Morningstar Investment Profilessm: Investment Option Disclosure

The cumulative effect of fees can substantially reduce the growth of your retirement savings. Visit the Department of Labor's website for an example showing the long-term effect of fees at http://www.dol.gov/ebsa/publications/401k_employee.html. Fees are only one of many factors to consider when you decide to invest. You may also want to think about whether an investment in a particular alternative, along with your other investments, will help you achieve your financial goals.