Morningstar Total Return Bond Fund (MSTRX) Diversifiers

The investment seeks to maximize total return while also generating income and preserving capital. The fund will normally invest at least 80% of its assets in debt securities (commonly referred to as "bonds") of varying maturity, duration, and quality. It invests primarily in investment-grade fixed-income securities. The fund may also invest up to 20% of its assets in fixed-income securities that are rated below investment grade (commonly known as junk bonds), or if unrated, are determined by the fund's subadviser(s) to be of comparable quality.