Summary Prospectus by Investment Company - Form 497K

Summary Prospectus Supplement Supplement dated August 1, 2024

Emerging Markets Fund n Emerging Markets Small Cap Fund n Focused Global Growth Fund

Focused International Growth Fund n Global Small Cap Fund n International Value Fund

Non-U.S. Intrinsic Value Fund (Summary Prospectuses dated April 1, 2024)

Global Real Estate Fund n Real Estate Fund n Balanced Fund n Heritage Fund

Small Cap Growth Fund n Sustainable Equity Fund n Emerging Markets Debt Fund

Global Bond Fund (Summary Prospectuses dated March 1, 2024)

Zero Coupon 2025 Fund (Summary Prospectus dated February 1, 2024)

California High-Yield Municipal Fund n California Intermediate-Term Tax-Free Bond Fund

California Tax-Free Money Market Fund

(Summary Prospectuses dated January 1, 2024)

One Choice© 2025 Portfolio n One Choice© 2030 Portfolio n One Choice© 2035 Portfolio

One Choice© 2040 Portfolio n One Choice© 2045 Portfolio n One Choice© 2050 Portfolio

One Choice© 2055 Portfolio n One Choice© 2060 Portfolio n One Choice© 2065 Portfolio

One Choice© In Retirement Portfolio n One Choice© Blend+ 2015 Portfolio

One Choice© Blend+ 2020 Portfolio n One Choice© Blend+ 2025 Portfolio

One Choice© Blend+ 2030 Portfolio n One Choice© Blend+2035 Portfolio

One Choice© Blend+ 2040 Portfolio n One Choice© Blend+ 2045 Portfolio

One Choice© Blend+ 2050 Portfolio n One Choice© Blend+ 2055 Portfolio

One Choice© Blend+ 2060 Portfolio n One Choice© Blend+ 2065 Portfolio

One Choice© Portfolio: Very Conservative n One Choice© Portfolio: Conservative

One Choice© Portfolio: Moderate n One Choice© Portfolio: Aggressive

One Choice© Portfolio: Very Aggressive n Strategic Allocation: Aggressive Fund

Strategic Allocation: Conservative Fund n Strategic Allocation: Moderate Fund

Focused Dynamic Growth Fund (Summary Prospectuses dated December 1, 2023)

Disciplined Core Value Fund n Equity Growth Fund n Global Gold Fund n Small Company Fund

Utilities Fund (Summary Prospectuses dated November 1, 2023)

High-Yield Municipal Fund n Intermediate-Term Tax-Free Bond Fund n Tax-Free Money Market Fund (Summary Prospectuses dated October 1, 2023)

Beginning October 2024, the total eligible investments required to qualify for a waiver of the annual account maintenance fee will change from $10,000 to $25,000. Such fee will also be waived for any accounts for which the shareholder has elected to receive electronic delivery of all fund/account documents.

As a result, the Shareholder Fees table in each prospectus is updated to reflect the following:

Investor Class	All other classes
Maximum Annual Account Maintenance Fee (waived if eligible investments total at least $25,000 or shareholder has elected electronic delivery)	$25	None

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