You should consider the investment objectives, risks, fees and expenses of any mutual fund before investing. This and other information is available in the Fund's prospectus. Please read the prospectus carefully before investing.

* Annualized.
** Lipper High Current Yield Funds. Lipper High Current Yield Funds Index tracks the results of the 30 largest mutual funds in the Lipper High Current Yield Funds category. Lipper is an independent mutual fund research and ranking service.
*** JPMorgan Global High-Yield Index. The JPMorgan Global-High Yield Index is an unmanaged index of fixed income securities of domestic and foreign issuers with a maximum credit rating of BB+ or Ba1. Issues must be publicly registered or issued under Rule 144A under the Securities Act of 1933, with a minimum size of $75 million (par amount). A maximum of two issues per issuer are included in the JPMorgan Global High-Yield Index. Convertible bonds, preferred stock, and floating-rate bonds are excluded from the JPMorgan Global High-Yield Index.

Investing in high yield securities involves additional risks when compared to investing in investment grade securities. These include a greater risk of default or bankruptcy and an increased sensitivity to financial difficulties or changes in interest rates. Investing in debt securities entails interest rate risk which is the risk that debt securities will decrease in value with increases in market interest rates.

Performance shown prior to the 3/1/02 inception of the PlanAhead Class is that of the Institutional Class. The returns have not been adjusted for any difference between the fees and expenses of the PlanAhead Class and the historical fees and expenses of the Institutional Class. Because the Institutional Class had lower expenses, its performance was better than the PlanAhead Class would have realized during the same period. A portion of the fees charged to the Institutional Class of the Fund was waived through 2004.

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