Minimum Investments

• Initial Investment
  The minimum purchase indicates the smallest investment amount a fund will accept to establish a new account.
• Additional Investment
  This indicates the smallest permissible additional purchase a fund will accept in an existing account.
• Initial IRA Investment
  The smallest investment amount accepted for establishing an individual retirement account. If none appears, the fund does not have a plan. If the minimum is zero, then $0 will appear.
• Additional IRA Investment
  This indicates the smallest permissible additional purchase a fund will accept in an existing IRA account.
• Initial Auto-Invest Program Investment
  This indicates the smallest amount with which one can enter a fund's automatic-investment plan—an arrangement where the fund takes money on a monthly, quarterly, semiannual, or annual basis from the shareholder's checking account. Often, the normal minimum initial purchase requirements are waived in lieu of this systematic investment plan. The systematic investment amount is the minimum amount required for subsequent regular investments in an automatic investment plan. Studies indicate that regular automatic investment, also known as dollar-cost averaging, is perhaps the most successful investment plan for long-term investors.
• Additional Auto-Invest Program Investment
  This indicates the smallest permissible additional investment a fund will accept in an existing automatic-investment plan account.

Correspondence Information
This is the fund company's address and phone number through which an investor can request a prospectus or other information.

Brokerage Availability
Morningstar lists the brokerages through which a fund is available. The brokerage firms themselves provide us with this data. It is the brokerage firm's responsibility to disclose any fees associated with these plans.