Except as noted otherwise, the indicated rates of return are the annual compounded total returns for the period. The rates of return for periods of less than one year are simple rates of return. All rates of return include changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security-holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.