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Past performance is no guarantee of future results. Diversification, asset allocation, and dollar cost averaging do not ensure a profit or guarantee against loss. Your actual investment return and principal value will fluctuate, so you may realize a gain or loss when shares are redeemed or sold.

The information provided here is for illustrative purposes only and does not represent actual or future performance of any investment option and is not intended to predict or project the investment performance of any security or index. Furthermore, the hypothetical performance shown or discussed here does not reflect the impact that material economic and market factors might have had on decision making if actual investor money had been managed. Before investing, you should consider investment objectives, risk, charges, and expenses.