*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 one year.

Mutual fund investing involves risk. Principal loss is possible. Past performance is not a guarantee of future results.

The 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 fund.

The funds' investment objectives, risks, charges and expenses must be considered carefully before investing. The prospectus contains this and other important information about the investment company. Please read it carefully before investing.