The fund seeks capital appreciation by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in companies located in developed countries world-wide (including the United States).

The team may also invest in emerging market countries.

In addition, the team prefers stocks of companies that have the potential to increase in value over time.

The research process is driven by fundamental analysis of one stock at a time.

The team emphasizes companies whose earnings and revenues are growing at an accelerating pace.

Also, the research team integrates environmental, social and governance factors as part of its process.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The portfolio holds between 30 and 50 companies.

The fund seeks capital appreciation by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in companies located in developed countries world-wide (including the United States).

The team may also invest in emerging market countries.

In addition, the team prefers stocks of companies that have the potential to increase in value over time.

The research process is driven by fundamental analysis of one stock at a time.

The team emphasizes companies whose earnings and revenues are growing at an accelerating pace.

Also, the research team integrates environmental, social and governance factors as part of its process.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The portfolio holds between 30 and 50 companies.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests significantly in issuers domiciled outside the United States.

The strategy seeks to invest in a mix of American Funds in different combinations and weightings.

The team seeks to create a combination of underlying funds that complement each other. Through its investments in the underlying funds, the fund will have significant exposure to growth-oriented common stocks.

As part of the process, the team considers the historical volatility and returns of the underlying funds and how various combinations would have behaved in past market environments.

The team also focuses on current market conditions and the investment positions of the underlying funds.

In addition, the team may also invest in growth-and-income funds.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may also have exposure to smaller capitalization issuers and issuers domiciled in emerging markets.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests significantly in issuers domiciled outside the United States.

The strategy seeks to invest in a mix of American Funds in different combinations and weightings.

The team seeks to create a combination of underlying funds that complement each other. Through its investments in the underlying funds, the fund will have significant exposure to growth-oriented common stocks.

As part of the process, the team considers the historical volatility and returns of the underlying funds and how various combinations would have behaved in past market environments.

The team also focuses on current market conditions and the investment positions of the underlying funds.

In addition, the team may also invest in growth-and-income funds.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may also have exposure to smaller capitalization issuers and issuers domiciled in emerging markets.

The fund seeks capital appreciation in the long term by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests significantly in issuers domiciled outside the United States.

The strategy seeks to invest in a mix of American Funds in different combinations and weightings.

The team seeks to create a combination of underlying funds that complement each other. Through its investments in the underlying funds, the fund will have significant exposure to growth-oriented common stocks.

As part of the process, the team considers the historical volatility and returns of the underlying funds and how various combinations would have behaved in past market environments.

The team also focuses on current market conditions and the investment positions of the underlying funds.

In addition, the team may also invest in growth-and-income funds.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund may also have exposure to smaller capitalization issuers and issuers domiciled in emerging markets.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of issuers from a variety of countries, including those in emerging markets.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund allocates a substantial amount of its net assets in securities of foreign government issuers, or of issuers organized or located outside the United States, or of issuers which primarily trade in a market located outside the United States, or of issuers doing a substantial amount of business outside the United States.

Additionally, the fund will allocate its assets among various regions and countries, including the United States (but in no fewer than three different countries).

The fund may also invest in securities issued by emerging growth companies that demonstrate the potential for earnings growth over an extended period of time.

From time to time, the fund may invest in shares of companies through new issues or initial public offerings.

Additionally, the fund may utilize derivatives, including options, futures, swaps and forward contracts, both to seek to increase the return of the fund and to hedge the value of its assets against adverse movements in currency exchange rates, interest rates and movements in the securities markets.

The fund seeks total return by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

The process employs a fund of funds strategy.

Next, the research team invests in open-end funds (commonly referred to as mutual funds), closed-end funds, and exchange-traded funds (collectively, the Underlying Funds).

The team generally categorizes each Underlying Fund as an equity, fixed-income, or alternative fund based on its investment profile.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund typically allocates its assets among Underlying Funds, and within a pre-determined percentage range for its assets in equity funds.

The fund generally invests between 85% and 100% of its assets inequity funds. Such funds invest in equity securities of domestic and foreign companies, including small, medium and large market capitalization companies, and growth and value stocks.

Foreign equities are securities of issuers outside of the United States, including issuers in emerging or developing markets.

Underlying Funds also invest in real estate securities, listed infrastructure securities, and master limited partnerships.

The fund generally invests the remainder of its assets in a flexible combination of fixed-income and alternative funds.

Fixed-income funds generally invest in fixed income instruments such as investment-grade debt securities, below-investment-grade high yield securities, government and government-sponsored securities, corporate bonds, securitized products, and inflation-protected debt securities.

Alternative funds generally offer unique combinations of traditional equity securities and fixed-income securities or use alternative investment strategies, including primarily through the use of derivatives.

The fund may invest directly in derivatives to hedge its cash position and manage the duration of the fund’s portfolio, including but not limited to futures, total return swaps, and forward contracts.

In addition, the Fund will gain exposure to derivatives through its investments in Underlying Funds

The fund may hold a portion of its assets in cash, money market securities or other similar, liquid investments.

The fund seeks to grow capital through investing in large-size companies around the world including the U.S.

The fund is sub-advised by Epoch Investment Partners, Inc with a focus on locating stocks with attractive positive growth in operating cash flow.

The investment process relies on free cash flow analysis. The research team focuses on companies with positive and growing free cash flow and reinvestment track record of management. The process favors companies with high return on capital, dominant market leadership and strong financial position.

The diversified fund holds between 110 and 135 stocks and allocates about 15% of capital to top 10 holdings.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in U.S. and foreign equity securities, including emerging market equity securities.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team focuses on companies exhibiting above average earnings growth potential relative to its peers.

The team favors well-run businesses poised for growth in the U.S., international and emerging markets.

Additionally, the team focuses on companies with excellent fundamentals and superior management teams.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

In addition, the fund invests its net assets across different industries, sectors, countries, and regions, but may invest a significant percentage of its net assets in issuers in a single industry, sector, country, or region.

However, the fund invests its net assets in at least three different countries.

The fund seeks capital appreciation by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in U.S. and foreign equity securities, including emerging market equity securities.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team focuses on companies exhibiting above average earnings growth potential relative to its peers.

The team favors well-run businesses poised for growth in the U.S., international and emerging markets.

Additionally, the team focuses on companies with excellent fundamentals and superior management teams.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

In addition, the fund invests its net assets across different industries, sectors, countries, and regions, but may invest a significant percentage of its net assets in issuers in a single industry, sector, country, or region.

However, the fund invests its net assets in at least three different countries.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in equity securities, which may include common stocks, preferred stocks, depositary receipts and real estate investment trusts.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team employs a thematic approach to identify companies that offer solutions to major global changes taking place.

These changes include demographics, such as an aging population, environmental issues, such as water scarcity, technological advances, such as cloud computing, and governance changes, such as the growing importance of corporate responsibility.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The portfolio holds approximately 50 stocks.

The fund invests in securities of companies located in no fewer than three countries, which may include the U.S.

Also, the fund will invest at least 40% of its net assets in securities of companies located outside the U.S.

In addition, the fund may invest up to 25% of its net assets in securities of companies located in emerging markets.

Emerging markets are economies that are not generally recognized to be fully developed markets, as measured by gross national income, financial market infrastructure, market capitalization and/or other factors.

The fund may invest in growth and value companies and may also invest in initial public offerings.

Furthermore, the fund seeks to invest in companies with a positive impact on the United Nations’ Sustainable Development Goals.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in equity securities, which may include common stocks, preferred stocks, depositary receipts and real estate investment trusts.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team employs a thematic approach to identify companies that offer solutions to major global changes taking place.

These changes include demographics, such as an aging population, environmental issues, such as water scarcity, technological advances, such as cloud computing, and governance changes, such as the growing importance of corporate responsibility.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The portfolio holds approximately 50 stocks.

The fund invests in securities of companies located in no fewer than three countries, which may include the U.S.

Also, the fund will invest at least 40% of its net assets in securities of companies located outside the U.S.

In addition, the fund may invest up to 25% of its net assets in securities of companies located in emerging markets.

Emerging markets are economies that are not generally recognized to be fully developed markets, as measured by gross national income, financial market infrastructure, market capitalization and/or other factors.

The fund may invest in growth and value companies and may also invest in initial public offerings.

Furthermore, the fund seeks to invest in companies with a positive impact on the United Nations’ Sustainable Development Goals.

The fund seeks capital appreciation in the long term by investing in companies across any size outside the United States.

The sub-adviser’s investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of issuers located throughout the world, including both developed and emerging markets.

The team then assesses a company’s business model, opportunity to take market share, access to growing end-markets, strength of management team, and fundamental valuation.

Also, the research team integrates environmental, social and governance factors as part of its process.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

Additionally, the fund diversifies its investments among a number of different countries throughout the world, including both developed and emerging markets.

The fund may invest under 40% of its net assets in the securities of issuers located outside of the United States, provided that the fund will not invest less than 30% of its net assets in such securities except for temporary defensive purposes.

The fund will normally invest in securities of companies domiciled in at least three countries (one of which may be the United States).

The fund seeks capital appreciation by investing in companies outside the United States.

The investment process starts with a list of companies in the benchmark index and the research team utilizes quantitative techniques and fundamental analysis to identify investment opportunities.

Next, the research team invests in securities of both foreign (including emerging markets) and domestic issuers.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team focuses on a company’s valuation, price and earnings momentum, and earnings quality,

Additionally, the team considers factors such as an issuer's earnings, cash flows, competitive position, and management ability.

Also, the research team integrates environmental, social and governance factors as part of its process.

Then the manager constructs a portfolio of stocks from a list of companies favored by the research team and allocates capital based on its conviction level.

The fund invests at least 40% of its net assets (or 30% of its net assets if conditions are not deemed favorable) in foreign securities.

Also, the fund invests its net assets in investments that are tied economically to a number of countries throughout the world.

A significant portion of the fund's net assets are in the securities of issuers organized or located outside the United States, whose primary listing exchange for securities is located outside the United States, or whose largest amount of revenues or profits are derived from countries outside the United States.

In addition, the fund's investments will be diversified in at least three countries, one of which is the United States, and may include developed and emerging market countries.

The fund may invest a significant percentage of its net assets in securities of issuers in a single country, a small number of countries, or a particular geographic region.