Fidelity Managed Retirement Funds

[Pages:23]PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Fidelity? Managed Retirement Funds

Key Takeaways

? For the fiscal year ending July 31, 2022, returns for the Retail Class

shares of Fidelity? Managed Retirement Funds (excluding sales charges, if applicable) ranged from roughly -8% to -10%, with performance trending higher among Funds for investors with a shorter retirement horizon.

? Each Fund trailed its Composite index the past 12 months, primarily

due to underperformance among underlying investment portfolios.

? Underlying investment performance among non-U.S. equity funds

detracted from the Funds' results versus Composite indexes this period, especially Fidelity? Series Emerging Markets Opportunities Fund (-26.20%), which trailed the -20.08% result of its benchmark, the MSCI Emerging Markets Index.

? Conversely, an investment in Fidelity? Series Small Cap Opportunities

Fund (-7.62%), which focuses on undervalued securities with sustainable earnings growth, contributed to relative results, as this underlying fund outpaced the -14.29% return of its benchmark, the Russell 2000? Index.

? Active asset allocation helped the Funds' performance versus

Composites this period. For example, an out-of-Composite allocation to commodities, which gained 26.51%, added meaningful relative value for the Funds.

? Looking ahead to the remainder of 2022, Co-Portfolio Managers

Andrew Dierdorf and Brett Sumsion remain focused on the long-term objectives of the Funds and continue to believe there are opportunities to position them in areas trading at a discount to their view of fair value.

FUND NAMES

Fidelity Managed Retirement Income Fund Fidelity Managed Retirement 2010 Fund Fidelity Managed Retirement 2015 Fund Fidelity Managed Retirement 2020 Fund Fidelity Managed Retirement 2025 Fund Fidelity Managed Retirement 2030 Fund

Not FDIC Insured ? May Lose Value ? No Bank Guarantee

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Market Recap

For the 12 months ending July 31, 2022, a multitude of crosscurrents challenged the global economy and financial markets, including historically high inflation, rising interest rates and other central bank policy actions by some central banks, which led to increasing bond yields, while ongoing supply-chain disruption, exacerbated by Russia's late-February invasion of Ukraine, contributed to surging global commodity prices.

International equities returned -15.13% the past 12 months, according to the MSCI ACWI (All Country World Index) ex USA Index. By region, emerging markets (-20%) lagged most, followed by Europe ex U.K. (-18%). Japan (-14%) slightly outpaced the broader index, followed by Asia Pacific ex Japan (11%). Conversely, the U.K. (-1%) and Canada (-3%) performed best. By sector, the economically sensitive information technology (-26%) category fared worst, followed by consumer discretionary (-25%). At the other end of the performance spectrum, energy (+17%) benefited from higher prices for oil and natural gas and led the way as the only sector to gain. Utilities (4%) also meaningfully outperformed.

U.S. stocks returned -7.78% for the 12 months, as measured by the Dow Jones U.S. Total Stock Market Index. Among equity sectors, communication services (-31%) notably lagged, followed by consumer discretionary (-15%). In contrast, energy stood out (+65%) amid elevated prices for crude oil and natural gas. Utilities (+15%) also outperformed. Value stocks handily outpaced growth among all market capitalizations. Commodities rose 27.23%, according to the Bloomberg Commodity Index Total Return.

U.S. taxable investment-grade bonds returned -9.12% for the 12 months, per the Bloomberg U.S. Aggregate Bond Index, amid soaring inflation and rising interest rates. The U.S. Federal Reserve raised policy rates in March, May, June and again in July, while starting to allow up to billions in U.S. Treasuries and mortgage bonds to mature monthly without investing the proceeds. U.S. corporate bonds (-12.15%) trailed U.S. Treasuries (-8.69%), while commercial mortgage-backed securities (-8.08%) and agencies (-6.12%) also lost ground. Outside the index, leveraged loans returned -0.70%, besting Treasury InflationProtected Securities (-3.58%), U.S. high-yield bonds (-7.73%) and emerging-markets debt (-17.11%).

BROAD ASSET CLASS RETURNS (%) PERIOD ENDING JULY 31, 2022

2012

Best

18.6

18.5

P

16.6

e

16.4

r f

12.9

o

12.7

r

m

9.8

a n

5.0

c

4.2

e 3.6

0.1

Worst

-1.1

--

Dispersion of Returns*

19.7

2013 33.5 21.2 14.7 5.4 0.1 -1.8 -2.0 -2.3 -5.6 -6.6 -9.5 -12.7

--

46.1

2014 25.1 16.9 12.5 12.1 7.0 6.0 5.5 1.8 0.9 0.1 -1.8 -4.2 -17.0

Calendar-Year Returns 2015 2016 2017 2018

13.6 17.5 37.8 1.9

4.1 12.6 24.5 0.7

1.2 11.8 21.2 0.6

0.5 11.6 9.3

0.0

0.4 10.4 8.5 -0.3

0.2 10.2 8.3 -1.8

0.1

5.3

7.5

-2.3

0.1

4.9

4.7

-4.1

-0.5

4.0

4.3

-4.6

-1.2

3.0

3.5

-5.3

-2.9

2.6

1.9 -11.2

-14.6 1.3 -24.7 0.3

1.7 -13.9 0.9 -14.2

42.1 38.3 17.1 36.9 16.1

2019 30.9 22.8 18.9 18.4 14.8 14.4 14.4 10.3 8.7 8.7 7.7 6.9 2.3

28.6

2020 20.8 18.7 17.7 8.4 7.8 7.5 6.4 6.1 5.9 3.5 3.4 0.7 -3.1

23.9

2021 27.1 25.7 12.9 9.9 5.7 5.4 5.3 0.0 -1.0 -1.5 -1.5 -2.2 -4.6

31.8

Average Annual

Cumulative

5 Year 12.1 8.8 3.9 3.5 3.4 3.3 2.9 1.5 1.3 1.3 1.2 1.1 -0.5

3 Year 16.2 12.4 4.5 4.0 2.7 2.1 1.7 1.3 0.6 -0.2 -0.8 -2.1 -3.7

1 Year 27.2 0.2 -0.7 -0.8 -7.7 -7.8 -8.0 -9.1 -10.1 -13.0 -17.1 -19.2 -19.8

6 Mos 13.5 0.2 -0.5 -3.0 -6.1 -6.1 -6.3 -7.4 -8.5 -10.6 -13.7 -15.7 -16.0

3 Mos

U.S. Equities 1.5

Non-U.S. Developed1.2 Markets Equities

1.0

Emerging-Markets Equities

0.2

Commodities

0.2

High-Yield Debt

-0.0

Floating-Rate Debt

-0.8

International Debt

-1.0

Emerging-Markets Debt

-2.3

Real Estate Debt

-2.7

Investment-Grade Debt

-4.0

Inflation-Protected Debt

-5.6

Short-Term Debt

-6.3

Long-Term U.S. Treasury Debt

12.6 19.9 47.0 29.5 7.8

Periods greater than one year are annualized. Source: FMR *Difference between best- and worst-performing asset classes over the given time period You cannot invest directly in an index. Past performance is no guarantee of future results. U.S. Equities - Dow Jones U.S. Total Stock Market Index, Non-U.S. Developed-Markets Equities - MSCI World ex USA Net Mass, Emerging-Markets Equities MSCI Emerging Markets Index, Commodities - Bloomberg Commodity Index Total Return, High-Yield Debt - ICE BofA U.S. High Yield Constrained Index, Floating-Rate Debt - S&P/LSTA Leveraged Performing Loan Index, International Debt - Bloomberg Global Aggregate Credit Ex U.S. Index Hedged (USD), Emerging-Markets Debt - J.P. Morgan Emerging Markets Bond Index Global, Real Estate Debt - Fidelity Real Estate Income Composite Index, InvestmentGrade Debt - Bloomberg U.S. Aggregate Bond Index, Inflation-Protected Debt - Bloomberg U.S. 1-10 Year Treasury Inflation-Protected Securities (TIPS) Index (Series-L), Short-Term Debt - Bloomberg U.S. 3 Month Treasury Bellwether Index, Long-Term U.S. Treasury Debt - Bloomberg U.S. Long Treasury Index

2 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Q&A

Andrew Dierdorf Co-Manager

Fund Facts

Income 2010 2015 2020 2025 2030

Trading Symbol FIRMX FIRQX FIRSX FIRVX FIXRX FMRAX

Brett Sumsion Co-Manager

Start Date

08/30/2007 08/30/2007 08/30/2007 12/31/2007 12/31/2007 08/16/2019

Size (in millions)

$18.0 $6.7 $7.3 $10.3 $56.3 $34.5

Investment Approach

? Fidelity Managed Retirement FundsSM (the Funds) are intended for investors seeking to use the value of their account as a source of income during retirement. The name of each Fund refers to its "horizon date," the year closest to the one during which an investor turns 70.

? The Funds are actively managed and diversified among a broad group of underlying Fidelity mutual funds according to an asset allocation strategy that gradually becomes more conservative over time. The Funds are not set to automatically liquidate; ultimately, the Funds are expected to merge with Managed Retirement Income Fund.

? The Funds with longer time horizons will generally invest in a greater percentage of equity funds, while the Funds with shorter time horizons will emphasize fixed-income and short-term funds.

? The Funds employ a robust investment process focused on helping investors achieve their objectives during retirement by leveraging the depth and strength of Fidelity's investment research and resources.

An interview with Co-Portfolio Managers Andrew Dierdorf and Brett Sumsion

Q: Andrew, how did Fidelity? Managed Retirement Funds perform for the fiscal year ending July 31, 2022

A.D. Returns for the Retail Class shares of Fidelity? Managed Retirement Funds (excluding sales charges, if applicable) ranged from roughly -8% to -10% the past 12 months, with performance trending higher among Funds for investors with a shorter retirement horizon. Each Fund lagged its Composite index for the period.

(For specific Fund results, please refer to the Performance Summaries.)

Q: How would you characterize the market environment the past 12 months

A.D. There was a lot of uncertainty within the capital markets, coinciding with volatility and broad-based declines among most asset classes. While negative returns are not something that anyone is pleased with for any given time period, we recognize that most asset classes can experience a downturn over short-term periods, as has been the case throughout the history of the capital markets. So far in 2022, investors have faced a number of macroeconomic factors that have led to increased uncertainty, including rising inflation, higher interest rates, Russia's invasion of Ukraine and growing concerns about economic growth.

Most major U.S. equity indexes declined to bear-market territory amid these headwinds and the U.S. Federal Reserve's moves to tighten monetary policy in an effort to contain soaring inflation. Growth stocks underperformed value stocks, as rising rates caused compression in the valuations of companies that have yet to achieve positive earnings and cash flow, but expect to do so in the future.

Inflation had already been on the rise throughout 2021 due to supply-chain congestion caused by the COVID-19 pandemic. Then, the conflict in Ukraine occurred, which contributed to higher prices of crude oil, natural gas and industrial metals, as well as a number of agricultural commodities. And although commodity prices took a step back in June, the annualized U.S. inflation rate exceeded 8% for several months late in the period, with June the highest, at 9.1%. These readings were well above the Fed's 2% target.

3 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Given the elevated level of U.S. inflation, the Fed began to tighten monetary policy by raising its key rate 0.25% in March ? the first Fed rate hike since December 2018. A 0.50% increase followed at the central bank's May meeting, and hikes in both June and July were even larger, at 0.75% each, with more increases expected.

Further, in June the Fed began reducing its $9 trillion asset portfolio by allowing up to billions in Treasuries and mortgage bonds to mature every month without investing the proceeds, holdings of Treasuries and other securities, a procedure known as quantitative tightening.

Q: What lessons can be learned from such a challenging period

A.D. In environments such as this, maintaining a diversified portfolio like those we aim for in managing the Managed Retirement Funds can be helpful. Although most asset classes declined on a year-to-date basis through July 31, there was variation in the magnitude of results.

For example, non-U.S. equities returned -15.13%, according to the MSCI ACWI (All Country World Index) ex USA Index, while U.S. equities returned -7.78% (Dow Jones U.S. Total Stock Market Index) and U.S. investment-grade bonds returned -9.12%, as measured by the Bloomberg U.S. Aggregate Bond Index.

By comparison, short-term Treasury Inflation-Protected Securities gained 1.54% (Bloomberg U.S. TIPS 0-5 Year Index) and short-term debt securities were about flat for the period, providing some ballast to the Funds.

The varied returns of multiple asset classes is a key reason why having a diversified portfolio can provide more-stable risk-adjusted returns over time. Each asset class has varying exposure to factors such as the pace of economic growth, the direction of interest rates and the rate of corporate earnings growth, all of which tend to influence performance.

Q: Brett, what notably influenced the Portfolios' performance versus Composite indexes

B.S. Active security selection among non-U.S. equities detracted most, especially emerging-markets equities. In particular, our investment in Fidelity? Series Emerging Markets Opportunities Fund (-26.20%) hurt relative results, as it underperformed its benchmark, the MSCI Emerging Markets Index (-20.08%).

Within U.S. equities, Fidelity? Series Blue Chip Growth Fund (-22.51%) lagged the -11.93% result of its benchmark, the Russell 1000 Growth Index.

Conversely, our investment Fidelity? Series Small Cap Opportunities Fund, within U.S. equities, contributed to the Portfolios' relative results. The fund returned -7.62%,

outpacing the -14.29% result of its benchmark, the Russell 2000? Index.

Q: What impact did asset allocation have on the Portfolios' relative performance

B.S. Overall, top-down, active asset allocation decisions contributed to performance versus Composite indexes for the 12 months.

Out-of-Composite exposure to commodities was particularly helpful, as the fund's allocation to this asset class gained 26.51% for the reporting period.

Within equities, overweight exposure to value-oriented funds contributed to relative results, given the style's outperformance of growth.

Meanwhile, underweighting U.S. investment-grade bonds held back the Portfolios' performance versus Composites, as the asset class outperformed.

Q: Andrew, what will you be watching for the remainder of 2022

A.D. We remain focused on the long-term investment horizon and the objectives of the Funds. Managed Retirement Funds are designed invest with an asset allocation that supports a withdrawal strategy in retirement.

Our investment process emphasizes selecting strategic asset classes that provide long-term returns, independent sources of return and risk, and favorable implementation attributes. We strive to deliver compelling long-term outcomes through both strategic asset allocation and active management decisions.

Investment uncertainty and volatility are likely to remain elevated in the months ahead, thus our diversified approach and rigorous investment process, which are grounded in research, are important.

We continue to leverage Fidelity's global research resources, including asset allocation research, to closely monitor the global macroeconomic backdrop and market dynamics as they evolve and position the Funds in areas of the market where we see value.

As always, thank you for your confidence in us, and in Fidelity's investment management expertise.

[Editor's note: For more on the Funds' active positioning, please see the next portion of this shareholder update.]

4 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Co-Portfolio Manager Brett Sumsion on the Funds' active positioning:

"As of July 31, active positioning emphasizes assets for which we see a gap between the current price and our portfolio management team's view of fair value. We plan to continue to navigate market volatility by focusing on fundamentals (e.g., discount rates and cash flow, among many others) to determine the relative attractiveness of various investment opportunities. "Specifically, the Funds' active equity positioning emphasizes non-U.S. stocks in developed and emerging markets. In our view, non-U.S. equities have a more favorable distribution of outcomes than U.S. equities. Within non-U.S. equities, we believe emerging markets have better structural trends than developed-market economies, and thus we have a larger overweight to emerging-markets equities. "Inflation-sensitive assets have realized value amid recent inflationary stress, and we believe this category remains attractively valued as of July 31. Against the backdrop of supply pressure, rising wages and shelter prices, we continue to believe that market participants may be mispricing the potential for inflation. Our view is represented in the Funds by an out-of-Composite-allocation to commodities and a modest overweight exposure to Treasury Inflation-Protected Securities. "Our favorable view of inflation-protected securities is complemented by an underweight in nominal bonds. We believe investors are likely to earn returns for owning sovereign bonds that are not commensurate with the embedded risk. Thus, the Funds are underweight U.S. investment-grade bonds and international sovereign bonds. "Lastly, within U.S. equities, the Funds hold a greater allocation to value strategies than growth strategies. We believe an increase in inflation expectations may continue to cause investors to prefer companies with cash flow that will be realized over a shorter time horizon, such as value stocks."

5 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Fidelity Managed Retirement Income Fund FUND HOLDINGS BY ASSET CLASS

Holding U.S. Equities

Equities Series Lg Cap Value Idx Series Blue Chip Growth Series Large Cap Stock Srs Lg Cap Growth Idx Fd Series Value Discovery Ser Small Cap Opps

Commodities Series Commodity Stgy

Non-U.S. Equities Developed-Markets Equities Fid Series Overseas Fund Series Intl Growth Series Intl Value Series Canada Series Intl Index Fund Series Intl Small Cap Emerging-Markets Equities Ser Emerging Markets Opps Series Emerg Markets Fund

Bonds U.S. Investment-Grade Bond Ser Invt Grade Bond Ser Govt Bond Index Fund Srs Inv Grade Securitized

Portfolio Weight 8.42% 6.94% 2.07% 1.55% 1.09% 1.00% 0.76% 0.47% 1.49% 1.49% 13.72% 7.35% 1.76% 1.75% 1.72% 0.83% 0.73% 0.57% 6.37% 5.74% 0.63% 68.74% 38.75% 11.62% 11.24% 8.24%

Portfolio Weight Six Months Ago

8.12% 6.01% 1.81% 1.27% 0.97% 0.83% 0.69% 0.44% 2.12% 2.12% 13.37% 7.19% 1.65% 1.64% 1.81% 0.80% 0.73% 0.56% 6.19% 5.58% 0.61% 61.85% 38.88% 11.65% 11.02% 8.12%

Holding Series Corp Bond Fund

Long-Term U.S. Treasury Bond Ser LT Treasury Bd Idx

U.S. Interm-Term Inflation-Protected Bond U.S. Short-Term Inflation-Protected Bond

Series 0-5 YR TIPS Index U.S. Long-Term Inflation-Protected Bond

Series 5+ YR TIPS Index High-Yield Debt

Series High Income Floating-Rate Debt

Series Fltg Rate HI International Bond

Ser Int Dev Mkt Bond Indx Series Intl Credit Emerging-Markets Debt Series Emer Mkts Debt Series EM Debt Loc Curr Real Estate Debt Series Real Estate Inc Short-Term Debt & Net Other Assets Ser Treasury Bill Index Series ST Credit Series Government MM NET OTHER ASSETS

Portfolio Weight 7.65% 4.41% 4.41%

0.00%

Portfolio Weight Six Months Ago

8.09% 2.94% 2.94%

3.99%

19.75%

19.75%

0.10%

0.10% 0.55% 0.55% 0.10% 0.10% 4.07% 4.02% 0.04% 0.68% 0.51% 0.17% 0.33% 0.33% 9.12% 5.42% 1.82% 1.81% 0.06%

10.99%

10.99%

1.22%

1.22% 0.63% 0.63% 0.10% 0.10% 2.02% 1.98% 0.04% 0.70% 0.52% 0.18% 0.38% 0.38% 16.66% 9.95% 3.36% 3.32% 0.01%

6 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

FISCAL PERFORMANCE SUMMARY: Periods ending July 31, 2022

Cumulative

6 Month

YTD

1 Year

Annualized

3 Year

5 Year

10 Year/ LOF1

Fidelity Managed Retirement Income Fund Gross Expense Ratio: 0.45%2

-5.99%

-7.71%

-7.68%

2.06%

2.76%

4.23%

Bloomberg US Aggregate Bond Index

-6.14%

-8.16%

-9.12%

-0.21%

1.28%

1.65%

Fidelity Managed Retirement Income Composite Index

-5.07%

-7.15%

-6.67%

2.34%

3.25%

4.44%

Morningstar Fund Target-Date Retirement

-6.48%

-8.86%

-7.96%

2.85%

3.45%

3.93%

% Rank in Morningstar Category (1% = Best)

--

--

45%

88%

86%

46%

# of Funds in Morningstar Category

--

--

166

147

127

82

1 Life of Fund (LOF) if performance is less than 10 years. Fund inception date: 08/30/2007. 2 This expense ratio is from the prospectus in effect as of the date shown above and generally is based on amounts incurred during that fiscal year, or estimated amounts for the current fiscal year in the case of a newly launched fund. It does not include any fee waivers or reimbursements, which would be reflected in the fund's net expense ratio.

Past performance is no guarantee of future results. Investment return and principal value of an investment will fluctuate; therefore, you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance stated. Performance shown is that of the fund's Retail Class shares (if multiclass). You may own another share class of the fund with a different expense structure and, thus, have different returns. To learn more or to obtain the most recent month-end or other share-class performance, visit performance, institutional., or . Total returns are historical and include change in share value and reinvestment of dividends and capital gains, if any. Cumulative total returns are reported as of the period indicated. Please see the last page(s) of this Q&A document for most-recent calendarquarter performance.

7 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

PORTFOLIO MANAGER Q&A | AS OF JULY 31, 2022

Fidelity Managed Retirement 2010 Fund FUND HOLDINGS BY ASSET CLASS

Holding U.S. Equities

Equities Series Lg Cap Value Idx Series Blue Chip Growth Series Large Cap Stock Srs Lg Cap Growth Idx Fd Series Value Discovery Ser Small Cap Opps

Commodities Series Commodity Stgy

Non-U.S. Equities Developed-Markets Equities Fid Series Overseas Fund Series Intl Growth Series Intl Value Series Canada Series Intl Index Fund Series Intl Small Cap Emerging-Markets Equities Ser Emerging Markets Opps Series Emerg Markets Fund

Bonds U.S. Investment-Grade Bond Ser Invt Grade Bond Ser Govt Bond Index Fund Srs Inv Grade Securitized

Portfolio Weight 10.88% 9.39% 2.80% 2.10% 1.47% 1.35% 1.03% 0.66% 1.48% 1.48% 15.27% 8.47% 2.02% 2.01% 1.98% 0.96% 0.84% 0.66% 6.80% 6.13% 0.67% 65.89% 37.12% 11.14% 10.77% 7.89%

Portfolio Weight Six Months Ago

11.02% 8.83% 2.68% 1.84% 1.45% 1.20% 1.02% 0.64% 2.19% 2.19% 15.35% 8.57% 1.98% 1.98% 2.14% 0.95% 0.86% 0.66% 6.78% 6.10% 0.68% 58.90% 37.25% 11.17% 10.55% 7.77%

Holding Series Corp Bond Fund

Long-Term U.S. Treasury Bond Ser LT Treasury Bd Idx

U.S. Interm-Term Inflation-Protected Bond U.S. Short-Term Inflation-Protected Bond

Series 0-5 YR TIPS Index U.S. Long-Term Inflation-Protected Bond

Series 5+ YR TIPS Index High-Yield Debt

Series High Income Floating-Rate Debt

Series Fltg Rate HI International Bond

Ser Int Dev Mkt Bond Indx Series Intl Credit Emerging-Markets Debt Series Emer Mkts Debt Series EM Debt Loc Curr Real Estate Debt Series Real Estate Inc Short-Term Debt & Net Other Assets Ser Treasury Bill Index Series ST Credit Series Government MM NET OTHER ASSETS

Portfolio Weight 7.33% 4.50% 4.50%

0.00%

Portfolio Weight Six Months Ago

7.76% 2.97% 2.97%

3.66%

17.30%

17.30%

1.27%

1.27% 0.55% 0.55% 0.10% 0.10% 4.09% 4.01% 0.08% 0.68% 0.51% 0.17% 0.28% 0.28% 7.96% 4.73% 1.59% 1.58% 0.04%

9.46%

9.46%

1.80%

1.80% 0.59% 0.59% 0.10% 0.10% 1.99% 1.91% 0.08% 0.70% 0.52% 0.18% 0.38% 0.38% 14.73% 8.77% 2.99% 2.92% 0.05%

8 | For definitions, fund risks and other important information, please see the Definitions and Important Information section of this Q&A.

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