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 issued by companies located throughout the world (including the U.S.), and also invests significantly in non-U.S. companies.

According to the team, a company is considered to be a non-U.S. company if the company is organized under the laws of or has its principal office in a country outside the U.S., or has its principal securities trading market in a country outside the U.S.

Also, the team considers a company to be a non-U.S. company if the company derives the majority of its annual revenue or earnings or assets from goods produced, sales made or services performed in a country outside the U.S.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to evaluate companies on the basis of quality and price.

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 in securities from at least three different countries, and may also invest in companies of emerging market countries.

At times, the fund may have a significant amount of its net assets invested in a country or geographic region.

In addition, the fund may invest in securities of any market sector and may hold a significant amount of securities of companies, from time to time, within a single sector.

The fund may invest in securities denominated in U.S. dollars and the currencies of the foreign countries in which it is permitted to invest.

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 issued by companies located throughout the world (including the U.S.), and also invests significantly in non-U.S. companies.

According to the team, a company is considered to be a non-U.S. company if the company is organized under the laws of or has its principal office in a country outside the U.S., or has its principal securities trading market in a country outside the U.S.

Also, the team considers a company to be a non-U.S. company if the company derives the majority of its annual revenue or earnings or assets from goods produced, sales made or services performed in a country outside the U.S.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to evaluate companies on the basis of quality and price.

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 in securities from at least three different countries, and may also invest in companies of emerging market countries.

At times, the fund may have a significant amount of its net assets invested in a country or geographic region.

In addition, the fund may invest in securities of any market sector and may hold a significant amount of securities of companies, from time to time, within a single sector.

The fund may invest in securities denominated in U.S. dollars and the currencies of the foreign countries in which it is permitted to invest.

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 issued by companies located throughout the world (including the U.S.), and also invests significantly in non-U.S. companies.

According to the team, a company is considered to be a non-U.S. company if the company is organized under the laws of or has its principal office in a country outside the U.S., or has its principal securities trading market in a country outside the U.S.

Also, the team considers a company to be a non-U.S. company if the company derives the majority of its annual revenue or earnings or assets from goods produced, sales made or services performed in a country outside the U.S.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to evaluate companies on the basis of quality and price.

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 in securities from at least three different countries, and may also invest in companies of emerging market countries.

At times, the fund may have a significant amount of its net assets invested in a country or geographic region.

In addition, the fund may invest in securities of any market sector and may hold a significant amount of securities of companies, from time to time, within a single sector.

The fund may invest in securities denominated in U.S. dollars and the currencies of the foreign countries in which it is permitted to invest.

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 issued by companies located throughout the world (including the U.S.), and also invests significantly in non-U.S. companies.

According to the team, a company is considered to be a non-U.S. company if the company is organized under the laws of or has its principal office in a country outside the U.S., or has its principal securities trading market in a country outside the U.S.

Also, the team considers a company to be a non-U.S. company if the company derives the majority of its annual revenue or earnings or assets from goods produced, sales made or services performed in a country outside the U.S.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to evaluate companies on the basis of quality and price.

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 in securities from at least three different countries, and may also invest in companies of emerging market countries.

At times, the fund may have a significant amount of its net assets invested in a country or geographic region.

In addition, the fund may invest in securities of any market sector and may hold a significant amount of securities of companies, from time to time, within a single sector.

The fund may invest in securities denominated in U.S. dollars and the currencies of the foreign countries in which it is permitted to invest.

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 issued by companies located throughout the world (including the U.S.), and also invests significantly in non-U.S. companies.

According to the team, a company is considered to be a non-U.S. company if the company is organized under the laws of or has its principal office in a country outside the U.S., or has its principal securities trading market in a country outside the U.S.

Also, the team considers a company to be a non-U.S. company if the company derives the majority of its annual revenue or earnings or assets from goods produced, sales made or services performed in a country outside the U.S.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to evaluate companies on the basis of quality and price.

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 in securities from at least three different countries, and may also invest in companies of emerging market countries.

At times, the fund may have a significant amount of its net assets invested in a country or geographic region.

In addition, the fund may invest in securities of any market sector and may hold a significant amount of securities of companies, from time to time, within a single sector.

The fund may invest in securities denominated in U.S. dollars and the currencies of the foreign countries in which it is permitted to invest.

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 at least 40% of the fund’s net assets in securities located outside the United States and is diversified among at least three countries.

In determining where a company is located, the team relies on the country where the company is incorporated, but also may consider the country where the company’s revenues are derived and the primary market listing for the class of shares to be purchased.

The team relies on proprietary analytical tools to seek low volatility companies that are estimated to trade below their fair values.

Next, the team ranks stocks based on estimated risk/return.

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 may invest up to 20% of its net assets in companies located in countries not represented in the Index.

The fund may at times focus its investments in one or more sectors.

From time to time, the fund maintains a portion of its net assets in cash.

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 at least 40% of the fund’s net assets in securities located outside the United States and is diversified among at least three countries.

In determining where a company is located, the team relies on the country where the company is incorporated, but also may consider the country where the company’s revenues are derived and the primary market listing for the class of shares to be purchased.

The team relies on proprietary analytical tools to seek low volatility companies that are estimated to trade below their fair values.

Next, the team ranks stocks based on estimated risk/return.

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 may invest up to 20% of its net assets in companies located in countries not represented in the Index.

The fund may at times focus its investments in one or more sectors.

From time to time, the fund maintains a portion of its net assets in cash.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

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

The fund prefers a multi-manager investing approach to manage its assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers.

The strategy has the flexibility to seek growth and income opportunities around the world.

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 domiciled outside the United States, including those based in developing countries.

The team favors well-established companies located around the world that have the potential to pay dividends.

In addition, the team prefers attractively valued companies that represent good, long-term investment opportunities.

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, on a global basis, in stocks that are denominated in U.S. dollars or other currencies.

The fund seeks to invest in companies around the world including the United States that are estimated to be mispriced.

The investment process is focused on screening companies that meet certain financial strength, valuation and business fundamentals based criteria and then narrowing down the list to learn how the company creates value. The selected companies are monitored for quarterly performance and investor sentiment.

The fund generally invests in companies with market cap of more than $25 billion.

About one third of the fund’s assets are invested in the U.S. and France, Japan and Switzerland account for another one third. Moreover, the manager allocated nearly half of the fund’s assets in consumer staples sector including food, beverage and personal products makers that are not affected by business cycles.

The fund seeks to invest in companies around the world including the United States that are estimated to be mispriced.

The investment process is focused on screening companies that meet certain financial strength, valuation and business fundamentals based criteria and then narrowing down the list to learn how the company creates value. The selected companies are monitored for quarterly performance and investor sentiment.

The fund generally invests in companies with market cap of more than $25 billion.

About one third of the fund’s assets are invested in the U.S. and France, Japan and Switzerland account for another one third. Moreover, the manager allocated nearly half of the fund’s assets in consumer staples sector including food, beverage and personal products makers that are not affected by business cycles.

The fund seeks to invest in companies around the world including the United States that are estimated to be mispriced.

The investment process is focused on screening companies that meet certain financial strength, valuation and business fundamentals based criteria and then narrowing down the list to learn how the company creates value. The selected companies are monitored for quarterly performance and investor sentiment.

The fund generally invests in companies with market cap of more than $25 billion.

About one third of the fund’s assets are invested in the U.S. and France, Japan and Switzerland account for another one third. Moreover, the manager allocated nearly half of the fund’s assets in consumer staples sector including food, beverage and personal products makers that are not affected by business cycles.

The fund seeks to invest in companies around the world including the United States that are estimated to be mispriced.

The investment process is focused on screening companies that meet certain financial strength, valuation and business fundamentals based criteria and then narrowing down the list to learn how the company creates value. The selected companies are monitored for quarterly performance and investor sentiment.

The fund generally invests in companies with market cap of more than $25 billion.

About one third of the fund’s assets are invested in the U.S. and France, Japan and Switzerland account for another one third. Moreover, the manager allocated nearly half of the fund’s assets in consumer staples sector including food, beverage and personal products makers that are not affected by business cycles.

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

The fund prefers a multi-manager investing approach with the aim of reducing volatility and downside risk.

The fund manages assets with the help of two sub-advisers namely Dimensional Fund Advisors Ltd. and DFA Australia Limited.

The sub-advisers’ 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, which means the Portfolio generally allocates its assets among other mutual funds managed by Dimensional Fund Advisors LP.

The Underlying Funds are U.S. Core Equity 1 Portfolio, U.S. Large Company Portfolio, U.S. Large Cap Equity Portfolio, International Core Equity Portfolio, Large Cap International Portfolio, and Emerging Markets Core Equity Portfolio.

Next, the research team focuses on securities of both U.S. companies and non-U.S. companies associated with countries with developed and emerging markets, including frontier markets (emerging markets in an earlier stage of development)

The team seeks to buy shares of the Underlying 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.

Also, the fund and Underlying Funds may lend their portfolio securities to generate additional income.

The fund and each Underlying Fund may invest in exchange-traded funds for the purposes of gaining exposure to the equity markets, while maintaining liquidity.

In addition to money market instruments and other short-term investments, the fund and each Underlying Fund may invest in affiliated and unaffiliated registered and unregistered money market funds.

The fund seeks total return including dividend by investing in companies in the U.S. and developed international markets.

The sub-advisor’s investment process is driven by fundamental research and quantitative analysis of one company at a time. The research team screens financial statements of companies in the regions that meet broad revenue and earnings growth and trends criteria.

The team then narrows the list with the help of detailed fundamental analysis of growth drivers, business model and long term sustainability of earnings.

The team favors established companies with a proven track record of earnings and a clarity on growth outlook with stocks trading at reasonable prices.

The fund seeks total return including dividend by investing in companies in the U.S. and developed international markets.

The sub-advisor’s investment process is driven by fundamental research and quantitative analysis of one company at a time. The research team screens financial statements of companies in the regions that meet broad revenue and earnings growth and trends criteria.

The team then narrows the list with the help of detailed fundamental analysis of growth drivers, business model and long term sustainability of earnings.

The team favors established companies with a proven track record of earnings and a clarity on growth outlook with stocks trading at reasonable prices.

The fund seeks total return including dividend by investing in companies in the U.S. and developed international markets.

The sub-advisor’s investment process is driven by fundamental research and quantitative analysis of one company at a time. The research team screens financial statements of companies in the regions that meet broad revenue and earnings growth and trends criteria.

The team then narrows the list with the help of detailed fundamental analysis of growth drivers, business model and long term sustainability of earnings.

The team favors established companies with a proven track record of earnings and a clarity on growth outlook with stocks trading at reasonable prices.

The fund seeks total return including dividend by investing in companies in the U.S. and developed international markets.

The sub-advisor’s investment process is driven by fundamental research and quantitative analysis of one company at a time. The research team screens financial statements of companies in the regions that meet broad revenue and earnings growth and trends criteria.

The team then narrows the list with the help of detailed fundamental analysis of growth drivers, business model and long term sustainability of earnings.

The team favors established companies with a proven track record of earnings and a clarity on growth outlook with stocks trading at reasonable prices.

The fund seeks to appreciate capital in the long-term through investing in companies around the world including the U.S.

The investment process is driven by starting with a list of companies that are high in quality or improving in quality through financial screens. The research team then looks at discovering companies with high return on capital, sustainable competitive advantage and strong business franchise but stocks not reflecting full long term value in market price. With strict buy and sell discipline the fund dampens the performance volatility in down markets.

The fund holds between 25 and 40 stocks and top 10 holdings account for 35% of total assets. Geographically the fund is diversified and the U.S. accounts for 55% of assets and the U.K., France, Japan and the Netherlands account for additional 25%.

The fund seeks to generate total return through investing in stocks, exchange traded notes and funds or real estate trusts around the world including the U.S.

The fund is sub-advised by Richard Bernstein Advisors LLC with a focus on global macro-analysis driven asset allocation.

The investment process is focused on identifying markets, sectors and companies that are likely to deliver positive returns based on the macro-economic conditions. The process also avoids or deemphasizes those investible units when economic conditions warrant. The process relies on several factors including yield curve, profit cycles, money flows and style and sector rotations.

The portfolio is monitored on a daily basis to ensure exposure to the desired market segments and balance with risk parameters. The fund is broadly diversified fund across geographic regions, growth and value investment styles and all market capitalizations.

The fund seeks to generate total return through investing in stocks, exchange traded notes and funds or real estate trusts around the world including the U.S.

The fund is sub-advised by Richard Bernstein Advisors LLC with a focus on global macro-analysis driven asset allocation.

The investment process is focused on identifying markets, sectors and companies that are likely to deliver positive returns based on the macro-economic conditions. The process also avoids or deemphasizes those investible units when economic conditions warrant. The process relies on several factors including yield curve, profit cycles, money flows and style and sector rotations.

The portfolio is monitored on a daily basis to ensure exposure to the desired market segments and balance with risk parameters. The fund is broadly diversified fund across geographic regions, growth and value investment styles and all market capitalizations.

The fund seeks to generate total return through investing in stocks, exchange traded notes and funds or real estate trusts around the world including the U.S.

The fund is sub-advised by Richard Bernstein Advisors LLC with a focus on global macro-analysis driven asset allocation.

The investment process is focused on identifying markets, sectors and companies that are likely to deliver positive returns based on the macro-economic conditions. The process also avoids or deemphasizes those investible units when economic conditions warrant. The process relies on several factors including yield curve, profit cycles, money flows and style and sector rotations.

The portfolio is monitored on a daily basis to ensure exposure to the desired market segments and balance with risk parameters. The fund is broadly diversified fund across geographic regions, growth and value investment styles and all market capitalizations.

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 underappreciated companies that are lagging in market price and not yet recognized by investors.

In addition, the team evaluates a company’s financial condition and industry position, as well as market and economic conditions.

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 manager invests in domestic and foreign issuers.

The fund has the flexibility to invest in either growth or value stocks or both.

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 a portfolio of global equities.

Generally, the team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

The team also considers companies that have their securities traded on non-U.S. exchanges or that have securities that trade in the form of depositary receipts, or companies that have been formed under the laws of non-U.S. countries.

The investment team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside of the U.S.

However, if market conditions are not deemed favorable, the team may limit the fund’s investments outside the U.S. to 30% of its net assets.

The team favors companies with growth potential that are trading at attractive valuations.

In addition, the team also looks for companies that have a durable competitive advantage in an industry with high barriers to entry.

Also, the team prefers companies having superior management teams with sound corporate governance, a track record of durable profit margins, and balance sheet strength with low leverage.

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

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 focused portfolio generally holds 15 to 30 select companies.

From time to time, the fund may focus its foreign investments in Europe.

The fund is non-diversified which means that it may invest a greater amount of its assets in the securities of a single issuer or a small number of issuers than a diversified fund.

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 a portfolio of global equities.

Generally, the team invests at least 40% of the fund’s net assets in companies that maintain their principal place of business or conduct their principal business activities outside the U.S.

The team also considers companies that have their securities traded on non-U.S. exchanges or that have securities that trade in the form of depositary receipts, or companies that have been formed under the laws of non-U.S. countries.

The investment team considers a company to conduct its principal business activities outside the U.S. if it derives at least 50% of its revenue or profits from business outside the U.S. or has at least 50% of its sales or assets outside of the U.S.

However, if market conditions are not deemed favorable, the team may limit the fund’s investments outside the U.S. to 30% of its net assets.

The team favors companies with growth potential that are trading at attractive valuations.

In addition, the team also looks for companies that have a durable competitive advantage in an industry with high barriers to entry.

Also, the team prefers companies having superior management teams with sound corporate governance, a track record of durable profit margins, and balance sheet strength with low leverage.

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

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 focused portfolio generally holds 15 to 30 select companies.

From time to time, the fund may focus its foreign investments in Europe.

The fund is non-diversified which means that it may invest a greater amount of its assets in the securities of a single issuer or a small number of issuers than a diversified fund.

The fund seeks capital appreciation by investing in companies 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 publicly-traded equity securities issued by U.S. and non-U.S. companies.

In selecting securities for the portfolio, the team favors high-quality companies that are trading at attractive prices.

As part of the process, the team also integrates an in-depth macroeconomic overview in order to manage risk.

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 20 and 40 companies.

Additionally, the fund may have significant investments in the technology sector.

Also, the fund will allocate its assets among issuers located in at least three different countries.

In addition, the fund will invest at least 40% of its net assets in non-U.S. companies, however, if the manager deems market conditions to be unfavorable the fund will invest 30% of its net assets in non-U.S. companies.

With respect to its non-U.S. investments, the fund invests in companies located in developed countries but may also invest in emerging markets.

The fund will typically hold up to 20% of its net assets in cash and cash equivalents.

Also, the fund will invest in common stocks, American Depositary Receipts, Global Depositary Receipts and Real Estate Investment Trusts.

The fund seeks capital appreciation by investing in companies 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 publicly-traded equity securities issued by U.S. and non-U.S. companies.

In selecting securities for the portfolio, the team favors high-quality companies that are trading at attractive prices.

As part of the process, the team also integrates an in-depth macroeconomic overview in order to manage risk.

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 20 and 40 companies.

Additionally, the fund may have significant investments in the technology sector.

Also, the fund will allocate its assets among issuers located in at least three different countries.

In addition, the fund will invest at least 40% of its net assets in non-U.S. companies, however, if the manager deems market conditions to be unfavorable the fund will invest 30% of its net assets in non-U.S. companies.

With respect to its non-U.S. investments, the fund invests in companies located in developed countries but may also invest in emerging markets.

The fund will typically hold up to 20% of its net assets in cash and cash equivalents.

Also, the fund will invest in common stocks, American Depositary Receipts, Global Depositary Receipts and Real Estate Investment Trusts.

The fund seeks capital appreciation by investing in companies 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 publicly-traded equity securities issued by U.S. and non-U.S. companies.

In selecting securities for the portfolio, the team favors high-quality companies that are trading at attractive prices.

As part of the process, the team also integrates an in-depth macroeconomic overview in order to manage risk.

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 20 and 40 companies.

Additionally, the fund may have significant investments in the technology sector.

Also, the fund will allocate its assets among issuers located in at least three different countries.

In addition, the fund will invest at least 40% of its net assets in non-U.S. companies, however, if the manager deems market conditions to be unfavorable the fund will invest 30% of its net assets in non-U.S. companies.

With respect to its non-U.S. investments, the fund invests in companies located in developed countries but may also invest in emerging markets.

The fund will typically hold up to 20% of its net assets in cash and cash equivalents.

Also, the fund will invest in common stocks, American Depositary Receipts, Global Depositary Receipts and Real Estate Investment Trusts.

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.

The process employs a fund of funds strategy, which means the fund invests in mutual funds and ETFs (Underlying Funds).

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

Next, the research team invests in sustainable impact investments.

Sustainable impact investments are Underlying Funds that self-identify as socially responsible impact funds or environmental, social and governance funds, and Underlying Funds that have a better-than-average Portfolio Sustainability Rating.

Then the team employs a performance-and risk-based ranking system to Underlying Funds and selects investments for the fund based on these rankings.

Next, the team ranks Underlying Funds by recent returns and invests in top performers.

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 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 US and non-US companies.

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 volatility management.

In addition, the team reviews financial statements to identify high-quality companies with durable operating performance.

Also, the team utilizes a quantitative approach which involves initial screening, risk assessment and evaluation of each company relative to its global peers.

Now the team focuses on securities of developed market companies that exhibit attractive risk-to-return characteristics to create a low volatility portfolio

 In addition, the research team evaluates each company daily on the basis of four independent measures: such as growth, value, sentiment and quality.

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 manager seeks to generate attractive risk-adjusted equity returns while lowering portfolio volatility.

Additionally, the fund may invest in exchange-traded open-end management investment companies, generally those that pursue a passive index-based strategy.

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 US and non-US companies.

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 volatility management.

In addition, the team reviews financial statements to identify high-quality companies with durable operating performance.

Also, the team utilizes a quantitative approach which involves initial screening, risk assessment and evaluation of each company relative to its global peers.

Now the team focuses on securities of developed market companies that exhibit attractive risk-to-return characteristics to create a low volatility portfolio

 In addition, the research team evaluates each company daily on the basis of four independent measures: such as growth, value, sentiment and quality.

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 manager seeks to generate attractive risk-adjusted equity returns while lowering portfolio volatility.

Additionally, the fund may invest in exchange-traded open-end management investment companies, generally those that pursue a passive index-based strategy.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

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 equity securities which include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer.

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.

Also, the team favors companies that are estimated to trade below their fair values.

The team is not constrained by any particular investment style and therefore, has the flexibility to invest in a combination of growth and value companies.

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 its net assets in U.S. and foreign securities, including emerging market securities.

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

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.

Additionally, the fund invests primarily in large-cap companies, even though it has the flexibility to invest across market capitalizations.

The fund seeks to invest around the world in large cap companies with above average earnings growth.

The disciplined investment approach looks for companies with competitive advantages, strong balance sheet and generating double-digit earnings growth. The fund also requires companies to generate sustainable return on capital of at least 20% a year.

The concentrated portfolio of high conviction names is managed with portfolio turnover of less than 20%. Fund allocates about 60% its investment in North America, 25% in Europe and 14% in Asia Pacific excluding Japan.  

Top 10 holdings in the fund account for about 55% of total assets.

The fund seeks to invest around the world in large cap companies with above average earnings growth.

The disciplined investment approach looks for companies with competitive advantages, strong balance sheet and generating double-digit earnings growth. The fund also requires companies to generate sustainable return on capital of at least 20% a year.

The concentrated portfolio of high conviction names is managed with portfolio turnover of less than 20%. Fund allocates about 60% its investment in North America, 25% in Europe and 14% in Asia Pacific excluding Japan.  

Top 10 holdings in the fund account for about 55% of total assets.

The fund seeks capital appreciation in the long term by investing in small-and mid-size 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 companies located anywhere in the world, including developing markets.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to focus on the market price of a company’s securities relative to its long-term earnings, asset value and cash flow potential.

In addition, the team considers a company’s valuation multiple such as earnings and cash flow, as well as profit margins and liquidation value.

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 will invest in issuers located in at least three different countries (including the U.S.).

From time to time, based on economic conditions, the fund may have significant positions in particular regions, countries or sectors.

The fund seeks capital appreciation in the long term by investing in small-and mid-size 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 companies located anywhere in the world, including developing markets.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to focus on the market price of a company’s securities relative to its long-term earnings, asset value and cash flow potential.

In addition, the team considers a company’s valuation multiple such as earnings and cash flow, as well as profit margins and liquidation value.

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 will invest in issuers located in at least three different countries (including the U.S.).

From time to time, based on economic conditions, the fund may have significant positions in particular regions, countries or sectors.

The fund seeks capital appreciation in the long term by investing in small-and mid-size 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 companies located anywhere in the world, including developing markets.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to focus on the market price of a company’s securities relative to its long-term earnings, asset value and cash flow potential.

In addition, the team considers a company’s valuation multiple such as earnings and cash flow, as well as profit margins and liquidation value.

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 will invest in issuers located in at least three different countries (including the U.S.).

From time to time, based on economic conditions, the fund may have significant positions in particular regions, countries or sectors.

The fund seeks capital appreciation in the long term by investing in small-and mid-size 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 companies located anywhere in the world, including developing markets.

The research process is driven by fundamental analysis of one stock at a time. In selecting securities for the portfolio, the research team relies on fundamental analysis to focus on the market price of a company’s securities relative to its long-term earnings, asset value and cash flow potential.

In addition, the team considers a company’s valuation multiple such as earnings and cash flow, as well as profit margins and liquidation value.

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 will invest in issuers located in at least three different countries (including the U.S.).

From time to time, based on economic conditions, the fund may have significant positions in particular regions, countries or sectors.

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 in securities of domestic and international companies.

The team assesses a security’s value based on an issuer’s financial profile, management, and business prospects.

In addition, the team evaluates a security on the basis of financial information, market trends and price movements.

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 approximately 40% of its net assets in foreign assets.

However, the fund could invest a much lower percentage of its net assets in foreign assets depending on market conditions.

According to the investment team, an asset maybe determined to be foreign based on the issuer’s domicile, principal place of business, stock exchange listing, source of revenue, or other factors.

Foreign securities may also include depositary receipts.

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 in securities of domestic and international companies.

The team assesses a security’s value based on an issuer’s financial profile, management, and business prospects.

In addition, the team evaluates a security on the basis of financial information, market trends and price movements.

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 approximately 40% of its net assets in foreign assets.

However, the fund could invest a much lower percentage of its net assets in foreign assets depending on market conditions.

According to the investment team, an asset maybe determined to be foreign based on the issuer’s domicile, principal place of business, stock exchange listing, source of revenue, or other factors.

Foreign securities may also include depositary receipts.

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 in securities of publicly-traded United States domiciled  companies.

The team favors companies that are reasonably priced and estimated to trade below their fair values.

Also, the team looks for companies that exhibit the potential for significant growth over the long term.

When selecting investments for the portfolio, the team focuses on the quality of the company’s management, balance sheet strength, forecasted growth rate of future earnings, and relevant market, economic and political environments.

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 up to 25% of its net assets in securities principally traded in foreign markets.

Additionally, under adverse market conditions, the fund may invest up to 100% of its net assets in cash or cash equivalents.

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 U.S. and foreign equity securities.

The team favors companies that are believed to be the most attractive in the global marketplace.

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 stocks of attractive companies that demonstrate value, and/or growth characteristics.

In addition, the fund may invest up to 100% of its net assets in foreign securities, including securities issued in emerging markets.
 

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 U.S. and foreign equity securities.

The team favors companies that are believed to be the most attractive in the global marketplace.

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 stocks of attractive companies that demonstrate value, and/or growth characteristics.

In addition, the fund may invest up to 100% of its net assets in foreign securities, including securities issued in emerging markets.
 

The fund seeks capital appreciation in the long term and current income by investing in companies 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 equity securities.

In addition, the team narrows the investable universe to a list of companies that exhibit stable dividend yields within each industry sector.

The team ranks each security relative to other securities within its region or sector to identify the most attractive securities within various geographic regions and sectors.

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 manager seeks to maximize total return to the extent consistent with maintaining lower volatility than the Index.

The fund invests in securities of issuers in a number of different countries, including the United States.

Also, the fund may invest in derivative instruments including, but not limited to, index futures, as well as real estate-related securities including real estate investment trusts.

Additionally, the fund may invest in other investment companies, including exchange-traded funds.

The fund may lend portfolio securities on a short-term or long-term basis, up to 30% of its net assets

The fund seeks capital appreciation in the long term and current income by investing in companies 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 equity securities.

In addition, the team narrows the investable universe to a list of companies that exhibit stable dividend yields within each industry sector.

The team ranks each security relative to other securities within its region or sector to identify the most attractive securities within various geographic regions and sectors.

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 manager seeks to maximize total return to the extent consistent with maintaining lower volatility than the Index.

The fund invests in securities of issuers in a number of different countries, including the United States.

Also, the fund may invest in derivative instruments including, but not limited to, index futures, as well as real estate-related securities including real estate investment trusts.

Additionally, the fund may invest in other investment companies, including exchange-traded funds.

The fund may lend portfolio securities on a short-term or long-term basis, up to 30% of its net assets

The fund seeks capital appreciation in the long term and current income by investing in companies 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 equity securities.

In addition, the team narrows the investable universe to a list of companies that exhibit stable dividend yields within each industry sector.

The team ranks each security relative to other securities within its region or sector to identify the most attractive securities within various geographic regions and sectors.

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 manager seeks to maximize total return to the extent consistent with maintaining lower volatility than the Index.

The fund invests in securities of issuers in a number of different countries, including the United States.

Also, the fund may invest in derivative instruments including, but not limited to, index futures, as well as real estate-related securities including real estate investment trusts.

Additionally, the fund may invest in other investment companies, including exchange-traded funds.

The fund may lend portfolio securities on a short-term or long-term basis, up to 30% of its net assets

The fund seeks capital appreciation in the long term and current income by investing in companies 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 equity securities.

In addition, the team narrows the investable universe to a list of companies that exhibit stable dividend yields within each industry sector.

The team ranks each security relative to other securities within its region or sector to identify the most attractive securities within various geographic regions and sectors.

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 manager seeks to maximize total return to the extent consistent with maintaining lower volatility than the Index.

The fund invests in securities of issuers in a number of different countries, including the United States.

Also, the fund may invest in derivative instruments including, but not limited to, index futures, as well as real estate-related securities including real estate investment trusts.

Additionally, the fund may invest in other investment companies, including exchange-traded funds.

The fund may lend portfolio securities on a short-term or long-term basis, up to 30% of its net assets