Scenario: A classroom case asks which fund has the best fit when the investor wants real estate securities, accepts interest-rate risk, and already has broad stock and bond funds elsewhere. Prospectus summary: Fund Aster Dividend Equity Fund: objective current income and growth from dividend-paying stocks; benchmark S&P 500 Value Index; principal risk medium-high equity risk; expense ratio 0.39%; prospectus detail yield focus; 120 holdings; 5-year annualized return 8.1% versus benchmark 8.4%; turnover 22% | Fund Terrace Real Estate Securities Fund: objective income and growth from publicly traded REITs; benchmark FTSE Nareit All Equity REITs Index; principal risk high real estate and interest-rate risk; expense ratio 0.33%; prospectus detail 155 REIT holdings; 5-year annualized return 6.8% versus benchmark 6.7%; sector allocation 100% real estate | Fund Oak Core Bond Index Fund: objective broad U.S. investment-grade bond exposure; benchmark Bloomberg U.S. Aggregate Bond Index; principal risk moderate interest-rate and credit risk; expense ratio 0.05%; prospectus detail duration 6.1 years; 69% government or agency debt; tracks benchmark within 0.08% annually | Fund Timber Global Equity Index Fund: objective track global stocks in U.S. and non-U.S. markets; benchmark MSCI ACWI Index; principal risk high global equity risk; expense ratio 0.12%; prospectus detail 2,800 holdings; 61% U.S. stocks and 39% non-U.S. stocks; no country may exceed index weight by policy. Which choice uses the prospectus information most appropriately?