,813,438
)
 
 
 
57,119
 




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 
$
(1,040
)




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 
$
106,725
 




 

 
 



 
 



 
 
 
 

 
 

 


 

 
The Fund was invested in the following countries/territories at December 31, 2015: 


 
















Country/Territory
 
 
Percentage
(based
on
 
Fair Value)





 
United States

 
 
 
76.44%
  



 
Japan

 
 
 
5.54%
  



 
United Kingdom

 
 
 
3.08%
  



 
France

 
 
 
2.81%
  



 
Germany

 
 
 
2.14%
  



 
Switzerland

 
 
 
1.79%
  



 
Canada

 
 
 
0.99%
  



 
Sweden

 
 
 
0.98%
  



 
China

 
 
 
0.91%
  



 
Ireland

 
 
 
0.85%
  



 
Netherlands

 
 
 
0.80%
  



 
Hong Kong

 
 
 
0.47%
  



 
India

 
 
 
0.39%
  



 
Belgium

 
 
 
0.39%
  



 
Mexico

 
 
 
0.29%
  



 
Taiwan

 
 
 
0.28%
  



 
Luxembourg

 
 
 
0.28%
  



 
Australia

 
 
 
0.27%
  



 
Italy

 
 
 
0.27%
  



 
South Korea

 
 
 
0.25%
  



 
Norway

 
 
 
0.24%
  



 
Supranational

 
 
 
0.13%
  



 
Spain

 
 
 
0.12%
  



 
Colombia

 
 
 
0.09%
  



 
Turkey

 
 
 
0.09%
  



 
Brazil

 
 
 
0.05%
  



 
Bermuda

 
 
 
0.02%
  



 
Peru

 
 
 
0.02%
  



 
Cayman Islands

 
 
 
0.02%
  



 
Argentina

 
 
 
0.00%
** 




 
 
 
 

 
 

 




 
 
 
100.00%
  




 
 
 
 

 
 

 


 


 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
33 








Table of Contents














 
Elfun Diversified Fund

 
December 31, 2015
 
 
 



LOGO
 


 

 
The Fund’s % share of investment in the various categories, based on Fair Value, is as follows at
December 31, 2015 (unaudited): 
 
 


























Industry
 
Domestic
 
Foreign
 
Total





 
Diversified Banks

 
 
 
2.30%
  
 
 
 
2.54%
  
 
 
 
4.84%
  



 
Pharmaceuticals

 
 
 
2.86%
  
 
 
 
1.71%
  
 
 
 
4.57%
  



 
Exchange Traded Funds

 
 
 
4.53%
  
 
 
 
0.00%
  
 
 
 
4.53%
  



 
Internet Software & Services

 
 
 
1.79%
  
 
 
 
0.79%
  
 
 
 
2.58%
  



 
Integrated Oil & Gas

 
 
 
1.49%
  
 
 
 
0.76%
  
 
 
 
2.25%
  



 
Healthcare Equipment

 
 
 
0.88%
  
 
 
 
1.02%
  
 
 
 
1.90%
  



 
Biotechnology

 
 
 
1.83%
  
 
 
 
0.00%
  
 
 
 
1.83%
  



 
Communications Equipment

 
 
 
1.26%
  
 
 
 
0.33%
  
 
 
 
1.59%
  



 
Aerospace & Defense

 
 
 
1.10%
  
 
 
 
0.47%
  
 
 
 
1.57%
  



 
Technology Hardware, Storage & Peripherals

 
 
 
1.30%
  
 
 
 
0.18%
  
 
 
 
1.48%
  



 
Cable & Satellite

 
 
 
1.47%
  
 
 
 
0.00%
  
 
 
 
1.47%
  



 
Asset Management & Custody Banks

 
 
 
1.37%
  
 
 
 
0.00%
  
 
 
 
1.37%
  



 
Multi-Line Insurance

 
 
 
0.66%
  
 
 
 
0.32%
  
 
 
 
0.98%
  



 
Life & Health Insurance

 
 
 
0.16%
  
 
 
 
0.81%
  
 
 
 
0.97%
  



 
Industrial Machinery

 
 
 
0.43%
  
 
 
 
0.48%
  
 
 
 
0.91%
  



 
Movies & Entertainment

 
 
 
0.70%
  
 
 
 
0.19%
  
 
 
 
0.89%
  



 
Property & Casualty Insurance

 
 
 
0.00%
  
 
 
 
0.86%
  
 
 
 
0.86%
  



 
Electronic Equipment & Instruments

 
 
 
0.00%
  
 
 
 
0.79%
  
 
 
 
0.79%
  



 
Diversified Real Estate Activities

 
 
 
0.00%
  
 
 
 
0.75%
  
 
 
 
0.75%
  



 
Packaged Foods & Meats

 
 
 
0.37%
  
 
 
 
0.36%
  
 
 
 
0.73%
  



 
Automobile Manufacturers

 
 
 
0.20%
  
 
 
 
0.53%
  
 
 
 
0.73%
  



 
Internet Retail

 
 
 
0.51%
  
 
 
 
0.21%
  
 
 
 
0.72%
  



 
Oil & Gas Equipment & Services

 
 
 
0.45%
  
 
 
 
0.26%
  
 
 
 
0.71%
  



 
Wireless Telecommunication Services

 
 
 
0.00%
  
 
 
 
0.71%
  
 
 
 
0.71%
  



 
Specialized Finance

 
 
 
0.70%
  
 
 
 
0.00%
  
 
 
 
0.70%
  



 
Specialized REITs

 
 
 
0.69%
  
 
 
 
0.00%
  
 
 
 
0.69%
  



 
Semiconductor Equipment

 
 
 
0.37%
  
 
 
 
0.32%
  
 
 
 
0.69%
  



 
Data Processing & Outsourced Services

 
 
 
0.69%
  
 
 
 
0.00%
  
 
 
 
0.69%
  



 
Auto Parts & Equipment

 
 
 
0.00%
  
 
 
 
0.68%
  
 
 
 
0.68%
  



 
Soft Drinks

 
 
 
0.68%
  
 
 
 
0.00%
  
 
 
 
0.68%
  



 
Electrical Components & Equipment

 
 
 
0.00%
  
 
 
 
0.67%
  
 
 
 
0.67%
  



 
Home Improvement Retail

 
 
 
0.58%
  
 
 
 
0.00%
  
 
 
 
0.58%
  



 
Systems Software

 
 
 
0.53%
  
 
 
 
0.00%
  
 
 
 
0.53%
  



 
Application Software

 
 
 
0.25%
  
 
 
 
0.24%
  
 
 
 
0.49%
  



 
Airlines

 
 
 
0.35%
  
 
 
 
0.13%
  
 
 
 
0.48%
  



 
Building Products

 
 
 
0.00%
  
 
 
 
0.47%
  
 
 
 
0.47%
  



 
Consumer Finance

 
 
 
0.46%
  
 
 
 
0.00%
  
 
 
 
0.46%
  



 
Research & Consulting Services

 
 
 
0.43%
  
 
 
 
0.00%
  
 
 
 
0.43%
  



 
Specialty Chemicals

 
 
 
0.00%
  
 
 
 
0.43%
  
 
 
 
0.43%
  



 
Oil & Gas Exploration & Production

 
 
 
0.41%
  
 
 
 
0.00%
  
 
 
 
0.41%
  



 
Brewers

 
 
 
0.00%
  
 
 
 
0.39%
  
 
 
 
0.39%
  



 
Investment Banking & Brokerage

 
 
 
0.34%
  
 
 
 
0.00%
  
 
 
 
0.34%
  



 
Electric Utilities

 
 
 
0.23%
  
 
 
 
0.11%
  
 
 
 
0.34%
  



 
General Merchandise Stores

 
 
 
0.31%
  
 
 
 
0.00%
  
 
 
 
0.31%
  



 
Healthcare Services

 
 
 
0.00%
  
 
 
 
0.30%
  
 
 
 
0.30%
  



 
Railroads

 
 
 
0.06%
  
 
 
 
0.24%
  
 
 
 
0.30%
  



 
Fertilizers & Agricultural Chemicals

 
 
 
0.30%
  
 
 
 
0.00%
  
 
 
 
0.30%
  



 
Semiconductors

 
 
 
0.00%
  
 
 
 
0.28%
  
 
 
 
0.28%
  



 
Agricultural Products

 
 
 
0.28%
  
 
 
 
0.00%
  
 
 
 
0.28%
  






























Industry
 
Domestic
 
Foreign
 
Total





 
Multi-Utilities

 
 
 
0.26%
  
 
 
 
0.00%
  
 
 
 
0.26%
  



 
Trading Companies & Distributors

 
 
 
0.25%
  
 
 
 
0.00%
  
 
 
 
0.25%
  



 
Advertising

 
 
 
0.00%
  
 
 
 
0.24%
  
 
 
 
0.24%
  



 
Healthcare Distributors

 
 
 
0.23%
  
 
 
 
0.00%
  
 
 
 
0.23%
  



 
Construction Materials

 
 
 
0.00%
  
 
 
 
0.23%
  
 
 
 
0.23%
  



 
Household Products

 
 
 
0.09%
  
 
 
 
0.13%
  
 
 
 
0.22%
  



 
Personal Products

 
 
 
0.00%
  
 
 
 
0.22%
  
 
 
 
0.22%
  



 
Electronic Components

 
 
 
0.00%
  
 
 
 
0.21%
  
 
 
 
0.21%
  



 
Industrial Gases

 
 
 
0.00%
  
 
 
 
0.21%
  
 
 
 
0.21%
  



 
Healthcare Supplies

 
 
 
0.19%
  
 
 
 
0.00%
  
 
 
 
0.19%
  



 
Integrated Telecommunication Services

 
 
 
0.19%
  
 
 
 
0.00%
  
 
 
 
0.19%
  



 
Apparel, Accessories & Luxury Goods

 
 
 
0.00%
  
 
 
 
0.18%
  
 
 
 
0.18%
  



 
Apparel Retail

 
 
 
0.00%
  
 
 
 
0.15%
  
 
 
 
0.15%
  



 
Security & Alarm Services

 
 
 
0.00%
  
 
 
 
0.14%
  
 
 
 
0.14%
  



 
IT Consulting & Other Services

 
 
 
0.12%
  
 
 
 
0.00%
  
 
 
 
0.12%
  



 
Air Freight & Logistics

 
 
 
0.11%
  
 
 
 
0.00%
  
 
 
 
0.11%
  



 
Leisure Products

 
 
 
0.00%
  
 
 
 
0.11%
  
 
 
 
0.11%
  



 
Casinos & Gaming

 
 
 
0.11%
  
 
 
 
0.00%
  
 
 
 
0.11%
  



 
Diversified Metals & Mining

 
 
 
0.00%
  
 
 
 
0.11%
  
 
 
 
0.11%
  



 
Construction & Engineering

 
 
 
0.00%
  
 
 
 
0.10%
  
 
 
 
0.10%
  



 
Broadcasting

 
 
 
0.09%
  
 
 
 
0.00%
  
 
 
 
0.09%
  



 
Human Resource & Employment Services

 
 
 
0.00%
  
 
 
 
0.09%
  
 
 
 
0.09%
  



 
Drug Retail

 
 
 
0.07%
  
 
 
 
0.00%
  
 
 
 
0.07%
  



 
Regional Banks

 
 
 
0.07%
  
 
 
 
0.00%
  
 
 
 
0.07%
  



 
Automotive Retail

 
 
 
0.07%
  
 
 
 
0.00%
  
 
 
 
0.07%
  



 
Paper Packaging

 
 
 
0.06%
  
 
 
 
0.00%
  
 
 
 
0.06%
  



 
Independent Power Producers & Energy Traders

 
 
 
0.06%
  
 
 
 
0.00%
  
 
 
 
0.06%
  



 
Diversified Chemicals

 
 
 
0.05%
  
 
 
 
0.00%
  
 
 
 
0.05%
  




 
 



 
 



 
 
 
 

 
 

 




 
 



 
 



 
 
 
55.79%
  




 
 



 
 



 
 
 
 

 
 

 


 
 
















Sector
 
  





 
Corporate Notes

 
 
 
14.27%
  



 
Agency Mortgage Backed

 
 
 
7.72%
  



 
U.S. Treasuries

 
 
 
4.96%
  



 
Non-Agency Collateralized Mortgage Obligations

 
 
 
3.20%
  



 
Sovereign Bonds

 
 
 
0.38%
  



 
Municipal Bonds and Notes

 
 
 
0.18%
  



 
Agency Collateralized Mortgage Obligations

 
 
 
0.07%
  



 
FNMA (TBA)

 
 
 
0.00%
** 




 
 
 
 

 
 

 




 
 
 
30.78%
  




 
 
 
 

 
 

 








Short-Term Investments
 
  



 
Short-Term Investments

 
 
 
13.43%
  




 
 
 
 

 
 

 




 
 
 
13.43%
  




 
 
 
 

 
 

 




 
 
 
100.00%
  




 
 
 
 

 
 

 


 


 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
34 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 

 



LOGO
 
 
Michael J.Caufield 


Senior 
 
Vice President


 
The Elfun Tax-Exempt Income Fund is managed by Michael J. Caufield. See
portfolio managers’ biographical information beginning on page 98. 
 
 





Q.
How did the Elfun Tax-Exempt Income Fund perform compared to its benchmark and Morningstar peer group for the twelve-month period ended December 31, 2015? 


 





A.
For the twelve-month period ended December 31, 2015, the Elfun Tax-Exempt Income Fund returned 3.21%. The Barclay’s Capital U.S. Municipal Bond Index (the Index), the Fund’s benchmark, returned 3.30% and
the Fund’s Morningstar peer group of 198 U.S. Long-term Municipal Bond funds returned an average of 3.05% over the same period. 
 
 





Q.
What market conditions affected the Fund’s performance? 
 
 





A.
Financial markets across the globe spent the majority of 2015 in the” hurry up and wait mode” for a return to higher interest rates in the U.S. After several false alarms, the Federal Open Market Committee
finally acted in December, raising the target range of the Fed funds rate by 25 basis points, signaling that rate policy would likely be gradual and economic data dependent. Most asset class sectors lacked conviction and experienced modest losses or
close to break-even returns over the course of 2015. The tax-exempt bond market was the exception to the case however. The tax-exempt sector was the best returning market, outperforming taxable securities substantially on the year, given modest new
issue supply, strong mutual fund flows and a stable macro credit profile. Municipal supply increased by 19% over 2015 yet given low historical rates and favorable relationships with treasuries, many issuers chose to refund their debt while
shortening their debt exposure, leading to a demand/supply imbalance. The municipal yield curve, given such compelling technical fundamentals, flattened late in the year with bonds held in the intermediate sector representing the Fund’s largest
exposure, being a key driver of returns.







Q.
What were the primary drivers of Fund performance? 
 
 





A.
Curve placement and a longer duration strategy were key elements in our approach to maximize tax-exempt income in the Fund. Given the relative steepness of the curve inside of eight years, which did not offer sufficient
yield for our objectives, we concentrated exposure within the intermediate sector of the curve and managed exposure to both long dated securities and lower rated issuers, both of which were underweighted to the Index. The fund’s long-term
preference for structure and quality supported competitive with minimal risk while differentiating the Fund from its peers. 
 
 





Q.
Were there any significant changes to the Fund during the period? 
 
 





A.
Over the course of the year, the Fund duration was managed within a tight range varying from neutral in early 2015 to long 8% by year-end. Fund positioning was strongly biased to a flattening yield curve scenario which
began late in 2015 as tax-exempt bonds rallied into year-end. The Fund was positioned throughout the year with income and capital preservation objectives paramount. Our adherence to a conservative investment process continued to provide low
volatility and contribute to consistent long-term returns. 
 


 
 
 
35 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 
 
Understanding Your Fund’s Expenses 


 

 
As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional
fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual
funds. 
 
To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period.
The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015. 


Actual Expenses 
 
The first section of the table provides
information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by
$1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during



 

the period” to estimate the expenses you paid on your account during the period. 
 
Hypothetical
Example for Comparison Purposes 
 
The second section of the table provides information about hypothetical account values and hypothetical expenses based on
the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account
balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the
shareholders reports of other funds. 
 
Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do
not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different
funds. 
 

 
 
 
July 1, 2015 – December 31,
2015 
 
 























  
    


Account value at


the beginning of


the period ($)

 
    


Account value


at the end of
the period ($)

 
    
 
Expenses


paid during


the period ($)*

 












 
Actual Fund Return

    
 
1,000.00
  
    
 
1,033.00
  
    
 
0.77
  










 
Hypothetical 5% Return
(2.5% for the period)

    
 
1,000.00
  
    
 
1,024.45
  
    
 
0.77
  


 
 





*
 
Expenses are equal to the Fund’s annualized net expense ratio of 0.15%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period, multiplied by
184/365 (to reflect the one-half year period). 
 
 





**
 
May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data. 

 
 
 
36 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 












Investment Profile
 
A mutual fund designed for
investors who seek as high a level of current interest income exempt from federal income taxation as is available from a concentration of investments in municipal bonds consistent with prudent investment management and the preservation of capital.
The Fund seeks to achieve its investment objective by investing primarily in investment-grade municipal obligations. 
 
 











Quality Ratings
 
(as a % of Fair Value of
Investments of $1,598,346 (in thousands) on December 31, 2015) (a)(b) 
 
 















Moody’s / S&P /Rating *
  
 
Percentage of


Fair Value

 










 
Aaa / AAA

  
 
12.6%
  








 
Aa / AA

  
 
51.7%
  








 
A / A

  
 
31.5%
  








 
Baa / BBB

  
 
1.4%
  








 
Ba / BB and lower

  
 
1.0%
  








 
NR / Other

  
 
1.8%
  


 
 











Sector Allocation


Portfolio composition as a % of Fair Value of Investments of $1,598,346 (in thousands) on December 31, 2015
(a)(b) 
 
 
 
 


 
 



LOGO
 












Morningstar Performance Comparison
 
Based
on average annual returns for periods ended December 31, 2015 
 
 























  
  
 
One


Year

 
 
 
Five


Year

 
 
 
Ten


Year

 





 
Number of funds in peer group

  
 
198
  
 
 
190
  
 
 
180
  



 
Peer group average annual total return

  
 
3.05
% 
 
 
5.53
% 
 
 
4.14
% 



 
Morningstar Category in peer group: Muni National Long

 
  


 
 











Change in Value of a $10,000 Investment





LOGO
 
 
 
 



LOGO
 
 
 











Average Annual Total Return


For the periods ended December 31, 2015 
 
 



























(Inception date: 1/1/80)
 
 
  
 
 
  
 



  
 
One
Year		
 
 
Five
Year		
 
 
Ten
Year		
 
 
 
Ending Value of a


$10,000
 
Investment

 





 
Elfun Tax-Exempt Income Fund

 
 
3.21%
  
 
 
5.26%
  
 
 
4.64%
  
 
 
$15,739
  



 
Barclays U.S. Municipal Bond Index

 
 
3.30%
  
 
 
5.35%
  
 
 
4.72%
  
 
 
$15,853
  


 
 

 
 





(a)
Fair Value basis is inclusive of short-term investment in State Street Institutional U.S. Government Money Market Fund Premier Class. 


 





(b)
The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest
as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security. 


See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories. 


Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a
shareholder would pay on Fund distributions or the redemption of Fund shares. 

 
 
 
37 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 














Elfun Tax-Exempt Income Fund


 
 























 
  
 
  


Principal


Amount

 
  


Fair


Value

 
 
 





 
Municipal Bonds and Notes — 98.1%†







 
Alaska — 0.2%










 
Alaska Housing Finance Corp.

  



  



 




5.00%
  
12/01/27
  
$
2,500,000
  
  
$
2,942,000
  
 











 
Arizona — 1.7%

  



  



 











 
City of Phoenix

  



  



 




5.00%
  
07/01/19
  
 
5,000,000
  
  
 
5,321,900
  
 




 
Phoenix Civic Improvement Corp. (FGIC Insured)

  



  



 




5.50%
  
07/01/23 - 07/01/24
  
 
7,260,000
  
  
 
9,222,560
  
 
(m)



 
Salt River Project Agricultural Improvement & Power District

  



  



 




5.00%
  
12/01/21
  
 
10,000,000
  
  
 
11,668,900
  
 




 
University Medical Center Corp.

  



  



 




6.50%
  
07/01/39
  
 
1,000,000
  
  
 
1,179,670
  
 
(l)




  

  



  
 
27,393,030
  
 











 
California — 10.9%

  



  



 











 
Bay Area Toll Authority

  



  



 




5.00%
  
04/01/31
  
 
10,000,000
  
  
 
10,113,500
  
 
(l)



 
California Educational Facilities Authority

  



  



 




5.00%
  
10/01/32
  
 
5,255,000
  
  
 
6,907,014
  
 




5.25%
  
10/01/39
  
 
6,000,000
  
  
 
6,660,600
  
 




6.13%
  
10/01/36
  
 
1,500,000
  
  
 
1,792,365
  
 




 
California Health Facilities Financing Authority

  



  



 




5.50%
  
08/15/26
  
 
5,000,000
  
  
 
5,933,850
  
 




6.00%
  
07/01/39
  
 
5,000,000
  
  
 
5,730,200
  
 




6.50%
  
10/01/33
  
 
3,500,000
  
  
 
4,027,450
  
 
(l)



 
California State Department of Water Resources

  



  



 




5.00%
  
05/01/21 - 12/01/21
  
 
6,585,000
  
  
 
7,866,883
  
 




 
California State Public Works Board

  



  



 




5.00%
  
10/01/28
  
 
1,500,000
  
  
 
1,755,090
  
 




5.13%
  
10/01/31
  
 
2,000,000
  
  
 
2,341,780
  
 




5.25%
  
09/01/29
  
 
10,160,000
  
  
 
12,188,749
  
 




6.00%
  
04/01/26
  
 
8,475,000
  
  
 
9,706,926
  
 




 
Coast Community College District

  



  



 




5.00%
  
08/01/33
  
 
1,260,000
  
  
 
1,520,644
  
 




 
Coast Community College District (AGMC Insured)

  



  



 




5.00%
  
08/01/33
  
 
8,750,000
  
  
 
9,656,762
  
 
(l,m)



 
Kaweah Delta Health Care District

  



  



 




4.00%
  
06/01/45
  
 
2,500,000
  
  
 
2,499,925
  
 




 
Los Angeles Harbor Department

  



  



 




5.00%
  
08/01/26
  
 
8,000,000
  
  
 
9,002,240
  
 




 
Marin Healthcare District

  



  



 




4.00%
  
08/01/45
  
 
2,000,000
  
  
 
2,077,380
  
 




























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
Metropolitan Water District of Southern California

  



  



 




5.00%
  
07/01/35 - 07/01/40
  
$
9,000,000
  
  
$
9,831,290
  
 




 
San Diego Community College District

  



  



 




5.00%
  
08/01/41
  
 
10,000,000
  
  
 
11,253,300
  
 




 
State of California

  



  



 




5.00%
  
02/01/31 - 12/01/43
  
 
18,220,000
  
  
 
21,084,947
  
 




5.25%
  
04/01/35 - 11/01/40
  
 
12,750,000
  
  
 
14,934,972
  
 




 
State of California Department of Water Resources

  



  



 




5.00%
  
12/01/29
  
 
8,150,000
  
  
 
9,912,193
  
 




 
University of California

  



  



 




5.00%
  
05/15/38
  
 
4,000,000
  
  
 
4,636,160
  
 




 
University of California (AMBAC Insured)

  



  



 




5.00%
  
05/15/34
  
 
2,225,000
  
  
 
2,225,757
  
 
(m)




  

  



  
 
173,659,977
  
 











 
Colorado — 1.6%

  



  



 











 
Metro Wastewater Reclamation District

  



  



 




5.00%
  
04/01/27
  
 
1,730,000
  
  
 
2,037,248
  
 




 
Regional Transportation District

  



  



 




4.25%
  
11/01/36
  
 
3,405,000
  
  
 
3,967,915
  
 




5.00%
  
11/01/27 - 11/01/29
  
 
13,760,000
  
  
 
17,062,252
  
 




5.38%
  
06/01/31
  
 
2,500,000
  
  
 
2,814,500
  
 





  

  



  
 
25,881,915
  
 











 
Connecticut — 4.6%

  



  



 











 
Connecticut State Health & Educational Facility Authority

  



  



 




5.00%
  
07/01/40
  
 
6,775,000
  
  
 
7,414,221
  
 




 
Hartford County Metropolitan District

  



  



 




5.00%
  
11/01/42
  
 
9,000,000
  
  
 
10,423,170
  
 




 
South Central Connecticut Regional Water Authority

  



  



 




5.00%
  
08/01/27 - 08/01/28
  
 
3,295,000
  
  
 
3,871,366
  
 




 
State of Connecticut

  



  



 




5.00%
  
01/01/22 - 01/01/24
  
 
8,600,000
  
  
 
10,029,560
  
 




 
State of Connecticut Special Tax Revenue

  



  



 




5.00%
  
11/01/26 - 09/01/34
  
 
35,250,000
  
  
 
40,983,148
  
 




 
Town of Fairfield

  



  



 




5.00%
  
08/01/21
  
 
1,000,000
  
  
 
1,186,920
  
 





  

  



  
 
73,908,385
  
 











 
Delaware — 1.5%

  



  



 











 
County of New Castle

  



  



 




5.00%
  
07/15/33 - 07/15/39
  
 
10,000,000
  
  
 
11,018,600
  
 
(l)



 
Delaware State Health Facilities Authority

  



  



 




5.00%
  
10/01/40
  
 
6,300,000
  
  
 
7,008,057
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
38 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
Delaware Transportation Authority Rev.,

  



  



 




5.00%
  
06/01/45
  
$
4,000,000
  
  
$
4,594,560
  
 




 
State of Delaware

  



  



 




5.00%
  
07/01/28
  
 
1,000,000
  
  
 
1,154,590
  
 





  

  



  
 
23,775,807
  
 











 
District of Columbia — 1.6%

  



  



 











 
District of Columbia

  



  



 




5.00%
  
06/01/38
  
 
3,000,000
  
  
 
3,481,290
  
 




5.50%
  
04/01/36
  
 
15,000,000
  
  
 
16,525,650
  
 




 
District of Columbia Water & Sewer Authority

  



  



 




5.25%
  
10/01/29
  
 
5,000,000
  
  
 
5,577,800
  
 
(l) 




  

  



  
 
25,584,740
  
 











 
Florida — 1.0%

  



  



 











 
Brevard County Health Facilities Authority

  



  



 




7.00%
  
04/01/39
  
 
1,000,000
  
  
 
1,184,580
  
 
(l)



 
City of Tampa Water & Wastewater System Revenue

  



  



 




5.00%
  
10/01/27
  
 
8,560,000
  
  
 
10,066,646
  
 




 
County of Miami-Dade Public Facilities Revenue

  



  



 




4.00%
  
06/01/34 - 06/01/36
  
 
4,970,000
  
  
 
5,097,589
  
 





  

  



  
 
16,348,815
  
 











 
Georgia — 7.4%

  



  



 











 
Athens-Clarke County Unified Government Development Authority

  



  



 




5.00%
  
06/15/31
  
 
6,050,000
  
  
 
6,564,855
  
 




 
Athens-Clarke County Unified Government Water & Sewerage Revenue

  



  



 




5.50%
  
01/01/38
  
 
7,000,000
  
  
 
7,908,950
  
 
(l)



 
Atlanta Development Authority

  



  



 




5.25%
  
07/01/40
  
 
8,925,000
  
  
 
10,427,613
  
 




 
City of Atlanta Department of Aviation

  



  



 




5.00%
  
01/01/25 - 01/01/34
  
 
20,500,000
  
  
 
23,713,195
  
 




 
City of Atlanta Water & Wastewater Revenue

  



  



 




5.25%
  
11/01/30
  
 
5,690,000
  
  
 
6,786,008
  
 




6.25%
  
11/01/39
  
 
10,000,000
  
  
 
11,891,900
  
 
(l)



 
City of Atlanta Water & Wastewater Revenue (AGMC Insured)

  



  



 




5.75%
  
11/01/27 - 11/01/30
  
 
9,500,000
  
  
 
12,704,475
  
 
(m)



 
DeKalb Newton & Gwinnett Counties Joint Development Authority

  



  



 




6.00%
  
07/01/34
  
 
8,500,000
  
  
 
9,673,255
  
 




























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
Fayette County School District (AGMC Insured)

  



  



 




4.80%
  
03/01/22
  

$

2,520,000
  
  

$

2,537,615
  
 
(l,m)



4.85%
  
03/01/23
  
 
2,290,000
  
  
 
2,306,190
  
 
(l,m)



 
Municipal Electric Authority of Georgia

  



  



 




5.00%
  
01/01/35
  
 
2,500,000
  
  
 
2,880,650
  
 




5.25%
  
01/01/19
  
 
2,490,000
  
  
 
2,781,803
  
 




 
State of Georgia

  



  



 




4.00%
  
07/01/32
  
 
3,350,000
  
  
 
3,670,159
  
 




4.50%
  
01/01/29
  
 
3,000,000
  
  
 
3,277,500
  
 




5.00%
  
08/01/22
  
 
4,460,000
  
  
 
4,760,247
  
 
(l)



5.00%
  
08/01/22 - 01/01/26
  
 
4,790,000
  
  
 
5,208,246
  
 





  

  



  
 
117,092,661
  
 











 
Hawaii — 1.9%

  



  



 











 
City & County of Honolulu

  



  



 




5.00%
  
04/01/33
  
 
10,000,000
  
  
 
11,229,600
  
 
(l)



 
State of Hawaii Airports System Revenue

  



  



 




5.25%
  
07/01/24
  
 
15,800,000
  
  
 
18,496,112
  
 





  

  



  
 
29,725,712
  
 








 
Idaho — 1.4%










 
Idaho Health Facilities Authority

  



  



 




6.75%
  
11/01/37
  
 
4,000,000
  
  
 
4,540,640
  
 




 
Idaho Housing & Finance Assoc. (NPFG Insured)

  



  



 




5.00%
  
07/15/22 - 07/15/24
  
 
17,625,000
  
  
 
18,050,644
  
 
(l,m)




  

  



  
 
22,591,284
  
 








 
Illinois — 3.2%










 
City of Chicago O’Hare International Airport Revenue

  



  



 




5.00%
  
01/01/46
  
 
1,000,000
  
  
 
1,109,910
  
 




5.63%
  
01/01/35
  
 
5,000,000
  
  
 
5,773,850
  
 




5.75%
  
01/01/39
  
 
11,500,000
  
  
 
13,364,840
  
 




 
Illinois State Toll Highway Authority

  



  



 




5.00%
  
12/01/32
  
 
10,050,000
  
  
 
11,826,840
  
 
(c)



5.00%
  
01/01/40
  
 
5,000,000
  
  
 
5,727,300
  
 




 
Metropolitan Pier & Exposition Authority (NPFG Insured)

  



  



 




5.40%
  
06/15/19
  
 
1,065,000
  
  
 
1,146,728
  
 
(l,m)



5.40%
  
06/15/19
  
 
2,935,000
  
  
 
3,114,123
  
 
(m)



5.65%
  
06/15/22
  
 
375,000
  
  
 
435,225
  
 
(j,k,m)



5.65%
  
06/15/22
  
 
3,930,000
  
  
 
4,306,887
  
 
(j,m)



 
Southwestern Illinois Development Authority (NPFG Insured)

  



  



 




5.00%
  
10/01/21
  
 
4,000,000
  
  
 
4,666,040
  
 
(m)




  

  



  
 
51,471,743
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
39 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 









 
Indiana — 1.2%










 
Indiana Municipal Power Agency

  



  



 




5.00%
  
01/01/42
  

$

7,000,000
  
  

$

8,039,220
  
 
(c)



5.50%
  
01/01/27
  
 
2,500,000
  
  
 
2,780,875
  
 




 
Indianapolis Local Public Improvement Bond Bank

  



  



 




5.75%
  
01/01/38
  
 
7,000,000
  
  
 
7,848,120
  
 





  

  



  
 
18,668,215
  
 








 
Iowa — 0.8%










 
Iowa Finance Authority

  



  



 




5.00%
  
12/01/19
  
 
7,500,000
  
  
 
7,906,800
  
 




5.25%
  
12/01/25
  
 
5,000,000
  
  
 
5,433,850
  
 





  

  



  
 
13,340,650
  
 








 
Kentucky — 1.8%










 
Kentucky State Property & Building Commission (AGC Insured)

  



  



 




5.25%
  
02/01/27
  
 
10,665,000
  
  
 
11,826,312
  
 
(m)



 
Louisville & Jefferson County Metropolitan Sewer District

  



  



 




5.00%
  
05/15/30
  
 
14,340,000
  
  
 
16,603,569
  
 





  

  



  
 
28,429,881
  
 








 
Louisiana — 2.0%










 
City of New Orleans LA Sewerage Service Revenue

  



  



 




5.00%
  
06/01/44
  
 
7,100,000
  
  
 
7,891,153
  
 




5.00%
  
06/01/45
  
 
1,800,000
  
  
 
2,008,566
  
 




 
East Baton Rouge Sewerage Commission

  



  



 




5.00%
  
02/01/39
  
 
4,000,000
  
  
 
4,596,760
  
 




 
Louisiana Local Government Environmental Facilities & Community Development Authority

  



  



 




5.00%
  
02/01/44
  
 
5,165,000
  
  
 
5,739,968
  
 




 
State of Louisiana

  



  



 




5.00%
  
09/01/19
  
 
10,050,000
  
  
 
11,375,997
  
 





  

  



  
 
31,612,444
  
 








 
Maine — 0.3%










 
Maine Health & Higher Educational Facilities Authority

  



  



 




5.25%
  
07/01/21
  
 
315,000
  
  
 
369,545
  
 
(l)



5.25%
  
07/01/21
  
 
1,475,000
  
  
 
1,712,018
  
 




 
Maine Turnpike Authority

  



  



 




5.00%
  
07/01/42
  
 
1,000,000
  
  
 
1,139,200
  
 




6.00%
  
07/01/34
  
 
1,250,000
  
  
 
1,460,325
  
 
(l)




  

  



  
 
4,681,088
  
 




























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 









 
Maryland — 3.2%










 
City of Baltimore

  



  



 




5.00%
  
07/01/38
  

$

9,375,000
  
  

$

10,712,062
  
 




 
County of Baltimore

  



  



 




5.00%
  
02/01/23
  
 
7,525,000
  
  
 
9,023,228
  
 




 
County of Prince George’s

  



  



 




5.00%
  
09/15/24 - 09/15/25
  
 
8,790,000
  
  
 
10,439,892
  
 




 
Maryland Economic Development Corp.

  



  



 




5.75%
  
06/01/35
  
 
3,000,000
  
  
 
3,282,060
  
 




 
Maryland Health & Higher Educational Facilities Authority

  



  



 




5.00%
  
07/01/34 - 08/15/41
  
 
3,300,000
  
  
 
3,608,522
  
 




 
State of Maryland

  



  



 




5.00%
  
11/01/18
  
 
4,000,000
  
  
 
4,443,680
  
 




 
Washington Suburban Sanitary Commission

  



  



 




4.50%
  
06/01/26
  
 
8,470,000
  
  
 
9,190,966
  
 
(l)




  

  



  
 
50,700,410
  
 








 
Massachusetts — 5.9%










 
Commonwealth of Massachusetts

  



  



 




5.00%
  
06/15/27
  
 
14,000,000
  
  
 
17,125,500
  
 




 
Massachusetts Bay Transportation Authority

  



  



 




5.00%
  
07/01/45
  
 
5,000,000
  
  
 
5,824,750
  
 




 
Massachusetts Department of Transportation

  



  



 




5.00%
  
01/01/37
  
 
11,130,000
  
  
 
12,357,973
  
 




 
Massachusetts Development Finance Agency

  



  



 




5.00%
  
10/01/46
  
 
4,250,000
  
  
 
4,893,153
  
 




 
Massachusetts Health & Educational Facilities Authority

  



  



 




5.00%
  
07/01/34
  
 
10,000,000
  
  
 
11,180,800
  
 




5.50%
  
11/15/36
  
 
4,000,000
  
  
 
4,505,920
  
 




5.75%
  
07/01/39
  
 
5,000,000
  
  
 
5,549,850
  
 
(l)



 
Massachusetts School Building Authority

  



  



 




5.00%
  
08/15/28
  
 
5,000,000
  
  
 
5,958,250
  
 




 
Massachusetts Water Resources Authority

  



  



 




5.00%
  
08/01/32 - 08/01/41
  
 
7,140,000
  
  
 
8,325,323
  
 




6.50%
  
07/15/19
  
 
8,160,000
  
  
 
8,902,723
  
 
(k)



 
University of Massachusetts Building Authority

  



  



 




5.00%
  
11/01/31
  
 
7,450,000
  
  
 
9,012,041
  
 





  

  



  
 
93,636,283
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
40 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 









 
Michigan — 1.1%










 
Lansing Board of Water & Light

  



  



 




5.00%
  
07/01/37
  

$

3,500,000
  
  

$

3,923,080
  
 




 
State of Michigan (AGMC Insured)

  



  



 




5.25%
  
09/15/27
  
 
5,000,000
  
  
 
5,329,300
  
 
(m)



 
State of Michigan Trunk Line Revenue

  



  



 




5.50%
  
11/01/18
  
 
6,000,000
  
  
 
6,730,800
  
 




 
University of Michigan Revenue

  



  



 




5.00%
  
04/01/46
  
 
1,000,000
  
  
 
1,182,850
  
 





  

  



  
 
17,166,030
  
 








 
Missouri — 1.5%










 
Bi-State Development Agency of the Missouri-Illinois Metropolitan District

  



  



 




5.00%
  
10/01/44
  
 
8,010,000
  
  
 
8,918,174
  
 




 
Metropolitan St. Louis Sewer District

  



  



 




5.00%
  
05/01/45
  
 
1,500,000
  
  
 
1,758,240
  
 




 
Missouri Highway & Transportation Commission

  



  



 




5.00%
  
05/01/21
  
 
4,610,000
  
  
 
5,330,451
  
 




 
Missouri Joint Municipal Electric Utility Commission

  



  



 




5.00%
  
01/01/34
  
 
1,950,000
  
  
 
2,217,716
  
 




5.75%
  
01/01/29
  
 
4,500,000
  
  
 
4,500,000
  
 
(l)



 
Missouri State Environmental Improvement & Energy Resources Authority

  



  



 




5.00%
  
01/01/24
  
 
525,000
  
  
 
526,418
  
 





  

  



  
 
23,250,999
  
 








 
Nebraska — 0.7%










 
Omaha Public Power District

  



  



 




4.00%
  
02/01/34 - 02/01/36
  
 
10,250,000
  
  
 
10,903,547
  
 








 
Nevada — 0.1%










 
City of Las Vegas (AGMC Insured)

  



  



 




5.55%
  
06/01/16
  
 
985,000
  
  
 
1,004,700
  
 
(m)







 
New Jersey — 5.7%










 
Cape May County Municipal Utilities Authority (AGMC Insured)

  



  



 




5.75%
  
01/01/16
  
 
3,500,000
  
  
 
3,500,000
  
 
(m)



 
New Jersey Economic Development Authority

  



  



 




5.50%
  
12/15/29
  
 
5,000,000
  
  
 
5,460,550
  
 




 
New Jersey Educational Facilities Authority

  



  



 




6.00%
  
12/01/17
  
 
10,000,000
  
  
 
10,728,700
  
 
(k)



























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
New Jersey Educational Facilities Authority (AGMC Insured)

  



  



 




4.00%
  
07/01/33
  

$

2,500,000
  
  

$

2,567,600
  
 
(m)



 
New Jersey Healthcare Facilities Financing Authority (AGMC Insured)

  



  



 




4.13%
  
07/01/38
  
 
1,000,000
  
  
 
1,018,490
  
 
(m)



 
New Jersey Higher Education Student Assistance Authority

  



  



 




5.63%
  
06/01/30
  
 
7,500,000
  
  
 
8,195,625
  
 




 
New Jersey State Economic Develpoment Authority

  



  



 




5.25%
  
06/15/40
  
 
4,000,000
  
  
 
4,163,000
  
 




 
New Jersey State Turnpike Authority

  



  



 




5.00%
  
01/01/33 - 01/01/45
  
 
21,000,000
  
  
 
24,003,650
  
 




5.25%
  
01/01/40
  
 
10,000,000
  
  
 
11,103,500
  
 




 
New Jersey State Turnpike Authority (AMBAC Insured)

  



  



 




6.50%
  
01/01/16
  
 
6,805,000
  
  
 
6,805,000
  
 
(k,m)



6.50%
  
01/01/16
  
 
5,135,000
  
  
 
5,135,000
  
 
(m)



 
New Jersey Transportation Trust Fund Authority

  



  



 




5.00%
  
06/15/45
  
 
2,250,000
  
  
 
2,348,010
  
 




5.25%
  
06/15/36
  
 
5,000,000
  
  
 
5,297,800
  
 





  

  



  
 
90,326,925
  
 








 
New Mexico — 1.4%



 
New Mexico Finance Authority

  



  



 




5.00%
  
06/15/18 - 06/15/23
  
 
9,200,000
  
  
 
10,334,920
  
 




5.00%
  
12/15/26
  
 
12,000,000
  
  
 
12,500,880
  
 
(l)




  

  



  
 
22,835,800
  
 








 
New York — 10.2%



 
Long Island Power Authority

  



  



 




6.00%
  
05/01/33
  
 
7,500,000
  
  
 
8,683,875
  
 
(l)



 
Metropolitan Transportation Authority

  



  



 




5.00%
  
11/15/29 - 11/15/45
  
 
14,920,000
  
  
 
17,269,786
  
 




 
Nassau County Sewer & Storm Water Finance Authority

  



  



 




5.00%
  
10/01/30
  
 
1,690,000
  
  
 
2,025,533
  
 




 
New York City Transitional Finance Authority Building Aid Revenue

  



  



 




5.50%
  
07/15/31
  
 
10,000,000
  
  
 
11,090,100
  
 




 
New York City Transitional Finance Authority Future Tax Secured Revenue

  



  



 




5.00%
  
11/01/21 - 02/01/41
  
 
30,220,000
  
  
 
35,013,029
  
 




 
New York City Water & Sewer System

  



  



 




5.00%
  
06/15/36
  
 
9,000,000
  
  
 
10,471,950
  
 




 
New York Convention Center Development Corp.

  



  



 




5.00%
  
11/15/40
  
 
5,000,000
  
  
 
5,778,500
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
41 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
New York Liberty Development Corp.

  



  



 




5.00%
  
11/15/44
  

$

5,000,000
  
  

$

5,584,650
  
 




5.13%
  
01/15/44
  
 
10,000,000
  
  
 
11,063,800
  
 




 
New York State Dormitory Authority

  



  



 




5.00%
  
03/15/36 - 10/01/45
  
 
15,000,000
  
  
 
18,571,700
  
 




5.50%
  
05/01/37
  
 
2,500,000
  
  
 
2,858,425
  
 
(l)



6.00%
  
07/01/40
  
 
2,000,000
  
  
 
2,321,480
  
 




 
New York State Thruway Authority

  



  



 




5.00%
  
05/01/19
  
 
6,000,000
  
  
 
6,727,200
  
 




 
New York State Urban Development Corp.

  



  



 




5.50%
  
01/01/19
  
 
9,000,000
  
  
 
10,154,430
  
 




 
Triborough Bridge & Tunnel Authority

  



  



 




5.00%
  
11/15/26
  
 
10,000,000
  
  
 
11,112,300
  
 




 
Westchester County Healthcare Corp.

  



  



 




6.13%
  
11/01/37
  
 
2,500,000
  
  
 
2,854,050
  
 





  

  



  
 
161,580,808
  
 








 
North Carolina — 1.3%



 
City of Charlotte

  



  



 




5.00%
  
06/01/23
  
 
4,320,000
  
  
 
4,985,755
  
 




 
City of Charlotte Water & Sewer System Revenue

  



  



 




5.00%
  
07/01/38
  
 
5,000,000
  
  
 
5,411,450
  
 




 
North Carolina Eastern Municipal Power Agency

  



  



 




5.00%
  
01/01/26
  
 
5,000,000
  
  
 
5,583,800
  
 
(l)



 
State of North Carolina

  



  



 




4.75%
  
05/01/30
  
 
4,130,000
  
  
 
4,628,574
  
 





  

  



  
 
20,609,579
  
 








 
Ohio — 4.1%



 
American Municipal Power Inc.

  



  



 




5.00%
  
02/15/38
  
 
295,000
  
  
 
312,296
  
 




5.00%
  
02/15/38
  
 
4,705,000
  
  
 
5,111,088
  
 
(l)



 
City of Cincinnati Water System Revenue

  



  



 




5.00%
  
12/01/36
  
 
2,500,000
  
  
 
2,873,500
  
 




 
City of Columbus

  



  



 




5.00%
  
07/01/26 - 08/15/30
  
 
18,055,000
  
  
 
21,907,495
  
 




 
City of Columbus Sewerage Revenue

  



  



 




4.50%
  
06/01/32
  
 
700,000
  
  
 
748,391
  
 
(l)



4.75%
  
06/01/31
  
 
5,000,000
  
  
 
5,369,200
  
 
(l)



 
Cuyahoga Community College District

  



  



 




5.00%
  
08/01/26
  
 
1,800,000
  
  
 
2,050,074
  
 




 
Northeast Ohio Regional Sewer District

  



  



 




5.00%
  
11/15/38
  
 
12,000,000
  
  
 
13,839,000
  
 




























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
Ohio Higher Educational Facility Commission

  



  



 




6.25%
  
05/01/38
  

$

5,000,000
  
  

$

5,733,900
  
 
(l)



 
Ohio State Turnpike Commission

  



  



 




5.25%
  
02/15/39
  
 
6,000,000
  
  
 
6,837,660
  
 





  

  



  
 
64,782,604
  
 








 
Oklahoma — 0.8%



 
Oklahoma Capital Improvement Authority

  



  



 




5.00%
  
07/01/28 - 07/01/29
  
 
5,000,000
  
  
 
5,933,760
  
 




 
Oklahoma Municipal Power Authority (FGIC Insured)

  



  



 




4.50%
  
01/01/47
  
 
2,000,000
  
  
 
2,014,000
  
 
(m)



 
Oklahoma Turnpike Authority

  



  



 




5.00%
  
01/01/28
  
 
3,500,000
  
  
 
4,057,165
  
 





  

  



  
 
12,004,925
  
 








 
Pennsylvania — 4.7%



 
City of Philadelphia Water & Wastewater Revenue

  



  



 




5.00%
  
01/01/36
  
 
8,000,000
  
  
 
8,856,880
  
 




 
Delaware County Authority

  



  



 




4.00%
  
08/01/40
  
 
1,200,000
  
  
 
1,262,376
  
 




 
Delaware River Port Authority

  



  



 




5.00%
  
01/01/29
  
 
5,000,000
  
  
 
5,840,700
  
 




 
Pennsylvania Economic Development Financing Authority

  



  



 




4.00%
  
03/15/40
  
 
4,000,000
  
  
 
4,093,520
  
 




 
Pennsylvania Higher Educational Facilities Authority

  



  



 




5.25%
  
08/15/25
  
 
1,750,000
  
  
 
2,059,417
  
 




 
Pennsylvania Turnpike Commission

  



  



 




5.00%
  
06/01/29 - 12/01/45
  
 
21,500,000
  
  
 
23,889,770
  
 




5.25%
  
06/01/39
  
 
9,500,000
  
  
 
10,346,925
  
 




6.00%
  
12/01/34
  
 
12,000,000
  
  
 
14,169,240
  
 
(j)



 
Philadelphia Authority for Industrial Development

  



  



 




5.00%
  
07/01/42
  
 
4,000,000
  
  
 
4,513,600
  
 





  

  



  
 
75,032,428
  
 








 
Puerto Rico — 0.1%



 
Puerto Rico Sales Tax Financing Corp.

  



  



 




5.50%
  
08/01/28
  
 
5,000,000
  
  
 
2,125,000
  
 








 
Rhode Island — 0.2%



 
Rhode Island Health & Educational Building Corp.

  



  



 




6.25%
  
09/15/34
  
 
1,300,000
  
  
 
1,463,735
  
 




6.50%
  
09/15/28
  
 
1,000,000
  
  
 
1,139,660
  
 





  

  



  
 
2,603,395
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
42 








Table of Contents














 
Elfun Tax-Exempt Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 









 
South Carolina — 1.6%



 
Piedmont Municipal Power Agency

  



  



 




5.00%
  
01/01/25
  

$

2,315,000
  
  

$

2,636,299
  
 




 
Piedmont Municipal Power Agency (AGC Insured)

  



  



 




5.75%
  
01/01/34
  
 
5,500,000
  
  
 
6,472,730
  
 
(m)



 
South Carolina State Public Service Authority

  



  



 




5.50%
  
01/01/38
  
 
1,190,000
  
  
 
1,346,402
  
 
(l)



5.50%
  
01/01/38
  
 
13,780,000
  
  
 
15,281,331
  
 





  

  



  
 
25,736,762
  
 








 
Tennessee — 1.8%



 
County of Shelby

  



  



 




5.00%
  
03/01/21
  
 
3,500,000
  
  
 
4,032,560
  
 




 
Metropolitan Government of Nashville & Davidson County

  



  



 




5.00%
  
05/15/25
  
 
10,000,000
  
  
 
10,590,100
  
 
(l)



 
State of Tennessee

  



  



 




5.00%
  
05/01/19
  
 
1,000,000
  
  
 
1,093,650
  
 
(l)



 
Tennessee State School Bond Authority

  



  



 




5.00%
  
11/01/37 - 11/01/40
  
 
11,150,000
  
  
 
13,133,866
  
 





  

  



  
 
28,850,176
  
 








 
Texas — 8.3%



 
City of Austin Water & Wastewater System Revenue

  



  



 




5.00%
  
11/15/42
  
 
13,595,000
  
  
 
15,367,652
  
 




 
City of Austin Water & Wastewater System Revenue (AMBAC Insured)

  



  



 




5.50%
  
11/15/16
  
 
5,450,000
  
  
 
5,684,023
  
 
(m)



 
City of Houston Utility System Revenue

  



  



 




5.00%
  
05/15/28 - 11/15/33
  
 
10,470,000
  
  
 
12,162,193
  
 




5.25%
  
11/15/30 - 11/15/31
  
 
12,000,000
  
  
 
13,941,720
  
 




 
Dallas/Fort Worth International Airport

  



  



 




5.25%
  
11/01/29
  
 
5,000,000
  
  
 
5,978,800
  
 




 
Harris County-Houston Sports Authority

  



  



 




5.00%
  
11/15/30
  
 
2,000,000
  
  
 
2,307,380
  
 




 
North Texas Tollway Authority

  



  



 




5.00%
  
09/01/31 - 01/01/38
  
 
5,500,000
  
  
 
6,270,650
  
 




5.75%
  
01/01/38 - 01/01/40
  
 
16,470,000
  
  
 
18,013,150
  
 
(l)



5.75%
  
01/01/40
  
 
5,005,000
  
  
 
5,378,823
  
 




6.00%
  
01/01/38
  
 
5,000,000
  
  
 
5,882,250
  
 




 
Tarrant Regional Water District

  



  



 




5.00%
  
03/01/29
  
 
14,000,000
  
  
 
16,898,000
  
 




 
Texas Transportation Commission State Highway Fund

  



  



 




5.00%
  
04/01/23
  
 
9,750,000
  
  
 
11,924,348
  
 






























 
  
 
  
 
Principal


Amount

 
  
 
Fair


Value

 
 
 





 
The University of Texas System

  



  



 




5.00%
  
08/15/26
  

$

10,000,000
  
  

$

12,592,900
  
 





  

  



  
 
132,401,889
  
 








 
Utah – 1.8%










 
County of Utah Transportation Sales Tax Revenue (AGMC Insured)

  



  



 




4.00%
  
12/01/37 - 12/01/38
  
 
11,830,000
  
  
 
12,392,456
  
 
(m)



 
Utah State Board of Regents

  



  



 




5.00%
  
11/01/30
  
 
4,000,000
  
  
 
4,566,400
  
 




 
Utah Transit Authority

  



  



 




5.00%
  
06/15/42
  
 
10,000,000
  
  
 
11,225,700
  
 





  

  



  
 
28,184,556
  
 








 
Virginia – 0.5%










 
Virginia Resources Authority

  



  



 




5.25%
  
11/01/38
  
 
2,390,000
  
  
 
2,663,870
  
 
(l)



5.25%
  
11/01/38
  
 
2,610,000
  
  
 
2,862,439
  
 




 
Wise County Industrial Development Authority

  



  



 




1.88%
  
11/01/40
  
 
2,000,000
  
  
 
2,010,540
  
 






  
 
7,536,849
  
 











 
Total Municipal Bonds and Notes
(Cost $1,446,747,853)

  



  
 
1,558,382,012
  
 





  

  



  



 




 
Short-Term Investments –
2.5%










 
State Street Institutional U.S. Government Money Market Fund — Premier Class

  



  



 




 
0.09%

  



  
$
39,963,873
  
 
(d,p)



 
(Cost $39,963,873)

  



  



 











 
Total Investments
(Cost $1,486,711,726)

  



  
 
1,598,345,885
  
 











 
Liabilities in Excess of Other Assets, net — (0.6)%

  



  
 
(10,073,599
) 
 





  

  



  
 
 

 
 

 
 











 
NET ASSETS — 100.0%

  



  
$
1,588,272,286
  
 





  

  



  
 
 

 
 

 
 





  

  



  



 



 


 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
43 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 

 



LOGO
 
 
William M. Healey 


Senior Vice President and Chief Investment Officer — Core Fixed Income Investments 


 
 



LOGO
 
 
Mark H. Johnson 
 
Senior
Vice President and Chief Investment Officer — Insurance and Long Duration 


 


 
The Elfun Income Fund is co-managed by William M. Healey and Mark H. Johnson. Messrs. Healey and Johnson are
each responsible for a portion of the Fund, the size of which is determined by consensus and adjusted on a periodic basis, if necessary. Although each portfolio manager manages his portion of the fund independent of the other, they are highly
collaborative and communicative. See portfolio managers’ biographical information beginning on page 98. 
 
 





Q.
How did the Elfun Income Fund perform compared to its benchmark for the twelve-month period ended December 31, 2015? 
 
 





A.
For the twelve-month period ended December 31, 2015, the Elfun Income Fund returned 0.22%. The Barclays Capital U.S. Aggregate Bond Index, the Fund’s benchmark, returned 0.55% and the Fund’s
Morningstar peer group of 1,086 U.S. Intermediate-Term Funds returned an average of -0.27% over the same period. 
 
 





Q.
What market factors affected the Fund’s performance? 
 
 





A.
The two major factors which affected the Fund’s performance were the movement in interest rates and credit spreads. The 10-year US Treasury note finished the year at 2.3%, up just 10 bps but traded down to
1.65% in January, then moved to 2.5% by the end of June before drifting down by year end as inflation remained well below the Fed’s target of 2%. The 2-year treasury yield, basically unchanged for the first nine months of the year, jumped from
0.65% to 1.05% in the fourth quarter as expectations for a Fed Funds rate hike became reality in December. Economic growth in the US slowed from 3% in Q1 to 2% (Bloomberg estimate) in Q4 as the price of oil plummeted over 30% and the US dollar rose
9% versus a basket of major world currencies. As economic growth decelerated, credit spreads widened putting pressure on corporate bond prices. The option-adjusted spread (OAS) of the Barclays Investment Grade Bond Index widened 35








 

bps beginning in May and the OAS of Barclays US High Yield Index hurt primarily by the energy sector widened 180 bps. 


 





Q.
What were the primary drivers of Fund performance? 
 
 





A.
The primary driver of the Fund’s underperformance versus its benchmark was the allocation to high yield securities which are not in the index. The significant widening of credit spreads resulted in a negative
return for the high yield market of -4.5% and while the Fund was not heavily exposed to energy companies, the allocation was the largest performance detractor. The overweight in high grade corporate bonds also
negatively impacted the Fund’s total return. Security selection among the high grade credit sector, primarily underweight commodity-related sectors and overweight financials, and residential mortgage-backed securities contributed positively to
the Fund’s performance. Tactically trading the Fund’s duration relative to the index, as treasury yields bounced within a range, also benefited the Fund. 


 





Q.
Were there any significant changes to the Fund during the period? 
 
 





A.
The most significant change to the Fund was a general increase in the allocation to spread sectors during the year. The allocation to high grade credit started the year slightly overweight and ended the year 10%
overweight by market value, which added roughly 0.3 years to the Fund’s spread duration. The allocation to commercial mortgage-backed securities was also increased from 3% to 10% overweight by market value and from 0.1 to 0.5 spread duration
contribution. The Fund’s duration was tactically traded within neutral to 0.5 years long relative to the benchmark during the period.

 


 
 
 
44 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 
 
Understanding Your Fund’s Expenses 


 

 
As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional
fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual
funds. 
 
To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period.
The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015. 


Actual Expenses 
 
The first section of the table provides
information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by
$1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during



 

the period” to estimate the expenses you paid on your account during the period. 
 
Hypothetical
Example for Comparison Purposes 
 
The second section of the table provides information about hypothetical account values and hypothetical expenses based on
the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account
balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the
shareholders reports of other funds. 
 
Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do
not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different
funds. 
 

 
 
 
July 1, 2015 – December 31,
2015 
 
 























  
    
Account value at
the beginning of
the period 
($)		
 
    
Account value
at the end of
the period 
($)		
 
    
Expenses
paid during
the period ($)*		
 





 
Actual Fund Return

    
 
1,000.00
  
    
 
1,002.70
  
    
 
1.26
  



 
Hypothetical 5% Return
(2.5% for the period)

    
 
1,000.00
  
    
 
1,023.95
  
    
 
1.28
  


 
 





*
 
Expenses are equal to the Fund’s annualized net expense ratio of 0.25%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period, multiplied by
184/365 (to reflect the one-half year period). 
 
 





**
 
May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data. 

 
 
 
45 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 












Investment Profile
 
A mutual fund designed for
investors who seek a high level of income consistent with prudent investment management and the preservation of capital. The Fund seeks to achieve its investment objective by investing at least 80% of its net assets under normal circumstances in
debt securities. The Fund invests primarily in a variety of investment-grade debt securities, such as mortgage-backed securities, corporate bonds, U.S. Government securities and money market instruments. 


 













Quality Ratings


 
(as a % of Fair Value of Investments of $302,338 (in thousands) on December 31, 2015) (a)(b) 
 
 















Moody’s / S&P /Rating *
  
Percentage of
Fair Value		
 





 
Aaa / AAA

  
 
8.8%
  



 
Aa / AA

  
 
43.4%
  



 
A / A

  
 
9.9%
  



 
Baa / BBB

  
 
21.5%
  



 
Ba / BB and lower

  
 
10.7%
  



 
NR / Other

  
 
5.7%
  


 
 













Sector Allocation


 
Portfolio composition as a % of Fair Value of Investments of $302,338 (in thousands) on December 31, 2015 (a)(b) 
 
 
 
 





LOGO
 














Morningstar Performance Comparison


 
Based on average annual returns for periods ended December 31, 2015 


 























  
  
One
Year		
 
 
Five
Year		
 
 
Ten
Year		
 





 
Number of funds in peer group

  
 
1,086
  
 
 
990
  
 
 
860
  



 
Peer group average annual total return

  
 
-0.27
% 
 
 
3.17
% 
 
 
3.98
% 



 
Morningstar Category in peer group: U.S. Intermediate-Term Bond

 
  


 
 











Change in Value of a $10,000 Investment
 



LOGO
 
 



LOGO
 
 
 













Average Annual Total Return


 
For the periods ended December 31, 2015 
 
 































(Inception date: 12/31/84)
 
  
 
  
 
  
 
  



  
 
One
Year		
 
Five
Year		
 
Ten
Year		
 
Ending value of a
$10,000
investment





 
Elfun Income Fund

 
 
 
0.22%
  
 
 
 
3.71%
  
 
 
 
4.34%
  
 
 
 
$15,288
  



 
Barclays U.S. Aggregate
Bond Index

 
 
 
0.55%
  
 
 
 
3.25%
  
 
 
 
4.51%
  
 
 
 
$15,552
  


 
 

 
 





(a)
Fair Value basis is inclusive of short-term investment in State Street Institutional U.S. Government Money Market Fund Premier Class. 


 





(b)
The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest
as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security. 


See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories. 


Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a
shareholder would pay on Fund distributions or the redemption of Fund shares. 

 
 
 
46 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 














Elfun Income Fund


 
 























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Bonds and Notes – 99.1%†







 
U.S. Treasuries — 15.9%










 
U.S. Treasury Bonds

  



  



 




2.50%
  
02/15/45
  
$
203,000
  
  
$
181,765
  
 




3.13%
  
11/15/41
  
 
6,057,000
  
  
 
6,244,725
  
 




U.S. Treasury Notes
  



  



 




0.63%
  
05/31/17
  
 
3,318,100
  
  
 
3,303,520
  
 
(h)



0.75%
  
12/31/17
  
 
2,500,000
  
  
 
2,483,313
  
 
(h)



0.88%
  
10/15/18
  
 
3,434,000
  
  
 
3,396,504
  
 
(h)



1.38%
  
10/31/20
  
 
13,847,700
  
  
 
13,606,459
  
 
(h)



1.88%
  
10/31/22
  
 
12,956,300
  
  
 
12,792,545
  
 
(h)



2.00%
  
08/15/25
  
 
4,189,900
  
  
 
4,085,085
  
 
(h)




  

  



  
 
46,093,916
  
 








 
Agency Mortgage Backed — 24.4%










 
Federal Home Loan Mortgage Corp.

  



  



 




4.50%
  
06/01/33 - 02/01/35
  
 
22,438
  
  
 
24,258
  
 
(h)



5.00%
  
07/01/35 - 06/01/41
  
 
1,299,629
  
  
 
1,449,139
  
 
(h)



5.50%
  
05/01/20 - 01/01/38
  
 
328,076
  
  
 
370,374
  
 




5.50%
  
04/01/39
  
 
67,597
  
  
 
74,653
  
 
(h)



6.00%
  
04/01/17 - 06/01/37
  
 
226,010
  
  
 
255,576
  
 




6.00%
  
04/01/29 - 11/01/37
  
 
562,991
  
  
 
639,346
  
 
(h)



6.50%
  
07/01/29
  
 
2,107
  
  
 
2,399
  
 
(h)



7.00%
  
10/01/16
  
 
326
  
  
 
328
  
 




7.00%
  
01/01/27 - 08/01/36
  
 
133,169
  
  
 
149,716
  
 
(h)



7.50%
  
11/01/29 - 09/01/33
  
 
8,351
  
  
 
8,901
  
 
(h)



8.00%
  
11/01/30
  
 
4,551
  
  
 
4,886
  
 
(h)



 
Federal National Mortgage Assoc.

  



  



 




2.22%
  
04/01/37
  
 
2,777
  
  
 
2,829
  
 
(i)



3.00%
  
02/01/43 - 06/01/43
  
 
12,921,839
  
  
 
12,963,097
  
 
(h)



3.50%
  
11/01/42 - 08/01/45
  
 
7,349,458
  
  
 
7,587,184
  
 
(h)



4.00%
  
05/01/19 - 06/01/19
  
 
54,917
  
  
 
57,247
  
 




4.00%
  
01/01/41 - 03/01/44
  
 
6,504,957
  
  
 
6,912,560
  
 
(h)



4.50%
  
05/01/18 - 08/01/20
  
 
96,232
  
  
 
100,002
  
 




4.50%
  
07/01/33 - 01/01/41
  
 
5,758,638
  
  
 
6,230,864
  
 
(h)



5.00%
  
07/01/20
  
 
33,234
  
  
 
35,342
  
 




5.00%
  
03/01/34 - 06/01/41
  
 
2,112,884
  
  
 
2,370,442
  
 
(h)



5.50%
  
06/01/20 - 11/01/35
  
 
288,733
  
  
 
308,919
  
 




5.50%
  
12/01/32 - 01/01/39
  
 
1,372,754
  
  
 
1,541,520
  
 
(h)



6.00%
  
05/01/19 - 09/01/21
  
 
36,579
  
  
 
38,414
  
 




6.00%
  
01/01/29 - 05/01/41
  
 
3,025,973
  
  
 
3,445,916
  
 
(h)



6.50%
  
07/01/17 - 05/01/21
  
 
22,630
  
  
 
23,540
  
 




6.50%
  
05/01/24 - 08/01/36
  
 
160,853
  
  
 
183,842
  
 
(h)



7.00%
  
10/01/16 - 08/01/17
  
 
6,298
  
  
 
6,447
  
 




7.00%
  
10/01/32 - 02/01/34
  
 
14,629
  
  
 
15,574
  
 
(h)



7.50%
  
12/01/26 - 12/01/33
  
 
77,577
  
  
 
88,331
  
 
(h)



8.00%
  
06/01/24 - 01/01/33
  
 
25,817
  
  
 
28,912
  
 
(h)



8.50%
  
04/01/30
  
 
4,120
  
  
 
5,205
  
 
(h)



9.00%
  
12/01/17 - 12/01/22
  
 
7,689
  
  
 
8,326
  
 
(h)



2.50%
  
TBA
  
 
3,774,641
  
  
 
3,796,741
  
 
(c)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





3.50%
  
TBA
  

$

2,503,500
  
  

$

2,582,100
  
 
(c)



4.00%
  
TBA
  
 
1,228,691
  
  
 
1,299,845
  
 
(c)



 
Government National Mortgage Assoc.

  



  



 




3.00%
  
04/20/43
  
 
1,457,211
  
  
 
1,482,174
  
 




3.00%
  
06/20/43
  
 
759,734
  
  
 
772,748
  
 
(h)



3.50%
  
05/20/43
  
 
2,811,831
  
  
 
2,938,294
  
 
(h)



4.00%
  
01/20/41 - 04/20/43
  
 
3,324,928
  
  
 
3,559,462
  
 
(h)



4.50%
  
08/15/33 - 09/15/34
  
 
198,959
  
  
 
216,066
  
 




4.50%
  
05/20/40 - 03/20/41
  
 
1,497,577
  
  
 
1,631,058
  
 
(h)



5.00%
  
08/15/33
  
 
83,580
  
  
 
92,947
  
 




6.00%
  
04/15/27 - 09/15/36
  
 
346,683
  
  
 
396,922
  
 




6.50%
  
04/15/19 - 09/15/36
  
 
138,302
  
  
 
157,896
  
 




7.00%
  
11/15/27 - 10/15/36
  
 
87,269
  
  
 
95,961
  
 




7.50%
  
03/15/23 - 11/15/31
  
 
34,242
  
  
 
35,738
  
 




8.00%
  
09/15/27 - 06/15/30
  
 
32,043
  
  
 
33,488
  
 




8.50%
  
10/15/17
  
 
3,851
  
  
 
3,965
  
 




9.00%
  
11/15/16 - 12/15/21
  
 
9,609
  
  
 
10,034
  
 




3.00%
  
TBA
  
 
2,031,275
  
  
 
2,058,078
  
 
(c)



4.00%
  
TBA
  
 
2,628,537
  
  
 
2,787,591
  
 
(c)



5.00%
  
TBA
  
 
1,167,000
  
  
 
1,278,327
  
 
(c)



5.50%
  
TBA
  
 
435,000
  
  
 
483,243
  
 
(c)




  

  



  
 
70,646,767
  
 








 
Agency Collateralized Mortgage Obligations — 0.3%










 
Collateralized Mortgage Obligation Trust

  



  



 




0.01%
  
11/01/18
  
 
1,492
  
  
 
1,483
  
 
(d,f)



 
Federal Home Loan Mortgage Corp.

  



  



 




0.08%
  
09/25/43
  
 
1,419,387
  
  
 
4,041
  
 
(g,i)



 
Federal Home Loan Mortgage Corp. REMIC

  



  



 




3.50%
  
11/15/24 - 11/15/30
  
 
1,041,769
  
  
 
84,295
  
 
(g)



5.00%
  
02/15/38
  
 
11,268
  
  
 
199
  
 
(g)



5.50%
  
06/15/33
  
 
75,161
  
  
 
15,722
  
 
(g)



6.27%
  
08/15/25
  
 
393,512
  
  
 
38,768
  
 
(g,i)



8.00%
  
04/15/20
  
 
777
  
  
 
804
  
 




 
Federal Home Loan Mortgage Corp. STRIPS

  



  



 




1.47%
  
08/01/27
  
 
1,410
  
  
 
1,282
  
 
(d,f)



5.62%
  
08/15/43
  
 
785,669
  
  
 
169,777
  
 
(g,i)



8.00%
  
02/01/23 - 07/01/24
  
 
5,182
  
  
 
1,089
  
 
(g)



 
Federal National Mortgage Assoc. REMIC

  



  



 




0.51%
  
12/25/22
  
 
3,222
  
  
 
3,117
  
 
(d,f)



1.22%
  
12/25/42
  
 
333,157
  
  
 
11,069
  
 
(g,i)



5.00%
  
02/25/40 - 09/25/40
  
 
526,128
  
  
 
57,438
  
 
(g)



5.58%
  
07/25/38
  
 
103,865
  
  
 
14,334
  
 
(g,i)



8.00%
  
05/25/22
  
 
7
  
  
 
113
  
 
(g)



 
Federal National Mortgage Assoc. STRIPS

  



  



 




1.87%
  
12/25/34
  
 
83,874
  
  
 
77,565
  
 
(d,f)



4.50%
  
08/25/35 - 01/25/36
  
 
179,599
  
  
 
32,234
  
 
(g)



5.00%
  
03/25/38 - 05/25/38
  
 
98,804
  
  
 
17,897
  
 
(g)



5.50%
  
12/25/33
  
 
24,406
  
  
 
4,770
  
 
(g)



6.00%
  
01/25/35
  
 
90,304
  
  
 
18,633
  
 
(g)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
47 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





7.50%
  
11/25/23
  

$

15,563
  
  

$

3,336
  
 
(g)



8.00%
  
08/25/23 - 07/25/24
  
 
10,472
  
  
 
2,223
  
 
(g)



8.50%
  
03/25/17 - 07/25/22
  
 
4,877
  
  
 
574
  
 
(g)



9.00%
  
05/25/22
  
 
2,665
  
  
 
467
  
 
(g)



 
Government National Mortgage Assoc.

  



  



 




4.50%
  
10/20/37 - 08/16/39
  
 
833,848
  
  
 
55,261
  
 
(g)



5.00%
  
10/20/37 - 09/20/38
  
 
429,307
  
  
 
25,385
  
 
(g)



5.85%
  
02/20/40
  
 
325,528
  
  
 
55,698
  
 
(g,i)



6.46%
  
01/16/40
  
 
544,008
  
  
 
100,527
  
 
(g,i)




  

  



  
 
798,101
  
 








 
Asset Backed — 0.3%










 
Capital One Multi-Asset Execution Trust 2006-B1

  



  



 




0.61%
  
01/15/19
  
 
500,000
  
  
 
499,691
  
 
(i)



 
Chase Funding Trust 2004-1

  



  



 




3.99%
  
11/25/33
  
 
274,709
  
  
 
280,537
  
 
(j)




  

  



  
 
780,228
  
 








 
Corporate Notes — 45.2%










 
21st Century Fox America Inc.

  



  



 




3.70%
  
10/15/25
  
 
104,000
  
  
 
103,812
  
 
(b)



4.95%
  
10/15/45
  
 
42,000
  
  
 
41,366
  
 
(b)



6.65%
  
11/15/37
  
 
248,000
  
  
 
288,191
  
 




 
ABB Finance USA Inc.

  



  



 




1.63%
  
05/08/17
  
 
392,000
  
  
 
392,279
  
 




 
AbbVie Inc.

  



  



 




1.75%
  
11/06/17
  
 
372,000
  
  
 
371,297
  
 




2.00%
  
11/06/18
  
 
423,000
  
  
 
421,223
  
 




2.50%
  
05/14/20
  
 
415,000
  
  
 
410,897
  
 




3.60%
  
05/14/25
  
 
167,000
  
  
 
164,839
  
 




4.70%
  
05/14/45
  
 
85,000
  
  
 
83,125
  
 




 
ACCO Brands Corp.

  



  



 




6.75%
  
04/30/20
  
 
426,000
  
  
 
438,780
  
 




 
ACE INA Holdings Inc.

  



  



 




2.30%
  
11/03/20
  
 
416,000
  
  
 
413,196
  
 




3.15%
  
03/15/25
  
 
292,000
  
  
 
288,756
  
 




3.35%
  
05/03/26
  
 
291,000
  
  
 
290,161
  
 




4.35%
  
11/03/45
  
 
87,000
  
  
 
88,413
  
 




 
Actavis Funding SCS

  



  



 




1.30%
  
06/15/17
  
 
489,000
  
  
 
484,371
  
 




3.00%
  
03/12/20
  
 
208,000
  
  
 
207,834
  
 




3.45%
  
03/15/22
  
 
292,000
  
  
 
292,466
  
 




3.80%
  
03/15/25
  
 
217,000
  
  
 
215,912
  
 




4.75%
  
03/15/45
  
 
41,000
  
  
 
39,969
  
 




 
Activision Blizzard Inc.

  



  



 




5.63%
  
09/15/21
  
 
428,000
  
  
 
448,330
  
 
(b)



 
Aetna Inc.

  



  



 




3.50%
  
11/15/24
  
 
260,000
  
  
 
259,730
  
 




 
Agrium Inc.

  



  



 




3.38%
  
03/15/25
  
 
104,000
  
  
 
94,940
  
 




4.90%
  
06/01/43
  
 
189,000
  
  
 
169,069
  
 




 
Alibaba Group Holding Ltd.

  



  



 




4.50%
  
11/28/34
  
 
205,000
  
  
 
196,136
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Altria Group Inc.

  



  



 




2.95%
  
05/02/23
  

$

210,000
  
  

$

204,386
  
 




4.50%
  
05/02/43
  
 
210,000
  
  
 
199,174
  
 




 
America Movil SAB de C.V.

  



  



 




3.13%
  
07/16/22
  
 
205,000
  
  
 
201,426
  
 




5.00%
  
03/30/20
  
 
317,000
  
  
 
344,015
  
 




 
American Axle & Manufacturing Inc.

  



  



 




6.25%
  
03/15/21
  
 
279,000
  
  
 
288,765
  
 




6.63%
  
10/15/22
  
 
84,000
  
  
 
87,990
  
 




 
American Campus Communities Operating Partnership LP

  



  



 




3.35%
  
10/01/20
  
 
167,000
  
  
 
166,805
  
 




4.13%
  
07/01/24
  
 
124,000
  
  
 
123,135
  
 




 
American Electric Power Company Inc.

  



  



 




2.95%
  
12/15/22
  
 
332,000
  
  
 
328,132
  
 




 
American Express Co.

  



  



 




3.63%
  
12/05/24
  
 
215,000
  
  
 
210,414
  
 




 
American Express Credit Corp.

  



  



 




2.60%
  
09/14/20
  
 
417,000
  
  
 
418,174
  
 




 
American International Group Inc.

  



  



 




3.75%
  
07/10/25
  
 
417,000
  
  
 
413,516
  
 




4.13%
  
02/15/24
  
 
125,000
  
  
 
128,465
  
 




4.50%
  
07/16/44
  
 
83,000
  
  
 
76,762
  
 




4.80%
  
07/10/45
  
 
208,000
  
  
 
201,125
  
 




 
American Tower Corp. (REIT)

  



  



 




3.40%
  
02/15/19
  
 
513,000
  
  
 
526,332
  
 




 
Amgen Inc.

  



  



 




2.20%
  
05/22/19
  
 
612,000
  
  
 
611,321
  
 




 
Amkor Technology Inc.

  



  



 




6.63%
  
06/01/21
  
 
429,000
  
  
 
425,783
  
 




 
Anadarko Petroleum Corp.

  



  



 




3.45%
  
07/15/24
  
 
83,000
  
  
 
73,772
  
 




6.20%
  
03/15/40
  
 
221,000
  
  
 
203,320
  
 




 
Anheuser-Busch InBev Worldwide Inc.

  



  



 




2.50%
  
07/15/22
  
 
515,000
  
  
 
495,719
  
 




 
Anthem Inc.

  



  



 




3.30%
  
01/15/23
  
 
211,000
  
  
 
205,149
  
 




 
Apache Corp.

  



  



 




5.10%
  
09/01/40
  
 
208,000
  
  
 
177,811
  
 




 
Apple Inc.

  



  



 




2.85%
  
05/06/21
  
 
634,000
  
  
 
649,572
  
 




3.45%
  
02/09/45
  
 
210,000
  
  
 
180,782
  
 




 
Aramark Services Inc.

  



  



 




5.75%
  
03/15/20
  
 
457,000
  
  
 
472,709
  
 




 
Ascension Health

  



  



 




4.85%
  
11/15/53
  
 
326,000
  
  
 
351,245
  
 




 
AstraZeneca PLC

  



  



 




2.38%
  
11/16/20
  
 
147,000
  
  
 
146,006
  
 




3.38%
  
11/16/25
  
 
209,000
  
  
 
207,507
  
 




4.38%
  
11/16/45
  
 
83,000
  
  
 
83,180
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
48 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
AT&T Inc.

  



  



 




2.38%
  
11/27/18
  

$

458,000
  
  

$

461,529
  
 




2.45%
  
06/30/20
  
 
418,000
  
  
 
411,815
  
 




3.40%
  
05/15/25
  
 
421,000
  
  
 
404,672
  
 




4.50%
  
05/15/35
  
 
208,000
  
  
 
192,391
  
 




4.75%
  
05/15/46
  
 
106,000
  
  
 
97,035
  
 




4.80%
  
06/15/44
  
 
163,000
  
  
 
149,330
  
 




 
AutoNation Inc.

  



  



 




4.50%
  
10/01/25
  
 
292,000
  
  
 
296,440
  
 




 
AutoZone Inc.

  



  



 




3.25%
  
04/15/25
  
 
217,000
  
  
 
209,989
  
 




 
Bank of America Corp.

  



  



 




1.70%
  
08/25/17
  
 
1,050,000
  
  
 
1,047,081
  
 




2.60%
  
01/15/19
  
 
147,000
  
  
 
147,499
  
 




3.88%
  
08/01/25
  
 
82,000
  
  
 
83,248
  
 




3.95%
  
04/21/25
  
 
251,000
  
  
 
244,439
  
 




4.00%
  
01/22/25
  
 
207,000
  
  
 
202,805
  
 




4.10%
  
07/24/23
  
 
218,000
  
  
 
225,500
  
 




4.25%
  
10/22/26
  
 
375,000
  
  
 
371,226
  
 




 
Barclays Bank PLC

  



  



 




2.25%
  
05/10/17
  
 
1,186,000
  
  
 
1,198,625
  
 
(b)



 
Barclays PLC

  



  



 




5.25%
  
08/17/45
  
 
205,000
  
  
 
206,493
  
 




 
Barrick Gold Corp.

  



  



 




4.10%
  
05/01/23
  
 
66,000
  
  
 
56,623
  
 




 
Baxalta Inc.

  



  



 




2.88%
  
06/23/20
  
 
417,000
  
  
 
411,996
  
 
(b)



4.00%
  
06/23/25
  
 
313,000
  
  
 
309,916
  
 
(b)



 
Bed Bath & Beyond Inc.

  



  



 




4.92%
  
08/01/34
  
 
61,000
  
  
 
54,392
  
 




 
Berkshire Hathaway Energy Co.

  



  



 




6.13%
  
04/01/36
  
 
330,000
  
  
 
384,587
  
 




 
Berkshire Hathaway Finance Corp.

  



  



 




3.00%
  
05/15/22
  
 
194,000
  
  
 
197,424
  
 




 
Berkshire Hathaway Inc.

  



  



 




4.50%
  
02/11/43
  
 
3,000
  
  
 
3,018
  
 




 
Berry Plastics Corp.

  



  



 




5.13%
  
07/15/23
  
 
260,000
  
  
 
252,850
  
 




6.00%
  
10/15/22
  
 
200,000
  
  
 
203,500
  
 
(b)



 
BHP Billiton Finance USA Ltd.

  



  



 




5.00%
  
09/30/43
  
 
115,000
  
  
 
104,211
  
 




 
Biogen Inc.

  



  



 




2.90%
  
09/15/20
  
 
207,000
  
  
 
206,546
  
 




4.05%
  
09/15/25
  
 
207,000
  
  
 
208,074
  
 




5.20%
  
09/15/45
  
 
82,000
  
  
 
82,023
  
 




 
Bombardier Inc.

  



  



 




4.75%
  
04/15/19
  
 
164,000
  
  
 
134,890
  
 
(b)



6.00%
  
10/15/22
  
 
164,000
  
  
 
114,964
  
 
(b)



7.75%
  
03/15/20
  
 
212,000
  
  
 
171,190
  
 
(b)



 
Boston Scientific Corp.

  



  



 




3.85%
  
05/15/25
  
 
210,000
  
  
 
206,663
  
 




 
BP Capital Markets PLC

  



  



 




1.38%
  
05/10/18
  
 
211,000
  
  
 
207,989
  
 




3.81%
  
02/10/24
  
 
200,000
  
  
 
199,961
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Branch Banking & Trust Co.

  



  



 




3.63%
  
09/16/25
  

$

430,000
  
  

$

434,258
  
 




 
Building Materials Corporation of America

  



  



 




5.38%
  
11/15/24
  
 
516,000
  
  
 
514,710
  
 
(b)



 
Burlington Northern Santa Fe LLC

  



  



 




3.65%
  
09/01/25
  
 
145,000
  
  
 
146,945
  
 




 
Calpine Corp.

  



  



 




5.75%
  
01/15/25
  
 
251,000
  
  
 
221,508
  
 




5.88%
  
01/15/24
  
 
565,000
  
  
 
579,125
  
 
(b)



 
Calumet Specialty Products Partners LP/Calumet Finance Corp.

  



  



 




6.50%
  
04/15/21
  
 
431,000
  
  
 
374,970
  
 




 
Canadian Pacific Railway Co.

  



  



 




2.90%
  
02/01/25
  
 
150,000
  
  
 
141,207
  
 




 
Capital One Financial Corp.

  



  



 




4.20%
  
10/29/25
  
 
416,000
  
  
 
410,952
  
 




 
Caterpillar Inc.

  



  



 




4.30%
  
05/15/44
  
 
133,000
  
  
 
128,342
  
 




 
Catholic Health Initiatives

  



  



 




2.60%
  
08/01/18
  
 
125,000
  
  
 
125,517
  
 




4.35%
  
11/01/42
  
 
130,000
  
  
 
121,575
  
 




 
CBS Corp.

  



  



 




3.70%
  
08/15/24
  
 
319,000
  
  
 
310,397
  
 




 
CCO Safari II LLC

  



  



 




3.58%
  
07/23/20
  
 
313,000
  
  
 
311,207
  
 
(b)



4.91%
  
07/23/25
  
 
313,000
  
  
 
312,692
  
 
(b)



6.38%
  
10/23/35
  
 
42,000
  
  
 
42,388
  
 
(b)



6.48%
  
10/23/45
  
 
83,000
  
  
 
83,029
  
 
(b)



 
Celgene Corp.

  



  



 




3.88%
  
08/15/25
  
 
417,000
  
  
 
415,675
  
 




5.00%
  
08/15/45
  
 
208,000
  
  
 
208,796
  
 




 
CenturyLink Inc.

  



  



 




5.80%
  
03/15/22
  
 
862,000
  
  
 
790,023
  
 




 
Cequel Capital Corp.

  



  



 




5.13%
  
12/15/21
  
 
484,000
  
  
 
435,600
  
 
(b)



 
Chevron Corp.

  



  



 




3.33%
  
11/17/25
  
 
292,000
  
  
 
294,105
  
 




 
Cigna Corp.

  



  



 




3.25%
  
04/15/25
  
 
417,000
  
  
 
409,530
  
 




 
Cinemark USA Inc.

  



  



 




4.88%
  
06/01/23
  
 
431,000
  
  
 
420,225
  
 




 
Citigroup Inc.

  



  



 




1.55%
  
08/14/17
  
 
917,000
  
  
 
913,293
  
 




1.75%
  
05/01/18
  
 
419,000
  
  
 
415,483
  
 




1.85%
  
11/24/17
  
 
200,000
  
  
 
199,715
  
 




2.05%
  
12/07/18
  
 
378,000
  
  
 
375,995
  
 




2.65%
  
10/26/20
  
 
207,000
  
  
 
205,497
  
 




4.40%
  
06/10/25
  
 
209,000
  
  
 
211,190
  
 




4.65%
  
07/30/45
  
 
333,000
  
  
 
336,805
  
 




 
CMS Energy Corp.

  



  



 




4.88%
  
03/01/44
  
 
209,000
  
  
 
211,934
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
49 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
CNA Financial Corp.

  



  



 




5.88%
  
08/15/20
  

$

326,000
  
  

$

361,387
  
 




 
CNOOC Nexen Finance 2014 ULC

  



  



 




4.25%
  
04/30/24
  
 
423,000
  
  
 
426,352
  
 




 
Cogeco Cable Inc.

  



  



 




4.88%
  
05/01/20
  
 
400,000
  
  
 
399,000
  
 
(b)



 
Colgate-Palmolive Co.

  



  



 




4.00%
  
08/15/45
  
 
208,000
  
  
 
208,461
  
 




 
Columbia Pipeline Group Inc.

  



  



 




3.30%
  
06/01/20
  
 
292,000
  
  
 
284,437
  
 
(b)



4.50%
  
06/01/25
  
 
209,000
  
  
 
189,434
  
 
(b)



 
Comcast Corp.

  



  



 




3.38%
  
08/15/25
  
 
709,000
  
  
 
718,198
  
 




4.20%
  
08/15/34
  
 
206,000
  
  
 
204,030
  
 




4.60%
  
08/15/45
  
 
210,000
  
  
 
212,609
  
 




 
ConocoPhillips Co.

  



  



 




3.35%
  
11/15/24
  
 
416,000
  
  
 
380,625
  
 




 
Continental Resources Inc.

  



  



 




3.80%
  
06/01/24
  
 
91,000
  
  
 
64,127
  
 




4.50%
  
04/15/23
  
 
82,000
  
  
 
58,948
  
 




4.90%
  
06/01/44
  
 
47,000
  
  
 
28,349
  
 




 
Corp Andina de Fomento

  



  



 




4.38%
  
06/15/22
  
 
604,000
  
  
 
643,018
  
 




 
Credit Suisse AG

  



  



 




1.70%
  
04/27/18
  
 
411,000
  
  
 
408,075
  
 




2.60%
  
05/27/16
  
 
405,000
  
  
 
407,167
  
 
(b)



 
Credit Suisse Group Funding Guernsey Ltd.

  



  



 




3.75%
  
03/26/25
  
 
252,000
  
  
 
243,456
  
 
(b)



 
Crown Americas LLC/Crown Americas Capital Corp. IV

  



  



 




4.50%
  
01/15/23
  
 
511,000
  
  
 
499,503
  
 




 
CSX Corp.

  



  



 




4.50%
  
08/01/54
  
 
124,000
  
  
 
112,474
  
 




 
CubeSmart LP

  



  



 




4.00%
  
11/15/25
  
 
116,000
  
  
 
115,177
  
 




 
CVS Health Corp.

  



  



 




2.25%
  
08/12/19
  
 
618,000
  
  
 
617,417
  
 




3.88%
  
07/20/25
  
 
417,000
  
  
 
425,651
  
 




5.13%
  
07/20/45
  
 
312,000
  
  
 
328,671
  
 




 
Daimler Finance North America LLC

  



  



 




2.38%
  
08/01/18
  
 
628,000
  
  
 
628,956
  
 
(b)



 
Danaher Corp.

  



  



 




2.40%
  
09/15/20
  
 
207,000
  
  
 
207,016
  
 




3.35%
  
09/15/25
  
 
207,000
  
  
 
210,263
  
 




4.38%
  
09/15/45
  
 
112,000
  
  
 
115,688
  
 




 
Denbury Resources Inc.

  



  



 




5.50%
  
05/01/22
  
 
431,000
  
  
 
143,083
  
 




6.38%
  
08/15/21
  
 
276,000
  
  
 
99,360
  
 




 
Deutsche Bank AG

  



  



 




4.50%
  
04/01/25
  
 
423,000
  
  
 
389,169
  
 




 
Devon Energy Corp.

  



  



 




5.85%
  
12/15/25
  
 
171,000
  
  
 
166,320
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Dexia Credit Local S.A.

  



  



 




2.25%
  
01/30/19
  

$

843,000
  
  

$

848,487
  
 
(b)



 
Diageo Investment Corp.

  



  



 




2.88%
  
05/11/22
  
 
506,000
  
  
 
501,626
  
 




 
DigitalGlobe Inc.

  



  



 




5.25%
  
02/01/21
  
 
427,000
  
  
 
358,680
  
 
(b)



 
DIRECTV Holdings LLC/DIRECTV Financing Company Inc.

  



  



 




4.45%
  
04/01/24
  
 
319,000
  
  
 
327,669
  
 




 
Discover Bank

  



  



 




3.10%
  
06/04/20
  
 
291,000
  
  
 
291,797
  
 




 
Dollar General Corp.

  



  



 




1.88%
  
04/15/18
  
 
410,000
  
  
 
406,056
  
 




4.13%
  
07/15/17
  
 
412,000
  
  
 
423,095
  
 




4.15%
  
11/01/25
  
 
208,000
  
  
 
206,767
  
 




 
Dollar Tree Inc.

  



  



 




5.75%
  
03/01/23
  
 
517,000
  
  
 
538,973
  
 
(b)



 
Dominion Resources Inc.

  



  



 




1.95%
  
08/15/16
  
 
783,000
  
  
 
784,967
  
 




 
Dr Pepper Snapple Group Inc.

  



  



 




3.40%
  
11/15/25
  
 
416,000
  
  
 
408,683
  
 




 
Duke Energy Progress LLC

  



  



 




4.15%
  
12/01/44
  
 
125,000
  
  
 
122,079
  
 




 
Eastman Chemical Co.

  



  



 




3.60%
  
08/15/22
  
 
416,000
  
  
 
414,195
  
 




 
Ecopetrol S.A.

  



  



 




5.88%
  
05/28/45
  
 
104,000
  
  
 
73,840
  
 




 
Electricite de France S.A.

  



  



 




2.15%
  
01/22/19
  
 
838,000
  
  
 
834,106
  
 
(b) 



 
Eli Lilly & Co.

  



  



 




3.70%
  
03/01/45
  
 
41,000
  
  
 
38,348
  
 




 
EMD Finance LLC

  



  



 




3.25%
  
03/19/25
  
 
208,000
  
  
 
197,233
  
 
(b) 



 
Energizer Holdings Inc.

  



  



 




5.50%
  
06/15/25
  
 
433,000
  
  
 
407,020
  
 
(b) 



 
Energy Transfer Equity LP

  



  



 




5.88%
  
01/15/24
  
 
844,000
  
  
 
687,860
  
 




 
Energy Transfer Partners LP

  



  



 




4.05%
  
03/15/25
  
 
83,000
  
  
 
68,202
  
 




5.15%
  
03/15/45
  
 
146,000
  
  
 
103,206
  
 




6.50%
  
02/01/42
  
 
344,000
  
  
 
279,793
  
 




 
Ensco PLC

  



  



 




4.50%
  
10/01/24
  
 
209,000
  
  
 
143,932
  
 




5.20%
  
03/15/25
  
 
125,000
  
  
 
89,001
  
 




5.75%
  
10/01/44
  
 
86,000
  
  
 
56,659
  
 




 
Enterprise Products Operating LLC

  



  



 




3.70%
  
02/15/26
  
 
415,000
  
  
 
372,565
  
 




 
Equinix Inc.

  



  



 




5.88%
  
01/15/26
  
 
85,000
  
  
 
87,550
  
 




 
ERP Operating LP

  



  



 




4.50%
  
07/01/44
  
 
83,000
  
  
 
83,291
  
 




 
European Investment Bank

  



  



 




4.88%
  
01/17/17
  
 
850,000
  
  
 
883,759
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
50 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
FedEx Corp.

  



  



 




3.20%
  
02/01/25
  

$

130,000
  
  

$

126,547
  
 




4.10%
  
02/01/45
  
 
2,000
  
  
 
1,781
  
 




 
Fiat Chrysler Automobiles N.V.

  



  



 




4.50%
  
04/15/20
  
 
265,000
  
  
 
268,313
  
 




5.25%
  
04/15/23
  
 
200,000
  
  
 
196,500
  
 




 
Five Corners Funding Trust

  



  



 




4.42%
  
11/15/23
  
 
457,000
  
  
 
477,152
  
 
(b)



 
Florida Power & Light Co.

  



  



 




4.13%
  
02/01/42
  
 
222,000
  
  
 
220,942
  
 




 
Ford Motor Credit Company LLC

  



  



 




3.20%
  
01/15/21
  
 
439,000
  
  
 
436,064
  
 




3.22%
  
01/09/22
  
 
440,000
  
  
 
430,797
  
 




5.88%
  
08/02/21
  
 
318,000
  
  
 
354,627
  
 




 
Fresenius Medical Care US Finance Inc.

  



  



 




5.75%
  
02/15/21
  
 
344,000
  
  
 
368,080
  
 
(b)



 
Frontier Communications Corp.

  



  



 




7.13%
  
03/15/19
  
 
526,000
  
  
 
525,947
  
 




11.00%
  
09/15/25
  
 
393,000
  
  
 
389,070
  
 
(b)



 
General Motors Co.

  



  



 




5.20%
  
04/01/45
  
 
42,000
  
  
 
39,540
  
 




 
General Motors Financial Company Inc.

  



  



 




3.15%
  
01/15/20
  
 
292,000
  
  
 
289,404
  
 




3.20%
  
07/13/20
  
 
834,000
  
  
 
821,157
  
 




4.30%
  
07/13/25
  
 
417,000
  
  
 
404,634
  
 




 
Georgia-Pacific LLC

  



  



 




3.60%
  
03/01/25
  
 
625,000
  
  
 
618,069
  
 
(b)



 
Gilead Sciences Inc.

  



  



 




2.55%
  
09/01/20
  
 
210,000
  
  
 
210,019
  
 




3.65%
  
03/01/26
  
 
235,000
  
  
 
237,088
  
 




4.80%
  
04/01/44
  
 
94,000
  
  
 
94,296
  
 




 
Grupo Televisa SAB

  



  



 




5.00%
  
05/13/45
  
 
204,000
  
  
 
175,272
  
 




 
Halliburton Co.

  



  



 




2.70%
  
11/15/20
  
 
208,000
  
  
 
205,682
  
 




3.80%
  
11/15/25
  
 
210,000
  
  
 
204,612
  
 




5.00%
  
11/15/45
  
 
125,000
  
  
 
123,479
  
 




 
HCA Inc.

  



  



 




4.75%
  
05/01/23
  
 
693,000
  
  
 
686,070
  
 




6.50%
  
02/15/20
  
 
392,000
  
  
 
427,084
  
 




 
HSBC Holdings PLC

  



  



 




4.25%
  
08/18/25
  
 
201,000
  
  
 
199,507
  
 




 
HSBC USA Inc.

  



  



 




2.75%
  
08/07/20
  
 
624,000
  
  
 
624,329
  
 




 
Hyundai Capital America

  



  



 




2.13%
  
10/02/17
  
 
189,000
  
  
 
187,876
  
 
(b)



 
Illinois Tool Works Inc.

  



  



 




3.50%
  
03/01/24
  
 
418,000
  
  
 
429,747
  
 




 
ING Bank N.V.

  



  



 




2.70%
  
08/17/20
  
 
200,000
  
  
 
200,976
  
 
(b) 



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Ingersoll-Rand Luxembourg Finance S.A.

  



  



 




3.55%
  
11/01/24
  

$

291,000
  
  

$

284,911
  
 




 
Ingles Markets Inc.

  



  



 




5.75%
  
06/15/23
  
 
551,000
  
  
 
549,623
  
 




 
Intel Corp.

  



  



 




2.45%
  
07/29/20
  
 
208,000
  
  
 
210,469
  
 




 
Intelsat Jackson Holdings S.A.

  



  



 




5.50%
  
08/01/23
  
 
417,000
  
  
 
327,345
  
 




 
International Business Machines Corp.

  



  



 




3.63%
  
02/12/24
  
 
426,000
  
  
 
438,748
  
 




 
Interstate Power & Light Co.

  



  



 




3.40%
  
08/15/25
  
 
415,000
  
  
 
417,500
  
 




 
Intesa Sanpaolo S.p.A.

  



  



 




5.02%
  
06/26/24
  
 
126,000
  
  
 
124,028
  
 
(b) 



 
Invesco Finance PLC

  



  



 




3.13%
  
11/30/22
  
 
573,000
  
  
 
565,277
  
 




 
JB Poindexter & Company Inc.

  



  



 




9.00%
  
04/01/22
  
 
120,000
  
  
 
125,400
  
 
(b) 



 
JBS USA LLC/JBS USA Finance Inc.

  



  



 




5.75%
  
06/15/25
  
 
345,000
  
  
 
300,150
  
 
(b) 



5.88%
  
07/15/24
  
 
232,000
  
  
 
209,960
  
 
(b) 



 
Jefferies Group LLC

  



  



 




5.13%
  
01/20/23
  
 
168,000
  
  
 
166,693
  
 




6.50%
  
01/20/43
  
 
140,000
  
  
 
129,434
  
 




 
Johnson Controls Inc.

  



  



 




4.63%
  
07/02/44
  
 
204,000
  
  
 
172,888
  
 




 
JPMorgan Chase & Co.

  



  



 




2.55%
  
10/29/20
  
 
207,000
  
  
 
205,157
  
 




3.88%
  
09/10/24
  
 
617,000
  
  
 
614,070
  
 




5.00%
  
12/29/49
  
 
299,000
  
  
 
284,050
  
 
(i) 



6.10%
  
10/29/49
  
 
500,000
  
  
 
502,550
  
 
(i) 



 
KB Home

  



  



 




7.00%
  
12/15/21
  
 
506,000
  
  
 
499,043
  
 




 
Keysight Technologies Inc.

  



  



 




4.55%
  
10/30/24
  
 
415,000
  
  
 
398,993
  
 




 
KFW

  



  



 




2.00%
  
10/04/22
  
 
929,000
  
  
 
914,017
  
 




4.50%
  
07/16/18
  
 
238,000
  
  
 
255,855
  
 




 
Kinder Morgan Energy Partners LP

  



  



 




3.50%
  
09/01/23
  
 
137,000
  
  
 
113,653
  
 




4.30%
  
05/01/24
  
 
214,000
  
  
 
184,015
  
 




 
Kinder Morgan Inc.

  



  



 




3.05%
  
12/01/19
  
 
83,000
  
  
 
76,845
  
 




4.30%
  
06/01/25
  
 
166,000
  
  
 
143,500
  
 




5.55%
  
06/01/45
  
 
125,000
  
  
 
97,614
  
 




 
Kinross Gold Corp.

  



  



 




6.88%
  
09/01/41
  
 
30,000
  
  
 
16,438
  
 




 
Kraft Heinz Foods Co.

  



  



 




2.80%
  
07/02/20
  
 
626,000
  
  
 
624,533
  
 
(b)



3.95%
  
07/15/25
  
 
543,000
  
  
 
548,257
  
 
(b)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
51 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
L Brands Inc.

  



  



 




5.63%
  
02/15/22
  

$

443,000
  
  

$

470,688
  
 




 
L-3 Communications Corp.

  



  



 




1.50%
  
05/28/17
  
 
286,000
  
  
 
282,452
  
 




 
Lee Enterprises Inc.

  



  



 




9.50%
  
03/15/22
  
 
347,000
  
  
 
319,240
  
 
(b)



 
Lennar Corp.

  



  



 




4.50%
  
11/15/19
  
 
516,000
  
  
 
524,708
  
 




4.75%
  
05/30/25
  
 
174,000
  
  
 
170,085
  
 




 
Levi Strauss & Co.

  



  



 




5.00%
  
05/01/25
  
 
259,000
  
  
 
257,705
  
 




 
Lockheed Martin Corp.

  



  



 




2.50%
  
11/23/20
  
 
292,000
  
  
 
290,972
  
 




3.55%
  
01/15/26
  
 
417,000
  
  
 
419,141
  
 




4.70%
  
05/15/46
  
 
94,000
  
  
 
96,728
  
 




 
Lowe’s Companies Inc.

  



  



 




4.38%
  
09/15/45
  
 
165,000
  
  
 
169,596
  
 




 
LyondellBasell Industries N.V.

  



  



 




4.63%
  
02/26/55
  
 
83,000
  
  
 
67,309
  
 




 
Macquarie Bank Ltd.

  



  



 




4.88%
  
06/10/25
  
 
423,000
  
  
 
417,714
  
 
(b)



 
Marathon Petroleum Corp.

  



  



 




3.63%
  
09/15/24
  
 
415,000
  
  
 
386,922
  
 




 
Marsh & McLennan Companies Inc.

  



  



 




3.50%
  
03/10/25
  
 
288,000
  
  
 
283,693
  
 




3.75%
  
03/14/26
  
 
290,000
  
  
 
290,018
  
 




 
Mattel Inc.

  



  



 




2.35%
  
05/06/19
  
 
633,000
  
  
 
627,730
  
 




 
McDonald’s Corp.

  



  



 




2.75%
  
12/09/20
  
 
113,000
  
  
 
112,944
  
 




3.70%
  
01/30/26
  
 
265,000
  
  
 
264,848
  
 




4.88%
  
12/09/45
  
 
87,000
  
  
 
87,469
  
 




 
Mead Johnson Nutrition Co.

  



  



 




3.00%
  
11/15/20
  
 
291,000
  
  
 
291,043
  
 




4.13%
  
11/15/25
  
 
291,000
  
  
 
293,339
  
 




 
Medtronic Inc.

  



  



 




2.50%
  
03/15/20
  
 
125,000
  
  
 
125,920
  
 




3.50%
  
03/15/25
  
 
500,000
  
  
 
505,920
  
 




4.63%
  
03/15/45
  
 
210,000
  
  
 
216,516
  
 




 
Memorial Sloan-Kettering Cancer Center

  



  



 




4.13%
  
07/01/52
  
 
165,000
  
  
 
153,916
  
 




 
Merck & Company Inc.

  



  



 




2.75%
  
02/10/25
  
 
215,000
  
  
 
209,324
  
 




 
MetLife Inc.

  



  



 




3.60%
  
11/13/25
  
 
208,000
  
  
 
209,602
  
 




4.05%
  
03/01/45
  
 
104,000
  
  
 
96,355
  
 




4.72%
  
12/15/44
  
 
128,000
  
  
 
130,720
  
 




 
MGM Resorts International

  



  



 




5.25%
  
03/31/20
  
 
258,000
  
  
 
255,420
  
 




6.63%
  
12/15/21
  
 
431,000
  
  
 
441,236
  
 




 
Microsoft Corp.

  



  



 




4.00%
  
02/12/55
  
 
217,000
  
  
 
194,776
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Mid-America Apartments LP

  



  



 




4.00%
  
11/15/25
  

$

209,000
  
  

$

207,639
  
 




 
Mizuho Bank Ltd.

  



  



 




2.45%
  
04/16/19
  
 
508,000
  
  
 
508,372
  
 
(b) 



 
Monsanto Co.

  



  



 




4.70%
  
07/15/64
  
 
120,000
  
  
 
91,115
  
 




 
Morgan Stanley

  



  



 




2.65%
  
01/27/20
  
 
210,000
  
  
 
209,502
  
 




3.70%
  
10/23/24
  
 
416,000
  
  
 
418,038
  
 




3.95%
  
04/23/27
  
 
417,000
  
  
 
404,905
  
 




4.10%
  
05/22/23
  
 
680,000
  
  
 
687,434
  
 




4.88%
  
11/01/22
  
 
116,000
  
  
 
123,181
  
 




5.00%
  
11/24/25
  
 
161,000
  
  
 
171,009
  
 




 
Motorola Solutions Inc.

  



  



 




4.00%
  
09/01/24
  
 
141,000
  
  
 
122,376
  
 




 
National Agricultural Cooperative Federation

  



  



 




4.25%
  
01/28/16
  
 
231,000
  
  
 
231,379
  
 
(b)



 
National Retail Properties Inc.

  



  



 




4.00%
  
11/15/25
  
 
208,000
  
  
 
204,362
  
 




 
NCL Corporation Ltd.

  



  



 




4.63%
  
11/15/20
  
 
217,000
  
  
 
212,491
  
 
(b)



 
Newfield Exploration Co.

  



  



 




5.63%
  
07/01/24
  
 
445,000
  
  
 
379,363
  
 




5.75%
  
01/30/22
  
 
451,000
  
  
 
399,135
  
 




 
Newmont Mining Corp.

  



  



 




4.88%
  
03/15/42
  
 
158,000
  
  
 
112,874
  
 




 
Nexen Energy ULC

  



  



 




6.40%
  
05/15/37
  
 
223,000
  
  
 
249,405
  
 




 
NIKE Inc.

  



  



 




3.88%
  
11/01/45
  
 
208,000
  
  
 
200,571
  
 




 
Noble Energy Inc.

  



  



 




3.90%
  
11/15/24
  
 
249,000
  
  
 
221,743
  
 




 
Northern States Power Co.

  



  



 




2.20%
  
08/15/20
  
 
417,000
  
  
 
414,186
  
 




 
Northrop Grumman Corp.

  



  



 




3.85%
  
04/15/45
  
 
49,000
  
  
 
44,057
  
 




 
Novartis Capital Corp.

  



  



 




3.00%
  
11/20/25
  
 
552,000
  
  
 
544,158
  
 




4.00%
  
11/20/45
  
 
276,000
  
  
 
270,077
  
 




 
NRG Energy Inc.

  



  



 




6.25%
  
07/15/22
  
 
257,000
  
  
 
222,948
  
 




 
Occidental Petroleum Corp.

  



  



 




3.50%
  
06/15/25
  
 
417,000
  
  
 
407,525
  
 




 
Omnicom Group Inc.

  



  



 




3.63%
  
05/01/22
  
 
170,000
  
  
 
171,664
  
 




 
Oracle Corp.

  



  



 




2.25%
  
10/08/19
  
 
818,000
  
  
 
826,833
  
 




2.95%
  
05/15/25
  
 
215,000
  
  
 
209,916
  
 




4.13%
  
05/15/45
  
 
85,000
  
  
 
80,448
  
 




 
Owens & Minor Inc.

  



  



 




3.88%
  
09/15/21
  
 
415,000
  
  
 
413,384
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
52 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Pacific Gas & Electric Co.

  



  



 




3.40%
  
08/15/24
  

$

617,000
  
  

$

619,560
  
 




 
PacifiCorp

  



  



 




6.25%
  
10/15/37
  
 
8,000
  
  
 
9,895
  
 




 
Penn National Gaming Inc.

  



  



 




5.88%
  
11/01/21
  
 
261,000
  
  
 
253,170
  
 




 
People’s United Bank NA

  



  



 




4.00%
  
07/15/24
  
 
478,000
  
  
 
472,708
  
 




 
PepsiCo Inc.

  



  



 




3.10%
  
07/17/22
  
 
105,000
  
  
 
107,686
  
 




4.25%
  
10/22/44
  
 
123,000
  
  
 
122,045
  
 




4.60%
  
07/17/45
  
 
125,000
  
  
 
132,170
  
 




 
Petrobras Global Finance BV

  



  



 




3.88%
  
01/27/16
  
 
159,000
  
  
 
158,364
  
 




 
Petroleos Mexicanos

  



  



 




3.50%
  
01/30/23
  
 
197,000
  
  
 
171,883
  
 




 
Pfizer Inc.

  



  



 




4.40%
  
05/15/44
  
 
131,000
  
  
 
133,028
  
 




 
Philip Morris International Inc.

  



  



 




4.13%
  
03/04/43
  
 
209,000
  
  
 
197,584
  
 




 
Phillips 66 Partners LP

  



  



 




2.65%
  
02/15/20
  
 
125,000
  
  
 
117,981
  
 




3.61%
  
02/15/25
  
 
208,000
  
  
 
182,648
  
 




 
Pitney Bowes Inc.

  



  



 




4.63%
  
03/15/24
  
 
358,000
  
  
 
350,876
  
 




 
Plains All American Pipeline LP/PAA Finance Corp.

  



  



 




4.65%
  
10/15/25
  
 
125,000
  
  
 
109,180
  
 




 
PNC Bank NA

  



  



 




2.40%
  
10/18/19
  
 
440,000
  
  
 
441,731
  
 




 
Precision Castparts Corp.

  



  



 




4.38%
  
06/15/45
  
 
125,000
  
  
 
125,252
  
 




 
Principal Financial Group Inc.

  



  



 




4.70%
  
05/15/55
  
 
415,000
  
  
 
412,510
  
 
(i)



 
Prologis LP

  



  



 




3.75%
  
11/01/25
  
 
208,000
  
  
 
206,328
  
 




 
Prudential Financial Inc.

  



  



 




5.38%
  
05/15/45
  
 
209,000
  
  
 
208,739
  
 
(i)



5.63%
  
06/15/43
  
 
257,000
  
  
 
262,783
  
 
(i)



 
Public Service Electric & Gas Co.

  



  



 




2.38%
  
05/15/23
  
 
632,000
  
  
 
605,486
  
 




 
QUALCOMM Inc.

  



  



 




2.25%
  
05/20/20
  
 
166,000
  
  
 
164,460
  
 




3.45%
  
05/20/25
  
 
148,000
  
  
 
141,979
  
 




4.80%
  
05/20/45
  
 
149,000
  
  
 
132,448
  
 




 
Quest Diagnostics Inc.

  



  



 




4.70%
  
03/30/45
  
 
125,000
  
  
 
112,563
  
 




 
Regency Energy Partners LP/Regency Energy Finance Corp.

  



  



 




4.50%
  
11/01/23
  
 
292,000
  
  
 
252,740
  
 




 
Revlon Consumer Products Corp.

  



  



 




5.75%
  
02/15/21
  
 
1,308,000
  
  
 
1,265,490
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Reynolds American Inc.

  



  



 




4.45%
  
06/12/25
  

$

126,000
  
  

$

131,849
  
 




 
Rio Tinto Finance USA Ltd.

  



  



 




3.75%
  
06/15/25
  
 
104,000
  
  
 
94,480
  
 




 
Roche Holdings Inc.

  



  



 




3.35%
  
09/30/24
  
 
245,000
  
  
 
250,879
  
 
(b)



 
Rogers Communications Inc.

  



  



 




5.00%
  
03/15/44
  
 
132,000
  
  
 
132,799
  
 




 
Rowan Companies Inc.

  



  



 




5.85%
  
01/15/44
  
 
84,000
  
  
 
50,686
  
 




 
Royal Bank of Canada

  



  



 




1.20%
  
09/19/17
  
 
663,000
  
  
 
659,903
  
 




 
Ryder System Inc.

  



  



 




2.45%
  
09/03/19
  
 
507,000
  
  
 
499,638
  
 




 
Santander Bank NA

  



  



 




2.00%
  
01/12/18
  
 
508,000
  
  
 
504,310
  
 




 
Santander UK Group Holdings PLC

  



  



 




4.75%
  
09/15/25
  
 
200,000
  
  
 
197,361
  
 
(b)



 
Schaeffler Holding Finance BV (6.25% Cash/7.00% PIK)

  



  



 




6.25%
  
11/15/19
  
 
225,000
  
  
 
235,125
  
 
(b,n)



 
Schaeffler Holding Finance BV (6.88% Cash/7.63% PIK)

  



  



 




6.88%
  
08/15/18
  
 
240,000
  
  
 
247,200
  
 
(b,n)



 
Schlumberger Holdings Corp.

  



  



 




3.00%
  
12/21/20
  
 
567,000
  
  
 
559,759
  
 
(b) 



4.00%
  
12/21/25
  
 
378,000
  
  
 
373,203
  
 
(b) 



 
Sealed Air Corp.

  



  



 




4.88%
  
12/01/22
  
 
258,000
  
  
 
258,645
  
 
(b) 



5.13%
  
12/01/24
  
 
258,000
  
  
 
258,000
  
 
(b) 



 
Shell International Finance BV

  



  



 




2.25%
  
11/10/20
  
 
417,000
  
  
 
410,745
  
 




3.40%
  
08/12/23
  
 
642,000
  
  
 
638,350
  
 




 
Sinclair Television Group Inc.

  



  



 




5.38%
  
04/01/21
  
 
452,000
  
  
 
453,130
  
 




 
Sinopec Capital 2013 Ltd.

  



  



 




3.13%
  
04/24/23
  
 
336,000
  
  
 
320,305
  
 
(b) 



 
Southern California Edison Co.

  



  



 




2.40%
  
02/01/22
  
 
165,000
  
  
 
161,809
  
 




 
Spectra Energy Partners LP

  



  



 




4.75%
  
03/15/24
  
 
205,000
  
  
 
198,672
  
 




 
Sprint Corp.

  



  



 




7.25%
  
09/15/21
  
 
235,000
  
  
 
175,075
  
 




7.63%
  
02/15/25
  
 
472,000
  
  
 
344,560
  
 




 
State Street Corp.

  



  



 




3.55%
  
08/18/25
  
 
415,000
  
  
 
428,114
  
 
(e) 



 
Statoil ASA

  



  



 




3.70%
  
03/01/24
  
 
190,000
  
  
 
192,597
  
 




3.95%
  
05/15/43
  
 
104,000
  
  
 
93,941
  
 




 
Sunoco LP/Sunoco Finance Corp.

  



  



 




5.50%
  
08/01/20
  
 
173,000
  
  
 
163,918
  
 
(b) 



 
SUPERVALU Inc.

  



  



 




6.75%
  
06/01/21
  
 
433,000
  
  
 
391,865
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
53 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
T-Mobile USA Inc.

  



  



 




6.25%
  
04/01/21
  

$

69,000
  
  

$

71,243
  
 




6.50%
  
01/15/26
  
 
130,000
  
  
 
131,234
  
 




6.63%
  
04/01/23
  
 
431,000
  
  
 
439,620
  
 




 
Tampa Electric Co.

  



  



 




4.35%
  
05/15/44
  
 
204,000
  
  
 
199,845
  
 




 
Target Corp.

  



  



 




3.50%
  
07/01/24
  
 
60,000
  
  
 
62,282
  
 




 
TD Ameritrade Holding Corp.

  



  



 




2.95%
  
04/01/22
  
 
207,000
  
  
 
205,179
  
 




 
Teachers Insurance & Annuity Association of America

  



  



 




4.90%
  
09/15/44
  
 
415,000
  
  
 
419,172
  
 
(b)



 
Teck Resources Ltd.

  



  



 




2.50%
  
02/01/18
  
 
122,000
  
  
 
92,720
  
 




3.15%
  
01/15/17
  
 
174,000
  
  
 
156,600
  
 




 
Telecom Italia S.p.A.

  



  



 




5.30%
  
05/30/24
  
 
850,000
  
  
 
839,375
  
 
(b)



 
Tenet Healthcare Corp.

  



  



 




4.75%
  
06/01/20
  
 
158,000
  
  
 
158,790
  
 




6.00%
  
10/01/20
  
 
416,000
  
  
 
437,840
  
 




 
The Allstate Corp.

  



  



 




5.75%
  
08/15/53
  
 
235,000
  
  
 
241,580
  
 
(i)



 
The Bank of Tokyo-Mitsubishi UFJ Ltd.

  



  



 




2.30%
  
03/10/19
  
 
600,000
  
  
 
597,615
  
 
(b)



 
The Boeing Co.

  



  



 




1.65%
  
10/30/20
  
 
208,000
  
  
 
203,630
  
 




2.60%
  
10/30/25
  
 
208,000
  
  
 
201,363
  
 




2.85%
  
10/30/24
  
 
291,000
  
  
 
288,256
  
 




 
The Coca-Cola Co.

  



  



 




2.88%
  
10/27/25
  
 
416,000
  
  
 
410,188
  
 




 
The Dow Chemical Co.

  



  



 




4.25%
  
10/01/34
  
 
213,000
  
  
 
192,197
  
 




 
The Goldman Sachs Group Inc.

  



  



 




2.38%
  
01/22/18
  
 
501,000
  
  
 
505,362
  
 




2.60%
  
04/23/20
  
 
415,000
  
  
 
414,058
  
 




2.63%
  
01/31/19
  
 
207,000
  
  
 
208,509
  
 




2.90%
  
07/19/18
  
 
179,000
  
  
 
182,501
  
 




3.75%
  
05/22/25
  
 
356,000
  
  
 
358,517
  
 




4.00%
  
03/03/24
  
 
208,000
  
  
 
213,597
  
 




4.25%
  
10/21/25
  
 
69,000
  
  
 
68,515
  
 




4.80%
  
07/08/44
  
 
452,000
  
  
 
448,968
  
 




5.15%
  
05/22/45
  
 
209,000
  
  
 
202,878
  
 




 
The Home Depot Inc.

  



  



 




3.35%
  
09/15/25
  
 
292,000
  
  
 
298,563
  
 




 
The Korea Development Bank

  



  



 




3.25%
  
03/09/16
  
 
380,000
  
  
 
381,502
  
 




3.38%
  
09/16/25
  
 
205,000
  
  
 
208,724
  
 




4.00%
  
09/09/16
  
 
220,000
  
  
 
224,093
  
 




 
The Kroger Co.

  



  



 




2.95%
  
11/01/21
  
 
291,000
  
  
 
288,179
  
 




 
The Progressive Corp.

  



  



 




3.70%
  
01/26/45
  
 
168,000
  
  
 
152,043
  
 




























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
The Toronto-Dominion Bank

  



  



 




2.50%
  
12/14/20
  

$

378,000
  
  

$

377,831
  
 




 
The Williams Companies Inc.

  



  



 




8.75%
  
03/15/32
  
 
82,000
  
  
 
61,814
  
 




 
TIAA Asset Management Finance Company LLC

  



  



 




4.13%
  
11/01/24
  
 
208,000
  
  
 
208,820
  
 
(b)



 
Time Inc.

  



  



 




5.75%
  
04/15/22
  
 
433,000
  
  
 
396,195
  
 
(b)



 
Time Warner Cable Inc.

  



  



 




4.50%
  
09/15/42
  
 
42,000
  
  
 
32,959
  
 




6.55%
  
05/01/37
  
 
123,000
  
  
 
124,407
  
 




 
Time Warner Inc.

  



  



 




3.60%
  
07/15/25
  
 
229,000
  
  
 
223,027
  
 




3.88%
  
01/15/26
  
 
382,000
  
  
 
378,861
  
 




5.35%
  
12/15/43
  
 
359,000
  
  
 
358,175
  
 




 
Tyco Electronics Group S.A.

  



  



 




2.35%
  
08/01/19
  
 
413,000
  
  
 
411,650
  
 




 
Tyco International Finance S.A.

  



  



 




5.13%
  
09/14/45
  
 
125,000
  
  
 
129,690
  
 




 
Tyson Foods Inc.

  



  



 




2.65%
  
08/15/19
  
 
206,000
  
  
 
206,166
  
 




3.95%
  
08/15/24
  
 
137,000
  
  
 
140,671
  
 




5.15%
  
08/15/44
  
 
137,000
  
  
 
143,069
  
 




 
U.S. Bancorp

  



  



 




3.44%
  
02/01/16
  
 
645,000
  
  
 
645,824
  
 




5.13%
  
12/29/49
  
 
417,000
  
  
 
418,960
  
 
(i)



 
UBS Group Funding Jersey Ltd.

  



  



 




2.95%
  
09/24/20
  
 
200,000
  
  
 
198,154
  
 
(b)



4.13%
  
09/24/25
  
 
250,000
  
  
 
249,897
  
 
(b)



 
Ultra Petroleum Corp.

  



  



 




6.13%
  
10/01/24
  
 
428,000
  
  
 
97,370
  
 
(b)



 
United Rentals North America Inc.

  



  



 




6.13%
  
06/15/23
  
 
340,000
  
  
 
347,650
  
 




 
UnitedHealth Group Inc.

  



  



 




2.70%
  
07/15/20
  
 
501,000
  
  
 
506,445
  
 




4.75%
  
07/15/45
  
 
332,000
  
  
 
349,369
  
 




 
US Bank NA

  



  



 




2.80%
  
01/27/25
  
 
310,000
  
  
 
301,849
  
 




 
Valeant Pharmaceuticals International Inc.

  



  



 




6.13%
  
04/15/25
  
 
345,000
  
  
 
307,913
  
 
(b)



6.38%
  
10/15/20
  
 
229,000
  
  
 
220,985
  
 
(b)



 
Ventas Realty LP

  



  



 




4.13%
  
01/15/26
  
 
169,000
  
  
 
168,463
  
 




 
Verizon Communications Inc.

  



  



 




1.35%
  
06/09/17
  
 
1,018,000
  
  
 
1,015,102
  
 




3.50%
  
11/01/24
  
 
207,000
  
  
 
204,555
  
 




4.15%
  
03/15/24
  
 
415,000
  
  
 
426,745
  
 




4.40%
  
11/01/34
  
 
208,000
  
  
 
191,907
  
 




4.67%
  
03/15/55
  
 
146,000
  
  
 
126,650
  
 




4.86%
  
08/21/46
  
 
208,000
  
  
 
196,782
  
 




5.05%
  
03/15/34
  
 
128,000
  
  
 
127,455
  
 




5.15%
  
09/15/23
  
 
229,000
  
  
 
251,772
  
 




6.55%
  
09/15/43
  
 
141,000
  
  
 
167,392
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
54 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Virgin Media Finance PLC

  



  



 




5.75%
  
01/15/25
  

$

435,000
  
  

$

418,688
  
 
(b)



 
Visa Inc.

  



  



 




2.80%
  
12/14/22
  
 
265,000
  
  
 
265,476
  
 




3.15%
  
12/14/25
  
 
265,000
  
  
 
265,560
  
 




4.30%
  
12/14/45
  
 
124,000
  
  
 
125,685
  
 




 
Volkswagen Group of America Finance LLC

  



  



 




0.81%
  
11/20/17
  
 
206,000
  
  
 
197,949
  
 
(b,i)



2.13%
  
05/23/19
  
 
152,000
  
  
 
144,246
  
 
(b)



2.45%
  
11/20/19
  
 
205,000
  
  
 
196,574
  
 
(b)



 
W.R. Grace & Co.

  



  



 




5.13%
  
10/01/21
  
 
160,000
  
  
 
161,600
  
 
(b)



5.63%
  
10/01/24
  
 
428,000
  
  
 
432,280
  
 
(b)



 
Wal-Mart Stores Inc.

  



  



 




4.30%
  
04/22/44
  
 
179,000
  
  
 
182,508
  
 




 
Wells Fargo & Co.

  



  



 




2.55%
  
12/07/20
  
 
378,000
  
  
 
376,104
  
 




3.00%
  
02/19/25
  
 
208,000
  
  
 
202,332
  
 




3.90%
  
05/01/45
  
 
208,000
  
  
 
191,778
  
 




4.10%
  
06/03/26
  
 
266,000
  
  
 
268,526
  
 




4.30%
  
07/22/27
  
 
167,000
  
  
 
170,615
  
 




5.88%
  
12/29/49
  
 
290,000
  
  
 
305,225
  
 
(i)



5.90%
  
12/29/49
  
 
273,000
  
  
 
275,389
  
 
(i)



 
Williams Partners LP

  



  



 




5.40%
  
03/04/44
  
 
42,000
  
  
 
28,138
  
 




 
Windstream Services LLC

  



  



 




6.38%
  
08/01/23
  
 
400,000
  
  
 
288,000
  
 




 
WMG Acquisition Corp.

  



  



 




6.00%
  
01/15/21
  
 
90,000
  
  
 
90,450
  
 
(b)



 
WPP Finance 2010

  



  



 




3.75%
  
09/19/24
  
 
415,000
  
  
 
413,074
  
 




 
WPX Energy Inc.

  



  



 




5.25%
  
01/15/17
  
 
399,000
  
  
 
373,065
  
 




 
XLIT Ltd.

  



  



 




5.25%
  
12/15/43
  
 
175,000
  
  
 
180,975
  
 




 
Zimmer Biomet Holdings Inc.

  



  



 




3.55%
  
04/01/25
  
 
208,000
  
  
 
202,228
  
 






  
 
131,080,864
  
 









 
Non-Agency Collateralized Mortgage Obligations — 11.2%

 
  

 




 
American Tower Trust I (REIT)

 
  

 




1.55%
  
03/15/43
  
 
627,000
  
  
 
612,356
  
 
(b)



 
Banc of America Commercial Mortgage Trust 2006-4

  



  



 




5.68%
  
07/10/46
  
 
190,000
  
  
 
193,959
  
 




 
Banc of America Commercial Mortgage Trust 2007-1

  



  



 




5.48%
  
01/15/49
  
 
880,000
  
  
 
901,099
  
 
(i)



 
Banc of America Commercial Mortgage Trust 2007-4

  



  



 




5.74%
  
02/10/51
  
 
27,484
  
  
 
28,594
  
 
(i)



 
Banc of America Commercial Mortgage Trust 2008-1

  



  



 




6.22%
  
02/10/51
  
 
142,209
  
  
 
150,600
  
 
(i)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Banc of America Merrill Lynch Commercial Mortgage Inc. 2005-1

  



  



 




5.34%
  
11/10/42
  

$

96,019
  
  

$

95,912
  
 
(i)



 
Banc of America Merrill Lynch Commercial Mortgage Trust 2014-520M

  



  



 




4.18%
  
08/15/46
  
 
165,040
  
  
 
170,505
  
 
(b,i)



 
Bear Stearns Commercial Mortgage Securities Trust 2006-T22

  



  



 




5.62%
  
04/12/38
  
 
210,000
  
  
 
211,416
  
 
(i)



 
Bear Stearns Commercial Mortgage Securities Trust 2007-PW18

  



  



 




6.09%
  
06/11/50
  
 
430,000
  
  
 
456,312
  
 
(i)



 
Citigroup Commercial Mortgage Trust 2014-GC23

  



  



 




4.51%
  
07/10/47
  
 
834,000
  
  
 
695,573
  
 
(b,i)



 
Citigroup Commercial Mortgage Trust 2015-GC33

  



  



 




3.17%
  
09/10/58
  
 
200,411
  
  
 
140,055
  
 




 
Citigroup Commercial Mortgage Trust 2015-P1

  



  



 




3.72%
  
09/15/48
  
 
825,222
  
  
 
840,949
  
 




 
COMM 2013-CR12 Mortgage Trust

  



  



 




5.08%
  
10/10/46
  
 
100,000
  
  
 
93,926
  
 
(b,i)



 
COMM 2013-LC13 Mortgage Trust

  



  



 




4.56%
  
08/10/46
  
 
170,000
  
  
 
182,649
  
 
(b,i)



 
COMM 2014-CR14 Mortgage Trust

  



  



 




4.53%
  
02/10/47
  
 
240,000
  
  
 
257,488
  
 
(i)



 
COMM 2014-CR19 Mortgage Trust

  



  



 




4.72%
  
08/10/47
  
 
195,777
  
  
 
169,351
  
 
(b,i)



 
COMM 2014-CR20 Mortgage Trust

  



  



 




4.51%
  
11/10/47
  
 
204,175
  
  
 
198,437
  
 
(i)



 
COMM 2014-CR21 Mortgage Trust

  



  



 




3.99%
  
12/10/47
  
 
403,396
  
  
 
415,223
  
 




 
COMM 2015-CR23 Mortgage Trust

  



  



 




4.26%
  
05/10/48
  
 
197,046
  
  
 
181,555
  
 
(i)



 
COMM 2015-CR24 Mortgage Trust

  



  



 




3.46%
  
08/10/55
  
 
401,080
  
  
 
297,300
  
 




3.70%
  
08/10/55
  
 
400,511
  
  
 
407,044
  
 




4.37%
  
08/10/55
  
 
360,571
  
  
 
343,292
  
 
(i)



 
COMM 2015-LC19 Mortgage Trust

  



  



 




2.87%
  
02/10/48
  
 
312,000
  
  
 
232,156
  
 
(b)



 
COMM 2015-PC1 Mortgage Trust

  



  



 




4.44%
  
07/10/50
  
 
196,196
  
  
 
195,324
  
 
(i)



 
Core Industrial Trust 2015-CALW

  



  



 




3.25%
  
02/10/34
  
 
395,784
  
  
 
393,409
  
 
(b)



 
Credit Suisse Commercial Mortgage Trust 2006-C1

  



  



 




5.46%
  
02/15/39
  
 
512,183
  
  
 
511,735
  
 
(i)



 
CSAIL 2015-C2 Commercial Mortgage Trust

  



  



 




4.21%
  
06/15/57
  
 
135,000
  
  
 
104,427
  
 
(i)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
55 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
CSAIL 2015-C3 Commercial Mortgage Trust

  



  



 




3.36%
  
08/15/48
  

$

240,335
  
  

$

173,737
  
 
(i)



4.11%
  
08/15/48
  
 
320,447
  
  
 
313,887
  
 
(i)



 
GS Mortgage Securities Corp. II 2012-GCJ9

  



  



 




2.33%
  
11/10/45
  
 
951,262
  
  
 
91,595
  
 
(g,i)



 
GS Mortgage Securities Corp. Trust 2012-ALOH

  



  



 




3.55%
  
04/10/34
  
 
210,000
  
  
 
215,849
  
 
(b)



 
GS Mortgage Securities Trust 2011-GC5

  



  



 




3.00%
  
08/10/44
  
 
404,023
  
  
 
406,043
  
 




5.31%
  
08/10/44
  
 
190,000
  
  
 
209,329
  
 
(b,i)



 
GS Mortgage Securities Trust 2014-GC20

  



  



 




4.26%
  
04/10/47
  
 
215,000
  
  
 
224,668
  
 




 
GS Mortgage Securities Trust 2014-NEW

  



  



 




3.79%
  
01/10/31
  
 
420,000
  
  
 
419,259
  
 
(b)



 
GS Mortgage Securities Trust 2015-GC28

  



  



 




1.17%
  
02/10/48
  
 
2,736,928
  
  
 
187,625
  
 
(g,i)



 
GS Mortgage Securities Trust 2015-GC32

  



  



 




3.35%
  
07/10/48
  
 
220,408
  
  
 
160,537
  
 




4.41%
  
07/10/48
  
 
103,472
  
  
 
99,596
  
 
(i)



 
GS Mortgage Securities Trust 2015-GC34

  



  



 




2.98%
  
10/10/48
  
 
460,912
  
  
 
320,034
  
 




 
GS Mortgage Securities Trust 2015-GS1

  



  



 




3.27%
  
11/10/48
  
 
556,028
  
  
 
402,367
  
 




 
Impac CMB Trust Series 2004-5

  



  



 




1.14%
  
10/25/34
  
 
137,563
  
  
 
129,630
  
 
(i)



 
JP Morgan Chase Commercial Mortgage Securities Corp. 2012-LC9

  



  



 




1.87%
  
12/15/47
  
 
1,233,892
  
  
 
94,164
  
 
(g,i)



 
JP Morgan Chase Commercial Mortgage Securities Trust 2006-LDP8

  



  



 




5.44%
  
05/15/45
  
 
270,000
  
  
 
274,702
  
 




 
JP Morgan Chase Commercial Mortgage Securities Trust 2007-CB18

  



  



 




5.44%
  
06/12/47
  
 
640,106
  
  
 
655,450
  
 




 
JPMBB Commercial Mortgage Securities Trust 2013-C12

  



  



 




4.03%
  
07/15/45
  
 
125,000
  
  
 
129,905
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2013-C15

  



  



 




5.08%
  
11/15/45
  
 
170,000
  
  
 
176,758
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2013-C17

  



  



 




4.89%
  
01/15/47
  
 
310,000
  
  
 
312,765
  
 
(i)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
JPMBB Commercial Mortgage Securities Trust 2014-C18

  



  



 




4.81%
  
02/15/47
  

$

125,901
  
  

$

109,239
  
 
(b,i) 



4.81%
  
02/15/47
  
 
210,000
  
  
 
209,585
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2015-C29

  



  



 




3.70%
  
05/15/48
  
 
394,870
  
  
 
294,746
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2015-C30

  



  



 




4.31%
  
07/15/48
  
 
400,742
  
  
 
356,768
  
 
(i)



 
JPMBB Commercial Mortgage Securities Trust 2015-C31

  



  



 




3.80%
  
08/15/48
  
 
600,916
  
  
 
614,444
  
 




 
LB-UBS Commercial Mortgage Trust 2004-C8

  



  



 




0.47%
  
12/15/39
  
 
172,925
  
  
 
894
  
 
(b,g,i)



 
LB-UBS Commercial Mortgage Trust 2006-C4

  



  



 




5.82%
  
06/15/38
  
 
156,871
  
  
 
158,245
  
 
(i)



 
LB-UBS Commercial Mortgage Trust 2007-C6

  



  



 




6.11%
  
07/15/40
  
 
243,078
  
  
 
253,850
  
 
(i)



6.11%
  
07/15/40
  
 
520,000
  
  
 
543,085
  
 
(b)



 
MASTR Alternative Loan Trust 2003-5

  



  



 




5.00%
  
08/25/18
  
 
30,121
  
  
 
1,254
  
 
(g)



 
ML-CFC Commercial Mortgage Trust 2006-3

  



  



 




5.46%
  
07/12/46
  
 
570,000
  
  
 
579,336
  
 
(i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2013-C10

  



  



 




4.08%
  
07/15/46
  
 
388,000
  
  
 
377,316
  
 
(i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2013-C9

  



  



 




4.16%
  
05/15/46
  
 
152,326
  
  
 
137,884
  
 
(b,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2014-C14

  



  



 




4.83%
  
02/15/47
  
 
219,667
  
  
 
203,971
  
 
(b,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2014-C15

  



  



 




4.90%
  
04/15/47
  
 
585,125
  
  
 
530,700
  
 
(b,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2014-C18

  



  



 




3.39%
  
10/15/47
  
 
843,762
  
  
 
650,430
  
 
(b)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2014-C19

  



  



 




3.25%
  
12/15/47
  
 
242,461
  
  
 
180,506
  
 
(b)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2015-C20

  



  



 




1.42%
  
02/15/48
  
 
3,137,524
  
  
 
270,901
  
 
(g,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2015-C21

  



  



 




0.99%
  
03/15/48
  
 
3,743,993
  
  
 
241,422
  
 
(g,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2015-C22

  



  



 




3.88%
  
04/15/48
  
 
355,828
  
  
 
347,547
  
 
(i)



4.24%
  
04/15/48
  
 
990,221
  
  
 
803,823
  
 
(b,i)




 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
56 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Morgan Stanley Bank of America Merrill Lynch Trust 2015-C23

  



  



 




4.14%
  
07/15/50
  

$

1,039,616
  
  

$

841,096
  
 
(b,i)



 
Morgan Stanley Bank of America Merrill Lynch Trust 2015-C24

  



  



 




3.73%
  
05/15/48
  
 
777,954
  
  
 
793,225
  
 




4.35%
  
05/15/48
  
 
801,268
  
  
 
793,893
  
 
(i)



 
Morgan Stanley Capital I Trust 2005-T17

  



  



 




4.84%
  
12/13/41
  
 
65,448
  
  
 
65,685
  
 
(i)



 
Morgan Stanley Capital I Trust 2006-IQ11

  



  



 




5.78%
  
10/15/42
  
 
250,000
  
  
 
249,820
  
 
(i)



 
Morgan Stanley Capital I Trust 2006-T21

  



  



 




5.27%
  
10/12/52
  
 
234,684
  
  
 
234,548
  
 
(i)



 
Morgan Stanley Capital I Trust 2006-T23

  



  



 




5.85%
  
08/12/41
  
 
133,241
  
  
 
134,175
  
 
(i)



 
Morgan Stanley Capital I Trust 2007-IQ16

  



  



 




6.05%
  
12/12/49
  
 
430,000
  
  
 
450,849
  
 
(i)



 
Morgan Stanley Capital I Trust 2008-T29

  



  



 




6.27%
  
01/11/43
  
 
210,000
  
  
 
224,995
  
 
(i)



 
Morgan Stanley Capital I Trust 2012-C4

  



  



 




5.21%
  
03/15/45
  
 
190,000
  
  
 
204,547
  
 
(b,i)



 
Morgan Stanley Capital I Trust 2015-MS1

  



  



 




4.03%
  
05/15/48
  
 
270,000
  
  
 
212,116
  
 
(b,i)



 
Morgan Stanley Capital I Trust 2015-UBS8

  



  



 




3.81%
  
12/15/48
  
 
730,575
  
  
 
743,039
  
 




 
Wells Fargo Commercial Mortgage Trust 2015-C26

  



  



 




1.41%
  
02/15/48
  
 
3,184,875
  
  
 
274,539
  
 
(g,i)



 
Wells Fargo Commercial Mortgage Trust 2015-C29

  



  



 




4.01%
  
06/15/48
  
 
589,167
  
  
 
600,831
  
 




4.22%
  
06/15/48
  
 
327,315
  
  
 
257,158
  
 
(i)



 
Wells Fargo Commercial Mortgage Trust 2015-C30

  



  



 




4.50%
  
09/15/58
  
 
200,306
  
  
 
162,918
  
 
(b,i)



 
Wells Fargo Commercial Mortgage Trust 2015-C31

  



  



 




3.70%
  
11/15/48
  
 
400,660
  
  
 
406,245
  
 




 
Wells Fargo Commercial Mortgage Trust 2015-LC22

  



  



 




4.54%
  
09/15/58
  
 
200,550
  
  
 
163,923
  
 
(i)



 
Wells Fargo Commercial Mortgage Trust 2015-NXS2

  



  



 




4.25%
  
07/15/58
  
 
200,441
  
  
 
157,922
  
 
(i)



 
Wells Fargo Commercial Mortgage Trust 2015-P2

  



  



 




4.90%
  
12/15/48
  
 
1,016,442
  
  
 
994,131
  
 
(i)



























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Wells Fargo Commercial Mortgage Trust 2015-SG1

  



  



 




3.79%
  
12/15/47
  

$

520,937
  
  

$

532,790
  
 




4.47%
  
12/15/47
  
 
200,305
  
  
 
188,756
  
 
(i)



 
Wells Fargo Mortgage Backed Securities Trust 2006-3

  



  



 




5.50%
  
03/25/36
  
 
107,679
  
  
 
4,323
  
 




 
WFRBS Commercial Mortgage Trust 2013-C17

  



  



 




4.26%
  
12/15/46
  
 
235,000
  
  
 
248,403
  
 




5.13%
  
12/15/46
  
 
170,000
  
  
 
161,841
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2013-C18

  



  



 




4.67%
  
12/15/46
  
 
230,603
  
  
 
214,332
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-C19

  



  



 




4.23%
  
03/15/47
  
 
400,926
  
  
 
336,572
  
 
(b)



4.72%
  
03/15/47
  
 
290,000
  
  
 
303,842
  
 
(i)



 
WFRBS Commercial Mortgage Trust 2014-C22

  



  



 




3.91%
  
09/15/57
  
 
535,456
  
  
 
431,975
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-C24

  



  



 




3.69%
  
11/15/47
  
 
769,611
  
  
 
591,701
  
 
(b)



 
WFRBS Commercial Mortgage Trust 2014-C25

  



  



 




3.80%
  
11/15/47
  
 
96,000
  
  
 
73,422
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2014-LC14

  



  



 




4.35%
  
03/15/47
  
 
533,000
  
  
 
562,433
  
 
(i)



4.59%
  
03/15/47
  
 
590,543
  
  
 
505,641
  
 
(b,i)



 
WFRBS Commercial Mortgage Trust 2015-C31

  



  



 




3.85%
  
11/15/48
  
 
100,165
  
  
 
73,590
  
 






  
 
32,539,768
  
 











 
Sovereign Bonds — 1.1%

  



  



 











 
Government of Colombia

  



  



 




2.63%
  
03/15/23
  
 
323,000
  
  
 
283,756
  
 




5.63%
  
02/26/44
  
 
334,000
  
  
 
304,775
  
 




 
Government of Mexico

  



  



 




3.60%
  
01/30/25
  
 
319,000
  
  
 
310,866
  
 




4.00%
  
10/02/23
  
 
208,000
  
  
 
210,704
  
 




4.60%
  
01/23/46
  
 
300,000
  
  
 
265,500
  
 




4.75%
  
03/08/44
  
 
398,000
  
  
 
362,578
  
 




 
Government of Panama

  



  



 




4.00%
  
09/22/24
  
 
200,000
  
  
 
200,000
  
 




 
Government of Peru

  



  



 




4.13%
  
08/25/27
  
 
123,000
  
  
 
120,540
  
 




5.63%
  
11/18/50
  
 
67,000
  
  
 
68,340
  
 




 
Government of Philippines

  



  



 




3.95%
  
01/20/40
  
 
200,000
  
  
 
202,327
  
 




4.20%
  
01/21/24
  
 
200,000
  
  
 
216,637
  
 





 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
57 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

























 
  
 
  
Principal
Amount		
 
  
Fair
Value		
 
 
 





 
Government of Turkey

  



  



 




3.25%
  
03/23/23
  

$

293,000
  
  

$

268,404
  
 




4.88%
  
04/16/43
  
 
206,000
  
  
 
181,280
  
 




6.63%
  
02/17/45
  
 
137,000
  
  
 
153,522
  
 





  

  



  
 
3,149,229
  
 









 
Municipal Bonds and Notes — 0.7%

 
  

 











 
American Municipal Power Inc.

  



  



 




6.27%
  
02/15/50
  
 
275,000
  
  
 
319,806
  
 




 
Municipal Electric Authority of Georgia

  



  



 




6.64%
  
04/01/57
  
 
317,000
  
  
 
380,435
  
 




 
New Jersey Transportation Trust Fund Authority

  



  



 




6.88%
  
12/15/39
  
 
165,000
  
  
 
172,907
  
 




 
Port Authority of New York & New Jersey

  



  



 




4.46%
  
10/01/62
  
 
520,000
  
  
 
499,756
  
 




 
South Carolina State Public Service Authority

  



  



 




6.45%
  
01/01/50
  
 
200,000
  
  
 
250,514
  
 




 
State of California

  



  



 




5.70%
  
11/01/21
  
 
280,000
  
  
 
328,468
  
 




 
State of Illinois

  



  



 




5.10%
  
06/01/33
  
 
125,000
  
  
 
118,206
  
 





  

  



  
 
2,070,092
  
 











 
FNMA (TBA) — 0.0%*

  



  



 











 
Lehman TBA

  



  



 




5.50%
  
TBA
  
 
155,556
  
  
 
8,556
  
 
(o,q)










 
Total Bonds and Notes
(Cost $290,865,806)

  



  
 
287,167,521
  
 



 




















 
  
Number
of Shares		
  
Fair
Value		
 
 
 





 
Domestic Equity — 0.1%







 
Preferred Stock — 0.1%










 
Wells Fargo & Co.

  

  



 




 
(Cost $322,150)

  
12,886
  
$
336,582
  
 











 
Total Investments in Securities
(Cost $291,187,956)

  

  
 
287,504,103
  
 





  

  



 




 
Short-Term Investments — 5.1%

  
 
  
 
 
 
 
 










 
State Street Institutional U.S. Government Money Market Fund — Premier Class

  

  



 




 
0.09%

  

  
$
14,834,395
  
 
(d,h,p)



 
(Cost $14,834,395)

  

  



 











 
Total Investments
(Cost $306,022,351)

  

  
 
302,338,498
  
 











 
Liabilities in Excess of Other
Assets, net — (4.3)%

  

  
 
(12,466,060
) 
 





  

  
 
 

 
 

 
 











 
NET ASSETS — 100.0%

  

  
$
289,872,438
  
 





  

  
 
 

 
 

 
 





  

  



 



 
 














 
Other Information:


 
Centrally Cleared Credit Default Swaps – Sell Protection 


 












































Reference
Entity		
 
Counterparty
 
Notional
Amount
(000s
omitted)		
 
Contract
annual
Fixed Rate		
 
Termination
Date		
 
Market
Value		
 
Unamortized
Upfront
Payments
Received		
 
Unrealized
Appreciation



 
Markit CDX North America High Yield Index

 
CME Group Inc.
 
 
$
3,300
 
 
 
 
5.00
%
 
 
 
12/20/20
 
 
 
$
42,342
 
 
 
$
(17,656
)
 
 
$
59,998
 







     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
58 








Table of Contents














 
Elfun Income Fund

 
December 31, 2015
 
 
 



LOGO
 


 

 
The Fund had the following long futures contracts open at December 31, 2015: 


 




























Description
 
Expiration
date		
 
Number
of
Contracts		
 
Current
Notional
Value		
 
Unrealized
Appreciation
(Depreciation)





 
Ultra Long-Term U.S. Treasury Bond Futures

 
March 2016
 
 
 
24
 
 
 
$
3,808,500
 
 
 
$
8,510
 



 
2 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
160
 
 
 
 
34,757,500
 
 
 
 
(72,283
)




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 



 
 
$
(63,773
)




 

 
 



 
 



 
 
 
 

 
 

 


 
The Fund had the following short futures contracts open at December 31, 2015: 


 




























Description
 
Expiration
date		
 
Number
of
Contracts		
 
Current
Notional
Value		
 
Unrealized
Appreciation
(Depreciation)





 
U.S. Long Bond Futures

 
March 2016
 
 
 
2
 
 
 
$
(307,500
)
 
 
$
(1,317
)



 
5 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
49
 
 
 
 
(5,797,695
)
 
 
 
9,051
 



 
10 Yr. U.S. Treasury Notes Futures

 
March 2016
 
 
 
276
 
 
 
 
(34,750,125
)
 
 
 
221,840
 




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 
$
229,574
 




 

 
 



 
 



 
 
 
 

 
 

 




 

 
 



 
 
$
165,801
 




 

 
 



 
 



 
 
 
 

 
 

 


 

 
    



 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
59 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 


 

 
SSgA Funds Management, Inc. (“SSgA FM”) is the sub-adviser to the Elfun Government Money Market Fund.
SSgA FM is registered with the SEC as an investment adviser under the Investment Advisers Act of 1940, as amended, and is a wholly owned subsidiary of State Street Corporation (State Street), a publicly held bank holding company. SSgA FM, and other
advisory affiliates of State Street make up State Street Global Advisors (SSgA), the investment management arm of State Street. The Fund is managed by a team of portfolio managers and the key professionals involved in the day-to-day portfolio
management for the Fund include: Jeff A. St. Peters and Todd N. Bean. See portfolio managers’ biographical information beginning on page 98. 
 
 





Q.
How did the Elfun Government Money Market Fund perform compared to its benchmark for the twelve-month period ended December 31, 2015? 


 





A.
For the twelve-month period ended December 31, 2015, the Elfun Government Money Market Fund returned 0.08%. The 90-day Treasury Bill, the Fund’s benchmark, returned 0.05% over the same period. 


 





Q.
What market factors affected the Fund’s performance? 
 
 





A.
There were two market factors that affected the Fund’s performance. First the Federal Reserve’s rate hike and second the debt ceiling debate. 


 





    
It was anticipated the Fed would raise their benchmark interest rate at some point in 2015. Early in the year market participants expected rates to rise at the June meeting. Hopes were dashed as winter weather dampened
economic output and put the Fed on hold. As spring and summer took hold once again the Fed’s possible hike at their September meeting became a likely scenario. But global fears took over and put the Fed on hold once again. It was not until we
received strong economic data in the fourth quarter coupled with comments by Fed officials that a December hike became a reality. 
 
 





    
The second challenge for the short term markets was the debt ceiling debate. Given the negotiations in Washington took longer than expected the US treasury began paying down their Treasury Bill issuance. 1 month Bills
auctions shrank to as little as $5 billion in size from $30 billion. This caused all Treasury Bills from 1 week to 12 weeks to trade at negative yields at certain points in the cycle.







Q.
What were the primary drivers of Fund performance? 
 
 





A.
The primary drivers of the Fund’s performance were the use of floating rate notes. Both US Treasury and US Government Agency Floating rate notes were used in the portfolio and continue to be core positions. These
floating rate notes can offer a pickup in yield to fixed rate offerings while allowing the portfolio manager to manage duration risk more closely. 
 
 





    
The portfolio manager also purchased US treasury coupons and US government agency coupons when they saw a relative value advantage to the equivalent discounted securities. 


 





Q.
Were there any significant changes to the Fund during the period? 
 
 





A.
There were no significant changes to the Fund during the period. The Fund abides by the SEC’s Rule 2a-7 for Government Money Market Fund strategies. The holdings were balanced throughout the year and did not
see any significant shift in investment type. 
 


 
 
 
60 








Table of Contents


 
(Unaudited) 
 
 





LOGO
 
 
Understanding Your Fund’s Expenses 


 

 
As a shareholder of the Fund you incur ongoing costs. Ongoing costs include portfolio management fees, professional
fees, administrative fees and other Fund expenses. The following example is intended to help you understand your ongoing costs (in dollars) of investing in the Fund and to compare these costs with the ongoing costs of investing in other mutual
funds. 
 
To illustrate these ongoing costs, we have provided an example and calculated the expenses paid by investors in units of the Fund during the period.
The information in the following table is based on an investment of $1,000, which is invested at the beginning of the period and held for the entire six-month period ended December 31, 2015. 


Actual Expenses 
 
The first section of the table provides
information about actual account values and actual expenses. You may use the information in this section, together with the amount you invested, to estimate the expenses that you paid over the period. To do so, simply divide your account value by
$1,000 (for example, an $8,600 account value divided by $1,000 = 8.6), then multiply the result by the number given under the heading “Expenses paid during



 

the period” to estimate the expenses you paid on your account during the period. 
 
Hypothetical
Example for Comparison Purposes 
 
The second section of the table provides information about hypothetical account values and hypothetical expenses based on
the Fund’s actual expense ratio and an assumed rate of return of 5% per year before expenses, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual ending account
balance or expenses you paid for the period. You may use this information to compare the ongoing costs of investing in the Fund and other funds. To do so, compare this 5% hypothetical example with the 5% hypothetical examples that appear in the
shareholders reports of other funds. 
 
Please note that the expenses shown in the table are meant to highlight and help you compare ongoing costs only and do
not reflect transaction costs, such as sales charges or redemption fees, if any. Therefore, the second section of the table is useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different
funds. 
 

 
 
 
July 1, 2015 – December 31,
2015 
 
 























  
    
Account value at
the beginning of
the period 
($)		
 
    
Account value
at the end of
the period 
($)		
 
    
Expenses
paid during
the period ($)*		
 





 
Actual Fund Return

    
 
1,000.00
  
    
 
1,000.80
  
    
 
0.55
  



 
Hypothetical 5% Return
(2.5% for the period)

    
 
1,000.00
  
    
 
1,024.65
  
    
 
0.56
  


 
 





*
 
Expenses are equal to the Fund’s annualized net expense ratio of 0.11%** (for the period July 1, 2015 – December 31, 2015), multiplied by the average account value over the period,
multiplied by 184/365 (to reflect the one-half year period). 
 
 





**
 
May differ from expense ratio disclosed in the financial highlights, which is calculated based on the entire fiscal year’s data. 

 
 
 
61 








Table of Contents


 
(Unaudited) 
 



LOGO
 


 














Investment Profile


 
A mutual fund designed for investors who seek a high level of current income consistent with prudent investment management and the
preservation of capital. The Fund seeks to achieve its investment objective by investing at least 99.5% of its assets under normal circumstances in short-term, U.S. Government securities, cash and/or repurchase agreements that are collateralized by
cash or government securities. 
 
 













Sector Allocation


 
Portfolio composition as a % of Fair Value of Investments of $130,929 (in thousands) on December 31, 2015 (a) 
 
 
 
 


 
 



LOGO
 
 
 


 















Change in Value of a $10,000 Investment


 
 
 



LOGO
 
 
 
 



LOGO
 
 
 













Average Annual Total Return


 
For the Periods Ended December 31, 2015 
 
 































(Inception date: 6/13/90)
 
  
 
  
 
  



  
 
One
Year		
 
Five
Year		
 
Ten
Year		
 
Ending Value of a
$10,000
Investment





 
Elfun Government Money Market Fund

 
 
 
0.08%
  
 
 
 
0.05%
  
 
 
 
1.34%
  
 
 
 
$11,420
  



 
90 Day U.S. T-Bill

 
 
 
0.05%
  
 
 
 
0.06%
  
 
 
 
1.11%
  
 
 
 
$11,235
  


 
 

 
 





(a)
The securities information regarding holdings, allocations and other characteristics is presented to illustrate examples of securities that the Fund has bought and the diversity of areas in which the Fund may invest
as of a particular date. It may not be representative of the Fund’s current or future investments and should not be construed as a recommendation to purchase or sell a particular security. 


See Notes to Performance beginning on page 1 for further information, including an explanation of Morningstar peer categories. 


Past performance does not predict future performance. The performance shown in the graphs and tables does not reflect the deduction of taxes that a
shareholder would pay on Fund distributions or the redemption of Fund shares. 
 
An investment in the Elfun Government Money Market Fund is not
insured or guaranteed by the Federal Deposit Insurance 
 
Corporation or by any other Government agency. Although the Fund seeks to preserve the
value of your investment at $1.00 per 
 
unit, it is possible to lose money by investing in the Fund. 

 
 
 
62 








Table of Contents














 
Elfun Government Money Market Fund

 
December 31, 2015
 
 
 



LOGO
 


 




















Elfun Government Money Market Fund


 
























 
  
 
  
Principal
Amount		
 
  
Amortized
Cost		
 
  
 



 
Short-Term Investments — 101.5%†

 
  

  
 








 
U.S. Treasuries — 22.6%

 
  

  











 
U.S. Treasury Bills

  



  



  




0.06%
  
01/07/16
  
$
13,000,000
  
  
$
12,999,875
  
  
(d)



0.07%
  
01/14/16
  
 
5,000,000
  
  
 
4,999,872
  
  
(d)



0.12%
  
02/04/16
  
 
5,000,000
  
  
 
4,999,455
  
  
(d)



0.14%
  
02/25/16
  
 
3,000,000
  
  
 
2,999,358
  
  
(d)



0.15%
  
02/18/16
  
 
3,000,000
  
  
 
2,999,420
  
  
(d)



0.18%
  
03/17/16
  
 
125,000
  
  
 
124,953
  
  
(d)




  

  



  
 
29,122,933
  
  










 
U.S. Government Agency Obligations — 63.3%

 
  

  



  











 
Fannie Mae Discount Notes

  



  



  




0.06%
  
01/27/16
  
 
200,000
  
  
 
199,991
  
  
(d)



0.07%
  
02/03/16
  
 
350,000
  
  
 
349,979
  
  
(d)



0.08%
  
01/13/16 - 01/20/16
  
 
1,300,000
  
  
 
1,299,952
  
  
(d)



0.09%
  
01/06/16 - 01/08/16
  
 
2,100,000
  
  
 
2,099,970
  
  
(d)



0.15%
  
02/17/16
  
 
500,000
  
  
 
499,902
  
  
(d)



0.20%
  
02/24/16
  
 
750,000
  
  
 
749,775
  
  
(d)



0.34%
  
03/30/16
  
 
400,000
  
  
 
399,669
  
  
(d)



0.38%
  
04/06/16
  
 
1,500,000
  
  
 
1,498,480
  
  
(d)



0.40%
  
03/16/16
  
 
1,000,000
  
  
 
999,167
  
  
(d)



 
Federal Farm Credit Banks

  



  



  




0.24%
  
01/05/16
  
 
750,000
  
  
 
750,000
  
  
(i)



0.27%
  
01/11/16
  
 
725,000
  
  
 
725,000
  
  
(i)



0.28%
  
09/09/16
  
 
400,000
  
  
 
400,004
  
  
(i)



0.32%
  
02/18/16
  
 
1,000,000
  
  
 
999,988
  
  
(i)



0.41%
  
10/26/16
  
 
700,000
  
  
 
700,000
  
  
(i)



 
Federal Farm Credit Discount Notes

  



  



  




0.09%
  
01/19/16
  
 
300,000
  
  
 
299,986
  
  
(d)



0.18%
  
01/21/16 - 01/28/16
  
 
400,000
  
  
 
399,951
  
  
(d)



 
Federal Home Loan Bank Discount Notes

  



  



  




0.10%
  
01/05/16
  
 
700,000
  
  
 
699,993
  
  
(d)



0.11%
  
01/04/16 - 01/13/16
  
 
14,900,000
  
  
 
14,899,670
  
  
(d)



0.12%
  
01/15/16 - 01/27/16
  
 
5,500,000
  
  
 
5,499,688
  
  
(d)



0.15%
  
01/28/16
  
 
600,000
  
  
 
599,935
  
  
(d)



0.17%
  
02/05/16
  
 
1,000,000
  
  
 
999,839
  
  
(d)



0.37%
  
04/01/16
  
 
2,500,000
  
  
 
2,497,678
  
  
(d)



0.38%
  
03/30/16
  
 
1,000,000
  
  
 
999,073
  
  
(d)



0.40%
  
03/23/16
  
 
3,000,000
  
  
 
2,997,280
  
  
(d)



 
Federal Home Loan Banks

  



  



  




0.23%
  
07/08/16
  
 
1,000,000
  
  
 
1,000,000
  
  
(i)



0.26%
  
08/12/16
  
 
2,000,000
  
  
 
2,000,000
  
  
(i)



0.28%
  
07/15/16
  
 
2,000,000
  
  
 
2,000,000
  
  
(i)



0.37%
  
06/24/16
  
 
2,665,000
  
  
 
2,665,000
  
  
(i)



0.39%
  
09/20/16
  
 
1,000,000
  
  
 
1,000,000
  
  
(i)



0.40%
  
01/25/16
  
 
1,000,000
  
  
 
1,000,000
  
  
(i)



























 
  
 
  
Principal
Amount		
 
  
Amortized
Cost		
 
 
 





 
Federal Home Loan Mortgage Corp.

  



  



 




0.30%
  
08/17/16
  

$

1,200,000
  
  

$

1,200,000
  
 
(i)



0.37%
  
08/24/16
  
 
1,250,000
  
  
 
1,250,000
  
 
(i)



 
Freddie Mac Discount Notes

  



  



 




0.07%
  
01/25/16
  
 
200,000
  
  
 
199,991
  
 
(d)



0.09%
  
01/14/16 - 01/20/16
  
 
6,600,000
  
  
 
6,599,729
  
 
(d)



0.10%
  
01/04/16
  
 
200,000
  
  
 
199,998
  
 
(d)



0.12%
  
01/07/16
  
 
3,000,000
  
  
 
2,999,940
  
 
(d)



0.14%
  
01/15/16 - 02/11/16
  
 
4,100,000
  
  
 
4,099,668
  
 
(d)



0.15%
  
03/04/16
  
 
800,000
  
  
 
799,790
  
 
(d)



0.18%
  
02/09/16
  
 
1,000,000
  
  
 
999,810
  
 
(d)



0.20%
  
02/17/16
  
 
2,000,000
  
  
 
1,999,478
  
 
(d)



0.23%
  
01/08/16 - 03/09/16
  
 
4,500,000
  
  
 
4,498,680
  
 
(d)



0.27%
  
02/26/16
  
 
2,200,000
  
  
 
2,199,079
  
 
(d)



0.28%
  
03/14/16
  
 
1,400,000
  
  
 
1,399,205
  
 
(d)



0.43%
  
03/08/16
  
 
1,000,000
  
  
 
999,200
  
 
(d)



0.45%
  
04/11/16
  
 
1,000,000
  
  
 
998,737
  
 
(d)




  

  



  
 
  81,673,275
  
 










 
Repurchase Agreements — 15.6%

 
  

  



 











 
Citigroup Global Markets, Inc. U.S. Treasury Repo 0.32% dated 12/31/15, to be repurchased at $9,000,080 on 01/04/16
collateralized by $9,180,019 U.S. Treasury Note, 2.00%, maturing on 09/30/20, respectively. 01/04/16

  
 
9,000,000
  
  
 
9,000,000
  
 











 
Merrill Lynch, Pierce, Fenner & Smith, Inc. U.S. Treasury Repo 0.29% dated 12/31/15, to be repurchased at
$11,133,090 on 01/04/16 collateralized by $11,355,750 U.S. Treasury Note, 1.38%, maturing on 02/29/20. 01/04/16

  
 
11,133,000
  
  
 
11,133,000
  
 





  

  



  
 
20,133,000
  
 











 
Total Short-Term Investments
(Cost $130,929,208)

  



  
 
130,929,208
  
 











 
Liabilities in Excess of Other Assets, net — (1.5)%

  



  
 
(1,890,440
) 
 





  

  



  
 
 

 
 

 
 











 
NET ASSETS — 100.0%

  



  
$
129,038,768
  
 





  

  



  
 
 

 
 

 
 



 


 






     

 
 


See Notes to Schedules of Investments and Notes to Financial Statements. 

 
 
 
63 








Table of Contents


 



LOGO
 
 
December 31, 2015 


 

 
The views expressed in this document reflect our judgment as of the publication date and are subject to change at
any time without notice. The securities cited may not be representative of the Funds’ future investments and should not be construed as a recommendation to purchase or sell a particular security. See each Funds’ summary prospectus and the
Funds’ statutory prospectus for complete descriptions of investment objectives, policies, risks and permissible investments. 
 
 





(a)
Non-income producing security. 
 
 





(b)
Pursuant to Rule 144A of the Securities Act of 1933, as amended, these securities may be resold in transactions exempt from registration, normally to qualified institutional buyers. At December 31, 2015, these
securities amounted to $7,916,176 and $34,949,769 or 3.78% and 12.06% of the net assets of the Elfun Diversified Fund and Elfun Income Fund, respectively. These securities have been determined to be liquid using procedures established by the
Fund’s Board of Directors. 
 
 





(c)
Settlement is on a delayed delivery or when-issued basis with final maturity to be announced (TBA) in the future. 
 
 





(d)
Coupon amount represents effective yield. 
 
 





(e)
State Street Corp. is the parent company of State Street Bank & Trust Co., the Fund’s sub-administrator, custodian and accounting agent. 


 





(f)
Principal only security. These securities represent the right to receive the monthly principal payments on an underlying pool of mortgages. No payments of interest on the pool are passed through to the “principal
only” holder. 
 
 





(g)
Interest only security. These securities represent the right to receive the monthly interest payments on an underlying pool of mortgages. Payments of principal on the pool reduce the value of the “interest
only” holding. 
 
 





(h)
At December 31, 2015, all or a portion of this security was pledged to cover collateral requirements for futures, swaps and/or TBA’s. 


 





(i)
Variable or floating rate security. The stated rate represents the rate at December 31, 2015. 
 
 





(j)
Step coupon bond. 
 
 





(k)
Escrowed to maturity Bonds are collateralized by U.S. Treasury securities which are held in escrow by a trustee and are used to pay principal and interest on such bonds.







(l)
Pre-refunded Bonds are collateralized by U.S. Treasury securities, which are held in escrow by a trustee and are used to pay principal and interest on the tax-exempt issue to retire the bonds at the earliest refunding
date. 
 
 





(m)
The security is insured by AGC, AGMC, AMBAC, FGIC or NPFG. The Elfun Tax-Exempt Fund had no insurance concentrations of 5% or greater as of December 31, 2015 (as a percentage of net assets). 


 





(n)
Represents a payment-in-kind security which may pay all or a portion of interest in additional par. 
 
 





(o)
Security is in default. 
 
 





(p)
Sponsored by SSGA Funds Management, Inc., an affiliate of State Street Bank & Trust Co., the Fund’s sub-administrator, custodian and accounting agent. 


 





(q)
Security is fair valued by the Valuation Committee, in accordance with the procedures approved by GEAM’s Board of Trustees. 
 
 





†
Percentages are based on net assets as of December 31, 2015. 
 
 





*
Less than 0.05% 
 
 





**
Less than 0.005% 
 
Abbreviations: 
 
 


















ADR
 
—
 
American Depositary Receipt









AGC
 
—
 
Assured Guaranty Corporation









AGMC
 
—
 
Assured Guaranty Municipal Company









AMBAC
 
—
 
AMBAC Indemnity Corporation









FGIC
 
—
 
Financial Guaranty Insurance Corporation









NPFG
 
—
 
National Public Finance Guaranty Corporation









REIT
 
—
 
Real Estate Investment Trust









REMIC
 
—
 
Real Estate Mortgage Investment Conduit









SPDR
 
—
 
Standard and Poor’s Depositary Receipt









STRIPS
 
—
 
Separate Trading of Registered Interest and Principal of Security









TBA
 
—
 
To Be Announced


 
 


 
 
 
64 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun International Equity Fund
  
12/31/15
 
  
12/31/14
 
 
12/31/13
 
 
12/31/12
 
 
12/31/11
 



Inception date
  
—
 
  
—
 
 
—
 
 
—
 
 
1/1/88
 





 
Net asset value, beginning of period

  
$
19.70
  
  
$
21.93
  
 
$
18.31
  
 
$
15.43
  
 
$
18.92
  



 
Income/(loss) from investment operations:

  



  



 



 



 






 
Net investment income

  
 
0.34
  
  
 
0.58
  
 
 
0.37
  
 
 
0.35
  
 
 
0.44
  



 
Net realized and unrealized gains/(losses) on investments

  
 
(0.37)
  
  
 
(2.24)
  
 
 
3.62
  
 
 
2.88
  
 
 
(3.48)
  



 
Total income/(loss) from investment operations

  
 
(0.03)
  
  
 
(1.66)
  
 
 
3.99
  
 
 
3.23
  
 
 
(3.04)
  












 
Less distributions from:

  



  



 



 



 






 
Net investment income

  
 
0.36
  
  
 
0.57
  
 
 
0.37
  
 
 
0.35
  
 
 
0.44
  



 
Return of capital

  
 
—
  
  
 
—
  
 
 
—
  
 
 
0.00
* 
 
 
0.01
  



 
Total distributions

  
 
0.36
  
  
 
0.57
  
 
 
0.37
  
 
 
0.35
  
 
 
0.45
  












 
Net asset value, end of period

  
$
19.31
  
  
$
19.70
  
 
$
21.93
  
 
$
18.31
  
 
$
15.43
  












 
TOTAL RETURN(a)

  
 
(0.18)%
  
  
 
(7.62)%
  
 
 
21.81%
  
 
 
20.95%
  
 
 
(16.02)%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



  



 



 



 






 
Net assets, end of period (in thousands)

  
$
234,448
  
  
$
254,310
  
 
$
306,922
  
 
$
260,728
  
 
$
240,572
  



 
Ratios to average net assets:

  



  



 



 



 






 
Net expenses

  
 
0.35%
  
  
 
0.33%
(b) 
 
 
0.31%
(b) 
 
 
0.45%
(b) 
 
 
0.30%
(b) 



 
Gross expenses

  
 
0.35%
  
  
 
0.33%
  
 
 
0.31%
  
 
 
0.45%
  
 
 
0.31%
  



 
Net investment income

  
 
1.59%
  
  
 
2.54%
  
 
 
1.83%
  
 
 
1.98%
  
 
 
2.34%
  



 
Portfolio turnover rate

  
 
24%
  
  
 
36%
  
 
 
49%
  
 
 
47%
  
 
 
39%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and assume no sales charge. Past performance does not guarantee future results.






(b)
Includes contractual management fee waiver related to the Fund’s investments in the GE Institutional Money Market Fund (the “Money Market Fund”). The fee waiver agreement was terminated effective
June 30, 2014 with the closure of the Money Market Fund. 





*
Rounds to less than $0.005. 
 
 


 
 
The accompanying Notes are an integral part of
these financial statements. 

 
 
 
65 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun Trusts
  
12/31/15
 
  
12/31/14
 
 
12/31/13
 
 
12/31/12
 
 
12/31/11
 



Inception date
  
—
 
  
—
 
 
—
 
 
—
 
 
5/27/35
 





 
Net asset value, beginning of period

  
$
58.02
  
  
$
56.07
  
 
$
44.06
  
 
$
40.35
  
 
$
41.38
  



 
Income/(loss) from investment operations:

  



  



 



 



 






 
Net investment income

  
 
0.80
  
  
 
0.75
  
 
 
0.71
  
 
 
0.77
  
 
 
0.48
  



 
Net realized and unrealized gains/(losses) on investments

  
 
0.25
  
  
 
6.67
  
 
 
14.68
  
 
 
7.77
  
 
 
0.06
  



 
Total income from investment operations

  
 
1.05
  
  
 
7.42
  
 
 
15.39
  
 
 
8.54
  
 
 
0.54
  












 
Less distributions from:

  



  



 



 



 






 
Net investment income

  
 
0.80
  
  
 
0.75
  
 
 
0.72
  
 
 
0.76
  
 
 
0.48
  



 
Net realized gains

  
 
3.68
  
  
 
4.72
  
 
 
2.66
  
 
 
4.07
  
 
 
1.09
  



 
Total distributions

  
 
4.48
  
  
 
5.47
  
 
 
3.38
  
 
 
4.83
  
 
 
1.57
  












 
Net asset value, end of period

  
$
54.59
  
  
$
58.02
  
 
$
56.07
  
 
$
44.06
  
 
$
40.35
  












 
TOTAL RETURN(a)

  
 
1.70%
  
  
 
13.13%
  
 
 
34.98%
  
 
 
21.27%
  
 
 
1.33%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



  



 



 



 






 
Net assets, end of period (in thousands)

  
$
2,364,319
  
  
$
2,476,637
  
 
$
2,326,948
  
 
$
1,820,262
  
 
$
1,647,396
  



 
Ratios to average net assets:

  



  



 



 



 






 
Net expenses

  
 
0.16%
  
  
 
0.18%
(b) 
 
 
0.15%
(b) 
 
 
0.19%
(b) 
 
 
0.21%
(b) 



 
Gross expenses

  
 
0.16%
  
  
 
0.18%
  
 
 
0.15%
  
 
 
0.19%
  
 
 
0.21%
  



 
Net investment income

  
 
1.32%
  
  
 
1.26%
  
 
 
1.36%
  
 
 
1.60%
  
 
 
1.09%
  



 
Portfolio turnover rate

  
 
11%
  
  
 
13%
  
 
 
12%
  
 
 
11%
  
 
 
16%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and do not include the effect of insurance contract charges. Past performance does not
guarantee future results. 





(b)
Includes contractual management fee waiver related to the Fund’s investments in the GE Institutional Money Market Fund (the “Money Market Fund”). The fee waiver agreement was terminated effective
June 30, 2014 with the closure of the Money Market Fund. 
 
 


 
 
The accompanying Notes are an integral part of
these financial statements. 

 
 
 
66 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun Diversified Fund
  
12/31/15
 
  
12/31/14
 
 
12/31/13
 
 
12/31/12
 
 
12/31/11
 



Inception date
  
—
 
  
—
 
 
—
 
 
—
 
 
1/1/88
 





 
Net asset value, beginning of period

  
$
18.78
  
  
$
19.84
  
 
$
18.30
  
 
$
16.53
  
 
$
17.41
  



 
Income/(loss) from investment operations:

  



  



 



 



 






 
Net investment income

  
 
0.34
  
  
 
0.37
  
 
 
0.36
  
 
 
0.33
  
 
 
0.38
  



 
Net realized and unrealized gains/(losses) on investments

  
 
(0.57)
  
  
 
0.62
  
 
 
2.70
  
 
 
1.78
  
 
 
(0.83)
  



 
Total income/(loss) from investment operations

  
 
(0.23)
  
  
 
0.99
  
 
 
3.06
  
 
 
2.11
  
 
 
(0.45)
  












 
Less distributions from:

  



  



 



 



 






 
Net investment income

  
 
0.34
  
  
 
0.37
  
 
 
0.35
  
 
 
0.34
  
 
 
0.43
  



 
Net realized gains

  
 
0.71
  
  
 
1.65
  
 
 
1.17
  
 
 
—
  
 
 
—
  



 
Return of capital

  
 
—
  
  
 
0.03
  
 
 
—
  
 
 
—
  
 
 
—
  



 
Total distributions

  
 
1.05
  
  
 
2.05
  
 
 
1.52
  
 
 
0.34
  
 
 
0.43
  












 
Net asset value, end of period

  
$
17.50
  
  
$
18.78
  
 
$
19.84
  
 
$
18.30
  
 
$
16.53
  












 
TOTAL RETURN(a)

  
 
(1.25)%
  
  
 
4.95%
  
 
 
16.79%
  
 
 
12.77%
  
 
 
(2.60)%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



  



 



 



 






 
Net assets, end of period (in thousands)

  
$
209,688
  
  
$
230,123
  
 
$
235,903
  
 
$
213,168
  
 
$
210,095
  



 
Ratios to average net assets:

  



  



 



 



 






 
Net expenses

  
 
0.37%
  
  
 
0.39%
(b) 
 
 
0.33%
(b) 
 
 
0.46%
(b) 
 
 
0.40%
(b) 



 
Gross expenses

  
 
0.37%
  
  
 
0.39%
  
 
 
0.34%
  
 
 
0.47%
  
 
 
0.41%
  



 
Net investment income

  
 
1.69%
  
  
 
1.79%
  
 
 
1.78%
  
 
 
1.75%
  
 
 
2.11%
  



 
Portfolio turnover rate

  
 
123%
  
  
 
176%
  
 
 
144%
  
 
 
173%
  
 
 
197%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and do not include the effect of insurance contract charges. Past performance does not
guarantee future results. 





(b)
Includes contractual management fee waiver related to the Fund’s investments in the GE Institutional Money Market Fund (the “Money Market Fund”). The fee waiver agreement was terminated effective
June 30, 2014 with the closure of the Money Market Fund. 
 
 


 
 
The accompanying Notes are an integral part of
these financial statements. 

 
 
 
67 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun Tax-Exempt Income Fund
  
12/31/15
 
  
12/31/14
 
  
12/31/13
 
 
12/31/12
 
  
12/31/11
 



Inception date
  
—
 
  
—
 
  
—
 
 
—
 
  
1/1/80
 





 
Net asset value, beginning of period

  
$
11.97
  
  
$
11.34
  
  
$
12.32
  
 
$
11.97
  
  
$
11.33
  



 
Income/(loss) from investment operations:

  



  



  



 



  






 
Net investment income

  
 
0.46
  
  
 
0.47
  
  
 
0.49
  
 
 
0.51
  
  
 
0.53
  



 
Net realized and unrealized gains/(losses) on investments

  
 
(0.09)
  
  
 
0.63
  
  
 
(0.98)
  
 
 
0.37
  
  
 
0.64
  



 
Total income/(loss) from investment operations

  
 
0.37
  
  
 
1.10
  
  
 
(0.49)
  
 
 
0.88
  
  
 
1.17
  












 
Less distributions from:

  



  



  



 



  






 
Net investment income

  
 
0.46
  
  
 
0.47
  
  
 
0.49
  
 
 
0.51
  
  
 
0.53
  



 
Net realized gains

  
 
—
  
  
 
—
  
  
 
0.00
* 
 
 
0.02
  
  
 
—
  



 
Total distributions

  
 
0.46
  
  
 
0.47
  
  
 
0.49
  
 
 
0.53
  
  
 
0.53
  












 
Net asset value, end of period

  
$
11.88
  
  
$
11.97
  
  
$
11.34
  
 
$
12.32
  
  
$
11.97
  












 
TOTAL RETURN(a)

  
 
3.21%
  
  
 
9.85%
  
  
 
(4.06)%
  
 
 
7.45%
  
  
 
10.57%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



  



  



 



  






 
Net assets, end of period (in thousands)

  
$
1,588,272
  
  
$
1,624,266
  
  
$
1,568,533
  
 
$
1,785,176
  
  
$
1,730,904
  



 
Ratios to average net assets:

  



  



  



 



  






 
Net expenses

  
 
0.18%
  
  
 
0.21%
  
  
 
0.23%
  
 
 
0.18%
  
  
 
0.19%
  



 
Gross expenses

  
 
0.18%
  
  
 
0.21%
  
  
 
0.23%
  
 
 
0.18%
  
  
 
0.19%
  



 
Net investment income

  
 
3.92%
  
  
 
4.01%
  
  
 
4.14%
  
 
 
4.18%
  
  
 
4.56%
  



 
Portfolio turnover rate

  
 
22%
  
  
 
34%
  
  
 
28%
  
 
 
28%
  
  
 
31%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and assume no sales charge. Past performance does not guarantee future results.






*
Rounds to less than $0.005. 
 
 


 
 
The accompanying Notes are an integral part of
these financial statements. 

 
 
 
68 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun Income Fund
  
12/31/15
 
  
12/31/14
 
 
12/31/13
 
 
12/31/12
 
 
12/31/11
 



Inception date
  
—
 
  
—
 
 
—
 
 
—
 
 
12/31/84
 





 
Net asset value, beginning of period

  
$
11.57
  
  
$
11.22
  
 
$
11.65
  
 
$
11.58
  
 
$
11.18
  



 
Income/(loss) from investment operations:

  



  



 



 



 






 
Net investment income

  
 
0.32
  
  
 
0.29
  
 
 
0.29
  
 
 
0.26
  
 
 
0.39
  



 
Net realized and unrealized gains/(losses) on investments

  
 
(0.29)
  
  
 
0.35
  
 
 
(0.40)
  
 
 
0.42
  
 
 
0.48
  



 
Total income/(loss) from investment operations

  
 
0.03
  
  
 
0.64
  
 
 
(0.11)
  
 
 
0.68
  
 
 
0.87
  












 
Less distributions from:

  



  



 



 



 






 
Net investment income

  
 
0.32
  
  
 
0.29
  
 
 
0.29
  
 
 
0.26
  
 
 
0.38
  



 
Net realized gains

  
 
0.02
  
  
 
0.00
* 
 
 
0.03
  
 
 
0.35
  
 
 
0.09
  



 
Total distributions

  
 
0.34
  
  
 
0.29
  
 
 
0.32
  
 
 
0.61
  
 
 
0.47
  












 
Net asset value, end of period

  
$
11.26
  
  
$
11.57
  
 
$
11.22
  
 
$
11.65
  
 
$
11.58
  












 
TOTAL RETURN(a)

  
 
0.22%
  
  
 
5.75%
  
 
 
(0.95)%
  
 
 
5.94%
  
 
 
7.87%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



  



 



 



 






 
Net assets, end of period (in thousands)

  
$
289,872
  
  
$
312,756
  
 
$
319,994
  
 
$
364,407
  
 
$
363,029
  



 
Ratios to average net assets:

  



  



 



 



 






 
Net expenses

  
 
0.28%
  
  
 
0.29%
(b) 
 
 
0.28%
(b) 
 
 
0.23%
(b) 
 
 
0.24%
(b) 



 
Gross expenses

  
 
0.28%
  
  
 
0.29%
  
 
 
0.29%
  
 
 
0.25%
  
 
 
0.26%
  



 
Net investment income

  
 
2.71%
  
  
 
2.50%
  
 
 
2.53%
  
 
 
2.20%
  
 
 
3.39%
  



 
Portfolio turnover rate

  
 
278%
  
  
 
326%
  
 
 
330%
  
 
 
402%
  
 
 
438%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and do not include the effect of insurance contract charges. Past performance does not
guarantee future results. 





(b)
Includes contractual management fee waiver related to the Fund’s investments in the GE Institutional Money Market Fund (the “Money Market Fund”). The fee waiver agreement was terminated effective
June 30, 2014 with the closure of the Money Market Fund. 





*
Rounds to less than $0.005. 
 
 


 
 
The accompanying Notes are an integral part of
these financial statements. 

 
 
 
69 








Table of Contents


 



LOGO
 
 
Selected data based on a share outstanding throughout the fiscal years indicated 


 































Elfun Government Money Market Fund
  
12/31/15
 
 
12/31/14
 
 
12/31/13
 
 
12/31/12
 
 
12/31/11
 



Inception date
  
—
 
 
—
 
 
—
 
 
—
 
 
6/13/90
 





 
Net asset value, beginning of period

  
$
1.00
  
 
$
1.00
  
 
$
1.00
  
 
$
1.00
  
 
$
1.00
  



 
Income/(loss) from investment operations:

  



 



 



 



 






 
Net investment income

  
 
—
  
 
 
—
  
 
 
—
  
 
 
—
  
 
 
0.00
* 



 
Total income from investment operations

  
 
—
  
 
 
—
  
 
 
—
  
 
 
—
  
 
 
0.00
* 












 
Less distributions from:

  



 



 



 



 






 
Net investment income

  
 
0.00
* 
 
 
0.00
* 
 
 
—
  
 
 
—
  
 
 
0.00
* 



 
Net realized gains

  
 
—
  
 
 
—
  
 
 
0.00
* 
 
 
—
  
 
 
—
  



 
Total distributions

  
 
0.00
* 
 
 
0.00
* 
 
 
0.00
* 
 
 
—
  
 
 
0.00
* 












 
Net asset value, end of period

  
$
1.00
  
 
$
1.00
  
 
$
1.00
  
 
$
1.00
  
 
$
1.00
  












 
TOTAL RETURN(a)

  
 
0.08%
  
 
 
0.05%
  
 
 
0.04%
  
 
 
0.00%
  
 
 
0.07%
  












 
RATIOS/SUPPLEMENTAL DATA:

  



 



 



 



 






 
Net assets, end of period (in thousands)

  
$
129,039
  
 
$
139,218
  
 
$
166,530
  
 
$
164,529
  
 
$
177,378
  



 
Ratios to average net assets:

  



 



 



 



 






 
Net expenses

  
 
0.09%
** 
 
 
0.05%
** 
 
 
0.11%
** 
 
 
0.18%
** 
 
 
0.23%
** 



 
Gross expenses

  
 
0.25%
  
 
 
0.36%
  
 
 
0.34%
  
 
 
0.32%
  
 
 
0.32%
  



 
Net investment income

  
 
—%
  
 
 
—%
  
 
 
—%
  
 
 
—%
  
 
 
0.01%
  


 
 





(a)
Total returns are historical and assume changes in share price, reinvestment of dividends and capital gains distributions and assume no sales charge. Past performance does not guarantee future results.






*
Rounds to less than $0.005. 





**
GEAM has voluntarily undertaken to reduce its management fee and/or subsidize certain expenses of the Fund to the extent necessary to maintain a minimum annualized yield of 0.00%. 


 
 
 


The accompanying Notes are an integral part of these financial statements. 

 
 
 
70 








Table of Contents


 



LOGO
 
 
 
 
 


[This page intentionally left blank.] 

 
 
 
71 








Table of Contents
































 
Statements of Assets and
Liabilities
 
December 31, 2015

  
ELFUN
INTERNATIONAL
EQUITY FUND		
  
 
ELFUN


TRUSTS

 
 












 
ASSETS

  
 



  
 



 




 
Investments in securities, at fair value (cost $218,447,011; $1,368,999,454; $178,343,016; $1,446,747,853; $291,187,956 and $0,
respectively)

  
 
$
223,947,003
 
  
 
$
2,308,512,370
 
 




 
Short-term investments, at Amortized Cost

  
 
 
9,904,614
 
  
 
 
50,527,506
 
 




 
Repurchase agreements

  
 
 
—
 
  
 
 
—
 
 




 
Cash

  
 
 
—
 
  
 
 
—
 
 




 
Restricted cash(1)

  
 
 
389,039
 
  
 
 
—
 
 




 
Foreign currency (cost $16,951; $0; $3,049; $0; $0 and $0, respectively)

  
 
 
16,946
 
  
 
 
—
 
 




 
Receivable from GEAM

  
 
 
—
 
  
 
 
—
 
 




 
Receivable for investments sold

  
 
 
—
 
  
 
 
—
 
 




 
Income receivables

  
 
 
450,321
 
  
 
 
5,425,666
 
 




 
Receivable for fund shares sold

  
 
 
15,608
 
  
 
 
757,236
 
 




 
Receivable for variation margin on open centrally cleared swap contracts

  
 
 
—
 
  
 
 
—
 
 




 
Other assets

  
 
 
—
 
  
 
 
46,611
 
 




 
Total assets

  
 
 
234,723,531
 
  
 
 
2,365,269,389
 
 




 
LIABILITIES

  
 



  
 



 




 
Distribution payable to shareholders

  
 
 
—
 
  
 
 
—
 
 




 
Payable for investments purchased

  
 
 
—
 
  
 
 
—
 
 




 
Payable for fund shares redeemed

  
 
 
54,142
 
  
 
 
421,453
 
 




 
Payable to GEAM

  
 
 
67,680
 
  
 
 
142,862
 
 




 
Accrued other expenses

  
 
 
150,761
 
  
 
 
385,596
 
 




 
Variation margin payable on open futures contracts

  
 
 
375
 
  
 
 
—
 
 




 
Accrued foreign capital gains tax

  
 
 
2,755
 
  
 
 
—
 
 




 
Total liabilities

  
 
 
275,713
 
  
 
 
949,911
 
 




 
NET ASSETS

  
 
$
234,447,818
 
  
 
$
2,364,319,478
 
 




 
NET ASSETS CONSIST OF:

  
 



  
 



 




 
Capital paid in

  
 
$
243,991,584
 
  
 
$
1,424,730,859
 
 




 
Undistributed (distributions in excess of) net investment income

  
 
 
—
 
  
 
 
—
 
 




 
Accumulated net realized gain (loss)

  
 
 
(15,068,007
)
  
 
 
75,703
 
 




 
Net unrealized appreciation (depreciation) on:

  
 



  
 



 




 
Investments

  
 
 
5,497,237
 
  
 
 
939,512,916
 
 




 
Futures

  
 
 
55,067
 
  
 
 
—
 
 




 
Swap contracts

  
 
 
—
 
  
 
 
—
 
 




 
Foreign currency related transactions

  
 
 
(28,063
)
  
 
 
—
 
 




 
NET ASSETS

  
 
$
234,447,818
 
  
 
$
2,364,319,478
 
 




 
Shares outstanding (Par value $10; $10; $10; $10; $10; and $1, respectively; unlimited shares authorized)

  
 
 
12,141,072
 
  
 
 
43,307,307
 
 




 
Net asset value, offering and redemption price per share

  
 
 
$19.31
 
  
 
 
$54.59
 
 



 
 





(1)
Deposits at broker for futures contracts. 

 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
72 








Table of Contents









































 
  
ELFUN
DIVERSIFIED
FUND		
  
ELFUN
TAX-EXEMPT
INCOME FUND		
  
ELFUN
INCOME FUND		
  
 
ELFUN


GOVERNMENT
MONEY MARKET FUND














  
 



  
 



  
 



  
 















  
 
$
184,123,143
 
  
 
$
1,558,382,012
 
  
 
$
287,504,103
 
  
 
$
—
 




  
 
 
28,561,801
 
  
 
 
39,963,873
 
  
 
 
14,834,395
 
  
 
 
110,796,208
 




  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
  
 
 
20,133,000
 




  
 
 
9,579
 
  
 
 
—
 
  
 
 
—
 
  
 
 
973
 




  
 
 
409,200
 
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
 
3,049
 
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
  
 
 
4,751
 




  
 
 
—
 
  
 
 
—
 
  
 
 
4,222,391
 
  
 
 
—
 




  
 
 
650,544
 
  
 
 
20,176,428
 
  
 
 
1,979,795
 
  
 
 
2,034
 




  
 
 
11,528
 
  
 
 
141,117
 
  
 
 
90,093
 
  
 
 
978,139
 




  
 
 
308
 
  
 
 
—
 
  
 
 
1,462
 
  
 
 
—
 




  
 
 
—
 
  
 
 
10,648
 
  
 
 
—
 
  
 
 
—
 




  
 
 
213,769,152
 
  
 
 
1,618,674,078
 
  
 
 
308,632,239
 
  
 
 
131,915,105
 




  
 



  
 



  
 



  
 







  
 
 
—
 
  
 
 
1,657,637
 
  
 
 
202,184
 
  
 
 
—
 




  
 
 
3,601,900
 
  
 
 
27,965,751
 
  
 
 
18,124,117
 
  
 
 
2,497,678
 




  
 
 
170,124
 
  
 
 
448,437
 
  
 
 
177,077
 
  
 
 
274,497
 




  
 
 
21,825
 
  
 
 
66,671
 
  
 
 
10,760
 
  
 
 
1,600
 




  
 
 
246,383
 
  
 
 
263,296
 
  
 
 
181,366
 
  
 
 
102,562
 




  
 
 
40,663
 
  
 
 
—
 
  
 
 
64,297
 
  
 
 
—
 




  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
 
4,080,895
 
  
 
 
30,401,792
 
  
 
 
18,759,801
 
  
 
 
2,876,337
 




  
 
$
209,688,257
 
  
 
$
1,588,272,286
 
  
 
$
289,872,438
 
  
 
$
129,038,768
 




  
 



  
 



  
 



  
 







  
 
 
205,210,013
 
  
 
 
1,497,243,832
 
  
 
 
293,500,638
 
  
 
 
129,046,990
 




  
 
 
—
 
  
 
 
62,821
 
  
 
 
359,740
 
  
 
 
(8,222
)




  
 
 
(1,415,667
)
  
 
 
(20,668,526
)
  
 
 
(529,886
)
  
 
 
—
 




  
 



  
 



  
 



  
 







  
 
 
5,780,127
 
  
 
 
111,634,159
 
  
 
 
(3,683,853
)
  
 
 
—
 




  
 
 
106,725
 
  
 
 
—
 
  
 
 
165,801
 
  
 
 
—
 




  
 
 
12,728
 
  
 
 
—
 
  
 
 
59,998
 
  
 
 
—
 




  
 
 
(5,669
)
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
$
209,688,257
 
  
 
$
1,588,272,286
 
  
 
$
289,872,438
 
  
 
$
129,038,768
 












  
 
 
11,981,915
 
  
 
 
133,727,714
 
  
 
 
25,747,104
 
  
 
 
129,235,307
 




  
 
 
$17.50
 
  
 
 
$11.88
 
  
 
 
$11.26
 
  
 
 
$1.00
 



 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
73 








Table of Contents
































 
Statements of Operations


For the year ended December 31, 2015

  
ELFUN
INTERNATIONAL
EQUITY FUND		
  
ELFUN
TRUSTS		
 
 












 
INVESTMENT INCOME

  
 



  
 



 




 
Income

  
 



  
 



 




 
Dividend

  
 
$
5,500,357
 
  
 
$
36,522,628
 
 




 
Interest

  
 
 
1,096
 
  
 
 
14,014
 
 




 
Less: Foreign taxes withheld

  
 
 
(547,279
)
  
 
 
—
 
 




 
Total income

  
 
 
4,954,174
 
  
 
 
36,536,642
 
 




 
Expenses

  
 



  
 



 




 
Advisory and administration fees

  
 
 
553,510
 
  
 
 
3,053,498
 
 




 
Blue Sky fees

  
 
 
10,222
 
  
 
 
16,709
 
 




 
Transfer agent fees

  
 
 
151,768
 
  
 
 
563,436
 
 




 
Custody and accounting expenses

  
 
 
102,924
 
  
 
 
98,059
 
 




 
Professional fees

  
 
 
27,570
 
  
 
 
42,617
 
 




 
Other expenses

  
 
 
47,248
 
  
 
 
141,120
 
 




 
Total expenses before waivers

  
 
 
893,242
 
  
 
 
3,915,439
 
 




 
Less: Fees waived by the adviser

  
 
 
—
 
  
 
 
—
 
 




 
Total expenses

  
 
 
893,242
 
  
 
 
3,915,439
 
 




 
Net investment income

  
 
 
4,060,932
 
  
 
 
32,621,203
 
 




 
NET REALIZED AND UNREALIZED GAIN (LOSS) ON INVESTMENTS

  
 



  
 



 











 
Realized gain (loss) on:

  
 



  
 



 




 
Investments

  
 
 
9,326,514
 
  
 
 
145,937,417
 
 




 
Futures

  
 
 
245,720
 
  
 
 
—
 
 




 
Swap contracts

  
 
 
—
 
  
 
 
—
 
 




 
Foreign currency transactions

  
 
 
(81,419
)
  
 
 
—
 
 











 
Increase (decrease) in unrealized appreciation/depreciation on:

  
 



  
 



 




 
Investments

  
 
 
(12,970,991
)
  
 
 
(134,802,483
)
 




 
Futures

  
 
 
59,843
 
  
 
 
—
 
 




 
Swap contracts

  
 
 
—
 
  
 
 
—
 
 




 
Foreign currency translations

  
 
 
814
 
  
 
 
—
 
 




 
Net realized and unrealized gain (loss) on investments

  
 
 
(3,419,519
)
  
 
 
11,134,934
 
 




 
Net increase (decrease) in net assets resulting from operations

  
 
$
641,413
 
  
 
$
43,756,137
 
 




 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
74 








Table of Contents









































 
  
ELFUN
DIVERSIFIED
FUND		
  
ELFUN
TAX-EXEMPT
INCOME FUND		
  
ELFUN
INCOME FUND		
  
ELFUN
GOVERNMENT MONEY
MARKET FUND














  
 



  
 



  
 



  
 







  
 



  
 



  
 



  
 







  
 
$
2,745,426
 
  
 
$
—
 
  
 
$
20,853
 
  
 
$
—
 




  
 
 
2,048,965
 
  
 
 
65,621,525
 
  
 
 
9,078,173
 
  
 
 
121,463
 




  
 
 
(106,324
)
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
 
4,688,067
 
  
 
 
65,621,525
 
  
 
 
9,099,026
 
  
 
 
121,463
 




  
 



  
 



  
 



  
 







  
 
 
355,562
 
  
 
 
2,446,145
 
  
 
 
469,900
 
  
 
 
121,428
 




  
 
 
6,898
 
  
 
 
14,477
 
  
 
 
9,511
 
  
 
 
13,902
 




  
 
 
117,790
 
  
 
 
252,014
 
  
 
 
139,503
 
  
 
 
82,814
 




  
 
 
291,979
 
  
 
 
92,367
 
  
 
 
178,064
 
  
 
 
61,188
 




  
 
 
30,721
 
  
 
 
29,323
 
  
 
 
22,867
 
  
 
 
22,357
 




  
 
 
38,467
 
  
 
 
98,214
 
  
 
 
33,194
 
  
 
 
23,664
 




  
 
 
841,417
 
  
 
 
2,932,540
 
  
 
 
853,039
 
  
 
 
325,353
 




  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
  
 
 
(203,890
)




  
 
 
841,417
 
  
 
 
2,932,540
 
  
 
 
853,039
 
  
 
 
121,463
 




  
 
 
3,846,650
 
  
 
 
62,688,985
 
  
 
 
8,245,987
 
  
 
 
—
 




  
 



  
 



  
 



  
 















  
 



  
 



  
 



  
 







  
 
 
7,296,596
 
  
 
 
5,292,646
 
  
 
 
(932,811
)
  
 
 
533
 




  
 
 
285,664
 
  
 
 
(713,594
)
  
 
 
628,434
 
  
 
 
—
 




  
 
 
24,652
 
  
 
 
—
 
  
 
 
120,017
 
  
 
 
—
 




  
 
 
(5,925
)
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 












  
 



  
 



  
 



  
 







  
 
 
(14,045,949
)
  
 
 
(16,826,936
)
  
 
 
(7,435,365
)
  
 
 
—
 




  
 
 
(38,357
)
  
 
 
—
 
  
 
 
196,009
 
  
 
 
—
 




  
 
 
12,728
 
  
 
 
—
 
  
 
 
59,998
 
  
 
 
—
 




  
 
 
41
 
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 




  
 
 
(6,470,550
)
  
 
 
(12,247,884
)
  
 
 
(7,363,718
)
  
 
 
533
 




  
 
$
(2,623,900
)
  
 
$
50,441,101
 
  
 
$
882,269
 
  
 
$
533
 



 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
75 








Table of Contents



































 
Statements of Changes


in Net Assets

  
ELFUN
INTERNATIONAL
EQUITY FUND		
  
ELFUN
TRUSTS		
 
 












  
  
 
YEAR ENDED


DECEMBER 31,
2015

  
 
YEAR ENDED


DECEMBER 31,
2014

  
 
YEAR ENDED


DECEMBER 31,
2015

  
 
YEAR ENDED


DECEMBER 31,
2014

 
 





 
INCREASE (DECREASE) IN NET ASSETS

  
 



  
 



  
 



  
 



 




 
Operations:

  
 



  
 



  
 



  
 



 




 
Net investment income

  
 
$
4,060,932
 
  
 
$
7,245,178
 
  
 
$
32,621,203
 
  
 
$
29,857,133
 
 




 
Net realized gain (loss) on investments, futures, swap contracts and foreign currency transactions

  
 
 
9,490,815
 
  
 
 
20,303,790
 
  
 
 
145,937,417
 
  
 
 
191,149,342
 
 




 
Net increase (decrease) in unrealized appreciation/depreciation on investments, futures, swap
contracts and foreign currency translations

  
 
 
(12,910,334
)
  
 
 
(49,641,721
)
  
 
 
(134,802,483
)
  
 
 
76,152,832
 
 




 
Net increase (decrease) from operations

  
 
 
641,413
 
  
 
 
(22,092,753
)
  
 
 
43,756,137
 
  
 
 
297,159,307
 
 




 
Distributions to shareholders from:

  
 



  
 



  
 



  
 



 




 
Net investment income

  
 
 
(4,270,754
)
  
 
 
(7,173,676
)
  
 
 
(32,631,167
)
  
 
 
(29,624,777
)
 




 
Net realized gains

  
 
 
—
 
  
 
 
—
 
  
 
 
(149,723,012
)
  
 
 
(187,625,045
)
 




 
Return of capital

  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
  
 
 
—
 
 




 
Total distributions

  
 
 
(4,270,754
)
  
 
 
(7,173,676
)
  
 
 
(182,354,179
)
  
 
 
(217,249,822
)
 




 
Increase (decrease) in assets from operations and distributions

  
 
 
(3,629,341
)
  
 
 
(29,266,429
)
  
 
 
(138,598,042
)
  
 
 
79,909,485
 
 




 
Share transactions:

  
 



  
 



  
 



  
 



 




 
Proceeds from sale of shares

  
 
 
7,687,967
 
  
 
 
5,989,812
 
  
 
 
52,198,319
 
  
 
 
53,464,351
 
 




 
Value of distributions reinvested

  
 
 
3,767,932
 
  
 
 
6,310,419
 
  
 
 
145,097,677
 
  
 
 
173,632,057
 
 




 
Cost of shares redeemed

  
 
 
(27,688,653
)
  
 
 
(35,645,662
)
  
 
 
(171,015,568
)
  
 
 
(157,316,644
)
 




 
Net increase (decrease) from share transactions

  
 
 
(16,232,754
)
  
 
 
(23,345,431
)
  
 
 
26,280,428
 
  
 
 
69,779,764
 
 




 
Total increase (decrease) in net assets

  
 
 
(19,862,095
)
  
 
 
(52,611,860
)
  
 
 
(112,317,614
)
  
 
 
149,689,249
 
 













 
NET ASSETS

  
 



  
 



  
 



  
 



 




 
Beginning of year

  
 
 
254,309,913
 
  
 
 
306,921,773
 
  
 
 
2,476,637,092
 
  
 
 
2,326,947,843
 
 




 
End of year

  
 
$
234,447,818
 
  
 
$
254,309,913
 
  
 
$
2,364,319,478
 
  
 
$
2,476,637,092
 
 




 
Undistributed (distributions in excess of) net investment income, end of year

  
 
$
—
 
  
 
$
32
 
  
 
$
—
 
  
 
$
80,067
 
 





  
 



  
 



  
 



  
 



 




 
CHANGES IN FUND SHARES

  
 
  
 
  
 
  
 
 
 












 
Shares sold

  
 
 
373,067
 
  
 
 
281,667
 
  
 
 
891,191
 
  
 
 
922,288
 
 




 
Shares issued for distributions reinvested

  
 
 
193,525
 
  
 
 
315,205
 
  
 
 
2,617,674
 
  
 
 
2,962,497
 
 




 
Shares redeemed

  
 
 
(1,332,620
)
  
 
 
(1,685,316
)
  
 
 
(2,888,958
)
  
 
 
(2,698,432
)
 




 
Net increase (decrease) in fund shares

  
 
 
(766,028
)
  
 
 
(1,088,444
)
  
 
 
619,907
 
  
 
 
1,186,353
 
 




 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
76 








Table of Contents

































 
  
ELFUN
DIVERSIFIED
FUND		
  
ELFUN
TAX-EXEMPT
INCOME FUND











 
  
 
YEAR ENDED


DECEMBER 31,
2015

  
 
YEAR ENDED


DECEMBER 31,
2014

  
 
YEAR ENDED


DECEMBER 31,
2015

  
 
YEAR ENDED


DECEMBER 31,
2014






  
 



  
 



  
 



  
 







  
 



  
 



  
 



  
 







  
 
$
3,846,650
 
  
 
$
4,267,269
 
  
 
$
62,688,985
 
  
 
$
64,658,213
 












  
 
 
 		
    
7,600,987		
 
 		
  
 
 
18,531,504
 
  
 
 
4,579,052
 
  
 
 
(8,346,408
)












  
 
 
 

 
(14,071,537

 
)

  
 
 
(11,411,179
)
  
 
 
(16,826,936
)
  
 
 
93,958,249
 




  
 
 
(2,623,900
)
  
 
 
11,387,594
 
  
 
 
50,441,101
 
  
 
 
150,270,054
 




  
 



  
 



  
 



  
 







  
 
 
(3,857,222
)
  
 
 
(4,188,445
)
  
 
 
(62,688,948
)
  
 
 
(64,658,255
)




  
 
 
(8,123,421
)
  
 
 
(18,371,427
)
  
 
 
—
 
  
 
 
—
 




  
 
 
—
 
  
 
 
(379,499
)
  
 
 
—
 
  
 
 
—
 




  
 
 
(11,980,643
)
  
 
 
(22,939,371
)
  
 
 
(62,688,948
)
  
 
 
(64,658,255
)




  
 
 
 

 
(14,604,543

 
)

  
 
 
(11,551,777
)
  
 
 
(12,247,847
)
  
 
 
85,611,799
 




  
 



  
 



  
 



  
 







  
 
 
7,810,219
 
  
 
 
11,842,915
 
  
 
 
43,503,495
 
  
 
 
47,814,369
 




  
 
 
10,589,249
 
  
 
 
20,221,724
 
  
 
 
42,770,187
 
  
 
 
43,941,692
 




  
 
 
(24,229,945
)
  
 
 
(26,292,570
)
  
 
 
(110,019,309
)
  
 
 
(121,634,739
)




  
 
 
 

 
(5,830,477

 
)

  
 
 
5,772,069
 
  
 
 
(23,745,627
)
  
 
 
(29,878,678
)




  
 
 
(20,435,020
)
  
 
 
(5,779,708
)
  
 
 
(35,993,474
)
  
 
 
55,733,121
 












  
 



  
 



  
 



  
 







  
 
 
230,123,277
 
  
 
 
235,902,985
 
  
 
 
1,624,265,760
 
  
 
 
1,568,532,639
 




  
 
$
209,688,257
 
  
 
$
230,123,277
 
  
 
$
1,588,272,286
 
  
 
$
1,624,265,760
 




  
 
 
$

 
—

 
 

  
 
$
24
 
  
 
$
62,821
 
  
 
$
62,784
 




  
 



  
 



  
 



  
 






 
  
 
  
 
  
 
  
 












  
 
 
410,432
 
  
 
 
592,677
 
  
 
 
3,667,801
 
  
 
 
4,057,975
 




  
 
 
600,638
 
  
 
 
1,070,499
 
  
 
 
3,606,297
 
  
 
 
3,720,994
 




  
 
 
(1,284,679
)
  
 
 
(1,295,036
)
  
 
 
(9,286,454
)
  
 
 
(10,321,944
)




  
 
 
(273,609
)
  
 
 
368,140
 
  
 
 
(2,012,356
)
  
 
 
(2,542,975
)



 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
77 








Table of Contents





























 
Statements of Changes


in Net Assets

 
Elfun
Income
Fund		
 
 
Elfun
Government
Money Market Fund		
 











  
 
 
YEAR ENDED


DECEMBER 31,
2015

 
 
 
YEAR ENDED


DECEMBER 31,
2014

 
 
 
YEAR ENDED


DECEMBER 31,
2015

 
 
 
YEAR ENDED


DECEMBER 31,
2014

 





 
INCREASE (DECREASE) IN NET ASSETS

 



 



 



 






 
Operations:

 



 



 



 






 
Net investment income

 
$
8,245,987
  
 
$
7,960,569
  
 
$
—
  
 
$
—
  



 
Net realized gain (loss) on investments, futures and swap contracts

 
 
(184,360
) 
 
 
1,332,147
  
 
 
533
  
 
 
1,213
  



 
Net increase (decrease) in unrealized appreciation/depreciation on investments, futures and swap
contracts

 
 
(7,179,358
) 
 
 
8,371,037
  
 
 
—
  
 
 
—
  



 
Net increase (decrease) from operations

 
 
882,269
  
 
 
17,663,753
  
 
 
533
  
 
 
1,213
  



 
Distributions to shareholders from:

 



 



 



 






 
Net investment income

 
 
(8,344,196
) 
 
 
(7,994,297
) 
 
 
(104,346
) 
 
 
(62,739
) 



 
Net realized gains

 
 
(558,783
) 
 
 
(58,810
) 
 
 
—
  
 
 
—
  



 
Total distributions

 
 
(8,902,979
) 
 
 
(8,053,107
) 
 
 
(104,346
) 
 
 
(62,739
) 



 
Increase (decrease) in assets from operations and distributions

 
 
(8,020,710
) 
 
 
9,610,646
  
 
 
(103,813
) 
 
 
(61,526
) 



 
Share transactions:

 



 



 



 






 
Proceeds from sale of shares

 
 
12,735,564
  
 
 
12,278,351
  
 
 
51,231,809
  
 
 
62,655,321
  



 
Value of distributions reinvested

 
 
6,651,913
  
 
 
5,997,828
  
 
 
94,069
  
 
 
56,986
  



 
Cost of shares redeemed

 
 
(34,250,663
) 
 
 
(35,124,433
) 
 
 
(61,401,374
) 
 
 
(89,963,152
) 



 
Net increase (decrease) from share transactions

 
 
(14,863,186
) 
 
 
(16,848,254
) 
 
 
(10,075,496
) 
 
 
(27,250,845
) 



 
Total increase (decrease) in net assets

 
 
(22,883,896
) 
 
 
(7,237,608
) 
 
 
(10,179,309
) 
 
 
(27,312,371
) 











 
NET ASSETS

 



 



 



 






 
Beginning of year

 
 
312,756,334
  
 
 
319,993,942
  
 
 
139,218,077
  
 
 
166,530,448
  



 
End of year

 
$
289,872,438
  
 
$
312,756,334
  
 
$
129,038,768
  
 
$
139,218,077
  



 
Undistributed (distributions in excess of) net investment income, end of year

 
$
359,740
  
 
$
331,472
  
 
$
(8,222
) 
 
$
—
  




 



 



 



 






 
CHANGES IN FUND SHARES

 
 
 
 
 
 
 
 
 
 
 
 











 
Shares sold

 
 
1,106,849
  
 
 
1,071,105
  
 
 
51,126,809
  
 
 
62,592,321
  



 
Shares issued for distributions reinvested

 
 
579,525
  
 
 
522,120
  
 
 
94,069
  
 
 
56,986
  



 
Shares redeemed

 
 
(2,981,124
) 
 
 
(3,064,658
) 
 
 
(61,401,374
) 
 
 
(89,963,152
) 



 
Net decrease in fund shares

 
 
(1,294,750
) 
 
 
(1,471,433
) 
 
 
(10,180,496
) 
 
 
(27,313,845
) 



 
 
 
 


The accompanying Notes are an integral part of these financial statements. 


 
 
 
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December 31, 2015 
 



LOGO
 


 






1.
Organization of the Funds 
 
The Elfun Funds (each a “Fund” and collectively the “Funds”)
are registered under the Investment Company Act of 1940, as amended (the “1940 Act”), as open-end management investment companies. The Funds operate as Employees’ Securities Companies (as defined in the 1940 Act) and as such are
exempt from certain provisions of the 1940 Act. Each Fund is an investment company and accordingly follows the investment company accounting and reporting guidance of the Financial Accounting Standards Board (“FASB”) Accounting Standard
Codification (“ASC”) Topic 946 Financial Services — Investment Companies. 
 
GE Asset Management Incorporated (“GEAM”), the Funds’
investment adviser, is a wholly owned subsidiary of General Electric Company. 
 
 





2.
Summary of Significant Accounting Policies 
 
The preparation of financial statements in conformity with U.S.
generally accepted accounting principles (“GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the
financial statements and the reported amounts of increases and decreases in net assets from operations during the reporting period. Actual results may differ from those estimates. 


Subsequent events after the balance sheet date through the date the financial statements were issued have been evaluated in the preparation of the financial
statements. There are no items to report. 
 
The following summarizes the significant accounting policies of the Funds: 


Securities Valuation and Transactions  All investments in securities are recorded at their estimated fair value, as described in Note 3. 


Securities transactions are accounted for as of the trade date. Realized gains and losses on investments sold are recorded on the basis of identified cost for
both financial statement and federal tax purposes. 
 
Repurchase Agreements  Some of the Funds engage in repurchase agreement transactions with
respect to instruments that are consistent with the Fund’s



 

investment objectives or policies. The Funds’ custodian takes possession of the collateral pledged for investments in repurchase agreements on behalf of the Funds. The Funds value the
underlying collateral daily on a mark-to-market basis to determine that the value, including accrued interest, is at least equal to 102% for domestic securities and 105% for international securities of the repurchase price. In the event the seller
defaults and the value of the security declines, or if the seller enters an insolvency proceeding, realization of the collateral by the Funds may be delayed or limited. 


At December 31, 2015, the Elfun Government Money Market Fund had investments in repurchase agreements with a gross value of $20,133,000, which is included as
part of repurchase agreements on the Statement of Assets and Liabilities. The value of the related collateral exceeded the value of the repurchase agreements at December 31, 2015. 


Foreign Currency  Accounting records of the Funds are maintained in U.S. dollars. Investment securities and other assets and liabilities
denominated in a foreign currency are translated to U.S. dollars at the prevailing rates of exchange at period end. Purchases and sales of securities, income receipts and expense payments denominated in foreign currencies are translated into U.S.
dollars at the prevailing exchange rate on the respective dates of such transactions. 
 
All assets and liabilities of the Funds initially expressed in foreign
currency values will be converted into U.S. dollars at the WM/Reuters exchange rate computed at 11:00 a.m., Eastern time. 
 
The Funds do not isolate the
portion of the results of operations resulting from changes in foreign exchange rates from the fluctuations arising from changes in the market prices of securities during the year. Such fluctuations are included in the net realized or unrealized
gain or loss from investments. Net realized gains or losses on foreign currency transactions represent net gains or losses on sales and maturities of foreign currency contracts, disposition of foreign currencies, the difference between the amount of
net investment income and withholding taxes accrued and the U.S. dollar amount actually received or paid, and gains or losses between the trade and settlement date on purchases and sales of foreign securities. Net unrealized foreign exchange gains
and losses arising from changes in the value of other 
 


 
 
 
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assets and liabilities (including foreign currencies and open foreign currency contracts) as a result of changes in
foreign exchange rates are included as increases or decreases in unrealized appreciation/depreciation on foreign currency related transactions. 


Derivatives  The Funds are subject to equity price risk, interest rate risk, credit risk, and foreign currency exchange rate risk in the normal
course of pursuing their investment objectives. Certain Funds entered into derivative transactions (such as options, futures, options on future, interest rate futures, interest rate swaps and credit default swaps) to gain or hedge exposure to
certain types of securities as an alternative to investing directly in or selling such securities, or to manage: yield, interest rate exposure (also known as duration), exposure to credit quality, and to gain exposure to certain market segments.

 
Futures Contracts  A futures contract is an agreement to buy or sell a specific amount of a commodity, financial instrument, currency or
index at a particular price and future date. Certain Funds may invest in interest rate, financial and stock or bond index futures contracts subject to certain limitations. During the year ended December 31, 2015, the Elfun International Equity
Fund entered into stock index futures contracts for the purpose of gaining market exposure and investing residual cash positions. The Elfun Diversified Fund entered into futures contracts on various stock indices, bonds and notes for the purposes of
gaining market exposure, investing residual cash positions and managing duration of fixed income investments. The Elfun Tax-Exempt Income Fund and Elfun Income Fund invested in futures contracts on bonds and notes for to manage duration of fixed
income securities. Buying futures tends to increase a Fund’s exposure to the underlying instrument while selling futures tends to decrease a Fund’s exposure to the underlying instrument, or hedge other Fund investments. With futures
contracts, there is minimal counterparty credit risk to a Fund since futures contracts are exchange traded and the exchange’s clearinghouse, as counterparty to all traded futures, guarantees the futures against default. A Fund’s risks in
using these contracts include changes in the value of the underlying instruments, non-performance of the counterparties under the contracts’ terms and changes in the liquidity of the secondary market for the contracts. Futures



 

contracts are valued at the settlement price established each day by the board of trade or exchange on which they principally trade. 


Upon entering into a financial futures contract, a Fund is required to pledge to the broker an amount of cash and/or other assets equal to a certain percentage of
the contract amount, known as initial margin deposit. Subsequent payments, known as variation margin, are made or received by a Fund each day, depending on the daily fluctuation in the fair value of the underlying security. A Fund records an
unrealized gain or loss equal to the daily variation margin. Should market conditions move unexpectedly, a Fund may not achieve the anticipated benefits of the futures contracts and may incur a loss. A Fund recognize a realized gain or loss on the
expiration or closing of a futures contract. 
 
When-Issued Securities and Forward Commitments  The Elfun Income Fund and Elfun Diversified
Fund may purchase or sell securities on a when-issued or forward commitment basis. These transactions are arrangements in which a Fund purchases and sells securities with payment and delivery scheduled a month or more after entering into the
transaction. The price of the underlying securities and the date when these securities will be delivered and paid for are fixed at the time the transaction is negotiated. Losses may arise due to changes in the market value of the underlying
securities or if the counterparty does not perform under the commitments. In connection with such purchases, a Fund maintains cash or liquid assets in an amount equal to the purchase commitments for such underlying securities until settlement date
and for sales commitments a Fund maintains equivalent deliverable securities as “cover” for the transaction. Unsettled commitments are valued at the current market value of the underlying security. Daily fluctuations in the value of such
commitments are recorded as unrealized gains or losses. The Funds will not enter into such commitments for the purpose of investment leverage. 
 
Credit
Default Swaps  During the year ended December 31, 2015, the Elfun Diversified Fund and the Elfun Income Fund engaged in credit default swaps to manage credit risk. When a Fund is the buyer in a credit default swap contract, a Fund
is entitled to receive the par (or other agreed upon) value (full notional value) of a referenced debt obligation (or basket of debt obligations)

 


 
 
 
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from the counterparty (or central clearing party (“CCP”) in the case of a centrally cleared swap) to the
contract if a credit event by a third party, such as a U.S. or foreign corporate issuer or sovereign issuer, on the debt obligation occurs. In return, a Fund pays the counterparty a periodic stream of payments over the term of the contract provided
that no credit event has occurred. If no credit event occurs, a Fund loses its investment and recovers nothing. However, if a credit event occurs, a Fund receives full notional value for a referenced debt obligation that may have little or no value.
When a Fund is the seller of a credit default swap, it receives a fixed rate of income throughout the term of the contract, provided there is no credit event. If a credit event occurs, a Fund is obligated to pay the notional amount of the swap and
in certain instances take delivery of securities of the reference entity upon the occurrence of a credit event, as defined under the terms of that particular swap agreement. Credit events are contract specific but may include bankruptcy, failure to
pay, restructuring, obligation acceleration and repudiation/moratorium. If a Fund is a seller of protection and a credit event occurs, the maximum potential amount of future payments that a Fund could be required to make would be an amount equal to
the notional amount of the agreement. This potential amount would be partially offset by any recovery value of the respective referenced obligation, or net amount received from the settlement of a buy protection credit default swap agreement entered
into by a Fund for the same referenced obligation. As the seller, a Fund may create economic leverage to its portfolio because, in addition to its total net assets, a Fund is subject to investment exposure on the notional amount of the swap. The
interest fee paid or received on the swap, which is based on a specified interest rate on a fixed notional amount, is accrued daily as a component of unrealized appreciation (depreciation) and is recorded as realized gain upon receipt or realized
loss upon payment. A Fund also records an increase or decrease to unrealized appreciation (depreciation) in an amount equal to the daily valuation. For centrally cleared swaps, the daily change in valuation is recorded as a receivable or payable for
variation margin and settled in cash with the CCP daily. All upfront payments, if any, are amortized over the life of the swap as realized gains or losses. Those upfront payments that are paid or received, typically for non-centrally cleared swaps,
are recorded as other assets or other liabilities, respectively, net of amortization.



 

For financial reporting purposes, unamortized upfront payments, if any, are netted with unrealized appreciation or depreciation on swaps to determine the market value of swaps. A Fund segregates
assets in the form of cash or liquid securities in an amount equal to the notional amount of the credit default swaps of which it is the seller. A Fund segregates assets in the form of cash or liquid securities in an amount equal to any unrealized
depreciation of the credit default swaps of which it is the buyer, marked to market on a daily basis. Credit default swaps involve greater risks than if a Fund had invested in the referenced debt obligation directly. If a Fund is a buyer of a credit
default swap and no credit event occurs, a Fund will not earn any return on its investment. If a Fund is a seller of a credit default swap, a Fund’s risk of loss may be the entire notional amount of the swap. Swaps may also subject a Fund to
the risk that the counterparty to the transaction may not fulfill its obligation. In the case of centrally cleared swaps, counterparty risk is minimal due to protections provided by the CCP. 


Forward Foreign Currency Exchange Contracts  Certain Funds may enter into forward foreign currency exchange contracts to facilitate transactions
in foreign denominated securities and to manage currency exposure. Forward foreign currency exchange contracts are valued at the mean between the bid and the offered forward rates as last quoted by a recognized dealer. The aggregate principal
amounts of the contracts are not recorded in a Fund’s financial statements. Such amounts appear under the caption Forward Foreign Currency Contracts in the Schedules of Investments. Fluctuations in the value of the contracts are recorded in the
Statements of Assets and Liabilities as an asset (or liability) and in the Statements of Operations as unrealized appreciation (depreciation) until the contracts are closed, when they are recorded as realized gains or losses on foreign currency
related transactions. A Fund’s risks in using these contracts include changes in the value of foreign currency or the possibility that the counterparties do not perform under the contracts’ terms. When a Fund enters into a forward foreign
currency exchange contract, it is required to segregate cash or liquid securities with its custodian in an amount equal to the value of a Fund’s total assets committed to the consummation of the forward contract. If the value of the segregated
securities declines, additional cash or securities are segregated so 
 


 
 
 
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that the value of the account will equal the amount of a Fund’s commitment with respect to the contract. 


Investments in Foreign Markets  Investments in foreign markets involve special risks and considerations not typically associated with investing
in the United States. These risks include revaluation of currencies, high rates of inflation, restrictions on repatriation of income and capital, and adverse political and economic developments. Moreover, securities issued in these markets may be
less liquid, subject to government ownership controls, tariffs and taxes, subject to delays in settlements, and their prices may be more volatile. 
 
A Fund may
be subject to capital gains and repatriation taxes imposed by certain countries in which it invests. Such taxes are generally based upon income and/or capital gains earned or repatriated. Taxes are accrued based on net investment income, net
realized gains and net unrealized appreciation as income and/or capital gains are earned. 
 
Investment Income  Corporate actions (including
cash dividends) are recorded on the ex-dividend date, net of applicable withholding taxes, except for certain foreign corporate actions which are recorded as soon after the ex-dividend date as such information becomes available. Withholding taxes on
foreign dividends, if any, have been provided for in accordance with a Fund’s understanding of the applicable country’s tax rules and rates. 


Interest income is recorded on the accrual basis. Accretion of discounts and amortization of premiums on taxable bonds are to the call or maturity date, whichever
is shorter, using the effective yield method. 
 
Expenses  Fund specific expenses are charged to the Fund that incurs such expenses. Such
expenses may include custodial fees, legal and accounting fees, printing costs and registration fees. Expenses that are not fund specific are allocated pro rata across the Funds. Expenses of the Fund are generally paid directly by the Fund; however,
expenses may be paid by GEAM and reimbursed by the Fund. 
 
Federal Income Taxes  The Funds intend to comply with all sections of the Internal
Revenue Code of 1986, as amended (the “Internal Revenue Code”) applicable to regulated investment companies, including the distribution of substantially all of their taxable net investment income, tax-exempt income and net realized



 

capital gains to their shareholders. Therefore, no provision for federal income tax has been made. Each Fund is treated as a separate taxpayer for federal income tax purposes. 


 





3.
Security Valuation and Transactions 
 
The Funds utilize various methods to measure the fair value of most of
their investments on a recurring basis. GAAP establishes a framework for measuring fair value and providing related disclosures. Broadly, the framework requires fair value to be determined based on the exchange price that would be received for an
asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. In the absence of active markets for the
identical assets or liabilities, such measurements involve developing assumptions based on market observable data and, in the absence of such data, internal information that is consistent with what market participants would use in a hypothetical
transaction that occurs at the measurement date. It also establishes a three-level valuation hierarchy based upon observable and non-observable inputs. 


Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect our market assumptions. Preference is given to
observable inputs. These two types of inputs create the following fair value hierarchy: 
 
Level 1 – Quoted prices for identical investments in active
markets. 
 
Level 2 – Quoted prices for similar investments in active markets; quoted prices for identical or similar investments in markets that are not
active; and model-derived valuations whose inputs are observable or whose significant value drivers are observable. 
 
Level 3 – Significant inputs to the
valuation model are unobservable. 
 
Policies and procedures are maintained to value investments using the best and most relevant data available. In addition,
pricing vendors are utilized to assist in valuing investments. GEAM performs periodic reviews of the methodologies used by independent pricing services including price validation of individual securities.

 


 
 
 
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LOGO
 


 

 
Fair Value Measurement  The following section describes the valuation methodologies the Funds use
to measure different financial investments at fair value. 
 
A Fund’s portfolio securities are valued generally on the basis of market quotations. Equity
securities generally are valued at the last reported sale price on the primary market in which they are traded. Portfolio securities listed on NASDAQ are valued using the NASDAQ Official Closing Price, Level 1 securities primarily include
publicly-traded equity securities, which may not necessarily represent the last sales price. If no sales occurred on the exchange or NASDAQ that day, the portfolio security generally is valued using the last reported bid price. In those
circumstances the Fund typically classifies the investment securities in Level 2. 
 
Debt securities (other than short-term securities described below)
generally are valued at an evaluated bid price as reported by independent pricing services. The pricing services use various pricing models for each asset class. The inputs and assumptions to the model of the pricing services are derived from market
observable sources, which may include: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, benchmark securities, bids, offers, and other market related data. Since many fixed income securities do not trade on a daily basis, the
methodology of the pricing service may use other available information such as benchmark curves, benchmarking of similar securities, sector groupings, and matrix pricing, as applicable. Thus, certain securities may not be priced using market
quotations, but rather determined from market observable information. These investments are included in Level 2 and are primarily comprised of corporate fixed income, government, mortgage and asset-backed securities. In the absence of a reliable bid
price from such a pricing service, debt securities may be valued based on broker or dealer supplied valuations or quotations. In these infrequent circumstances, pricing services may provide the Funds with valuations that are based on significant
unobservable inputs, and in those circumstances the investment securities are classified as Level 3. 
 
A Fund may use non-binding broker or dealer quotes
for valuation when there is limited or no relevant market activity for a specific investment or for other investments that share similar characteristics and a price is not provided by a pricing service or is deemed not to be reliable. The Funds have
not adjusted the prices obtained. Investment securities priced using non-binding broker or dealer quotes are included in Level 3.


 
Short-term securities of sufficient credit quality with remaining maturities of sixty days or less at the time of
purchase are typically valued on the basis of amortized cost which approximates fair value and these are included in Level 2. If it is determined that amortized cost does not approximate fair value, securities may be valued based on dealer supplied
valuations or quotations. In these infrequent circumstances, pricing services may provide the Fund with valuations that are based on significant unobservable inputs, and in those circumstances the investment securities are classified in Level 3.

 
Investments in registered investment companies are valued at the published daily net asset value (“NAV”) and classified in Level 1. 


If prices are not readily available for a portfolio security, or if it is believed that a price for a portfolio security does not represent its fair value, the
security may be valued using procedures approved by the Funds’ Board of Trustees that are designed to establish its “fair” value. These securities are typically classified in Level 3. Those procedures require that the fair value of a
security be established by a valuation committee of GEAM. The valuation committee follows different protocols for different types of investments and circumstances. The fair value procedures may be used to value any investment of any Fund in the
appropriate circumstances. 
 
Foreign securities may be valued with the assistance of an independent fair value pricing service in circumstances where it is
believed that they have been or would be materially affected by events occurring after the close of the portfolio security’s primary market and before the close of regular trading on the New York Stock Exchange (“NYSE”). In these
circumstances, the Funds classify the investment securities in Level 2. This independent fair value pricing service uses a proprietary model to identify affected securities, taking into consideration various factors, and the fair value of such
securities may be something other than the last available quotation or other market price. 
 
All assets and liabilities of the Funds initially expressed in
foreign currency values will be converted into U.S. dollars at the WM/Reuters exchange rate computed at 11:00 a.m. Eastern time. 
 
Fair value determinations
generally are used for securities whose value is affected by a significant event 
 


 
 
 
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that will materially affect the value of a security and which occurs subsequent to the time of the close of the
principal market on which such security trades but prior to the calculation of a Fund’s NAV. 
 
The value established for such a portfolio security valued
other than by use of a market quotation (as described above) may be different than what would be produced through the use of market quotations or another methodology. Portfolio securities that are valued using techniques other than market
quotations, including “fair valued” securities, may be subject to greater fluctuation in their value from one day to the next than would be the case if market quotations were used. In addition, there is no assurance that a Fund could sell
a portfolio security for the value established for it at any time and it is possible that a Fund would incur a loss because a portfolio security is sold at a discount to its established value.


 
Other financial investments are derivative instruments that are not reflected in total investments, such as
futures, forwards, swaps, and written options contracts, which are valued based on fair value as discussed above. 
 
The Funds use closing prices for
derivatives included in Level 1, which are traded either on exchanges or liquid over-the counter markets. Derivative assets and liabilities included in Level 2 primarily represent interest rate swaps, cross-currency swaps and foreign currency and
commodity forward and option contracts. Derivative assets and liabilities included in Level 3 primarily represent interest rate products that contain embedded optionality or prepayment features. 


The inputs or methodology used for valuing securities are not an indication of the risk associated with investing in those securities.

 

 
 
 
The following tables present each Fund’s
investments measured at fair value on a recurring basis at December 31, 2015: 
 
 





























Fund
 
Investments
 
Level 1
 
 
Level 2
 
 
Level 3
 
 
Total
 














Elfun International Equity Fund
 
Investments in Securities†
 



 



 



 







 
 
Common Stock

 
$
223,947,003
  
 
$
—
  
 
$
—
  
 
$
223,947,003
  




 
 
Short-Term Investments

 
 
9,904,614
  
 
 
—
  
 
 
—
  
 
 
9,904,614
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
233,851,617
  
 
$
—
  
 
$
—
  
 
$
233,851,617
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 













 
Other Financial Instruments*
 



 



 



 







 
 
Long Futures Contracts — Unrealized Appreciation

 
$
55,067
  
 
$
—
  
 
$
—
  
 
$
55,067
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 












Elfun Trusts
 
Investments in Securities†
 



 



 



 







 
 
Common Stock

 
$
2,308,512,370
  
 
$
—
  
 
$
—
  
 
$
2,308,512,370
  




 
 
Short-Term Investments

 
 
50,527,506
  
 
 
—
  
 
 
—
  
 
 
50,527,506
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
2,359,039,876
  
 
$
—
  
 
$
—
  
 
$
2,359,039,876
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 











Elfun Diversified Fund
 
Investments in Securities†
 



 



 







 
 
Domestic Equity

 
$
65,581,973
  
 
$
—
  
 
$
—
  
 
$
65,581,973
  




 
 
Foreign Equity

 
 
43,430,981
  
 
 
—
  
 
 
—
  
 
 
43,430,981
  




 
 
U.S. Treasuries

 
 
—
  
 
 
10,555,553
  
 
 
—
  
 
 
10,555,553
  




 
 
Agency Mortgage Backed

 
 
—
  
 
 
16,421,253
  
 
 
—
  
 
 
16,421,253
  




 
 
Agency Collateralized Mortgage Obligations

 
 
—
  
 
 
153,079
  
 
 
—
  
 
 
153,079
  




 
 
Corporate Notes

 
 
—
  
 
 
30,359,517
  
 
 
—
  
 
 
30,359,517
  




 
 
Non-Agency Collateralized Mortgage Obligations

 
 
—
  
 
 
6,797,903
  
 
 
—
  
 
 
6,797,903
  




 
 
Sovereign Bonds

 
 
—
  
 
 
807,383
  
 
 
—
  
 
 
807,383
  




 
 
Municipal Bonds and Notes

 
 
—
  
 
 
372,966
  
 
 
—
  
 
 
372,966
  




 
 
FNMA (TBA)

 
 
—
  
 
 
—
  
 
 
2,135
  
 
 
2,135
  




 
 
Exchange Traded Funds

 
 
9,640,400
  
 
 
—
  
 
 
—
  
 
 
9,640,400
  




 
 
Short-Term Investments

 
 
28,561,801
  
 
 
—
  
 
 
—
  
 
 
28,561,801
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
147,215,155
  
 
$
65,467,654
  
 
$
2,135
  
 
$
212,684,944
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 

 
 
 
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LOGO
 
 
 






























Fund
 
Investments
 
Level 1
 
 
Level 2
 
 
Level 3
 
 
Total
 














 
Other Financial Instruments*
 



 



 







 
 
Credit Default Swap Contracts
— Unrealized Appreciation

 
$
—
  
 
$
12,728
  
 
$
—
  
 
$
12,728
  




 
 
Long Futures Contracts — Unrealized Appreciation

 
 
131,166
  
 
 
—
  
 
 
—
  
 
 
131,166
  




 
 
Long Futures Contracts — Unrealized Depreciation

 
 
(23,401
) 
 
 
—
  
 
 
—
  
 
 
(23,401
) 




 
 
Short Futures Contracts — Unrealized Appreciation

 
 
57,119
  
 
 
—
  
 
 
—
  
 
 
57,119
  




 
 
Short Futures Contracts — Unrealized Depreciation

 
 
(58,159
) 
 
 
—
  
 
 
—
  
 
 
(58,159
) 




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Other Financial Instruments
 
$
106,725
  
 
$
12,728
  
 
$
—
  
 
$
119,453
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 












Elfun Tax-Exempt Income Fund
 
Investments in Securities†
 



 



 



 







 
 
Municipal Bonds and Notes

 
$
—
  
 
$
1,558,382,012
  
 
$
—
  
 
$
1,558,382,012
  




 
 
Short-Term Investments

 
 
39,963,873
  
 
 
—
  
 
 
—
  
 
 
39,963,873
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
39,963,873
  
 
$
1,558,382,012
  
 
$
—
  
 
$
1,598,345,885
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 











Elfun Income Fund
 
Investments in Securities†
 



 



 







 
 
U.S. Treasuries

 
$
—
  
 
$
46,093,916
  
 
$
—
  
 
$
46,093,916
  




 
 
Agency Mortgage Backed

 
 
—
  
 
 
70,646,767
  
 
 
—
  
 
 
70,646,767
  




 
 
Agency Collateralized Mortgage Obligations

 
 
—
  
 
 
798,101
  
 
 
—
  
 
 
798,101
  




 
 
Asset Backed

 
 
—
  
 
 
780,228
  
 
 
—
  
 
 
780,228
  




 
 
Corporate Notes

 
 
—
  
 
 
131,080,864
  
 
 
—
  
 
 
131,080,864
  




 
 
Non-Agency Collateralized Mortgage Obligations

 
 
—
  
 
 
32,539,768
  
 
 
—
  
 
 
32,539,768
  




 
 
Sovereign Bonds

 
 
—
  
 
 
3,149,229
  
 
 
—
  
 
 
3,149,229
  




 
 
Municipal Bonds and Notes

 
 
—
  
 
 
2,070,092
  
 
 
—
  
 
 
2,070,092
  




 
 
FNMA (TBA)

 
 
—
  
 
 
—
  
 
 
8,556
  
 
 
8,556
  




 
 
Preferred Stock

 
 
336,582
  
 
 
—
  
 
 
—
  
 
 
336,582
  




 
 
Short-Term Investments

 
 
14,834,395
  
 
 
—
  
 
 
—
  
 
 
14,834,395
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
15,170,977
  
 
$
287,158,965
  
 
$
8,556
  
 
$
302,338,498
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
Other Financial Instruments*
 



 



 







 
 
Credit Default Swap Contracts — Unrealized Appreciation

 
$
—
  
 
$
59,998
  
 
$
—
  
 
$
59,998
  




 
 
Long Futures Contracts — Unrealized Appreciation

 
 
8,510
  
 
 
—
  
 
 
—
  
 
 
8,510
  




 
 
Long Futures Contracts — Unrealized Depreciation

 
 
(72,283
) 
 
 
—
  
 
 
—
  
 
 
(72,283
) 




 
 
Short Futures Contracts — Unrealized Appreciation

 
 
230,891
  
 
 
—
  
 
 
—
  
 
 
230,891
  




 
 
Short Futures Contracts — Unrealized Depreciation

 
 
(1,317
) 
 
 
—
  
 
 
—
  
 
 
(1,317
) 




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Other Financial Instruments
 
$
165,801
  
 
$
59,998
  
 
$
—
  
 
$
225,799
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
85 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 






























Fund
 
Investments
 
Level 1
 
 
Level 2
 
 
Level 3
 
 
Total
 














Elfun Government Money Market Fund
 
Investments in Securities†
 



 



 



 







 
 
U.S. Treasuries

 
$
—
  
 
$
29,122,933
  
 
$
—
  
 
$
29,122,933
  




 
 
U.S. Government Agency Obligations

 
 
—
  
 
 
81,673,275
  
 
 
—
  
 
 
81,673,275
  




 
 
Repurchase Agreements

 
 
—
  
 
 
20,133,000
  
 
 
—
  
 
 
20,133,000
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 




 
Total Investments in Securities
 
$
—
  
 
$
130,929,208
  
 
$
—
  
 
$
130,929,208
  




 

 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 
 
 

 
 

 












 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 


 
 





†
See Schedules of Investments for Industry Classification. 
 
 





*
Other financial instruments include derivative instruments such as futures contracts and credit default swaps. Amounts shown represent unrealized appreciation (depreciation), at period end. 


The Elfun International Equity Fund and the Elfun Diversified Fund utilized the fair value pricing service on December 31, 2014 due to events occurring after
the close of foreign local markets and before the close of regular trading on the NYSE, which resulted in certain foreign securities being classified as Level 2 at the beginning of the period that were classified as Level 1 at December 31,
2015. The value of securities that were transferred to Level 2 from Level 1 as a result was $214,575,522 and $37,780,873 for the Elfun International Equity Fund and Elfun Diversified Fund, respectively. There were no other significant transfers
between fair value levels. Transfers between fair value levels are considered to occur at the beginning of the period. 
 
Level 3 investments at the beginning
and/or end of the period in relation to net assets were not significant and accordingly, a reconciliation of Level 3 assets for the year ended December 31, 2015 is not presented. 


 





4.
Derivatives Disclosure 
 
Shown below are the derivative contracts entered into by each Fund, summarized by
primary risk exposure as they appear on the Statements of Assets and Liabilities, none of which are accounted for as hedging instruments under FASB ASC No. 815 Derivatives and Hedging (“ASC 815”) as of December 31, 2015. 


 























 
 


Asset Derivatives December 31, 2015

 
 


Liability Derivatives December 31, 2015

 



 
Derivatives not accounted for as


hedging instruments under ASC 815

 
Location in the Statements 
of Assets and Liabilities		
 
Fair
Value ($)		
 
 
Location in the Statements 
of Assets and Liabilities		
 
Fair
Value ($)		
 





Elfun International Equity Fund
 

 



 

 






 
Equity Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
55,067
* 
 
Liabilities, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
—
  



Elfun Diversified Fund
  



 
Equity Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
128,461
* 
 
Liabilities, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
(58,159
)* 



 
Interest Rate Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
59,824
* 
 
Liabilities, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
(23,401
)* 



 
Credit Risk Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Swap Contracts
 
 
12,728
* 
 
Liabilities, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Swap Contracts
 
 
—
  



Elfun Income Fund
  



 
Interest Rate Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
239,401
* 
 
Liabilities, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Futures
 
 
(73,600
)* 











 
Credit Risk Contracts

 
Assets, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Swap Contracts
 
 
59,998
* 
 
Liabilites, Net Assets — Net Unrealized Appreciation/ (Depreciation) on Swap Contracts
 
 
—
  


 
 





*
Includes cumulative unrealized appreciation/(depreciation) of futures and credit default swap contracts as reported in the Schedule of Investments and within the components of the net assets section of the Statement
of Assets and Liabilities. Only the current day’s variation margin is reported within the Assets and/or Liabilities section on the Statement of Assets and Liabilities. 

 
 
 
86 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 
 
Shown below are the effects of derivative instruments on
each Fund’s Statements of Operation, summarized by primary risk exposure, none of which are accounted for as hedging instruments under ASC 815. 
 
 























 
Derivatives not accounted


for as hedging instruments
 
under ASC
815

  
Location in the
Statements of Operations		
  
Total
Notional Amount of
Futures Contracts
Purchased/(Sold) ($)		
  
Realized Gain (Loss) on
Derivatives Recognized
in Income ($)		
 
 
Change in Unrealized
Appreciation (Depreciation)
on
Derivatives
Recognized in Income ($)		
 





Elfun International Equity Fund
  



 






 
Equity Contracts

  
Realized gain (loss) on Futures, Increase (decrease) in unrealized appreciation/ (depreciation) on Futures
  
34,121,584/
(31,292,919)		
  
 
245,720
  
 
 
59,843
  



Elfun Diversified Fund
  



 
Equity Contracts

  
Realized gain (loss) on Futures, Increase (decrease) in unrealized appreciation/ (depreciation) on Futures
  
55,971,627/
(58,521,450)		
  
 
142,512
  
 
 
(107,029
) 



 
Interest Rate Contracts

  
Realized gain/(loss) on Futures, Increase/(decrease) in unrealized appreciation/ (depreciation) on Futures
  
250,542,182/
(253,678,697)		
  
 
143,152
  
 
 
68,672
  



 
Credit Risk Contracts

  
Realized gain/(loss) on Swap Contracts Increase/ (decrease) in unrealized appreciation/(depreciation) on Swap Contracts
  
—/—
  
 
24,652
  
 
 
12,728
  



Elfun Tax-Exempt Income Fund
  



 
Interest Rate Contracts

  
Realized gain/(loss) on Futures, Increase/(decrease) in unrealized appreciation/ (depreciation) on Futures
  
81,188,828/
(80,475,585)		
  
 
(713,594
) 
 
 
—
  



Elfun Income Fund
  



 
Interest Rate Contracts

  
Realized gain/(loss) on Futures, Increase/(decrease) in unrealized appreciation/ (depreciation) on Futures
  
1,109,623,204/
(1,118,788,938)		
  
 
628,434
  
 
 
196,009
  



 
Credit Risk Contracts

  
Realized gain/(loss) on Swap Contracts Increase/ (decrease) in unrealized appreciation/(depreciation) on Swap Contracts
  
—/—
  
 
120,017
  
 
 
59,998
  


 
During the year ended December 31, 2015, the Funds had an average notional value of long and short futures contracts as shown
below. The Elfun Diversifed and Elfun Income Fund had average notional values of $1,638,028 and $7,180,789 on credit default swaps, respectively. Please refer to the table following the Schedule of Investments for open futures contracts and open
swap contracts at December 31, 2015. 
 
 



















Fund
  
Long Futures
Contracts		
 
  
Short Futures
Contracts		
 





 
Elfun International Equity Fund

  
$
2,650,686
  
  
$
(1,053,327
) 



 
Elfun Diversified Fund

  
 
13,611,792
  
  
 
(10,282,569
) 



 
Elfun Tax-Exempt Income Fund

  
 
—
  
  
 
(45,117,188
) 



 
Elfun Income Fund

  
 
21,781,084
  
  
 
(34,465,528
) 



 
 
 
87 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 


 






5.
Line of Credit 
 
The Funds (excluding Elfun Government Money Market Fund) share a revolving credit facility
of up to $150 million with a number of their affiliates. The credit facility is with the Funds’ custodian bank, State Street Bank and Trust Company (“State Street”). The revolving credit facility requires the payment of a commitment
fee equal to 0.20% (0.125% prior to October 28, 2015) per annum on the daily unused portion of the credit facility, payable quarterly. The portion borne by each Fund generally is borne proportionally based upon net assets. In addition, the
Funds had a $100 million uncommitted, unsecured line of credit with State Street which expired effective October 28, 2015. Generally, borrowings under the credit facilities would accrue interest at the higher of the 1-Month LIBOR plus 1.25% and the Overnight Federal Funds Rate plus 1.25% and would be borne by the borrowing Fund. The maximum amount allowed to be borrowed by any one Fund is the lesser of (i) its prospectus
limitation or (ii) 20% of its net assets. The credit facilities were not utilized by the Funds during the year ended December 31, 2015. 
 
 





6.
Compensation and Fees paid to Affiliates 
 
During 2015, the Funds incurred expenses for the cost of services
rendered by GEAM as investment adviser and administrator. 
 
These expenses are included as advisory and administration fees (“Management Fees”) in
the Statements of Operations. The Trustees received no compensation as Trustees for the Elfun Funds. 
 
GEAM may, from time to time, voluntarily subsidize
certain expenses of the Elfun Government Money Market Fund (the “Fund”) and, to the extent necessary, reduce its management expense in order to maintain a minimum annualized net yield of 0.00% for the Fund. GEAM may, in its sole and
absolute discretion, discontinue any subsidy of Fund expenses or reduction in management expenses



 

at any time by providing notice to the Trust and by the Board of Trustees. 
 
GEAM may, from time to time,
voluntarily subsidize certain expenses of the Elfun Government Money Market Fund (the “Fund”) and, to the extent necessary, reduce its management expense in order to maintain a minimum annualized net yield of 0.00% for the Fund
(collectively known as “fee waivers”). GEAM may, in its sole and absolute discretion, discontinue any fee waivers at any time by providing notice to the Fund and its Board of Trustees. 


Pursuant to an agreement between GEAM and the Fund, the Fund has agreed to reimburse GEAM for such fee waivers for a period of up to three years from the date of
such fee waivers, as long as the Fund’s total operating expense ratio does not exceed 0.60% for the fiscal year in which the reimbursement is made. 
 
Fee
waivers subject to potential reimbursement to GEAM by year of expiration are as follows: 
 
 















Year
  
Amount ($)
 





 
2018

  
 
203,890
  



 
2017

  
 
674,381
  



 
2016

  
 
1,051,482
  


 
As of December 31, 2015, the Fund had not reimbursed any fee waivers previously made by GEAM. 


 





7.
Sub-Advisory Fees 
 
Pursuant to an investment sub-advisory agreement with GEAM SSGA Funds Management, Inc.
(“SSGA FM”) is the sub-adviser to the Elfun Government Money Market Fund. SSGA FM is responsible for the day-to-day portfolio management of the assets of the Elfun Government Money Market Fund, including the responsibility for making
decisions to buy, sell or hold a particular security, under the general supervision of GEAM and the Board. For its services, GEAM pays SSGA FM monthly sub-advisory fees which are calculated as a percentage of the average daily net assets of the
Elfun Government Money Market Fund. 
 


 
 
 
88 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 
 
 





8.
Investment Transactions 
 
Purchases and Sales of Securities 


The cost of purchases and the proceeds from sales of investments, other than short-term securities, for the year ended December 31, 2015, were as follows:

 
 



























 
  
U.S. Government Securities
 
    
Other Securities
 



Fund
  
Purchases
 
    
Sales
 
    
Purchases
 
    
Sales
 





 
Elfun International Equity Fund

  
$
—
  
    
$
—
  
    
$
59,606,076
  
    
$
80,717,961
  



 
Elfun Trusts

  
 
—
  
    
 
—
  
    
 
257,439,314
  
    
 
366,912,458
  



 
Elfun Diversified Fund

  
 
174,178,072
  
    
 
182,296,006
  
    
 
73,926,820
  
    
 
79,876,938
  



 
Elfun Tax-Exempt Income Fund

  
 
—
  
    
 
—
  
    
 
346,113,592
  
    
 
380,395,953
  



 
Elfun Income Fund

  
 
720,826,293
  
    
 
754,007,232
  
    
 
117,731,516
  
    
 
98,528,293
  




 






9.
Income Taxes 
 
The Funds are subject to ASC 740, Income Taxes (“ASC 740”). ASC 740 provides
guidance for financial accounting and reporting for the effects of income taxes that result from an entity’s activities during the year. ASC 740 also provides guidance regarding how certain tax positions should be recognized, measured,
presented and disclosed in the financial statements. ASC 740 requires evaluation of tax positions taken or expected to be taken



 

in the course of preparing each Fund’s tax returns to determine whether the tax positions are “more likely than not” of being sustained by the applicable tax authority. There are
no adjustments to any Fund’s net assets required under ASC 740. Each Fund’s 2012, 2013, 2014 and 2015 fiscal year tax returns are still open to examination by the Federal and applicable state tax authorities.

 

 
 
 
At December 31, 2015, information on the
tax cost of investments and distributable earnings on a tax basis was as follows: 
 
 











































 
Fund

 
Cost of
Investment
for Tax
Purposes		
 
 
Gross Tax
 
 
Net Tax
Appreciation/
(Depreciation)		
 
 
Undistributed
 
 
Late-Year
Losses		
 



 
 
Appreciation
 
 
Depreciation
 
 
Investments
 
 
 
Derivatives/


Currency

 
 
Income
 
 
Accum. Capital
Gain/(Loss)		
 
 





 
Elfun International Equity Fund

 
$
230,223,929
  
 
$
26,600,840
  
 
$
(22,975,907
) 
 
$
3,624,933
  
 
$
27,004
  
 
$
—
  
 
$
(13,166,355
) 
 
$
—
  



 
Elfun Trusts

 
 
1,419,451,969
  
 
 
965,796,554
  
 
 
(26,208,647
) 
 
 
939,587,907
  
 
 
—
  
 
 
—
  
 
 
712
  
 
 
—
  



 
Elfun Diversified Fund

 
 
208,347,208
  
 
 
14,288,683
  
 
 
(9,950,947
) 
 
 
4,337,736
  
 
 
113,784
  
 
 
33,364
  
 
 
92,580
  
 
 
—
  



 
Elfun Tax-Exempt Income Fund

 
 
1,486,755,403
  
 
 
114,217,983
  
 
 
(2,627,501
) 
 
 
111,590,482
  
 
 
—
  
 
 
62,821
  
 
 
(20,624,849
) 
 
 
—
  



 
Elfun Income Fund

 
 
306,046,148
  
 
 
2,799,401
  
 
 
(6,507,051
) 
 
 
(3,707,650
) 
 
 
225,799
  
 
 
359,740
  
 
 
(40,119
) 
 
 
(295,128
) 



 
Elfun Government Money Market Fund

 
 
130,929,208
  
 
 
—
  
 
 
—
  
 
 
—
  
 
 
—
  
 
 
8,294
  
 
 
—
  
 
 
—
  




 

 
During the year ended December 31, 2015, the Funds utilized prior year capital loss carryovers as follows:

 
 















Fund
  
Amount
 





 
Elfun International Equity

  
$
10,005,376
  



 
Elfun Tax-Exempt Income Fund

  
$
3,645,615
  


 
Any qualified late-year loss is deemed to arise on the first day of a Fund’s next tax year (if the Fund elects to defer such
loss). Under this regime, generally, a Fund can elect



 

to defer any post-October capital loss and/or any late-year ordinary loss as defined by the Internal Revenue Code. 


The following Funds elected to defer qualified late-year losses for the year ended December 31, 2015 as follows: 


 



















Fund
  
Capital
 
 
Ordinary
 





 
Elfun Income Fund

  
$
(295,128
) 
 
$
—
  


 
 


 
 
 
89 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 
 
As of December 31, 2015, the following Funds have
capital loss carryovers as indicated below. The capital loss carryover is available to offset future realized capital gains to the extent provided in the Internal Revenue Code and regulations thereunder. To the extent that these carryover losses are
used to offset future capital gains, it is probable that the gains offset will not be distributed to shareholders. 
 
 























 
    
Amount
 
    
 
 



Fund
    
Short-Term
 
    
Long-Term
 
    
Expires
 





 
Elfun International Equity Fund

    
$
13,166,355
  
    
$
—
  
    
 
12/31/18
  



 
Elfun Income Fund

    
 
—
  
    
 
40,119
  
    
 
Unlimited
  



 
Elfun Tax-Exempt Income Fund

    
 
18,068,222
  
    
 
2,556,627
  
    
 
Unlimited
  


 
These amounts will be available to offset future taxable capital gains. Under the Regulated Investment Company Modernization Act
of 2010, the Fund is permitted to carry forward capital losses incurred in taxable years beginning after December 22, 2010 for an unlimited period. However, any losses incurred during those future years will be required to be utilized prior to
the losses incurred in pre-enactment tax years. As a result of this ordering rule, pre-enactment capital loss carryforwards may be more likely to expire unused. Additionally, post-enactment capital losses that are carried forward will retain their
character as either short-term or long-term capital losses rather than being considered all short-term as under previous law. 
 
The tax character of
distributions paid during the year ended December 31, 2015, were as follows: 
 
 































Fund
  
Exempt
Income		
 
    
Ordinary
Income		
 
    
Long-Term
Capital Gains		
 
    
Return of
Capital		
 
    
Total
 





 
Elfun International Equity Fund

  
$
—
  
    
$
4,270,754
  
    
$
—
  
    
$
—
  
    
$
4,270,754
  



 
Elfun Trusts

  
 
—
  
    
 
32,340,902
  
    
 
150,013,277
  
    
 
—
  
    
 
182,354,179
  



 
Elfun Diversified Fund

  
 
—
  
    
 
4,151,007
  
    
 
7,829,636
  
    
 
—
  
    
 
11,980,643
  



 
Elfun Tax-Exempt Income Fund

  
 
61,714,924
  
    
 
974,024
  
    
 
—
  
    
 
—
  
    
 
62,688,948
  



 
Elfun Income Fund

  
 
—
  
    
 
8,902,979
  
    
 
—
  
    
 
—
  
    
 
8,902,979
  



 
Elfun Government Money Market Fund

  
 
—
  
    
 
104,346
  
    
 
—
  
    
 
—
  
    
 
104,346
  


 
The tax character of distributions paid during the year ended December 31, 2014, were as follows: 


 































Fund
  
Exempt
Income		
 
    
Ordinary
Income		
 
    
Long-Term
Capital Gains		
 
    
Return of
Capital		
 
    
Total
 





 
Elfun International Equity Fund

  
$
—
  
    
$
7,173,676
  
    
$
—
  
    
$
—
  
    
$
7,173,676
  



 
Elfun Trusts

  
 
—
  
    
 
30,164,147
  
    
 
187,085,675
  
    
 
—
  
    
 
217,249,822
  



 
Elfun Diversified Fund

  
 
—
  
    
 
5,932,099
  
    
 
16,627,773
  
    
 
379,499
  
    
 
22,939,371
  



 
Elfun Tax-Exempt Income Fund

  
 
63,284,972
  
    
 
1,373,283
  
    
 
—
  
    
 
—
  
    
 
64,658,255
  



 
Elfun Income Fund

  
 
—
  
    
 
8,053,107
  
    
 
—
  
    
 
—
  
    
 
8,053,107
  



 
Elfun Government Money Market Fund

  
 
—
  
    
 
62,739
  
    
 
—
  
    
 
—
  
    
 
62,739
  


 
Distributions to Shareholders 


Elfun Tax-Exempt Income Fund, Elfun Income Fund and Elfun Government Money Market Fund declare net investment income dividends daily and pay them monthly. All
other Funds declare and pay dividends from net investment income, if any, annually. All Funds declare and pay net realized capital gains distributions, if any, annually. The character of income and gains to be distributed is determined in accordance
with income tax regulations which may differ from GAAP. These differences include (but are not limited to) treatment of realized and unrealized gains (losses) on foreign currency contracts, investments in futures, late year loss deferrals, unused
capital losses, distribution re-designations, investments in swaps, distributions from real estate investment trusts (“REITs”) and other equity investments, distributions in excess of earnings, litigation proceeds, corporate actions, mixed
straddles, return of capital distribution from securities, and losses deferred due to wash sale transactions. Reclassifications are made to a Fund’s capital accounts to reflect income and gains available for distribution (or available capital
loss carryovers) under income tax regulations. These reclassifications have no impact on net investment income, realized gains or losses, or NAV of any of the Funds. The calculation of net investment income per share in the Financial Highlights
table excludes these adjustments. 

 
 
 
90 








Table of Contents


 
December 31, 2015 
 



LOGO
 
 
 


 

 
The reclassifications for the year ended December 31, 2015 were as follows: 


 























Fund
 
Undistributed
Net Investment
Income		
 
 
Accumulated
Net Realized
Gain (Loss)		
 
 
Paid In
Capital		
 





 
Elfun International Equity Fund

 
$
209,790
  
 
$
(148,475
) 
 
$
(61,315
) 



 
Elfun Trusts

 
 
(70,103
) 
 
 
70,103
  
 
 
—
  



 
Elfun Diversified Fund

 
 
10,548
  
 
 
(12,176
) 
 
 
1,628
  



 
Elfun Income Fund

 
 
126,477
  
 
 
(126,477
) 
 
 
—
  



 
Elfun Government Money Market Fund

 
 
96,124
  
 
 
(1,746
) 
 
 
(94,378
) 


 

 
    

 


 
 
 
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The Unitholders and Board of Trustees 


Elfun Funds: 
 
We have audited the accompanying statement of
assets and liabilities, including the schedule of investments, of Elfun International Equity Fund, Elfun Trusts, Elfun Diversified Fund, Elfun Tax-Exempt Income Fund, Elfun Income Fund, and Elfun Government Money Market Fund, each a series of Elfun
Funds (collectively the “Funds”) as of December 31, 2015, and the related statement of operations for the year then ended, the statements of changes in net assets for each of the years in the two-year period then ended, and the
financial highlights for each of the years in the five-year period then ended. These financial statements and financial highlights are the responsibility of the Fund’s management. Our responsibility is to express an opinion on these financial
statements and financial highlights based on our audits. 
 
We conducted our audits in accordance with the auditing standards of the Public Company Accounting
Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements and financial highlights are free of material misstatement. An audit includes
examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. Our procedures included confirmation of securities owned as of December 31, 2015, by correspondence with the custodian and brokers. An
audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 
In our opinion, the financial statements and financial highlights referred to above present fairly, in all material respects, the financial position of Elfun
International Equity Fund, Elfun Trusts, Elfun Diversified Fund, Elfun Tax-Exempt Income Fund, Elfun Income Fund, and Elfun Government Money Market Fund as of December 31, 2015, the results of its operations for the year then ended, the changes
in its net assets for each of the years in the two-year period then ended, and the financial highlights for each of the years in the five-year period then ended, in conformity with U.S. generally accepted accounting principles. 


 
 



LOGO
 
 
Boston, Massachusetts 


February 24, 2016 

 
 
 
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For the year ended December 31, 2015 
 
 


The following Funds intend to make an election under Internal Revenue Code Section 853. The election will allow shareholders to treat their attributable
share of foreign taxes paid by the Funds to be paid by them directly. For the fiscal year ended December 31, 2015, the total amount of income received by the Funds from sources within foreign countries and possessions of the United States and
the total amount of taxes paid by the Funds follows: 
 
 





















  
 
Total Foreign
Source Income		
 
Total Foreign
Taxes Paid





 
Elfun International Equity Fund

 
 
$
5,727,962
 
 
 
$
547,279
 


 
For the year ended December 31, 2015, the following Funds hereby designate as capital gain dividends the amounts set forth,
or the amount ultimately treated as capital gain net income: 
 
 
















Fund
  
Gross
Amount





 
Elfun Trusts

  
 
$
150,013,277
 



 
Elfun Diversfied Fund

  
 
 
7,829,636
 


 
For the fiscal year ended December 31, 2015, certain dividends paid by the Funds may be subject to a maximum income tax rate
of 20% as provided for by the American Taxpayer Relief Act of 2012. The following represent the amounts that may be considered qualified dividend income: 
 
 
















Fund
  
Qualified
Dividend
Income





 
Elfun International Equity Fund

  
 
$
4,818,033
 



 
Elfun Trusts

  
 
 
35,318,700
 



 
Elfun Diversified Fund

  
 
 
2,403,744
 


 
For corporate shareholders the following represent the percentages of respective fund distributions that may be eligible for the
dividends received deduction: 
 
 
















Fund
  
Dividends
Received
Deduction





 
Elfun Trusts

  
 
 
98.96%
 



 
Elfun Diversified Fund

  
 
 
29.51%
 


 
For the year ended December 31, 2015, the following Fund hereby designates as exempt-interest dividends the amounts set forth, or
the amount ultimately treated as exempt-interest dividends: 
 
 
















Fund
  
Gross
Amount





 
Elfun Tax-Exempt Income Fund

  
 
$
61,714,924
 


 
The amounts presented herein may differ from amounts presented elsewhere in the financial statements due to differences between
tax and financial accounting principles. Please consult a tax advisor if you have any questions about Federal or State income tax laws or on how to prepare your tax returns. If you have specific questions about your Fund account, please consult your
investment representative. 

 
 
 
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The Board of Trustees of the Elfun Funds1 (the
“Board”) considered and all those that were present unanimously approved the continuance for an additional year of each of the Funds’ investment advisory agreements with GE Asset Management Incorporated (“GEAM”); and with
respect to the Elfun Government Money Market Fund, the continuance of the investment sub-advisory agreement with SSGA Funds Management, Inc. (“SSGA FM”), at a meeting held on December 14, 2015. 


In considering whether to approve the Funds’ investment advisory agreements and the Elfun Government Money Market Fund’s investment sub-advisory
agreement, the Board members considered and discussed a substantial amount of information and analysis provided by GEAM and SSGA FM. The Board members also considered detailed information regarding performance and expenses of other investment
companies, including those with similar investment strategies and sizes, which was prepared by an independent third party provider, Morningstar, Inc. (“Morningstar”). The Board members reviewed the fees charged by GEAM for other mutual
funds and investment products other than mutual funds that employ similar investment strategies as the Funds. The Board had the opportunity to ask questions and request additional information in connection with its considerations. 


Before approving each Fund’s investment advisory agreement and the Elfun Government Money Market Fund’s sub-advisory agreement, the Board members
received and considered memoranda prepared by GEAM personnel that set forth detailed information, including numerous exhibits and other materials related to GEAM’s business and the services it provides to each Fund. Also, in advance of the
meeting, the Board members received from SSGA FM a written response to a letter of inquiry prepared by GEAM at the Board’s request, which included substantial exhibits and other materials related to the business of, and services provided by,
SSGA FM. The Board members also reviewed materials discussing the legal standards for the consideration of the proposed continuances. The Board members reviewed and discussed the proposed continuance of the agreements with GEAM personnel, including
representatives from the legal, compliance and finance departments and senior



 

members of each relevant investment group (e.g., equity, fixed income), and heard presentations by these representatives. The Board members posed questions to these representatives and
engaged in substantive discussions with them concerning the Funds’ operations and each of their investment processes. The Board members took into account that many of them possess multi-year experience as Board members and that all of them
possess a great deal of knowledge about GEAM and the Funds in their capacities as senior officers of GEAM. They also took into account their consideration of these types of agreements in recent years. The information was presented in a manner to
facilitate comparisons to prior periods and to reflect certain enhancements to GEAM’s infrastructure, systems, research and analytics capabilities and shareholder servicing model. To focus their review, the Board members asked GEAM personnel
and SSGA FM, in their oral presentations and/or written materials, to highlight material differences from the information presented in recent years. 
 
In
reaching their determinations relating to the continuance of the Funds’ investment advisory agreements and the Elfun Government Money Market Fund’s investment sub-advisory agreement, the Board members considered all factors that they
deemed relevant, including the factors discussed below. In their deliberations, the Board members did not identify any particular information that was all-important or controlling, and each Board member may have attributed different weights to the
various factors. The Board members evaluated this information, and all other information available to them, for each Fund separately, and their determinations were made separately in respect of each Fund. In particular, the Board members focused on
the following with respect to each Fund: 
 
The Nature, Extent And Quality Of Services Provided 


The Board members reviewed the services provided by GEAM and concurred that GEAM provides high quality advisory and administrative services to the Funds. The
Board members also reviewed the services provided to the Elfun Government Money Market Fund by SSGA FM, taking into account their past experiences with SSGA FM. In connection with their consideration of GEAM’s services, the Board members
focused on the favorable attributes of GEAM, including (i) an investment philosophy oriented toward long-term performance; (ii) effective processes

 

 
 
 
 


1 The Elfun Funds include the Elfun Trusts, Elfun International Equity Fund, Elfun Diversified Fund, Elfun
Tax-Exempt Income Fund, Elfun Income Fund, Elfun Government Money Market Fund (each, a “Fund” and collectively, the “Funds”). 

 
 
 
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used for selecting investments and brokers; with respect to the Elfun Government Money Market Fund, effective
processes used for overseeing sub-advisers; (iii) effective processes used for providing Fund administration, including controllership and compliance functions, the optimization of its Fund administration platform and the continued oversight of
the performance of other companies that provide services to the Funds; (iv) highly skilled professionals, including analysts, research professionals, traders and portfolio managers with a depth of experience relevant to the Funds;
(v) access to significant and enhanced technological resources from which the Funds may benefit, including a platform that increases the quality and efficiency of analytics and research; and (vi) a favorable history and reputation. The
Board members noted that each Fund represents only a small amount of the overall assets managed by GEAM, but benefits from a full array of services and resources provided by GEAM. In particular, the Board members discussed that the Funds benefit
from a large staff of research analysts employed by GEAM. 
 
In connection with their consideration of the services provided to the Elfun Government Money
Market Fund by SSGA FM, the Board members focused on SSGA FM’s favorable attributes, including its substantial experience managing funds of this type, investment philosophy and discipline, experienced investment and trading personnel, systems
and other resources, and favorable history and reputation. 
 
In light of the foregoing, the Board members concluded that the services provided by GEAM and SSGA
FM continue to be satisfactory. 
 
Investment Performance Of The Funds And The Sub-Adviser 


The Board members considered the investment performance of the Funds for various periods. The Board members reviewed detailed comparisons of the performance of
the Funds with the relevant securities indices and peer and category groupings of mutual funds prepared by Morningstar with respect to various periods. The Board members also engaged in discussions with GEAM personnel regarding the investment
process and performance results for each Fund. These discussions focused on each Fund’s investment objective, the number and experience of portfolio management and supporting research personnel, the investment style and approach



 

employed, the likely market cycles for the investment style and, in some instances, relative underperformance of certain Funds in certain periods. The Board members discussed GEAM’s
investment approach with respect to each of the Funds, and the reasons for certain Funds’ relative underperformance. 
 
The Board members concluded that
the Funds’ performance was acceptable overall, taking into consideration the factors discussed above. 
 
Cost Of The Services Provided To The Funds

 
The Board members considered the cost of the services provided by GEAM, noting that, pursuant to each investment advisory agreement, GEAM is reimbursed
for its reasonable costs incurred in providing the services contemplated by those agreements and is not paid a management fee. The Board also noted that GE Investment Distributors, Inc. (“GEID”), a subsidiary of GEAM, is reimbursed for its
reasonable costs incurred in providing services specified in its agreement with the Funds as unitholder servicing agent and is not paid a unitholder servicing fee. The Board members considered that the charges resulting from this arrangement involve
all of the expenses incurred by GEAM and GEID with respect to the management and unitholder operations of the Funds, including, without limitation, indirect allocable overhead costs and the direct and indirect costs of GEAM and GEID personnel
providing investment management and other services to the Funds. The Board members noted and discussed the additional services provided by GEAM to the Funds compared to other investment products managed by GEAM and the charges that result from those
services. The Board members also noted that none of the charges resulting from the Funds’ arrangements with GEAM and GEID may include any element of profit. 


The Board members also noted that the Board had in prior years reviewed with GEAM personnel the underlying assumptions and methods of cost allocation used by GEAM
in allocating its costs and those of the other Fund service providers, including GEID, to the Funds, and considered the new cost allocation method that was implemented for the Funds in the second half of 2015. The Board members also discussed with
GEAM personnel the basis for their belief that the methods of allocation used by GEAM continue to be reasonable for each area of GEAM’s business.

 


 
 
 
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The Board members considered the fees paid to SSGA FM by the Elfun Government Money Market Fund, and the cost of
the services provided by SSGA FM to the Elfun Government Money Market Fund. The Board members considered the information they had requested from SSGA FM concerning its profitability. Information was presented regarding SSGA FM’s financial
condition for various past periods. The Board members determined that SSGA FM should be entitled to earn a reasonable level of profit for the services it provides to the Elfun Government Money Market Fund. 


Based on their review, the Board members concluded that they were satisfied that the assumptions and methods used in cost allocation and the level of expenses
incurred by the Funds, as well as the level of profitability to SSGA FM from its relationship with the Elfun Government Money Market Fund, were not unreasonable or excessive. 


The Extent To Which Economies Of Scale Would Be Realized For The Benefit Of Fund Shareholders As The Funds Grow 


Although the Funds did not experience an increase in assets over the past year, the Board members considered the extent to which economies of scale would be
realized for the benefit of Fund investors as the Funds grow. The Board noted that the Funds continue to enjoy fee and expense levels within or below the group of lowest fee and expense funds in their respective peer group comparisons. The Board
also noted that, with respect to the Elfun Government Money Market Fund, GEAM voluntarily undertook to reduce its management fee or subsidize certain expenses of the Fund to the extent necessary to maintain a minimum annualized net yield of 0.00%.

 
The Board members recognized the significant benefits to the Funds resulting from their arrangement with GEAM, which causes them to bear only the reasonable
costs incurred by GEAM and GEID, without any element of profit, for the substantial services they provide to the Funds. The Board members also recognized the benefits to the Funds of being able to leverage a favorable cost structure achieved with
respect to the Funds’ other operating expenses as a result of GEAM’s large overall base of assets under management and its vendor management practices.


 
Comparison Of Services To Be Rendered And Costs To Be Incurred 


The Board members discussed the services provided to the Funds by GEAM and to the Elfun Government Money Market Fund by SSGA FM, and the costs incurred by the
Funds for those services, including the services required of GEAM to oversee the services provided by SSGA FM, the sub-adviser to the Elfun Government Money Market Fund. The Board members reviewed information concerning the Funds’ expense
ratios, and comparative information with respect to peer groupings of mutual funds prepared by Morningstar. They discussed that, in all cases, the Funds enjoy expense levels within or below the group of lowest cost funds in each peer group
comparison. In connection with the Elfun Government Money Market Fund, the Board members reviewed comparative mutual fund and/or other account fee information provided by SSGA FM. In light of this information, the Board members determined that the
level of expenses incurred and, with respect to the Elfun Government Money Market Fund, the sub-advisory fees paid to SSGA GM, considered in relation to the services provided to the Funds, supported the Board’s approval of the investment
advisory and sub-advisory agreements. 
 
Fall-Out Benefits 


The Board members considered other actual and potential financial benefits that GEAM and SSGA FM may derive from their relationship with the Funds, including,
where applicable, soft dollar commission benefits generated through Fund portfolio transactions. The Board members noted, however, that the Funds benefit from the vast array of resources available through GEAM, and that each Fund represents only a
small amount of the overall assets managed by GEAM. 
 
Conclusion 


No single factor was determinative to the Board’s decision. Based on their discussion and such other matters as were deemed relevant, the Board members
concluded that the proposed level of cost reimbursement to GEAM and projected total expense ratios for the Funds are reasonable in relation to the services provided. In view of these facts, the Board members concluded that the renewal of each
investment advisory agreement and the sub-advisory agreement with SSGA FM was in the best interests of the Funds. 
 


 
 
 
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Matters Considered by the Board in Approving a Sub-Advisory Agreement
with SSgA FM 
 
At a Board meeting held on June 9, 2014 (the “Board Meeting”), members of the Board who were present at the Board Meeting
considered and unanimously approved the Proposed Sub-Advisory Agreement with SSgA Funds Management, Inc. (“SSgA FM”). In advance of the Board Meeting, the Board received materials from both GE Asset Management Incorporated
(“GEAM”) and SSgA FM, and had the opportunity to ask questions and request additional information in connection with its consideration. The materials detailed, among other things, information about SSgA FM and its professional staff, SSgA
FM’s historical performance in managing money market funds for its other clients, and information detailing SSgA FM’s investment experience and expertise in managing money market funds and in servicing institutional clients. 


During a series of meetings prior to the Board Meeting, representatives of GEAM had explained and discussed with the Board the specific reasons why GEAM was
recommending SSgA FM and responded to questions raised by the Board. The Board members posed questions to these representatives and engaged in substantive discussions. 


In approving the Proposed Sub-Advisory Agreement with SSgA FM, the Board members considered those factors it deemed relevant, including the nature, quality and
extent of services expected to be provided by SSgA FM. In its deliberations, the Board did not identify any single factor that was dispositive and each Board member may have attributed different weights to the various factors. The Board members
evaluated this information and all other information made available to them by GEAM and SSgA FM, as well as the presentations and discussions that occurred at the Board Meeting. 


The material factors and conclusions that formed the basis for the Board’s determinations to approve the Proposed Sub-Advisory Agreement with SSgA FM are as
discussed below. 
 
The Nature, Extent and Quality of Services Expected to be Provided. 


The Board members reviewed the services expected to be provided to the Elfun Government Money Market Fund (the “Money Market Fund”) by SSgA FM. The
Board



 

considered SSgA FM’s favorable attributes, including its substantial experience managing funds of this type, investment philosophy and discipline, experienced investment and trading
personnel, systems and other resources, and favorable history and reputation. 
 
In light of the foregoing, the Board concluded that the services expected to be
provided by SSgA FM would be satisfactory and would have the potential to benefit the Money Market Fund. 
 
Investment Performance of SSgA FM. 


The Board members considered the investment performance of SSgA FM for various periods focusing on SSgA FM’s investment performance with respect to
registered investment companies that have an investment objective similar to that of the Money Market Fund. The Board members reviewed detailed information provided by GEAM management and SSgA FM comparing SSgA FM’s performance to that of
similarly managed accounts over these periods. The Board also engaged in detailed discussions with GEAM about SSgA FM’s investment processes, focusing on the number and experience of portfolio management and supporting research personnel and
SSgA FM’s investment style and approach employed. The Board discussed the extent to which the expected investment style and approach would be consistent with GEAM’s articulated long-term approach and overall investment philosophy. 


Taking these factors into consideration, the Board concluded the investment performance of SSgA FM to be satisfactory. 


Cost of the Services to be Provided to the Fund. 
 
The Board
members considered the proposed fees that would be paid to SSgA FM by the Money Market Fund and the cost of the services that would be provided by SSgA FM to the Money Market Fund. The Board members also reviewed actual and pro forma information
concerning the fees and expenses for the Money Market Fund if SSgA FM were to be retained as a sub-adviser. The Board considered that the proposed fees to be paid to SSgA FM by the Money Market Fund had been negotiated at arm’s-length, and that
GEAM had used its influence with respect to the total assets it proposes to be managed by SSgA FM to obtain what it regards as a favorable and highly competitive fee arrangement. Given the arm’s-length nature of the negotiations, the Board did
not 
 


 
 
 
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examine the specific levels of profitability for SSgA FM with respect to the Money Market Fund at this time. 


The Extent to Which Economies of Scale Would be Realized as the Fund Grows and Whether Fee Levels Would Reflect Such Economies of Scale. 


The Board members considered and noted the limited economies of scale that unitholders would realize as the Money Market Fund grows and recognized that various
economies of scale are already reflected in the very competitive sub-advisory fee rate for SSgA FM given the existing scale of the management of similar assets. 


Comparison of Services to be Rendered and Fees to be Paid. 
 
The
Board discussed the services expected to be provided to the Money Market Fund by SSgA FM, and SSgA FM’s proposed fees to be charged to the Money Market Fund for those services. The Board members reviewed information regarding the proposed
sub-advisory fees. 
 
The Board concluded that based on this information, the proposed sub-advisory fees would be reasonable in relation to the services
expected to be provided to the Money Market Fund. 
 
Fall-Out Benefits. 


The Board considered that there might be financial benefits that SSgA FM could derive from its relationship with GEAM and the Money Market Fund. The Board did not
view this consideration as having a material effect on its overall view of the reasonableness of the proposed fees for the Money Market Fund. 
 
Conclusion

 
No single factor was determinative to the Board’s decision. Based on their discussion and such other matters as were deemed relevant, the Board
members concluded that the approval of the Proposed Sub-Advisory Agreement with SSgA FM was in the best interests of the Money Market Fund and its unitholders.


 
    

 


 
 
 
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Information about Trustees and Executive Officers: 


The business and affairs of the Funds are managed under the direction of the Funds’ Board of Trustees. Information pertaining to the Trustees and officers of
the Funds is set forth below. 
 
Interested Trustees and Executive Officers 
 
 


 
 
Dmitri Stockton 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  51 
 
Position(s) Held
with Fund  Chairman of the Board and President 
 
Term of Office and Length of Time Served  Until successor is elected and
qualified – 4 years 
 
Principal Occupation(s) During Past 5 Years  President and Chief Executive Officer of GEAM since May 2011; President
and Chief Executive Officer of GE Capital’s Global Banking unit from January 2009 to April 2011; President and CEO of GE Money’s Central and Eastern European Banking Group from January 2005 to December 2008. 


Number of Portfolios in Fund Complex Overseen by Trustee  8 


Other Directorships Held by Trustee  Director of Synchrony Financial since February 2014; Director of GEAM since May 2011; Member of the Board of
GE Foundation since November 2009; Member of the Executive Advisory Council at North Carolina A&T State University School of Business and Economics since March 2011; Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security
Funds) and General Electric Pension Trust since May 2011 and Member of the National Board of Directors of A Better Chance since January 2012. 
 
 


 
 
George A. Bicher 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  57 
 
Position(s) Held
with Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 4 years 


Principal Occupation(s) During Past 5 Years  Chief Investment Officer – Emerging Markets Equities since February 2014; Chief Risk Officer of
GEAM from March 2011 to February 2014; Senior Vice President and Portfolio Manager of GEAM from 2009 to 2011; Director of U.S. Equity Research and Portfolio Manager of GEAM from 2006 to 2009; U.S. equity research analyst of GEAM from 2002 to 2006.

 
Number of Portfolios in Fund Complex Overseen by Trustee  8 


Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and General Electric
Pension Trust and Director of GEAM since March 2011. 

 
 


JoonWon Choe 
 
 


Address  c/o GEAM 1600 Summer St. Stamford, CT 06905 


Age  46 
 
Position(s) Held with
Fund  Assistant Secretary 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 5 years

 
Principal Occupation(s) During Past 5 Years  Senior Vice President and Deputy General Counsel of GEAM since March 2011; Vice President and
Secretary of GE Institutional Funds and GE Investments Funds, Inc. since September 2010; Vice President and Assistant Secretary of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) since September 2010; Senior Vice
President and Associate General Counsel of GEAM from June 2010 to March 2011; Vice President and Associate General Counsel of GEAM from November 2005 to June 2010; and Vice President and Secretary of GE Funds from September 2010 to February 2011.

 
Number of Portfolios in Fund Complex Overseen by Officer  N/A 


Other Directorships Held by Officer  N/A 
 
 


 
 
Paul M. Colonna 


 
 
Address  c/o GEAM, 1600 Summer St.
Stamford, CT 06905 
 
Age  47 
 
Position Held with
Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 8 years 


Principal Occupation(s) During Past 5 Years  President and Chief Investment Officer – Public Investments of GEAM since March 2012; President
and Chief Investment Officer – Fixed Income Investments at GEAM from March 2007 to March 2012; Executive Vice President of GEAM from February 2007 to March 2007; Senior Vice President – Total Return Management of GEAM from March 2005 to
March 2007. 
 
Number of Portfolios in Fund Complex Overseen by Trustee  8 


Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and General
Electric Pension Trust since February 2007; Director of GEAM since March 2007; and Director of GE Asset Management Limited since December 2007. 
 
 


 
 
Gregory B. Hartch 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  46 
 
Position(s) Held
with Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 4 years 


Principal Occupation(s) During Past 5 Years  Chief Risk Officer of GEAM since February 2014; Executive Vice President and Strategy and Business
Development Leader of GEAM from December 2011 to February 2014; Senior Vice President – Tactical Asset Allocation from 2010 to December 2011; Managing Director – International Real Estate from 2007 to 2010; and Director of Fixed Income
Research from 2004 to 2007. 
 
Number of Portfolios in Fund Complex Overseen by Trustee  8 


Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and General Electric
Pension Trust since January 2012. 
 


 
 
 
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Arthur A. Jensen 
 
 


Address  c/o GEAM 1600 Summer St. Stamford, CT 06905 


Age  49 
 
Position(s) Held with
Fund  Treasurer 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 4 years 


Principal Occupation(s) During Past 5 Years  Treasurer of GE Institutional Funds, GE Investments Funds, Inc. and GE Retirement Savings Plan Funds
(formerly GE Savings & Security Funds) since June 2011; Mutual Funds Controller of GEAM since April 2011; Senior Vice President at Citigroup from 2008 to 2010; and Vice President at JPMorgan from 2005 to 2008. 


Number of Portfolios in Fund Complex Overseen by Officer  N/A 


Other Directorships Held by Officer  N/A 
 
 


 
 
Jeanne M. La Porta 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  50 
 
Position(s) Held
with Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 1 year 


Principal Occupation(s) During Past 5 Years  Senior Vice President and Commercial Operations Leader at GEAM since March 2014; President of GE
Institutional Funds and GE Investments Funds, Inc. since April 2014; President and Trustee of GEAM’s UCITs Funds since March 2014; Senior Vice President and Commercial Administrative Officer at GEAM from April 2010 to March 2014; Vice President
of GE Investments Funds, Inc. and GE Institutional Funds since July 2003; Vice President of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and Elfun Funds since October 2003; Secretary of GE Funds from July 2007 to
September 2010 and Vice President from July 2007 to February 2011; Senior Vice President and Deputy General Counsel of GEAM from October 2007 to April 2010; Vice President and Assistant Secretary of GE Funds from September 2003 to July 2007 and
Assistant Secretary of Elfun Funds and GE Retirement Savings Plan Funds from July 2003 to June 2010; and Vice President and Associate General Counsel – Marketing and Client Services (formerly Asset Management Services) of GEAM from May 1997 to
October 2007. 
 
Number of Portfolios in Fund Complex Overseen by Trustee  24 


Other Directorships Held by Trustee  Director of GE Investments Funds, Inc. since 2014; Trustee of GE Institutional Funds since 2014; Trustee of
GE Retirement Savings Funds and General Electric Pension Trust since 2014; Director of GE Investment Distributors, Inc. since June 2011.


 
 
 
Ralph
R. Layman 
 
 
 
Address  c/o GEAM 1600
Summer St. Stamford, CT 06905 
 
Age  59 


Position(s) Held with Fund  Trustee 
 
Term of Office
and Length of Time Served  Until successor is elected and qualified – 24 years 
 
Principal Occupation(s) During Past 5
Years  Executive Vice President and Chief Investment Officer – Emeritus of GEAM since March 2012; President and Chief Investment Officer – Public Equity Investments of GEAM from June 2009 to March 2012; President –
International Equities from March 2007 to July 2009; Executive Vice President – International Equity Investments of GEAM from 1992 to March 2007 and Senior Vice President International Investments from 1991 to 1992. 


Number of Portfolios in Fund Complex Overseen by Trustee  8 


Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and General Electric
Pension Trust since 1993; Director of GE Asset Management Limited since September 2005 and Director of GEAM since July 2009. 
 
 


 
 
Matthew J. Simpson 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  54 
 
Position(s) Held
with Fund  Trustee and Secretary 
 
Term of Office and Length of Time Served  8 years 


Principal Occupation(s) During Past 5 Years  Executive Vice President, General Counsel and Secretary of GEAM since July 2007; Secretary of Elfun
Funds and GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) since July 2007; Senior Vice President and General Counsel – Marketing and Client Services (formerly Asset Management Services) of GEAM and Senior Vice
President and General Counsel of GE Asset Management Services from February 1997 to July 2007; Vice President and Associate General Counsel of GEAM from October 1992 to February 1997; Secretary of GE Institutional Funds and GE Investments Funds,
Inc. from 1997 to July 2007 and Vice President from September 2003 to July 2007; Assistant Secretary of Elfun Funds and GE Retirement Savings Plan Funds from 1998 to July 2007 and Vice President from October 2003 to July 2007; and Secretary of GE
Funds from 1993 to July 2007 and Vice President from September 2003 to July 2007. 
 
Number of Portfolios in Fund Complex Overseen by
Trustee  24 
 
Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE
Savings & Security Funds) and General Electric Pension Trust since July 2007; Trustee of GE Institutional Funds since July 2007; Director of GE Investments Funds, Inc. and GEAM since July 2007; and Trustee of GE Funds from July 2007 to
February 2011. 
 


 
 
 
100 








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LOGO
 


 

 
 
 
 


Donald W. Torey 
 
 


Address  c/o GEAM 1600 Summer St. Stamford, CT 06905 


Age  58 
 
Position(s) Held with
Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 22 years 


Principal Occupation(s) During Past 5 years  President and Chief Investment Officer – Alternative Investments of GEAM since March 2007;
Executive Vice President of GEAM from 1997 to March 2007; Executive Vice President – Alternative Investments of GEIC from 1997 to March 2007. 
 
Number
of Portfolios in Fund Complex Overseen by Trustee  8 
 
Other Directorships Held by Trustee  Trustee of GE Retirement Savings
Plan Funds (formerly GE Savings & Security Funds) and General Electric Pension Trust since 1993 and Director of GEAM since 1997. 
 
 


 
 
David Wiederecht 


 
 
Address  c/o GEAM, 1600 Summer St.
Stamford, CT 06905 
 
Age  59 
 
Position Held with
Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 7 years 


Principal Occupation(s) During Past 5 Years  President and Chief Investment Officer – Investment Solutions of GEAM since February 2008;
Portfolio Manager – GE Institutional Funds since September 2010; Managing Director – Alternative Investments from 2004 to 2008; Vice President – Alternative Investments/Private Equity/Hedge Fund from 1998 to 2004. 


Number of Portfolios in Fund Complex Overseen by Trustee  8  


Other Directorships Held by Trustee  Trustee of GE Retirement Savings Plan Funds (formerly GE Savings & Security Funds) and General
Electric Pension Trust since 2008; Director of GEAM since August 2008 and Director of Edmunds Holding Company since 1999. 
 
 


 
 
Matthew Zakrzewski 


 
 
Address  c/o GEAM 1600 Summer St.
Stamford, CT 06905 
 
Age  55 
 
Position(s) Held
with Fund  Trustee 
 
Term of Office and Length of Time Served  Until successor is elected and qualified – 3 years 


Principal Occupation(s) During Past 5 Years  Executive Vice President and Chief Financial Officer of GEAM since August 2013; formerly, Chief
Financial Officer for GE Ventures from 2012 to 2013 and Chief Financial Officer for GE Risk, Insurance and Corporate Financing from 2006 to 2012. 
 
Number of
Portfolios in Fund Complex Overseen by Trustee  8 
 
Other Directorships Held by Trustee  Trustee of GE Retirement Savings
Plan Funds (formerly GE Savings & Security Funds) and General Electric Pension Trust since September 2013 and Director of GEAM since September 2013.


 
    

 


 
 
 
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LOGO
 
 
 
 
Portfolio Manager Biographies 


 

 
The following sets forth biographical information for those individuals who are primarily responsible for managing
the specified Fund’s investments. The portfolio managers may change from time to time. 
 
David B. Carlson is Chief Investment Officer – U.S.
Equities at GEAM. He manages the overall U.S. equity investments for GEAM. Mr. Carlson has served as the portfolio manager for Elfun Trusts since 1988. Mr. Carlson joined GEAM in 1982 as a securities analyst for investment
operations. He became a Vice President for Mutual Fund Portfolios in 1987, a Senior Vice President in 1989 and an Executive Vice President in 2003. 


Michael J. Caufield is a Senior Vice President of GEAM. He is the portfolio manager of the Elfun Tax-Exempt
Income Fund and has served in that capacity since October 2000. Mr. Caufield joined GEAM in 1987 as Vice President, Manager of Fixed Income Research & Analysis and was promoted to Senior Vice President in 1994. 


William M. Healey is a Senior Vice President and Chief Investment Officer – Core Fixed Income Investments of GEAM. He has served on the portfolio
management team for the Elfun Income Fund since joining GEAM in 1996. Mr. Healey became Vice President in June 2001, Senior Vice President in January 2007 and Chief Investment Officer – Core Fixed Income Investments in April 2012. Prior
to joining GEAM, Mr. Healey spent over 11 years in the fixed income group at MetLife. 
 
Mark H. Johnson is a Senior Vice President and Chief Investment
Officer – Insurance and Long Duration of GEAM. He has been a member of the portfolio management team for the Elfun Income Fund since 2007. Mr. Johnson joined GE in 1998 and GEAM as a Vice President and portfolio manager in 2002.
He became Senior Vice President in September 2007 and Chief Investment Officer – Insurance and Long Duration in April 2012. Prior to joining GEAM, Mr. Johnson held positions at various insurance companies and public accounting firms. 


Ralph R. Layman is an Executive Vice President, Chief Investment Officer Emeritus and a Director of GEAM. Mr. Layman has served as a portfolio manager of
the 
 
Elfun International Equity Fund since 1991. Mr. Layman joined GEAM in 1991 as a Senior Vice President for International Investments, became
an Executive Vice



 

President in 1992, served as President – International Equities from March 2007 to July 2009, President and Chief Investment Officer – Public Equities from July 2009 to March 2012, and
has served as Chief Investment Officer Emeritus since March 2012. 
 
Jeffrey Palma is a Senior Vice President and Chief Market Strategist of GEAM, and a
portfolio manager of the Elfun Diversified Fund. He became a member of the portfolio management team for the Elfun Diversified Fund in May 2013. Prior to joining GE Asset Management in 2012, Mr. Palma worked for UBS Investment Bank
where he held a variety of global research and macro strategy roles supporting UBS’ global equities and fixed income businesses including Managing Director, Head of Global Equity Strategy rom 2007 to 2012, Executive Director, Global Asset
Allocation Strategist from 2001 to 2007 and Director, U.S. Economist from 1999 to 2001. 
 
Michael J. Solecki is a Senior Vice President and Chief
Investment Officer – International Equities at GEAM. He has served as a portfolio manager of the Elfun International Equity Fund since August 1999. He joined GEAM in 1990 as an international equity analyst. He became a Vice President for
international equity portfolios in 1996, Senior Vice President in 2000, Co-Chief Investment Officer – International Equities in March 2009 and Chief Investment Officer – International Equities in March 2012. 


David Wiederecht is the President and Chief Investment Officer – Investment Solutions and a Director at GEAM. He has served as a portfolio manager to
the Elfun Diversified Fund since January 2011. Mr. Wiederecht joined GEAM in 1988 and has held various positions at GEAM including Vice President – Alternative Investments/Private Equity/Hedge Fund from 1998 to 2004, Managing
Director – Alternative Investments from 2004 to 2008, and President and Chief Investment Officer – Investment Solutions since 2008. 
 
Todd N.
Bean, CFA is a Vice President and Senior Portfolio Manager of State Street Global Advisors in the firm’s US Cash Management Group. Mr. Bean has served as portfolio manager of the Elfun Government Money Market Fund since September
2014. Mr. Bean began his career at State Street in 1999, joining the firm as an analyst in the firm’s custody and settlements area.

 


 
 
 
102 








Table of Contents


 



LOGO
 
 
 
 
Portfolio Manager Biographies  (continued) 


 

 
Following a stint on the money markets operations staff, he joined the Cash Management Group in 2004. 


Jeff A. St. Peters is a Managing Director of State Street Global Advisors and the head of U.S. Cash Management within the Global Cash Management division.
Mr. St. Peters has served as portfolio manager of the Elfun Government Money Market Fund since September 2014. Mr. St. Peters manages a team of portfolio managers that focus on traditional money market and securities lending cash
collateral funds. He is also a Senior Portfolio Manager responsible for several securities lending, enhanced cash, offshore, and SSgA’s registered money market portfolios for both retail and institutional clients. Mr. St. Peters has been
managing short duration cash and securities lending portfolios at SSgA for over 12 years. He is a member of SSgA’s Senior Leadership Team. 
 
Prior to
joining SSgA, Jeff was employed nearly 9 years with Fidelity Investments, the latter years within the Fidelity Management and Research Company, where he worked as a trader within the Money Market area of the Fixed Income division. In addition, he
held several positions within Fidelity’s Investment Technology area, where he assisted in designing and implementing an internal proprietary trading system.


 
    

 


 
 
 
103 








Table of Contents


 



LOGO
 


 

 
Portfolio Managers 


Elfun International Equity Fund 
 
Ralph R. Layman 


Michael J. Solecki 
 
Elfun Trusts 


David B. Carlson 
 
Elfun Diversified Fund 


David Wiederecht 
 
Jeffrey Palma 


Elfun Tax-Exempt Income Fund 


Michael Caufield 
 
Elfun Income Fund 


William M. Healey 
 
Mark H. Johnson 


Elfun Government Money Market Fund 
 
SSGA Funds Management, Inc.


 
Investment Adviser 


GE Asset Management Incorporated 
 
Independent Registered
Public Accounting Firm 
 
KPMG LLP 
 
Custodian 


State Street Bank & Trust Company 
 
Unitholder Servicing Agent

 
Address all inquiries to: 
 
Elfun Mutual Funds 


c/o U.S. Bancorp Fund Services, LLC 
 
P.O. Box 701 


Milwaukee, WI 53201-0701 
 


 
 
 
104 








Table of Contents


 



LOGO
 
 
 
 
Online Service 


Your Elfun Mutual Fund accounts can now be accessed on the Internet at www.geam.com. 


Here are some of the online services: 


 






•
 
View account balance and transaction history 
 
 





•
 
Make exchanges 
 
 





•
 
Redeem shares 
 
 





•
 
Purchase shares







•
 
View and order tax forms 
 
 





•
 
View quarterly statements 
 
 





•
 
Change address 
 
 





•
 
Re-order money market checks 
 

 
Telephone Service 


Our GE Mutual Funds Shareholder Service Associates are available Monday to Friday from 9:00 AM to 8:00 PM Eastern Standard Time. Call toll-free, 1-800-242-0134,
for assistance. 
 
Automated Voice Response System 
 
You can
also access your account anytime during the day, 7 days a week by dialing 1-800-242-0134. Simply follow the menu to obtain information or make certain transactions. 


Contact Us By Mail 
 
If you’d like to write to us, address
your inquiries regarding your account(s) to: 
 
Elfun Mutual Funds 


c/o U.S. Bancorp Fund Services, LLC 
 
P.O. Box 701 


Milwaukee, WI 53201-0701 

 
 
 
105 








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LOGO
 
 
 


M O R N I N G S T A R  R A T I N G S TM  Through December 31, 2015 


 















FUND (CATEGORY) 
 
NUMBER OF
FUNDS IN CATEGORY		
    
STAR
RATING





Elfun International Equity (Foreign Large Blend)



Overall
 
891
    
 
 









 
3 year

 
772
    
 
 









 
5 year

 
699
    
 
 









 
10 year

 
529
    
  



Elfun Trusts (Large Growth)



Overall
 
1,779
    
 
  









 
3 year

 
1,702
    
 
 









 
5 year

 
1,547
    
 
  









 
10 year

 
1,330
    
   



Elfun Diversified (Moderate Allocation)



Overall
 
993
    
 
 









 
3 year

 
933
    
 
 









 
5 year

 
834
    
 
 









 
10 year

 
670
    
 



Elfun Tax-Exempt Income (Muni
National Long)



Overall
 
210
    
 
  









 
3 year

 
190
    
 
 









 
5 year

 
190
    
 
 









 
10 year

 
180
    
    



Elfun Income (Intermediate-Term Bond)



Overall
 
1,107
    
 
  









 
3 year

 
1,040
    
 
  









 
5 year

 
990
    
 
  









 
10 year

 
860
    
  


 
 
 
 


Morningstar is an independent fund rating company that seeks to provide a non-biased rating system used in making investment decisions. A fund is rated in its
broad asset class on a scale of one to five stars through the evaluation of the historical balance of risk and return after 3 years of performance. 


Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund’s monthly performance
(including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top ten percent of the funds in each category receive five stars, the next 22.5% receive four
stars, the next 35% receive three stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star. The ratings are subject to change every month. The overall Morningstar Rating for a fund is derived from a weighted average of the performance
figures associated with its three-, five- and ten year (if applicable) Morningstar Rating metrics. 
 
Investment return and principal value of an investment will
fluctuate and you may have a gain or loss when you sell your shares. Returns assume changes in share price and reinvestment of dividends and capital gains. 


Past performance is no guarantee of future results. 

 
 
 
This does not
constitute a part of the Funds’ Shareholder Report 








Table of Contents




 
Elfun Funds 


c/o U.S. Bancorp Fund Services, Ltd. 
 
PO Box 701 


Milwaukee, WI 53201-0701 
 
Distributor 


GE Investment Distributors Inc. 
 
Member FINRA and SIPC

 
1600 Summer Street 
 
PO Box 7900 


Stamford, CT 06904-7900 


 













PRSRT STD





U.S. POSTAGE
 
PAID



Permit No. 1793



Lancaster, PA


 
 




 
The Funds file their complete schedules of portfolio holdings with the
Securities and Exchange Commission for the first, second and third quarters of each fiscal year on Form N-Q. The Funds’ Forms N-Q, as well as a description of the
policies and procedures that the Funds use to determine how to vote proxies (if any) relating to portfolio securities is available without charge (i) upon request, by calling 1-800-242-0134; (ii) on the Funds’ website at http://www.geam.com; and (iii) on the Commission’s website at http://www.sec.gov. The Funds’ Forms N-Q may be reviewed and copied at the Commission’s Public Reference Room in Washington, DC — information on the operation of the Public Reference Room may be obtained by calling 1-800-SEC-0330. 


Information (if any) regarding how the Funds voted proxies relating to portfolio securities during the most recently disclosed 12-months period ended June 30 is available without charge (i) through the Funds’ website at http://www.geam.com; and (ii) on the Commission’s website at http://www.sec.gov.


 
 


 
 
 



LOGO
 
 
ELF 1 (2/16) 


 







Table of Contents







Item 2.
Code of Ethics. 
 
The Registrant has adopted a code of ethics, as defined in Item 2
of Form N-CSR, applicable to its principal executive officer, principal financial officer, principal accounting officer or controller, or persons performing similar functions. A copy of this code of ethics is filed as an exhibit to this Form N-CSR
and is included in the following link: 
 
https://www.geam.com/ExternalWar/common/docs/pdf/Spirit_Letter.pdf 


There have been no amendments to, nor any waivers granted from, a provision that relates to any element of the code of ethics definition set
forth in paragraph (b) of Item 2 of Form N-CSR during the period covered by this report. 
 
 





Item 3.
Audit Committee Financial Expert. 
 
The Board of Trustees of the Registrant has
determined that Matthew Zakrzewski and Donald W. Torey are designated as the audit committee financial experts for the Registrant; and further that it is the finding of the Board of Trustees that Messrs. Zakrzewski and Torey qualify as audit
committee financial experts and are deemed to be “interested persons” of the Registrant as defined in Section 2(a)(19) of the Act (15 U.S.C. 80a-2(a)(19)). 
 
 





Item 4.
Principal Accountant Fees and Services. 
 
(a) AUDIT FEES. The aggregate fees billed for
each of the last two fiscal years (the “Reporting Periods”) for professional services rendered by the Registrant’s principal accountant (the “Auditor”) for the audit of the Registrant’s annual financial statements, or
services that are normally provided by the Auditor in connection with the statutory and regulatory filings or engagements for the Reporting Periods were $13,700 in 2014 and $14,000 in 2015. 


(b) AUDIT RELATED FEES. There were no fees billed by the Auditor for assurance and related services that were related to the performance of the
audit of the Registrant during the Reporting Periods. 
 
(c) TAX FEES. There were no fees billed for professional services rendered by the
Auditor for tax compliance, tax advice or tax planning for the Registrant during the Reporting Periods. 
 
(d) ALL OTHER FEES. There were no
fees billed for products and services provided by the Auditor, other than the services reported in paragraphs (a) through (c) of this Item for the Registrant during the Reporting Periods. 







Table of Contents


 
(e)(1) AUDIT COMMITTEE PRE-APPROVAL POLICIES AND PROCEDURES. 


The Audit Committee of the Elfun Funds (the “Funds”) Board of Trustees is responsible for, among other things, the appointment,
compensation and oversight of the work of the Funds’ Auditor. As part of this responsibility and to ensure that the Auditor’s independence is not impaired, the Audit Committee (1) pre-approves the audit and non-audit services provided
to the Funds by the Auditor, and (2) all non-audit services provided to the Funds’ investment adviser and Covered Affiliates (as defined in the Audit Committee Charter) that provide ongoing services to the Funds if the services directly
impact the Funds’ operations or financial reporting, in accordance with the Audit Committee Charter. The following excerpt from the Audit Committee Charter sets forth the pre-approval policies and procedures: 


Pre-Approval of Audit Related Services and Permissible Non-Audit Services. The Audit Committee shall pre-approve both audit (including audit,
review, and attest) services and permissible non-audit services provided to the Fund and, if the nature of the engagement relates directly to the operations and financial reporting of the Fund, permissible non-audit services provided to any Covered
Affiliate. 
 
The Audit Committee may determine to delegate the authority to grant pre-approvals to one or more Audit Committee members, each
acting on behalf of the Audit Committee. In this event, the member of the Audit Committee so delegated shall report each delegated pre-approval to the Audit Committee at its next regularly scheduled meeting. The Audit Committee may also adopt and
follow, in lieu of explicit pre-approval described above, written policies and procedures detailed as to the particular service, designed to safeguard the continued independence of the Auditor, consistent with the requirements of the Investment
Company Act of 1940, as amended (the “1940 Act”), and SEC regulations there under. 
 
Notwithstanding the foregoing, the
pre-approval requirement concerning permissible non-audit services provided to the Fund or any Covered Affiliate is waived if: (1) the aggregate amount of all such non-audit services provided constitutes no more than five percent (5%) of
the total amount of revenues paid to the Auditor by the Fund and the Covered Affiliates during the fiscal year in which the services are provided that would have to be pre-approved by the Audit Committee, (2) the non-audit services were not
recognized as non-audit services at the time of the engagement, and (3) such non-audit services are promptly brought to the attention of the Audit Committee and approved by the Audit Committee or one or more designated members of the Audit
Committee prior to the completion of the audit. 
 
(2) PERCENTAGE OF SERVICES DESCRIBED IN PARAGRAPHS (b) THROUGH (d) APPROVED BY
AUDIT COMMITTEE. No fees were charged during the Reporting Periods for audit related, tax or other services as indicated in sections (b) through (d) of this Item. 







Table of Contents


 
(f) Not applicable. 


(g) NON-AUDIT FEES. The aggregate non-audit fees billed by the Auditor for services rendered to the Registrant, and rendered to the
Registrant’s investment adviser and any entity controlling, controlled by, or under common control with the Registrant’s adviser (“Service Affiliates”), for the Reporting Periods were $0 in 2014 and $0 in 2015. 


(h) AUDITOR INDEPENDENCE. There were no non-audit services rendered to Service Affiliates during the Reporting Periods that were not
pre-approved. 
 
 





Item 5.
Audit Committee of Listed Registrants. 
 
Applicable only to Closed-End Management
Investment Companies. 
 
 





Item 6.
Schedule of Investments. 
 
(a) Schedule of Investments is included as part of the Report
to Shareholders filed under Item 1 of this Form N-CSR. 
 
(b) Not applicable. 


 





Item 7.
Disclosure of Proxy Voting Policies and Procedures for Closed-End Management Investment Companies. 


Applicable only to Closed-End Management Investment Companies. 
 
 





Item 8.
Portfolio Managers of Closed-End Management Investment Companies. 
 
Applicable only to
Closed-End Management Investment Companies. 
 
 





Item 9.
Purchases of Equity Securities by Closed-End Management Investment Company and Affiliated Purchasers. 


Applicable only to Closed-End Management Investment Companies. 
 
 





Item 10.
Submission of Matters to a Vote of Security Holders. 
 
During the reporting period, there
have been no material changes to the procedures by which the shareholders may recommend nominees to the Registrant’s Board of Trustees. 
 
 





Item 11.
Controls and Procedures. 
 
(a) The Registrant’s principal executive officer and
principal financial officer have concluded that the Registrant’s disclosure controls and procedures (as defined in Rule 30a-3(c) under the 1940 Act) are effective as of a date within 90 days of the filing date of the report included in
Item 1 of this Form N-CSR, based on the evaluation of these controls and procedures required by Rule 30a-3(b) under the 1940 Act and Rules 13a-15(b) or 15d-15(b) under the Securities Exchange Act of 1934, as amended. 







Table of Contents


 
(b) There were no changes in the Registrant’s internal control over financial reporting (as
defined in Rule 30a-3(d) under the 1940 Act) that occurred during the Registrant’s second fiscal quarter of the period covered by this Form N-CSR that have materially affected, or are reasonably likely to materially affect, the
Registrant’s internal control over financial reporting. 
 
 





Item 12.
Exhibits. 
 
(a)(1) The Code of Ethics that applies to the Registrant’s principal
executive officer and principal financial officer is attached hereto. 
 
(a)(2) The certifications required by Rule 30a-2(a) under the 1940
Act and Section 302 of the Sarbanes-Oxley Act of 2002 are attached hereto. 
 
(a)(3) Not applicable. 


(b) The certifications by the Registrant’s principal executive officer and principal financial officer, as required by Rule 30a-2(b)
under the 1940 Act and Section 906 of the Sarbanes-Oxley Act of 2002, are attached hereto. 







Table of Contents


 
SIGNATURES 


Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, the below Registrants have duly caused each report
to be signed on their behalf by the undersigned, thereunto duly authorized. 
 
 















 
Elfun International Equity Fund


Elfun Trusts
 
Elfun Diversified Fund


Elfun Tax-Exempt Income Fund
 
Elfun Income Fund


Elfun Government Money Market Fund


















By:
 
 
/s/ Dmitri L. Stockton




 
Dmitri L. Stockton




 
Trustee, President and Chief Executive Officer




 
GE Asset Management Incorporated
 
Date: February 18, 2016 


Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, each report has been signed below by the following
persons on behalf of the Registrants and in the capacities and on the dates indicated. 
 
 















By:
 
 
/s/ Dmitri L. Stockton




 
Dmitri L. Stockton




 
Trustee, President and Chief Executive Officer




 
GE Asset Management Incorporated
 
Date: February 18, 2016 


 














By:
 
 
/s/ Arthur A. Jensen




 
Arthur A. Jensen




 
Treasurer, Elfun Funds
 
Date: February 18, 2016 





EX-99.CODE ETH
2
d176413dex99codeeth.htm
CODE OF ETHICS


Code of Ethics

 

 



LOGO

 
 
THE SPIRIT 
& THE
LETTER 
GE 







 



LOGO

 
 
CONTENTS 
THE CODE
>> 
The GE Code of Conduct 01 
THE SPIRIT >> 
Who Should Follow These Policies 02 
What Employees Must Do 03 
What Leaders Must Do 04 
Be the Voice of Integrity 05 
THE LETTER >> 
Regulatory Excellence 06 
Improper Payments 07 
Supplier Relationships 08 
International Trade Compliance 09 
Anti-Money Laundering 10 
Working with Governments 11 
Competition Law 12 
Fair Employment Practices 13 
Environment, Health & Safety 14 
Securing GE Operations Globally 15 
Intellectual Property 16 
Cyber Security & Privacy 17 
Controllership 18 
Conflicts of Interest 19 
Insider Trading & Stock Tipping 20 
Key Questions of Integrity 21 
GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND
RESOURCES THE SPIRIT & THE LETTER 







 



LOGO

 
 
THE GE CODE OF CONDUCT 
01
Be honest, fair and trustworthy in all of your GE activities and relationships. 
02 Obey applicable laws and regulations governing our business worldwide.

03 Fulfill your obligation to be the Voice of Integrity and promptly report any concerns you have about compliance with law, GE policy or this Code. 
04 Simple compliance is more effective compliance. Effective compliance is a competitive advantage. Work to run the company in as competitive a way as possible — with speed,
accountability and compliance. 
THE SPIRIT & THE LETTER GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND RESOURCES 1 







 



LOGO

 
 
WHO FOLLOW SHOULD THESE

POLICIES 
The Spirit & The Letter must be followed by anyone who works for
or represents GE. 
THIS INCLUDES >> 
GE directors, officers and
employees. 
Subsidiaries and controlled affiliates. Entities in which GE owns more than 50 percent of voting rights, or which GE has the right to control, are
required to adopt and follow GE compliance policies. 
Non-controlled affiliates should be encouraged to adopt and follow GE compliance policies. 
GE employees working with third parties such as consultants, agents, sales representatives, distributors and independent contractors must: 
Require these parties to agree to comply with relevant aspects of GE’s compliance policies.

Provide these parties with education and information about policy requirements.

Take action, up to and including terminating a contract, after learning that a third party failed to abide by GE’s compliance policies. 
About This Guide 
This guide provides an introductory summary to these policies — not the
full policies themselves. 
Go to integrity.ge.com for detailed policy information and resources to help you. 
THE SPIRIT & THE LETTER GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND RESOURCES 2 







 



LOGO

 
 
WHAT MUST DO EMPLOYEES 
BE
KNOWLEDGEABLE 
Gain a basic understanding of The Spirit & The Letter policies. 
Learn the details of any Spirit & Letter policy that is relevant to your individual job responsibilities. 
Learn about your detailed business and regional policies and procedures and understand how to apply them to your job. 
BE AWARE 
Stay attuned to developments in your area or industry that might impact GE’s
compliance with laws and regulations or reputation in the marketplace. 
Understand GE may review, audit, monitor, intercept, access and disclose information
processed or stored on GE equipment and technology, or on personally-owned devices permitted GE network access. 
BE COMMITTED 
Promptly raise any concerns about potential violations of law or GE policy. 
Cooperate fully
and honestly in GE investigations related to integrity concerns. 
THE COST OF NONCOMPLIANCE 
Employees and leaders who do not fulfill their integrity responsibilities face disciplinary action up to and including the termination of their employment. The following examples
of conduct can result in disciplinary action. 
EXAMPLES >> 
Violating law
or GE policy or requesting that others do the same. 
Retaliating against another employee for reporting an integrity concern. 
Failing to promptly report a known or suspected violation of GE’s integrity policies.

Failing to fully and honestly cooperate in GE investigations of possible policy violations. 
Failing as a leader to diligently ensure compliance with GE’s integrity principles, policies and law. 
THE SPIRIT & THE LETTER GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND RESOURCES 3 







 



LOGO

 
 
MUST WHAT DO LEADERS 
GE
holds its leaders accountable for creating a culture of compliance in which employees understand their responsibilities and feel comfortable raising concerns without fear of retaliation. Leaders’ responsibilities span prevention, detection and
response to compliance issues. 
PREVENT >> 
Personally set the example
for integrity, not just through words, but more importantly, through actions. 
Ensure employees understand that business results are never more important than
ethical conduct and compliance with GE policies. 
Create an open environment in which every employee feels comfortable raising concerns. 
Communicate the importance of compliance with sincerity and conviction at every appropriate opportunity. 
Commit adequate resources to your business’s compliance program. 
Champion an effective GE
ombudsperson network. 
DETECT >> 
Lead compliance processes through
compliance review boards. 
Conduct periodic compliance reviews with the assistance of business compliance leaders and/or the Corporate Audit Staff. 
Implement control measures such as “dashboards” and “scorecards” to detect heightened compliance risks and violations. 
RESPOND >> 
Document and escalate any employee’s expressed concern through the
appropriate channels. 
Take prompt corrective action to address identified compliance weaknesses. 
Take appropriate disciplinary action. 
Integrate employees’ integrity contributions into
evaluations and recognition and reward programs. 
THE SPIRIT & THE LETTER GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND RESOURCES 4 







 



LOGO

 
 
BE OF THE INTEGRITY VOICE

Being the Voice of Integrity at GE isn’t always easy, but when we raise integrity concerns, we make our Company stronger and protect our colleagues from harm.

You do not need to be certain that a violation has occurred. At the same time, you have an obligation to promptly raise a concern when you see a situation in which
our integrity principles or policies are not being followed. 
Confidentiality is respected, and you may even choose to remain anonymous. However, if you identify
yourself, we are able to follow up with you and provide feedback. Your identity and information will only be shared on a “need-to-know” basis. Any retaliation — whether direct or indirect — against employees who raise a concern
is grounds for discipline up to and including dismissal. 
HOW TO RAISE AN INTEGRITY CONCERN >> 
GE offers several channels for raising concerns. You can choose to speak to someone about a potential integrity issue or put it in writing. Generally, your supervisor or manager
will be in the best position to resolve an integrity concern, but other resources include: 
Your human resources leader. 
Your compliance leader or auditor. 
Company legal counsel. 
Next level of management. 
Your business or region GE ombudsperson or integrity helpline.

A GE Corporate ombudsperson. 
The GE Board of Directors. 
HOW WE HANDLE INTEGRITY CONCERNS >> 
GE fairly examines every integrity concern, and
managers are required to escalate employees’ concerns to a compliance specialist. During the investigation process, GE: 
1. Forms an objective investigation
team. 
2. Determines the facts through interviews and/or the review of documents. 
3. Recommends corrective action, if necessary. 
4. Provides the person who raised the original
concern (if that person is known) with feedback on the outcome. 
Raise a concern

GE Corporate Ombudsperson 
The GE ombudsperson process allows you to voice
your integrity questions and concerns, anonymously if you prefer. P.O. Box 911 Fairfield, CT 06824-0911 U.S.A. 
800-227-5003 (U.S.A. only) or (1) 203-373-2603
ombudsperson@corporate.ge.com 
GE Board of Directors 
You can report concerns
about GE’s accounting, internal accounting controls or auditing matters, as well as other concerns, to the Board of Directors or the Audit Committee. 
GE Board
of Directors 
General Electric Company (W2E) 3135 Easton Turnpike Fairfield, CT 06828 U.S.A. 800-417-0575 (U.S.A. only) (1) 203-373-2652 directors@corporate.ge.com

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REGULATORY 
EXCELLENCE

RESPONSIBILITIES OF EMPLOYEES 
Know and comply with the laws and regulatory
requirements that affect your job responsibilities. 
Treat regulators professionally, with courtesy, honesty and respect at all times. 
Coordinate with business or Corporate experts when working with or responding to requests from regulators. 
Be the Voice of Integrity and promptly escalate any potential issues that may lead to a regulatory compliance breach. 
RESPONSIBILITIES OF LEADERS 
Incorporate regulatory requirements into business strategy and
processes. 
Assign owners to regulatory risk areas and ask them to partner with appropriate GE government affairs and regulatory experts. 
Confirm you and your team have access to subject matter expertise needed to manage regulatory risks. 
Develop strong processes to anticipate risks, including new and changing regulations. 
Monitor
regulatory compliance on an ongoing basis and conduct periodic audits of key processes. 
What You Should Know 
In every market in which GE operates, GE must comply with an ever-expanding array of laws and regulations that are often being enforced more aggressively than ever before. In some
cases, laws made by one country seek to regulate activities that take place outside of that country. This environment demands that every employee and leader be committed to regulatory excellence. 
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IMPROPER 
PAYMENTS

RULE TO REMEMBER >> Do not permit or engage in bribery or corruption of any kind. 
OUR POLICY 
GE prohibits bribery in all business dealings, in every country around the world,
with both governments and the private sector. 
GE prohibits even small facilitation payments to expedite routine administrative actions, except in extraordinary
circumstances and with the prior approval of a GE compliance or business general counsel, or where an employee’s safety or security is at stake. Our goal is to eliminate all facilitation payments. 
We maintain strong controls aimed at preventing and detecting bribery. This includes a rigorous process for appointing and managing third parties acting on GE’s behalf in
business dealings. 
We maintain accurate books, records, and accounts that correctly reflect the true nature of all transactions. 
YOUR ROLE 
Never offer, promise, make, or authorize a payment or the giving of anything of
value to anyone in order to obtain an improper business advantage. 
Remember that providing gifts, entertainment or anything else of value to government employees
is highly regulated and often prohibited. Do not provide such gifts and entertainment unless you have received prior GE counsel approval. 
Follow Corporate and
business guidelines regarding gifts and entertainment and other business courtesies. 
Never contribute Company funds or other GE assets for political purposes
without obtaining prior approval from Corporate Government Affairs, a Company officer or GE counsel, as applicable. 
Follow your business due diligence procedures
and require that any third party representing GE be carefully selected and comply with this policy. 
Treat with extreme caution a demand from a third party to
receive its commission payment prior to winning a deal/contract. 
Be wary of any suggestion to direct GE business through a specific representative or partner due
to a “special relationship.” 
Be suspicious of any request to make a payment to a person who is not related to the transaction being discussed — or a
request that payments be made in another country. 
Watch out for commissions that seem too large in relation to the services provided. 
What You Should Know 
Bribery means giving, offering or promising anything of value to gain an
improper business advantage. 
Facilitation payments are small customary amounts paid to government employees to expedite routine clerical or administrative actions
such as issuing permits. 
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SUPPLIER 
RELATIONSHIPS

RULE TO REMEMBER >> Work only with suppliers that uphold GE’s values

and high integrity standards. 
OUR POLICY 
GE relationships with suppliers must be based on lawful and fair practices. 
GE provides
suppliers a fair opportunity to earn a share of GE’s purchasing volume, including small businesses, and businesses owned by the disadvantaged, minorities, women and disabled veterans. 
GE only does business with suppliers that comply with all applicable legal requirements and GE guidelines relating to labor, employment and environment, health and safety and that
treat workers and others fairly and with respect. 
GE, as a business enterprise, promotes respect for human rights within our supply chain. 
GE safeguards information, including confidential and proprietary information and personal data, of both GE and suppliers. 
YOUR ROLE 
Follow the procedures set out in GE’s Supplier Responsibility Guidelines.

Be mindful of GE’s supplier diversity program when choosing suppliers.

Protect GE’s confidential and proprietary information including, where appropriate, with a confidentiality agreement. Also safeguard any confidential
information or personal data that a supplier provides to GE. 
Avoid potential conflicts of interest when you select a supplier, and never accept improper gifts or
other items of value. 
Follow government acquisition regulations when purchasing materials and services for use in fulfilling government contracts. 
If you observe a suspected human rights violation in GE’s supply chain, elevate the concern to your manager and/or compliance leader. 
Always report issues and concerns regarding supplier relationships: be the Voice of Integrity and talk to your manager, legal counsel or compliance specialist if you see unsafe
conditions in supplier facilities, supplier employees who appear to be underage or subject to coercion, or an apparent disregard of environmental standards in supplier facilities. 
What You Should Know 
GE’s reputation for integrity can be significantly affected by those
whom we select to act as our suppliers. 
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INTERNATIONAL TRADE

COMPLIANCE 
RULES TO REMEMBER >> Always know what you’re exporting,
its destination, the end user, and the end use. >> Be sure to provide Customs with complete and accurate import documentation. 
OUR POLICY 
GE will comply with all export control, economic sanctions and customs laws that regulate cross-border transfers of goods and technology. 
GE maintains policies regarding State Sponsors of 
Terrorism (SSTs) and other sanctioned
countries that are often stricter than applicable laws. 
YOUR ROLE 
CUSTOMS
>> 
Follow all business procedures relating to the import of goods. 
Only
use GE-approved Customs agents. 
Ensure you fully comply with special program requirements before you claim reduced duty rates. 
Report accurate, complete and timely information on import declarations, and provide accurate and complete product descriptions when classifying goods. 
Obtain approval from your Customs team before hand-carrying any commercial product across a border. 
EXPORT CONTROLS >> 
Follow all business procedures relating to the export of goods,
software or technology. 
Use the export classification of goods, software or technology to determine if they require government authorization for export.

Follow “Know Your Customer/Know Your Supplier” procedures and the Corporate Watchlist Screening Guidelines to ensure we do not do business with people or
companies identified on government restricted party lists. 
Confirm all necessary licenses or authorizations are in place before any export transaction, and adhere
to all export license or license exception requirements. 
Do not cooperate with any boycott of Israel or any other boycott or restrictive trade practice not
authorized by the U.S. government. Seek legal counsel if a restrictive trade practice or boycott appears to conflict with the laws of another country. 
What You
Should Know 
Export control laws regulate cross-border transfers of goods, software and technology that can be used for military or weapons proliferation purposes.
Some countries also control the release of technical data to foreign nationals within their borders. 
Customs laws regulate the movement (import and export) of
goods across national borders or customs territories, even in the absence of a commercial transaction or import duties. Sanctions (including embargoes and boycotts) can restrict trade in some or most goods and services. 
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ANTI-MONEY 
LAUNDERING

RULE TO REMEMBER >> Always know your customer and be alert to possible illegal activity. 
OUR POLICY 
GE is committed to complying with applicable anti-money laundering, corruption and
terrorist financing laws and regulations. 
GE conducts business only with customers involved in legitimate business activities, with funds derived from legitimate
sources. 
We adhere to risk-based “Know Your Customer” due diligence processes on prospective customers. GE has controls to detect, investigate and report
suspicious activity. 
We recognize AML risks introduced by third party and business partner relationships and mitigate those risks by, for example, performing
watchlist screening. 
YOUR ROLE 
Collect and understand documentation about
prospective customers, agents and business partners to ensure that they are involved in legitimate business activities and that their funds come from legitimate sources. 
Follow your business Know Your Customer procedures and rules on collecting and verifying information from our customers and related parties. 
Follow your business rules concerning acceptable forms of payment. Learn the types of payments that have become associated with money laundering (for example, payments on behalf of
a customer from an unknown person). 
Be alert for and escalate any signs of potential money laundering or other illegal activities. 
EXAMPLES >> 
Attempts by a customer to provide false information to open an account.

Offers to pay in cash or overpayments followed by requests for refunds.

Orders, purchases or payments that are unusual or inconsistent with a customer’s trade or business. 
Unusually complex deal structures. 
Unusual fund transfers to or from countries unrelated to
the transaction. 
Transactions that might have been structured to evade recording or reporting requirements. 
What You Should Know 
Money laundering is the process of hiding the proceeds of crime or making
the source appear legitimate. 
The term “Customer” applies to any party contracted to obtain goods, services, credit or who opens an account. 
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WORKING WITH GOVERNMENTS

RULE TO REMEMBER >> Never take shortcuts when dealing with government — be transparent, always comply. 
OUR POLICY 
GE follows the highest ethical standards in conducting business with governments.

GE commits to comply with all contract terms and conditions, laws, and regulations applicable to GE when working with governments. 
We must be truthful and accurate when dealing with governments. 
We maintain controls and
procedures that target our government business activities specifically to ensure compliance in this highly regulated environment. 
YOUR ROLE 
• Government business is different — do not pursue government business without first engaging your legal counsel. 
• Before submitting a proposal to a government, review the requirements with all applicable stakeholders and only accept those terms with which GE can comply. 
• Do not accept internal government information about its selection process nor information about a competitor’s proposal unless the government contracting officer has
specifically and lawfully authorized its release. 
After award, perform all contract obligations strictly in accordance with the terms of the agreement. For
example, do not make any substitutions for the goods and services to be delivered, or deviate from requirements, without the written approval of the authorized government official. 
Do not offer, promise, make or authorize the giving of anything of value to a government employee that is inconsistent with Corporate and business guidelines. 
Never enter into discussions with government employees or people close to them about prospective employment of non-employees while they can influence decisions affecting GE.

In the U.S., certain employees must pre-approve personal political contributions for compliance with state and local “pay to play” laws. These employees
are officers, directors, sales employees and their managers of GE businesses that seek U.S. state or local government contracts. If you are unsure whether you must pre-clear personal political contributions, contact your legal counsel or compliance
leader. 
i Be Aware 
Government Employee and Government Official mean an
employee, official, or an elected or appointed member of an executive, legislative, or administrative body of a federal, national, state/provincial, or local government from any country. This includes an employee of any public agency/department,
state instrumentality, or State-owned or -controlled enterprise. Outside the U.S., employees of public international organizations, candidates for elective office, political party officials, family members of government employees, and members of a
royal family may also be considered Government Officials. State-owned or -controlled enterprises may include, for example, hospitals, oil companies, public utilities, railroads, airlines, TV stations, public universities, sovereign wealth funds,
central banks, and pension funds. 
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COMPETITION LAW 
RULE TO
REMEMBER >> Do not enter into any agreement with competitors that deprives customers of the benefits of competition. 
OUR POLICY 
Every GE employee has a responsibility to comply with all applicable competition laws, regulations, decrees and orders. 
GE must never collude with other companies on price or terms to be offered to customers; agree with competitors to allocate markets or customers; or manipulate the bidding process.

YOUR ROLE 
Do not propose or enter into any agreement or understanding with
any competitor about any aspect of competition between GE and a competitor, including agreements on pricing, bidding, deal terms, wages or the allocation of markets or customers. 
Do not propose or enter into any agreement with any other party regarding whether or how to bid. Only submit bids if the purpose is to compete for and win a particular piece of
business. 
Avoid contacts of any kind with competitors that could create the appearance of improper agreements or understandings. Actively disassociate yourself
from any situations in which improper agreements or information sharing between competitors are raised, and promptly inform your legal counsel. 
Understand and
follow your business’s specific guidelines about contacts with competitors, obtaining and handling competitive information, and participating in trade and professional associations. 
Avoid agreements or understandings that restrict the price at which a party may resell a product or service. 
Do not provide, receive or exchange any of the following types of information with a competitor or its representative, whether in person, electronically or at an industry meeting:

• Prices. 
• Bids. 
• Customers, suppliers, sales territories or product lines. 
• Terms or conditions of
sale. 
• Production, sales capacity or volume. 
• Costs, profits or
margins. 
• Market share. 
• Sales, marketing or development
strategies for products or services. 
• Distribution methods. 
Talk to
Your Legal Counsel 
Before implementing any of the 
following: 
Sale of multiple GE products in “bundles.” 
Exclusive arrangements. 
Technology licenses that restrict the freedom of the licensee or licensor. 
Price discounts
that depend on loyalty or volume or are offered only to certain customers. 
Pricing initiatives. 
Distribution or supply arrangements with competitors. 
Policies concerning access of customers
and third parties to parts, software and other inputs for the servicing of GE equipment. 
Any proposed merger, acquisition or joint venture. 
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FAIR EMPLOYMENT PRACTICES

RULE TO REMEMBER >> Treat all employees fairly and with respect. 
OUR
POLICY 
GE bases employment decisions on job qualifications and merit which include education, experience, skills, ability, performance, and growth values.

Employment decisions should also be made without considering a person’s race, color, religion, national or ethnic origin, sex (including pregnancy), sexual
orientation, gender identity or expression, age, disability, veteran status or other characteristic protected by law. 
We respect human rights everywhere we work
and do business with others. 
GE will comply with all laws pertaining to freedom of association, privacy, collective bargaining, immigration, working time, wages
and hours, as well as laws prohibiting forced, compulsory and child labor, trafficking in persons and employment discrimination. 
We take affirmative action where
required by law to increase opportunities in employment for women, minorities, people with disabilities and certain veterans. 
We respect employees’ privacy
rights and will use, maintain and transfer personal data in accordance with GE’s Employment Data Protection Standards, related procedures and local law. 
YOUR
ROLE 
You may not refuse to work or cooperate with others because of characteristics covered by this policy such as race, religion, sex, age, or other
characteristic protected by law. 
Create a work environment free from harassment on the basis of any protected characteristic, and free from bullying. 
Never make an unwelcome sexual advance to an employee or other person with whom you work.

Never disclose employment data to a person who does not have a business need, the authority, or, where required, the subject’s consent. 
Consult with your manager and a GE legal or compliance specialist if you encounter a conflict between this policy and local laws, customs or practices. 
What You Should Know 
GE absolutely prohibits taking adverse action against an employee because
he/she has raised a concern about a violation of policy or law. 
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LOGO

 
 
ENVIRONMENT, HEALTH & SAFETY 
RULE TO REMEMBER >> Follow EHS procedures and be alert to environmental and safety hazards in your workplace. 
OUR POLICY 
GE strictly complies with all environmental, health, and safety (EHS) laws that
apply to our operations. 
We develop and follow safe work procedures to ensure workplace safety and prevent injuries. 
We install, maintain, and monitor environmental controls to ensure our emissions meet legal limits. 
We assess the EHS risks of any new activity, whether designing a new product, selling in a new market, building a new factory, or buying a new business. 
Our EHS principles apply to everything we do — from making or servicing products and buying businesses to driving vehicles and disposing of waste. 
YOUR ROLE 
Understand and comply with all the EHS policies that apply to you, including
Corporate policies, business policies, and any specific policies that apply to your site, position, or operation. 
Implement GE management tools and processes to
find and fix EHS concerns at your site. 
Follow Corporate and business policies for managing, shipping, transporting, importing/exporting and disposing of hazardous
materials and chemicals. 
Question unsafe or improper operations, and insist on a “stop work” if necessary to address them. 
Be the voice of integrity 
Eliminating or guarding against hazards starts with identifying
them. You must alert supervisors or EHS leaders if you are aware of hazards or standards that are being ignored or hidden. 
Red flags include: 
Failure to obtain or comply with regulatory permits. 
Deviations from written work
practices– even if these deviations have become “routine.” 
Lapses in security or emergency preparedness. 
Inadequately maintained tools or equipment. 
Missing machine guards or faulty protective
equipment. 
Unsafe driving. 
Failure to use lock-out, tag-out procedures or
fall protection. 
Improperly shipped wastes or hazardous products. 
Unsafe
customer sites. 
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SECURING GE 
OPERATIONS
GLOBALLY 
RULE TO REMEMBER >> GE has no greater responsibility than to protect its people and operations. 
OUR POLICY 
We implement rigorous Security and Crisis Management 
(SCM) plans designed to ensure the security of our people and operations globally. Our SCM plans include a process for identifying, and protecting against, the risks posed by
man-made or natural incidents that affect our people, facilities, information technology assets and systems, or products, services and supply chain. 
Communicate,
as appropriate, about prevention, emergency response and business continuation with the GE community, government officials, the media and the public. 
YOUR ROLE

Maintain situational awareness. Help us protect you, your colleagues, and visitors; know your surroundings. 
Adhere to all entry/exit procedures. Wear your badge and ensure others do too. Badges provide a visible display that an individual’s access is authorized and ensure GE
facilities are protected from all but AUTHORIZED personnel. 
Challenge individuals who do not have a badge and report visitors who are unescorted. 
Comply with GE travel policies. Make use of the Travel Advisory System when planning travel.

Make travel arrangements through the GE Travel Center. Obtain pre-clearances to designated countries. 
Create and maintain a safe working environment. 
Identify and report indicators or incidents of
workplace violence to your manager, HR, Security Leader or Ombudsperson. 
Conduct rigorous background checks on new hires and contractors as permitted by law.

Observe Global Immigration Rules by ensuring your employees and invited guests comply with global immigration regulations when traveling. 
Be an active participant in Crisis Management, Business Continuity, and workplace violence prevention drills and security awareness sessions to ensure you have the knowledge to
remain safe at work, home and on the road. 
Complete the GE Event Tool if hosting or coordinating a GE event. Help make it a safe event by completing the GE Event
Tool at security.ge.com. 
Be the voice of integrity 
Involve GE Security
professionals if you encounter security concerns (for example, thefts, assaults, missing employees or data loss). Report these events, or any other unusual or suspicious activity, to your Security and Crisis Management Leader or at security.ge.com.

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INTELLECTUAL PROPERTY

RULE TO REMEMBER >> Every GE employee has a responsibility to safeguard GE’s intellectual property — it is the key to our competitive advantage.

OUR POLICY 
GE aggressively protects its intellectual property (IP) and
enforces its rights against others who take or use GE IP without proper authorization. 
GE respects valid IP rights and avoids unauthorized use of IP that belongs
to other people or organizations. 
GE must own the IP created by its employees as part of their employment. We require employees to review and sign GE’s
Employee Innovation and Proprietary Information Agreement (EIPIA). 
YOUR ROLE

Classify, label, store and share all GE data, information and documents in accordance with GE’s Data Classification Policy, and ensure that access to
information and documents is granted only to individuals with a legitimate need. 
Only use or distribute GE’s proprietary information for the benefit of GE,
and not for personal gain. 
Do not take, access, provide access to, or use any of GE’s proprietary information or other IP without authorization after leaving
GE. 
Consult with your manager, legal or IP counsel if you have any questions or concerns regarding how to identify, handle and protect GE’s IP. 
Do not bring, access, keep, share or use a third party’s proprietary information, especially proprietary information from a previous employer, without first consulting with
and receiving prior approval from your IP counsel. 
Do not provide GE’s proprietary information to a third party without the proper internal approval and the
necessary confidentiality agreement with the third party. 
Do not use any source code or other software from a third party in any GE product or as a tool without
obtaining prior approval. Approval to use open source software can be requested through the open source approval tool found at IP.ge.com. 
Direct each unsolicited
third party suggestion for new or improved GE products, features or services to the Submitting Ideas & Inventions portal found at www.ge.com. 
What You Should
Know 
IP is among GE’s most valuable assets. Every employee creates, uses, accesses or has access to IP every day. 
IP includes patents, trade secrets, trademarks, copyrights and designs and helps protect GE’s inventions, manufacturing processes, brands, business plans, marketing documents
and graphics, software, product shapes, proprietary information and many other things. 
Proprietary information is information that is undisclosed, for example, not
publicly known or generally available, and that is held in confidence. 
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CYBER SECURITY & PRIVACY 
RULE TO REMEMBER >> Respect privacy rights and protect against cyber risks to GE information, networks and products. 
OUR POLICY 
GE respects individual privacy rights. GE is committed to collecting, handling and
protecting Personal Information responsibly, and in compliance with applicable privacy and information security laws and with GE’s Commitment to the Protection of Personal Information (GE’s Binding Corporate Rules), where applicable.

GE may transfer Personal Information globally, consistent with applicable law.

GE seeks to protect its networks, systems, devices and information in our possession. It is our policy to use information only for legitimate purposes and to
maintain appropriate access controls. 
GE’s policy is to conduct security testing on our products prior to release and to monitor for cyber security threats
and vulnerabilities. 
YOUR ROLE 
If you have responsibility for software, IT or
product development, follow GE guidelines for Secure Software Development at integrity.ge.com. Ensure appropriate vulnerability testing prior to release, monitor for potential threats and vulnerabilities, and let customers know how to report any
potential vulnerabilities they find to GE. 
Communicate as appropriate with customers about cyber security issues. Follow GE’s vulnerability disclosure
guidelines at integrity.ge.com. 
Contact the GE Cyberworks Team or your information security leader prior to participating in efforts to develop industry standards
around cyber security, or engaging an outside firm or individual to perform vulnerability testing. 
Limit access to GE information to authorized individuals who
need it for legitimate business purposes. 
Prevent unauthorized access, accidental loss, disclosure or destruction of GE information: 
• Secure physical copies and storage areas. 
• Use strong passwords; don’t share
your password with anyone. 
• Use only GE-approved systems and tools for storage, transmission and backup of GE information. Do not use personal email,
unapproved devices or software to conduct GE business. 
• When posting information online, do not disclose Personal Information, trade secrets, proprietary or
other commercially sensitive information. 
• Know the signs of phishing and recognize efforts to improperly acquire GE information. 
Consult with your privacy leader before implementing new or significantly modified processes that use Personal Information, including new software or code. 
i Be Aware 
Personal Information is any information relating to a directly or indirectly
identifiable person (or in some cases, a company); examples include name, address, email, phone, national identifier and credit card number. 
Also, Cyber
Security & Privacy incidents can happen in a number of ways. Report any risks or incidents at security.ge.com, including: 
Possible loss or theft of data,
including lost laptops and other computing equipment. 
Loss, misuse or improper access to data. 
Security issues involving a GE product or system. 
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CONTROLLERSHIP 
RULE TO
REMEMBER >> Be honest, complete and accurate in our accounting, communications and decision-making. 
OUR POLICY 
GE accounting and reporting will faithfully reflect the economic substance of the Company’s business activities, consistent with generally accepted accounting principles,
standards, and regulations for accounting and financial reporting. 
We will prepare timely, accurate and complete financial information for use in reports to
management, investors, regulators and other stakeholders. 
We will ensure that management decisions are based on sound economic analysis based on complete facts
with appropriate consideration of short- and long-term risks. 
We will comply with all Company policies and applicable laws and regulations relating to the
preservation of documents and records. 
YOUR ROLE 
Maintain effective processes
and internal controls that fairly reflect transactions or events, as well as prevent or detect inappropriate transactions. 
Protect GE’s physical, financial
and intellectual property assets. 
Maintain complete, accurate and timely records 
and accounts to appropriately reflect all business 
transactions. 
Create documents that are factual, accurate and complete, and follow Company policies in deciding when to retain and dispose of them. 
Avoid transactions that diminish share- owner value even if they enhance near-term financial performance. 
Never engage in inappropriate transactions, including those that misrepresent the reporting of other parties such as customers or suppliers. 
Seek the advice of your Controllership team if you become aware of a questionable transaction.

Be the voice of integrity 
Raise a concern if you become aware of actions,
transactions, accounting or reporting that are inconsistent with our controllership values and the protection of GE’s reputation. 
Red flags include:

Financial results that seem inconsistent with underlying performance.

Circumventing review and approval procedures. 
Incomplete or misleading
communications about the substance or reporting of a transaction. 
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CONFLICTS OF INTEREST

RULE TO REMEMBER >> Always make business decisions based on what is best for GE, never what is best for you personally. 
OUR POLICY 
You have a duty to ensure that nothing interferes with your ability to make all
business decisions in the best interest of GE. This means that nothing you do should interfere, or appear to interfere, with your responsibility for objective and unbiased decision-making on behalf of the Company. 
No activity at work or home should harm GE’s reputation or good name. 
You have a duty to
disclose if your personal or financial activities may interfere or have the potential of interfering with your allegiance toward the Company. 
Misusing GE resources
or influence is prohibited. Even when nothing wrong is intended, the perception of a conflict of interest may have negative effects. 
YOUR ROLE 
Obtain prior approval from your manager, HR and Company legal counsel before hiring, promoting or directly supervising a family member or close friend. 
Obtain prior approval before accepting officer or director positions with an outside business or not-for-profit organization. This excludes religious or school (non- University)
affiliations. 
Disclose financial interests you may have in a company where you could personally affect GE’s business with that company. 
Do not accept gifts other than those of nominal value from suppliers, customers or competitors.

Do not accept personal discounts or other benefits from suppliers or customers if they are not available to the general public or your GE peers. 
While incidental use may be acceptable, do not use GE resources, intellectual property, time or facilities for personal gain. Avoid any activity which creates the potential
perception of a conflict between your personal interests and the interests of GE. 
What You Should Know 
A conflict of interest is not necessarily a violation of GE policy; failing to promptly disclose a conflict is always a violation. 
Disclosing potential conflicts of interest allows your management team to mitigate risks which may influence your business decisions. You can access the COI disclosure tool at
integrity.ge.com. 
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INSIDER TRADING & STOCK TIPPING 
RULE TO REMEMBER >> GE employees are prohibited from using or disclosing material non-public information about GE or other companies. 
OUR POLICY 
Do not use or share material non-public information for financial or any other
personal benefit. 
YOUR ROLE 
• Never buy or sell the securities (such as
stocks, bonds or derivatives) of GE or any other company, either directly or through family members or other persons or entities, while you are aware of inside information that could make the price of those securities go up or down. 
• Do not recommend or suggest that anyone else buy or sell the securities of any company — including GE — while you have material inside information about that
company. 
• Only share material inside information on a need-to-know basis.

• Avoid trading GE securities around the time of a significant announcement. 
Avoid sharing material inside information with anyone outside GE unless it is necessary for GE’s business activities and proper controls are in place (such as a non-disclosure
agreement with a supplier). 
Do not serve as an independent consultant or expert outside of GE on business matters within the scope of your GE employment.

Refrain from discussing GE business with family and friends. 
Follow
additional requirements for the buying and selling of securities if required by the nature of your job or business (for example, employees who pre-clear personal trades through the Transaction Control Authority). 
What You Should Know 
Inside Information is information you may learn in your job about GE or
other companies that has not been made public. 
Using material inside information for your financial or other personal benefit, or sharing it with others, violates
GE’s insider trading policy and may violate the law. 
Inside information is material if a reasonable investor would consider it important in deciding to buy,
hold or sell securities, or if publication would likely affect a company’s stock price. Examples include: 
Financial forecasts. 
Earnings/dividend announcements. 
Proposed acquisitions or divestitures. 
Strategic plans. 
Regulatory actions. 
Changes in top management. 
Stock tipping means sharing inside information about GE or another
company — for example, to a relative, colleague, or friend — to enable the person to buy or sell stock or other securities of the company on the basis of such information. 
THE SPIRIT & THE LETTER 
GO TO INTEGRITY.GE.COM FOR DETAILED POLICY INFORMATION AND
RESOURCES 
20 







 



LOGO

 
 
KEY QUESTIONS OF INTEGRITY

The Spirit & The Letter is not a substitute for your good judgment, and it cannot cover every conceivable situation. You should be alert to signs that you
or your colleagues are in an integrity gray area and ask yourself three simple questions if you have any doubts about what you should do. 
01 >> 
02 >> 
03 >> 
How would this decision look to others within GE and externally? 
Am I willing to be held
accountable for this decision? 
Is this consistent with GE’s Code of Conduct? 
Remember: Act if you see an issue. Ask if you’re not sure. 







 



LOGO

 
 
General Electric Company

Fairfield Connecticut 06828 
GE 





EX-99.CERT
3
d176413dex99cert.htm
SECTION 302 CERTIFICATIONS


Section 302 Certifications

 

 
Exhibit 99.CERT 


SECTION 302 CERTIFICATIONS 


CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER 


I, Dmitri L. Stockton, certify that: 
 
 





1.
I have reviewed these reports on Form N-CSR for each Registrant (collectively “the Registrants”) listed in Appendix A; 
 
 





2.
Based on my knowledge, these reports for each Registrant do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period covered by these reports; 
 
 





3.
Based on my knowledge, the financial statements, and other financial information included in these reports for each Registrant, fairly present in all material respects the financial condition, results of operations,
changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of each Registrant as of, and for, the periods presented in these reports; 


 





4.
Each Registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and
internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for each Registrant and have: 
 
 





 
(a)
Designed such disclosure controls and procedures or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to each Registrant, including its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which these reports are being prepared; 
 
 





 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; 
 
 





 
(c)
Evaluated the effectiveness of each Registrant’s disclosure controls and procedures and presented in this report our conclusion about the effectiveness of the disclosure controls and procedures as of a date within
90 days prior to the filing date of this report based on such evaluation; and 
 
 





 
(d)
Disclosed in this report any change in each Registrant’s internal control over financial reporting that occurred during the second fiscal quarter of the period covered by this report that has materially affected,
or is reasonably likely to materially affect, each Registrant’s internal control over financial reporting; and 
 
 





5.
Each Registrant’s other certifying officer and I have disclosed, to each Registrant’s auditors and the audit committee of the Registrants’ board of directors (or persons performing the equivalent
functions): 
 
 





 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect each Registrant’s ability to record,
process, summarize, and report financial information; and 
 
 





 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in each Registrant’s internal controls over financial reporting. 


Date: February 18, 2016 
 
 













 
/s/ Dmitri L. Stockton



Dmitri L. Stockton



Trustee, President and Chief Executive Officer



GE Asset Management Incorporated









 
SECTION 302 CERTIFICATIONS 


CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER 


I, Arthur A. Jensen, certify that: 
 
 





1.
I have reviewed these reports on Form N-CSR for each Registrant (collectively “the Registrants”) listed in Appendix A; 
 
 





2.
Based on my knowledge, these reports for each Registrant do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period covered by these reports; 
 
 





3.
Based on my knowledge, the financial statements, and other financial information included in these reports for each Registrant, fairly present in all material respects the financial condition, results of operations,
changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of each Registrant as of, and for, the periods presented in these reports; 


 





4.
Each Registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and
internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for each Registrant and have: 
 
 





 
(a)
Designed such disclosure controls and procedures or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to each Registrant, including its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which these reports are being prepared; 
 
 





 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; 
 
 





 
(c)
Evaluated the effectiveness of each Registrant’s disclosure controls and procedures and presented in this report our conclusion about the effectiveness of the disclosure controls and procedures as of a date within
90 days prior to the filing date of this report based on such evaluation; and 
 
 





 
(d)
Disclosed in this report any change in each Registrant’s internal control over financial reporting that occurred during the second fiscal quarter of the period covered by this report that has materially affected,
or is reasonably likely to materially affect, each Registrant’s internal control over financial reporting; and 
 
 





5.
Each Registrant’s other certifying officer and I have disclosed, to each Registrant’s auditors and the audit committee of the Registrants’ board of directors (or persons performing the equivalent
functions): 
 
 





 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect each Registrant’s ability to record,
process, summarize, and report financial information; and 
 
 





 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in each Registrant’s internal controls over financial reporting. 


Date: February 18, 2016 
 
 













 
/s/ Arthur A. Jensen



Arthur A. Jensen



Treasurer, Elfun Funds









 
Appendix A 


Elfun International Equity Fund 
 
Elfun Trusts 


Elfun Diversified Fund 
 
Elfun Tax-Exempt Income Fund 


Elfun Income Fund 
 
Elfun Government Money Market Fund 





EX-99.906CERT
4
d176413dex99906cert.htm
SECTION 906 CERTIFICATIONS


Section 906 Certifications

 

 
Exhibit 99.906 CERT 


SECTION 906 CERTIFICATIONS 
 
In connection
with this report on Form N-CSR for each Registrant listed in Appendix A as furnished to the Securities and Exchange Commission (the “Reports”), the undersigned hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
that: 
 
 





1.
The Reports for each Registrant fully comply with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as applicable; and 


 





2.
The information contained in the Reports fairly presents, in all material respects, the financial condition and the results of operations of each Registrant. 


 















By:
 
 
/s/ Dmitri L. Stockton




 
Dmitri L. Stockton




 
Trustee, President and Chief Executive Officer




 
GE Asset Management Incorporated







Date: February 18, 2016








By:
 
 
/s/ Arthur A. Jensen




 
Arthur A. Jensen




 
Treasurer, Elfun Funds


 
Date: February 18, 2016 







 
Appendix A 


Elfun International Equity Fund 
 
Elfun Trusts 


Elfun Diversified Fund 
 
Elfun Tax-Exempt Income Fund 


Elfun Income Fund 
 
Elfun Government Money Market Fund 





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