Document
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Summary Prospectus Supplement
Supplement dated August 1, 2024
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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:
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Investor Class
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All other classes
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Maximum Annual Account Maintenance Fee
(waived if eligible investments total at least $25,000
or shareholder has elected electronic delivery)
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$25
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None
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