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*Price-to-sales ratio is a tool for calculating
a stock's valuation relative to other companies. It is calculated
by dividing a stock's current price by its revenue per share. Dividend
yield is calculated as the annual dividends paid by a company divided
by the price of a share of their stock. Earnings growth is a measure
of growth in a company's net income over a specific period, often
Mutual fund investing involves risk. Principal loss is possible.
Past performance is not a guarantee of future results.
Cornerstone Growth, Cornerstone Growth Series II, Focus 30 and Cornerstone Value Funds may invest in small and medium-capitalization companies,
which tend to have limited liquidity and greater price volatility than
large-capitalization companies. The Cornerstone Growth, Cornerstone
Growth Series II and Cornerstone Value Funds may also make investments
in foreign securities, which involve greater volatility and political,
economic and currency risk and differences in accounting methods.
The Total Return and Balanced Funds are non-diversified, meaning they
may concentrate their assets in fewer individual holdings than a diversified
fund, making it more exposed to individual stock volatility than a diversified
The funds' investment objectives, risks, charges
and expenses must be considered carefully before investing. The
contains this and other important information about the investment
company. Please read it carefully before investing.