SUPPLEMENT dated January 5, 2000
to the PROSPECTUS dated May 1, 1999 of
TOMORROW FUNDS RETIREMENT TRUST
Tomorrow Long-Term Retirement Fund
Tomorrow Medium-Term Retirement Fund
Tomorrow Short-Term Retirement Fund
-----------------------------------------------------
On page 2, under the section captioned "Current Strategic Asset
Allocation," the pie chart titled "Long-Term Fund" is revised to reflect the
following allocations:
Large Capitalization 42.0%
Medium Capitalization 14.0%
Small Capitalization 14.0%
Fixed Income 25.0%
Foreign 5.0%
