1. Source: Morningstar. Investing involves risk. Past performance does not guarantee or indicate future results. Time periods represented by the average of annual standard deviation from 1/1/90 to 12/31/99 and from 1/1/2000 to 12/31/15. Reflects volatility only for the periods indicated. Use of other beginning or ending points, or of a longer or shorter period, would have different results.