Before investing, carefully read the prospectus(es), or summary prospectus(es), which contain information about investment objectives, risks, charges, expenses and other information, all of which should be carefully considered before investing. For current prospectus(es) call (800) 223-7608. Investing involves risk. The mutual funds’ past performance is no guarantee of future results. The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price.

Asset allocation or the use of an investment advisor does not ensure a profit or guarantee against loss.

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