Here is a closer look at what you get from a mutual fund investment:

• Access to investment opportunities around the world that are researched, purchased for the fund and monitored by knowledgeable investment professionals within a well-regulated environment.
• Proven investment management expertise from world-class professionals supported by a disciplined approach to investing.
• Performance potential, as professional managers work on your behalf to beat their benchmarks' returns over the long term.
• Cost efficiencies that allow you to invest in a sophisticated range of domestic and foreign securities and markets, easily and affordably.  It would be extremely costly, time-consuming and, in some cases, impossible for you to access a similar portfolio of investments on a stand alone basis.
• Flexibility in offering relatively low initial or monthly purchase amounts.
• Liquidity that allows you to readily redeem your shares at current prices (plus any fees and charges payable upon redemptions) at any time.
• Technology to provide you with timely, accurate reporting on your investments.