Buying Tips

Match Fund Objectives to your Needs

• Understand your risk profile and investment goals
• Understand the funds investment choices/objectives (i.e. industry specific, socially responsible, etc.) and limitations (i.e., mutual funds may not be best choice for investors close to retirement age, etc.)
• Market volatility may be greater with Non-US investing funds.

Investment professionals are compensated for the services and support they provide investors, generally through a sales commission, or through 12b-1 and/ or services fees deducted from the fund's assets.

Diret-marketed funds typically offer fund shares with a low sales charge or non at all. Funds that do not charge a front end or deferred sales charge are called "no-Load" funds. Other fees aor expenses may apply.