% Top 10 - the percentage of a fund's net assets that are invested in its 10 largest holdings. This figure indicates a fund's level of conviction in its top holdings and can be an indicator of potential risk. Earnings growth - the rate of growth in a company's profit, calculated after a company pays taxes and preferred shareholders as well as bondholders. A higher earnings growth rate indicates a company's profit strength. Market cap (capitalization) - the current value of a firm, determined by multiplying the number of common shares it has outstanding by the price per share. Companies are usually ranked as large caps, mid caps, or small caps, with large caps generally considered more stable and less volatile, while midsize and small companies can be more volatile while offering long-term growth potential. MSCI World Consumer Discretionary & Consumer Staples Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the consumer discretionary & consumer staples sector. MSCI World Energy & Materials Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the energy and materials sector. MSCI World Financials Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the financial sector. MSCI World Health Care Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the health care sector. MSCI World Industrials Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the industrial sector. MSCI World Information Technology Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the information technology sector. MSCI World Telecommunications Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the telecommunications sector. MSCI World Utilities Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets in the utilities sector. MSCI World Index is an unmanaged index of equity securities from developed countries. Non-U.S. - securities that trade on exchanges outside the United States or companies headquartered outside the United States. Price/cash flow - the price of a stock divided by the company's cash flow per share, usually measured over the company's most recent fiscal year. This measure indicates how much investors are paying for a company's ability to generate cash flow. Because of differences in global accounting methods, it is often a more effective way of comparing U.S. and non-U.S. companies than the price-earnings multiple. Return on equity - the amount, expressed in percent, earned on a company's common stock investment in a given period. This measure indicates how well a company is employing its capital. It is calculated by dividing a company's common stock equity at the beginning of a period by company income earned over the period as a whole.