Pricing Options and Breakpoints

Payment Schedule

12b-1 payments are made to your firm's back-office on a quarterly basis around the 15th of the month following a calendar quarter end. These payments are available to your firm electronically via ACH/Wire, or through the NSCC (if applicable). Electronic delivery via secure email of your 12b-1 statements are also available. You may contact the American Century Intermediary Payments Team at 877-923-6887 for questions regarding 12b-1 payments and to sign up for electronic payments and statements.

To provide you with more flexible options, we offer multiple share classes for many of our funds. Although each class of the fund's shares represent an interest in the same fund, each has a different cost structure, as described in the class tabs below. Which class is right for you and your client depends on many factors, including how long your client plans to hold the shares, and how much will be invested, the fee structure of each class, and how you wish to be compensated.

The following classes are available:

  • A Class
  • C Class
  • I Class
  • R Class
  • R5 Class
  • R6 Class
  • Y Class
  • Advisor
  • Investor

A Class shares are available for purchase through broker-dealers and other financial intermediaries. These shares are purchased at the offering price, carry an initial sales charge and an ongoing distribution and service (12b-1) fee. The sales charge decreases with the size of the purchase, and may be reduced or eliminated in certain situations. See below for a full description of the breakpoints, reductions and waivers that may be available through financial intermediaries in certain types of accounts or products.

Equity Funds1

Purchase Amount Sales Charge as a % of Offering Price
Less than $50,000 5.75% 
$50,000 - $99,999 4.75%
$100,000 - $249,999 3.75%
$250,000 - $499,999 2.50%
$500,000 - $999,999 2.00%
$1,000,000 - $3,999,9992 0.00%
$4,000,000 - $9,999,9992 0.00%
> $10,000,0002 0.00%
Purchase Amount Dealer Commission as a % of Offering Price
Less than $50,000 5.00% 
$50,000 - $99,999 4.00%
$100,000 - $249,999 3.25%
$250,000 - $499,999 2.00%
$500,000 - $999,999 1.75%
$1,000,000 - $3,999,9992 1.00%
$4,000,000 - $9,999,9992 0.50%
> $10,000,0002 0.25%

Fixed Income Schedule I 3

Purchase Amount Sales Charge As a % of Offering Price
Less than $100,000:   4.50%
$100,000 - $249,999  3.50%
$250,000 - $499,999 2.50%
$500,000 - $999,999 2.00%
$1,000,000 - $3,999,9992 0.00%
$4,000,000 - $9,999,9992 0.00%
$10,000,000 or more2 0.00%
Purchase Amount Dealer Commission As a % of Offering Price
Less than $100,000  4.00%
$100,000 - $249,999  3.00%
$250,000 - $499,999 2.00%
$500,000 - $999,999 1.75%
$1,000,000 - $3,999,9992 0.75%
$4,000,000 - $9,999,9992 0.50%
$10,000,000 or more2 0.25%

Fixed Income Schedule II 4

Purchase Amount Sales Charge As a % of Offering Price
Less than $100,000:   2.25%
$100,000 - $249,999  1.75%
$250,000 - $499,999 1.50%
$500,000 - $3,999,9995 0.00%
$4,000,000 - $9,999,9995 0.00%
$10,000,000 or more5 0.00%
Purchase Amount Dealer Commission As a % of Offering Price
Less than $100,000:   2.00%
$100,000 - $249,999  1.50%
$250,000 - $499,999 1.25%
$500,000 - $3,999,9995 0.75%
$4,000,000 - $9,999,9995 0.50%
$10,000,000 or more5 0.25%

Other Fees & Charges - Equity and Fixed Income

Description and Amount

  • 12b-1 fee6 :  0.25%
  • Contingent Deferred Sales Charge (CDSC)2,3  (purchases >$1MM redeemed within 1 year of purchase):  1.00%
  • Contingent Deferred Sales Charge (CDSC)5  (purchases >$500,000 redeemed within 1 year of purchase):  1.00%
  • Management fee:  Varies by fund

Waivers

The initial sales charge on A Class shares may be waived for the following reasons:
  • Purchases by registered representatives and other employees of certain financial intermediaries (and their immediate family members, which includes their spouse or domestic partner and children, parents or step-parents of them, their spouse or domestic partner) having selling agreements with American Century Investments.
  • Broker-dealer sponsored wrap program accounts and/or fee-based accounts maintained for clients of certain financial intermediaries who have entered into selling agreements with American Century Investments.
  • Purchases in accounts of financial intermediaries that have entered into a selling agreement with American Century Investments that allows for the waiver of the sales charge in brokerage accounts that may or may not charge a transaction fee.
  • Current officers, directors and employees of American Century Investments.
  • Certain group employer-sponsored retirement plans, where plan level or omnibus accounts are held with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by retirement recordkeepers. For purposes of this waiver, employer-sponsored retirement plans do not include SEP IRAs, SIMPLE IRAs or SARSEPs. However, SEP, SIMPLE or SARSEP IRA retirement plans that (i) held shares of an A Class fund prior to March 1, 2009, that received sales charge waivers or (ii) held shares of an Advisor Class fund that was renamed A Class on March 1, 2010, may permit additional purchases by new and existing participants in A Class shares without an initial sales charge Refer to Buying and Selling Fund Shares in the statement of additional information.
  • Purchases of additional shares in accounts that held shares of an Advisor Class that was renamed A Class on either September 4, 2007, December 3, 2007 or March 1, 2010. However, if you close your account or if you transfer your account to another financial intermediary, future purchases of A Class shares of a fund may not receive a sales charge waiver.

An investor who receives a sales charge waiver for purchases of fund shares through a financial intermediary may become ineligible to receive such waiver if the nature of the investor's relationship with and/or the services from the financial intermediary changes. Please consult with your financial professional for further details.

Reductions of Sales Charges for A Class

A reduction of certain sales charges may apply if information, including the account numbers of any accounts to be aggregated, is provided at the time of purchase. If assets are held among multiple intermediaries, notification of accounts to be aggregated must be provided at the time of purchase.

Individuals and immediate family members (spouse and children younger than 21) may combine investments in any share classes (excluding certain assets in money market accounts, but including, beginning January 1, 2011, account assets invested in Qualified Tuition Programs under Section 529) to reduce the A Class sales charge in the following ways:

Account Aggregation

Concurrent Purchases

Rights of Accumulation

Letter of Intent

Employer-Sponsored Retirement Plans

Moving Between Shares Classes and Accounts

1This schedule is for all equity funds and also includes Multi-Asset Income, Multi-Asset Real Return, Strategic Allocation funds, One Choice funds and AC Alternatives funds.

2 There is no front-end sales charge for purchases of $1,000,000 or more, but if you redeem your shares within one year of purchase you will be a deferred sales charge of 1.00% of the lower of the original purchase price or the current value at redemption, subject to the waivers listed below. No sales charge applies to reinvested dividends. No dealer commission will be paid for purchases by certain employer-sponsored retirement plans. For this purpose, employer-sponsored retirement plans do not include SEP IRA, SIMPLE IRA OR SARSEPs.

3 This schedule is for all fixed income funds, except those referred in Schedule II. 

4 This schedule is for Short Duration, Short Duration Inflation Protection Bond, Short Duration Strategic Income and Short-Term Govenment.

5 There is no front-end sales charge for purchases of $500,000 or more, but if you redeem your shares within one year of purchase you will be a deferred sales charge of 1.00% of the lower of the original purchase price or the current value at redemption, subject to the waivers listed below. No sales charge applies to reinvested dividends. No dealer commission will be paid for purchases by certain employer-sponsored retirement plans. For this purpose, employer-sponsored retirement plans do not include SEP IRA, SIMPLE IRA OR SARSEPs.

6 Entire amount paid to broker-dealer of record as a trailing commission (on a quarterly basis).

Money Market Fund: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. The fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

C Class shares are available for purchase through broker-dealers and other financial intermediaries. These shares do not have an initial sales charge but carry an ongoing distribution and service (12b-1) fee, and a CDSC when redeemed within one year of purchase. If shares are purchased with a dealer commission and redeemed within 12 months of purchase, the CDSC of 1.00% will apply. The distribution and service (12b-1) fee is not paid until the CDSC period has expired (it is retained by the distributor). If C Class shares are purchased in an employer-sponsored retirement plan (other than a SEP IRA, SIMPLE IRA or SARSEP), no dealer commission will be paid. Shares purchased in this way are not subject to a CDSC, and the financial professional begins receiving the distribution and service (12b-1) fee at the time of purchase.

CDSC Waivers

Any applicable contingent deferred sales charge may be waived in the following cases:

  • Redemptions through systematic withdrawal plans not exceeding annually 12% each year of the lesser of the original purchase cost or the current market value of the fund account.
  • Redemptions through employer-sponsored retirement plans. The 12b-1 fee starts immediately. For this purpose, employer-sponsored retirement plans do not include SEP IRAs, SIMPLE IRAs or SARSEPs.
  • Distributions from IRAs due to attainment of age 59½.
  • Required minimum distributions from retirement accounts upon reaching age 70½.
  • Tax-free returns of excess contributions to IRAs.
  • Redemptions due to death or post-purchase disability.
  • Exchanges, unless the shares acquired by exchange are redeemed within the original CDSC period (12 months).
  • If no dealer commission was paid to the financial professional on the purchase for any other reason.

The 12b-1 fee for C Class is 1.00%. The entire amount is retained by American Century Investments for the first year. The entire 12b-1 fee begins to accrue and is paid to the broker-dealer starting with the 13th month (on a quarterly basis). For Prime Money Market Fund, the 12b-1 fee is 0.75%.

The Dealer Commission for C Class shares is 1.00%. There is no dealer commission for purchases of Prime Money Market Fund; however, a dealer commission will apply when the shares are exchanged for C Class shares of another American Century Investments fund. If the Dealer Commission/CDSC is waived, the 12b-1 fee starts immediately.

The CDSC for C Class shares is 1.00%. If C Class shares are purchased in Prime Money Market Fund by exchange from the C Class shares of another American Century Investments fund where a dealer commission was paid, a CDSC of 1.00% may apply when shares are redeemed.

Employer-Sponsored Retirement Plans

Certain employer-sponsored retirement plans are eligible to purchase Investor, Institutional, A, Advisor, C, R and R6 Class shares at net asset value with no dealer commission paid to the financial professional. Class A and C shares are purchased with no dealer concession or CDSC in group employer-sponsored retirement plans, that hold a single account for all plan participants with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by plan recordkeepers. A, Advisor, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of the purchase. There is no plan size or participant number requirement by class.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, Institutional, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Money Market Fund: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. The fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

I Class shares are available for purchase without sales charges or commissions by individuals and large institutional shareholders such as bank trust departments, corporations, endowments, foundations, and financial advisors. The minimum initial investment amount is $5 million ($3 million for endowments and foundations) per fund in an American Century Investments' fund. For investors who invest through a financial intermediary, this requirement may be met if the financial intermediary aggregates investments of multiple clients into a single account that meets the minimum.

The minimum investment requirement may be waived if the investor, or their financial intermediary who combines client investments in this way, has an aggregate investment in our family of funds of $10 million or more ($5 million for endowments and foundations). 

American Century Investments may permit an intermediary to waive the initial minimum per shareholder as provided in the fund's statement of additional information.

Please note: One Choice Target Date Portfolios' I Class will still be available for all group employer-sponsored retirement plans as well as fee based advisory accounts with no initial minimums, self-directed retail shareholders, and eligible institutions who meet the investment minimum requirements.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

R Class shares do not carry a sales charge or commission, but they have an ongoing distribution and service (12b-1) fee.  R Class shares are available for purchase through certain employer-sponsored retirement plans. R Class shares may also be available for certain other accounts through financial intermediaries who have an agreement with us to offer R Class in certain products. Additionally, IRA accounts in R Class shares established through financial intermediaries prior to August 1, 2006, may make additional purchases. R Class shares are not available for purchase in the following types of employer-sponsored retirement plans: SEP IRAs, SIMPLE IRAs and SARSEPs.

The 12b-1 fee for R Class is 0.50%. The entire amount is paid to the broker-dealer of record as a trailing commission on a quarterly basis.

Employer-Sponsored Retirement Plans

Certain employer-sponsored retirement plans are eligible to purchase Investor, Institutional, A, Advisor, C, R and R6 Class shares at net asset value with no dealer commission paid to the financial professional. Class A and C shares are purchased with no dealer concession or CDSC in group employer-sponsored retirement plans, that hold a single account for all plan participants with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by plan recordkeepers. A, Advisor, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of the purchase. There is no plan size or participant number requirement by class.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, Institutional, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

R5 Class shares are generally available only through employer-sponsored retirement plans where a financial intermediary provides retirement recordkeeping services to plan participants. To be eligible, plan level or omnibus accounts must be held on the books of the fund. 

R5 Class shares are not available to retail accounts, traditional or Roth IRAs, SEP IRAs, SIMPLE IRAs, SARSEPs or Coverdell education savings accounts.

Employer-Sponsored Retirement Plans

Certain group employer-sponsored retirement plans that hold a single account for all plan participants with the fund, or that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by retirement record-keepers are eligible to purchase Investor, A, C, R, R5 and R6 Class shares. Employer-sponsored retirement plans are not eligible to purchase I, Y or T Class shares. However, employer-sponsored retirement plans that were invested in I Class prior to April 10, 2017 may make additional purchases. Additionally, the I Class of the One Choice Target Date Portfolios will still be available to group employer-sponsored retirement plans, with no initial minimums. For more information regarding employer-sponsored retirement plan types, please refer to Buying and Selling Fund Shares in the statement of additional information. A and C Class purchases are available at net asset value with no dealer commission paid to the financial professional, and do not incur a CDSC. A, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of purchase. American Century Investments does not impose minimum initial investment amount, plan size or participant number requirements by class for employer-sponsored retirement plans; however, financial intermediaries or plan record-keepers may require plans to meet different requirements.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

R6 Class shares are generally available only through employer-sponsored retirement plans where a financial intermediary provides retirement recordkeeping services to plan participants. To be eligible, plan level or omnibus accounts must be held on the books of the fund. R6 Class shares also are available to funds of funds advised by American Century Investments and unaffiliated funds of funds sold primarily to the employer-sponsored retirement plan market.

R6 Class shares are not available to retail accounts, traditional or Roth IRAs, SEP IRAs, SIMPLE IRAs, SARSEPs or Coverdell education savings accounts.

Employer-Sponsored Retirement Plans

Certain employer-sponsored retirement plans are eligible to purchase Investor, Institutional, A, Advisor, C, R and R6 Class shares at net asset value with no dealer commission paid to the financial professional. Class A and C shares are purchased with no dealer concession or CDSC in group employer-sponsored retirement plans, that hold a single account for all plan participants with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by plan recordkeepers. A, Advisor, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of the purchase. There is no plan size or participant number requirement by class.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, Institutional, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

Available for purchase without sales charges or commissions through financial intermediaries that offer fee based advisory programs. Y class shares may be purchased or redeemed only through financial intermediaries that trade in omnibus accounts with American Century Investments. Y Class shares may not be purchased by shareholders investing through employer-sponsored retirement plans or individuals investing directly with American Century Investments.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

Advisor Class Shares are made available for purchase without sales charges or commissions but may be subject to account or transaction fees if purchased through financial intermediaries. Shares are available to investors in retail brokerage accounts, broker-dealer sponsored fee-based advisory accounts, other advisory accounts where fees are charged, as well as employer sponsored retirement plans.

The 12b-1 fee for Advisor Class is 0.25%. The entire amount is paid to broker-dealer of record as a trailing commission (on a quarterly basis.)

Employer-Sponsored Retirement Plans

Certain employer-sponsored retirement plans are eligible to purchase Investor, Institutional, A, Advisor, C, R and R6 Class shares at net asset value with no dealer commission paid to the financial professional. Class A and C shares are purchased with no dealer concession or CDSC in group employer-sponsored retirement plans, that hold a single account for all plan participants with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by plan recordkeepers. A, Advisor, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of the purchase. There is no plan size or participant number requirement by class.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, Institutional, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

Investor Class shares are available for purchase without sales charges or commissions but may be subject to account or transaction fees if purchased through financial intermediaries. These shares are available to investors in retail brokerage accounts, broker-dealer sponsored fee-based advisory accounts, other advisory accounts where fees are charged, and employer-sponsored retirement plans.

Employer-Sponsored Retirement Plans

Certain employer-sponsored retirement plans are eligible to purchase Investor, Institutional, A, Advisor, C, R and R6 Class shares at net asset value with no dealer commission paid to the financial professional. Class A and C shares are purchased with no dealer concession or CDSC in group employer-sponsored retirement plans, that hold a single account for all plan participants with the fund, or shares are purchased by certain retirement plans that are part of a retirement plan or platform offered by banks, broker-dealers, financial advisors or insurance companies, or serviced by plan recordkeepers. A, Advisor, C and R Class shares purchased in employer-sponsored retirement plans are subject to applicable distribution and service (12b-1) fees, which the financial intermediary begins receiving immediately at the time of the purchase. There is no plan size or participant number requirement by class.

Employer-sponsored retirement plans held in brokerage accounts whether a single account for all plan participants with the Fund or multiple accounts for each plan participant are eligible to purchase Investor, Institutional, A, Advisor and C class shares. For those retirement plans a dealer commission will be paid to the financial professional on all purchases in A and C classes unless an applicable waiver applies. In addition, any purchase in A and C classes will be subject to a contingent deferred sales charge (CDSC). Examples of group employer-sponsored retirement plan definitions are listed in the Statement of Additional Information.

Moving Between Shares Classes and Accounts

You may move your investment between share classes (within the same fund or between different funds) in certain circumstances deemed appropriate by American Century Investments. You also may move investments held in certain accounts to a different type of account if you meet certain criteria.

Refer to Fund Minimums and Purchase Guidelines for Employer-Sponsored Retirement Plans for additional eligibility information.

Only Investor Class shares are made available to investors directly. Advisor, A, C, I, and Y Classes of shares are only available for purchase by institutions or other financial intermediaries. R, R5, and R6 Classes of shares are only available for purchase by group employer-sponsored retirement plans. Review definitions and minimums for all share classes.