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Ratings for Total Return reflect fund historic total return performance relative to peers.
Ratings for Consistent Return reflect fund historical risk-adjusted returns relative to peers.
Lipper Ratings for Preservation are relative, rather than absolute.
Ratings for Expense reflect fund expense minimization relative to peers.
Ratings for Tax Efficiency (U.S. Only) reflect fund historical ability to postpone taxable distributions.
Lipper Leader ratings DO NOT take into account the effects of sales charges.
Overall Ratings are based on an equal-weighted average of percentile ranks for each measure over 3-, 5-, and 10-year periods (if applicable).