Past results are not predictive of results in future periods.
Investing outside the United States involves risks, such as currency fluctuations, periods of illiquidity and price volatility, as more fully described in the prospectus. These risks may be heightened in connection with investments in developing countries.
The market indexes are unmanaged and, therefore, have no expenses. Investors cannot invest directly in an index.
MSCI ACWI ex USA Index is a free float-adjusted market capitalization-weighted index that is designed to measure equity market results in the global developed and emerging markets, excluding the United States.
MSCI EAFE (Europe, Australasia, Far East) Index is a free float-adjusted market capitalization-weighted index designed to measure developed equity market results, excluding the United States and Canada.
MSCI Emerging Markets Index captures large- and mid-cap representation across 27 emerging markets (EM) countries.
S&P 500 Index is a market capitalization-weighted index based on the results of approximately 500 widely held common stocks.
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