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Investment Risks

Investments in mutual funds and in asset allocation funds involve risk. Diversification does not eliminate risk. Some investment products have more risk than others, such as those investing in commodity-related securities, which are subject to market price movements, regulatory changes and economic conditions as well as adverse political and financial factors. Bond investments are subject to interest-rate risk such that when interest rates rise, the prices of the bonds, and thus the value of the bond investment, can decline and the investor can lose principal value. Investing in foreign securities present certain risks, such as currency fluctuations, political and economic changes and market risks Furthermore, there are additional risks associated with investing in non-US companies, high-yield bonds, emerging markets, aggressive growth stocks, non-diversified/concentrated funds and small-, mid- and micro-cap stocks which are more fully explained in the prospectuses. The underlying mutual funds in the portfolios of Asset Allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less that its original price.  Please read the prospectus for more information.

DWS Investments funds are distributed by DWS Investments Distributors, Inc.; American Century funds are distributed by American Century Investment Services, Inc.; AIM funds are distributed by AIM Distributors, Inc.; Allianz funds are distributed by Allianz Global Investors Distributors LLC; American funds are distributed by American Funds Distributors, Inc.; Goldman Sachs funds are distributed by The Goldman Sachs Group, Inc.; Oppenheimer funds are distributed by Oppenheimer Funds Distributor, Inc.; Royce funds are distributed by Royce Fund Services, Inc.; T. Rowe Price funds are distributed by T. Rowe Price Investment Services, Inc.

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