Dating prospectus

Indexes are unmanaged and one cannot invest directly in an index.

dating prospectus-84

P/E Ratio The price to earnings ratio is a fundamental measure used to determine if an investment is valued appropriately.

Each holdings' P/E is the latest closing price divided by the latest 12 months' earnings per share.

Current performance may be lower or higher than the performance quoted, and numbers may reflect small variances due to rounding.

Standardized performance and performance data current to the most recent month end may be found in the Performance section.

S.-domiciled fund with at least a 3-year history, Morningstar calculates a Morningstar Rating TM 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.

(Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The Overall Morningstar Rating for a fund is derived from a weighted-average of the performance figures associated with its 3-, 5- and 10-year (if applicable) Morningstar Rating metrics.<br /><br /> Morningstar Ratings are for the share classes cited only; other classes may have different ratings.Past performance does not guarantee future results.The performance quoted represents past performance and does not guarantee future results.The inception date noted under Key Fund Facts is the date the class of shares was incepted. Indexes are unmanaged and one cannot invest directly in an index.Past performance does not guarantee future results."Index: 36% S& P 500, 24% FTSE World (ex.Morningstar Ratings are for the share classes cited only; other classes may have different ratings."Global Allocation Fund received a Morningstar Rating of 3 stars for the 3-year period, 3 stars for the 5-year period and 4 stars for the 10-year period, rated against 396, 325 and 153 World Allocation Funds, respectively.