Mutual Funds Performance at a Glance
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- Lorraine Hampton
- 6 years ago
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1 This performance data represents past performance. Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor s shares, when redeemed, may be worth more or less than the original cost. Current performance may be higher or lower than the performance data quoted. For current performance information as of the most recent monthend, please visit our web site at foresters.com. Mutual s Performance at a Glance March 2018 For the period ending Not to be used after 51018
2 Notes First Investors s Money Market a MONEY MARKET FUNDS a An investment in the Government Cash Management ( ) is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the. Advisory fees were waived and certain expenses reimbursed on the through 3/31/18. Therefore, yields on this were higher than they would have been had fees not been waived. CLASS A AND B SHARE PERFORMANCE AND RISKS b c d e f g Performance of Class B shares will differ from Class A shares because each class is sold pursuant to different sales arrangements and bears different expenses. Redemptions of Class B shares may be subject to a deferred sales charge. All Total Return figures for the s assume that all dividends and distributions have been reinvested at NAV. SEC Total Return figures assume the payment of the maximum sales charge in the case of Class A shares and the applicable contingent deferred sales charge ( CDSC ) in the case of Class B shares. NAV Total Returns are calculated without a sales charge or CDSC. The maximum sales charge on Class A shares is 5.75% for Equity s and 4% for Income and Tax Exempt s, except for Floating Rate and Limited Duration High Quality Bond which is 2.5%. The maximum CDSC on Class B shares is 4%, declining to 1% over six calendar years, after which there is no CDSC. Class B shares will automatically convert to Class A shares approximately eight years after the date of purchase. There is no sales charge on dividend or capital gain reinvestments. In addition, some of the fees and/or expenses of certain s (both Class A and Class B shares) were either waived or assumed during certain periods. Total Return figures would have been lower if fees and/or expenses had not been waived or assumed. Refers to Total Returns since inception date if period is less than 10 years. The Hedged U.S. Equity Opportunities, International, Global and International Opportunities Bond s invest in foreign securities. Foreign investments involve additional risks, including risks arising from currency fluctuations, government regulation, unfavorable political or legal developments, differences in financial reporting standards, and less stringent regulation of foreign securities markets. Strategic Income invests in underlying funds that invest in these types of securities. These s invest in small and midcap stocks. These stocks tend to experience sharper price fluctuations than largecap stocks. The additional volatility associated with small to midcap stocks is attributable to a number of factors, including the fact that the earnings of small to midsize companies tend to be less predictable than those of larger, more established companies. Strategic Income invests in underlying funds that invest in these types of securities. The is associated with the risks of investing in the real estate industry. In addition, investments in REITs are subject to additional risks, including those related to adverse governmental actions, declines in property value, and the potential failure to qualify for taxfree pass through of income and exemption from registration as an investment company. Investments in REITs may be volatile. REITs are pooled investment vehicles with their own expenses, and the Strategic Income invests in underlying funds that invest in these types of securities. The Covered Call Strategy and Equity Income s invest in covered calls. Writing call options to generate income and to potentially hedge against market declines involves risks, such as potential losses if equity markets or an individual equity security do not move as expected and the potential for greater losses than if these techniques had not been used. By writing covered call options, the will give up the opportunity to benefit from potential increases in the value of a asset above the strike price, but will bear the risk of declines in the value of the asset. Strategic Income invests in underlying funds that invest in these types of securities. h. The Hedged U.S. Equity Opportunities uses hedging to limit downside risks, but it also will limit the s return potential. Hedging activities involve fees and expenses, which can further reduce the s returns. i. The Long Short s short strategy depends on counterparties from which the borrows securities. The must pool collateral when borrowing securities and the is subject to the risk of default by a counterparty, which could result in a loss of collateral and money owed to the. j k l m n o p The For Income and to a certain extent Floating Rate, Balanced Income, Investment Grade, Limited Duration Bond, and Total Return s seek a high level of current income by investing in highyield bonds (junk bonds). The issuers of the bonds pay higher interest rates because they have a greater likelihood of financial difficulty, which could result in their inability to repay the bonds fully when due. Prices of junk bonds are also subject to greater fluctuations. Strategic Income invests in underlying funds that invest in these types of securities. The Floating Rate and to a certain extent For Income seek a high level of current income by investing in floating rate loans and/or bonds, generally below investment grade (junk bonds). The issuers of the floating rate loans and bonds pay higher interest rates because they have a greater likelihood of financial difficulty, which could result in their inability to repay the loans and/or bonds when due. Strategic Income invests in underlying funds that invest in these types of securities. These funds generally attempt to purchase high quality municipal securities that are: (a) rated as investment grade, at the time of purchase, by at least one nationally recognized statistical rating organization, such as Moody s Investors Service, Inc., Standard & Poor s Ratings Service, or Fitch Ratings; or (b) if unrated, are determined by the s Adviser to be of investment grade quality. To a lesser extent, the Tax Exempt Income and Tax Exempt Opportunities s may invest in high yield, below investment grade municipal bonds (commonly known as high yield or junk bonds ). Strategic Income invests in underlying funds that invest in these types of securities. SEC yield and taxable equivalent yield calculations are for the 30 day period ended 3/31/18. The taxable equivalent yield calculations are based upon an assumed 37% federal tax rate. The distribution rates are calculated by adding the dividends for the last 12 months and dividing the sum by the s net asset value per share as of the end of that period. Dividends, if any, are distributed monthly for all income funds. Capital gains, if any, are distributed annually. Total annual fund operating expenses are gross any of fee waivers as set forth in the current prospectus. SALES CHARGES AND DEALER CONCESSIONS Rule 12b1 fees are currently being paid by the s. q There is no sales charge for transactions of shares of First Investors funds of $1 million and over into one account. Foresters Financial will pay a concession equal to 0.90% of the amount invested to dealers on such purchases. A CDSC of 1.00% will be deducted from the redemption proceeds except in certain circumstances. The CDSC will be calculated in the same manner as the CDSC on the Class B shares. r Discount calculator: Divide this factor into net asset value to determine discounted offering price. s Class B shares automatically convert into Class A shares after approximately eight years. 7 Day 7 Day 30 Day 12 Divi Assets Total Date Objective Yield Effective Yield Month dend (in Ann. Nasdaq Yield Yield Freq millions) Operating Symbol Expenses p TAXABLE MONEY MARKET Government Cash Management A Shares 10/16/78 High rate of current income consistent with the 1.01% 1.02% 0.93% 0.40% Monthly $ % FICXX preservation of Government Cash Management B Shares 1/12/95 capital and maintenance of liquidity 0.00% 0.00% 0.00% 0.00% Monthly $ % Sales Charges and Dealer Concessions Equity s Amount of Purchase Sales Charges Dealer Concessions Discount Calculator r Class A Shares F irst Investo rs Equity F unds* less than $50, % 5.00% 94.25% M inimum Initial Purchase: $1,000 $50,000$99, % 4.00% 95.25% (nonretirement accounts) $100,000$249, % 3.00% 96.25% *Effective January 8, 2018 $250,000$499, % 2.25% 97.25% $500,000$999, % 1.75% 98.00% $1,000,000+ q 0.00% 0.90% Income s* & Tax Exempt s Amount of Purchase Sales Charges Dealer Concessions Discount Calculator r Class A Shares F irst Investo rs Inco me F unds* & T ax Exempt F unds less than $100, % 3.75% 96.00% *Except Limited Duration & Floating Rate s $100,000$249, % 3.25% 96.50% M inimum Initial Purchase: $1,000 $250,000$499, % 2.25% 97.50% (nonretirement accounts) $500,000$999, % 1.75% 98.00% $1,000,000+ q 0.00% Limited Duration & Floating Rate s Amount of Purchase Sales Charges Dealer Concessions Discount Calculator r Class A Shares Limited D uratio n H igh Quality B o nd F und & F lo ating R ate F und less than $100, % 2.25% 97.50% $100,000$249, % 1.50% 98.25% M inimum Initial Purchase: $1,000 $250,000$499, % 1.00% 98.75% (nonretirement accounts) $500,000$999, % 0.85% 99.00% Class B Shares s Contingent Deferred Sales Charge $1,000,000+ q 0.00% % 4% 3% 3% 2% 1% 0% 0% Dealer Concession 3.5%
3 First Investors s A Equity s A Shares Date Objective Average Annual Average Annual Nasdaq Cumulative Cumulative FOREIGN 1 yr. 5 yr. 10yr.orLife c 1 yr. 5 yr. 10yr.orLife c International d,e 6/27/06 Longterm capital growth 8.58% 3.68% 3.12% 15.21% 4.91% 3.73% FIINX 19.79% 36.01% 27.09% 44.26% Global d,e 11/16/81 Longterm capital growth 9.21% 8.72% 4.97% 15.86% 10.03% 5.60% Dividend History Dividends Distribution NAV Assets Total (last 3 months) Capital Frequency o Offering (in millions) Annual Gains Price (last 12 (As of (As of Operating Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p $ Annually $16.02 $ % $17.00 $ Annually $8.45 $ % GROWTH FIISX 51.92% 62.41% 61.26% 72.43% $ $8.97 Opportunity e 8/24/92 Longterm capital growth 4.29% 9.26% 8.67% 10.65% 10.56% 9.31% $ Annually $40.39 $1, % FIUSX 55.71% % 65.21% % $ $42.85 Select Growth e 10/25/00 Longterm growth of 14.98% 12.99% 7.65% 22.00% 14.34% 8.29% FICGX capital 84.19% % 95.44% % Growth & Income e 10/4/93 Longterm growth of 3.08% 8.29% 7.42% 9.42% 9.58% 8.06% FGINX capital and current income 48.90% % 58.01% % VALUE Special Situations e 9/18/90 Longterm growth of 4.36% 8.95% 8.51% 10.74% 10.25% 9.15% FISSX capital 53.50% % 62.86% % Equity Income e,g 2/22/93 Total return 1.63% 8.07% 6.63% 7.79% 9.34% 7.26% $ Annually $11.93 $ % $ $12.66 $ Quarterly $22.93 $1, % $ $24.33 $ Annually $30.96 $ % $ $32.85 $ $ Quarterly $10.48 $ % REAL ESTATE FIUTX 47.40% 89.99% 56.30% % $ $11.12 Real Estate e,f 4/6/15 Total return 12.52% 3.81% 7.17% 1.88% FIRDX 10.94% 5.51% MIXED ASSET ALLOCATION Total Return e,j 4/24/90 High longterm total 0.45% 4.77% 5.86% 5.63% 6.03% 6.49% FITRX investment return 26.27% 76.70% 33.98% 87.54% consistent with moderate $ $ Quarterly $8.76 $ % $ $9.29 $ $ Quarterly $19.63 $ % $ $20.83 investment risk OPTION Covered Call 4/1/16 Longterm capital 2.64% 3.47% 3.25% 6.59% Strategy e,g FRCCX appreciation 7.04% 13.57% HEDGED EQUITY $ $ Quarterly $11.14 $ % $11.82 Hedged U.S. Equity Opportunities d,e,h LONG SHORT Long Short e,i 8/1/16 Total return and 2.00% 3.31% 8.21% 7.06% FHEJX secondarily, capital 5.56% 12.00% preservation 12/1/16 Capital appreciation 5.68% 2.28% 0.10% 2.18% FRLBX 3.02% 2.90% Annually $11.20 $ % $11.88 Annually $6.05 $ % $6.05
4 First Investors s Income s A Shares Date Objective Average Annual Average Annual SEC Equiva Distri (last 3 months) Capital Offering (in millions) Annual Nasdaq Cumulative Cumulative Yield m lent bution Gains Price HIGH YIELD 1 yr. 5 yr. 10yr.orLife c 1 yr. 5 yr. 10yr.orLife c For Income j,k 1/1/71 High current income 0.91% 2.64% 4.91% 3.07% 3.48% 5.32% FLOATING RATE FIFIX 13.94% 61.43% 18.66% 67.96% Floating Rate j,k 10/18/13 High level of current 0.70% 1.63% 3.30% 2.22% FOREIGN BOND International Opportunities d INVESTMENT GRADE FRFDX income 7.46% 10.26% 8/17/12 Total return consisting of 6.79% 0.47% 1.15% 11.30% 1.30% 1.89% FIOBX income and capital 2.37% 6.64% 6.67% 11.12% Investment Grade j 2/19/91 Maximum level of income 2.75% 1.17% 3.75% 1.31% 2.01% 4.17% FUND OF FUNDS d,e,f,g,h,j,k,l FIIGX consistent with 5.99% 44.50% 10.45% 50.45% Strategic Income 4/3/13 High level of current 1.76% 1.16% 2.29% 2.00% GOVERNMENT FSIFX income 5.95% 10.40% Government 8/6/84 Significant level of current 4.15% 0.66% 1.85% 0.21% 0.15% 2.27% LIMITED DURATION Limited Duration Bond j appreciation MIXED ASSET ALLOCATION investment in investment grade debt securities FIGVX income consistent with 3.26% 20.08% 0.77% 25.11% security and liquidity of principal 5/19/14 Current income 2.73% 0.57% 0.27% 0.09% FLDKX consistent with low 2.19% 0.36% volatility of principal A Taxable Dividend History Dividends o NAV Assets Total Yield m Rate n (last 12 (As of (As of Operating (As of 3/31/18) Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p 5.61% 5.19% $ $ $ $ $2.44 $ % $ % 3.15% $ $ $ $ $9.68 $ % $ % 4.71% $ $ $ $ $9.55 $ % $ % 3.52% $ $ $ $ $9.35 $ % $ % $ $ $ $ $9.32 $ % $ % 2.06% $ $ $ $ $10.20 $ % $ % 2.35% $ $ $ $ $9.24 $ % $9.48 Balanced Income j 10/1/15 Income and secondarily 0.23% 3.81% 3.99% 5.54% FBIJX capital appreciation 9.81% 14.42% TAX EXEMPT MUNICIPAL SINGLE STATE l California 2/23/87 High level of interest income that 2.41% 1.80% 3.87% 1.69% 2.64% 4.30% is exempt from both federal and state income tax for individual 9.32% 46.20% 13.90% 52.31% FICAX residents of a particular state. Each also seeks income that Connecticut 10/8/90 is not a tax preference item for 3.23% 0.86% 3.20% 0.80% 1.68% 3.63% purposes of the Alternative FICTX Minimum Tax ("AMT"). 4.36% 37.08% 8.70% 42.85% 1.39% 2.20% $ $ $ $ $10.80 $ % $ $ % 2.24% 3.34% $ $ $ $ $12.40 $ % $ % 2.81% 3.24% $ $ $ $ $12.88 $ % $13.42
5 First Investors s Income s A Shares Taxable Dividend History Dividends o NAV Assets Total Date Objective Average Annual Average Annual SEC Equiva Distri (last 3 months) Capital Offering (in millions) Annual Nasdaq Cumulative Cumulative Yield m lent bution Gains Price TAX EXEMPT MUNICIPAL SINGLE STATE l 1 yr. 5 yr. 10 yr. 1 yr. 5 yr. 10 yr. Massachusetts 1/1/ % 1.03% 3.32% 0.98% 1.86% 3.74% FIMAX 5.28% 38.66% 9.65% 44.39% Michigan 1/1/ % 1.19% 3.38% 1.16% 2.02% 3.80% FTMIX 6.08% 39.40% 10.53% 45.27% Minnesota 1/1/ % 0.72% 3.23% 1.13% 1.54% 3.65% FIMNX 3.64% 37.40% 7.94% 43.10% New Jersey 9/13/ % 1.13% 3.48% 1.71% 1.95% 3.91% FINJX 13.94% 40.83% 18.66% 46.73% New York 6/4/ % 1.09% 3.35% 1.07% 1.92% 3.77% FNYFX High level of interest income that is exempt from both 5.55% 39.07% 9.96% 44.84% North Carolina 5/4/92 federal and state income tax for individual residents of a 2.81% 0.77% 3.37% 1.24% 1.59% 3.79% FMTNX particular state. Each 3.90% 39.26% 8.19% 45.10% also seeks income that is not Ohio 1/1/87 a tax preference item for 3.17% 1.10% 3.26% 0.83% 1.93% 3.68% FIOHX purposes of the Alternative Minimum Tax ("AMT"). 5.62% 37.88% 10.04% 43.57% Oregon 5/4/ % 0.83% 3.41% 1.60% 1.65% 3.84% FTORX 4.20% 39.84% 8.54% 45.74% Pennsylvania 4/30/ % 1.36% 3.75% 1.47% 2.18% 4.17% FTPAX 6.97% 44.49% 11.41% 50.50% Virginia 4/30/ % 0.96% 3.21% 1.76% 1.79% 3.63% FIVAX 4.88% 37.22% 9.28% 42.90% TAX EXEMPT MUNICIPAL NATIONAL l A Yield m Rate n (last 12 (As of (As of Operating (As of 3/31/18) Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p 1.08% 1.81% 3.55% $ $ $ $ $11.43 $ % $ % 2.42% 3.76% $ $ $ $ $11.65 $ % $ % 2.57% 3.30% $ $ $ $ $11.68 $ % $ % 2.46% 3.42% $ $ $ $ $12.53 $ % $ % 2.90% 3.48% $ $ $ $ $13.90 $ % $ % 2.45% 3.36% $ $ $ $ $12.93 $ % $ % 2.32% 3.78% $ $ $ $ $12.00 $ % $ % 2.66% 3.23% $ $ $ $ $13.13 $ % $ % 2.15% 3.88% $ $ $ $ $12.66 $ % $ $ % 2.27% 2.96% $ $ $ $ $12.73 $ % $13.26 Tax Exempt Income l 8/3/77 High level of interest income 3.07% 1.05% 3.32% 1.02% 1.89% 3.74% FITAX that is exempt from federal income tax and not a tax 5.37% 38.65% 9.81% 44.39% preference item for purposes Tax Exempt of the Alternative Minimum 7/26/90 Tax ("AMT"). Secondarily, 2.73% 1.44% 4.19% 1.33% 2.27% 4.61% Opportunities l total return in the case of EIITX Tax Exempt Opportunities. 7.39% 50.68% 11.87% 56.96% 1.79% 2.84% 3.87% $ $ $ $ $9.23 $ % $ % 2.63% 3.66% $ $ $ $ $16.18 $ % $16.85
6 First Investors s B Equity s B Shares Dividend History Dividends Distribution NAV Assets Total Date Objective Average Annual Average Annual Nasdaq Cumulative Cumulative (last 3 months) Capital Frequency o Offering (in millions) Annual Gains Price (last 12 (As of (As of Operating Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p FOREIGN 1 yr. 5 yr. 10yr.orLife c 1 yr. 5 yr. 10yr.orLife c International d,e 6/27/06 Longterm capital growth 10.26% 3.69% 3.16% 14.26% 4.03% 3.16% FIIOX 19.86% 36.48% 21.86% 36.48% Global d,e 1/12/95 Longterm capital growth 10.93% 8.86% 4.97% 14.93% 9.14% 4.97% FIBGX 52.88% 62.42% 54.88% 62.42% Annually $14.90 $ % $ Annually $6.55 $ % $ GROWTH Opportunity e 1/12/95 Longterm capital growth 5.81% 9.44% 8.65% 9.81% 9.72% 8.65% FIMBX 57.01% % 59.01% % Select Growth e 10/25/00 Longterm growth of 17.07% 13.20% 7.60% 21.07% 13.44% 7.60% FIGBX capital 85.87% % 87.87% % Growth & Income e 1/12/95 Longterm growth of 4.54% 8.44% 7.37% 8.54% 8.73% 7.37% FGIBX capital and current income 49.98% % 51.98% % $ Annually $31.01 $ % $ Annually $9.89 $ % $ $ $ Quarterly $21.24 $ % $ VALUE Special Situations e 1/12/95 Longterm growth of 5.89% 9.08% 8.50% 9.89% 9.37% 8.50% FISBX capital 54.46% % 56.46% % Equity Income e,g 1/12/95 Total return 2.86% 8.15% 6.55% 6.86% 8.44% 6.55% FIUBX 47.95% 88.63% 49.95% 88.63% Annually $23.14 $ % $ $ $ Quarterly $10.26 $ % $ MIXED ASSET ALLOCATION Total Return e,j 1/12/95 High longterm total 0.80% 4.88% 5.85% 4.80% 5.21% 5.85% FBTRX investment return 26.89% 76.52% 28.89% 76.52% consistent with moderate $ $ Quarterly $19.30 $ % $ investment risk
7 First Investors s Income s B Shares Date Objective Average Annual Average Annual SEC Equiva Distri (last 3 months) Capital Offering (in millions) Annual Nasdaq Cumulative Cumulative Yield m lent bution Gains Price HIGH YIELD 1 yr. 5 yr. 10 yr. 1 yr. 5 yr. 10 yr. For Income j,k 1/12/95 High current income 1.39% 2.36% 4.70% 2.55% 2.69% 4.70% B FIFJX 12.36% 58.25% 14.20% 58.25% Taxable Dividend History Dividends o NAV Assets Total Yield m Rate n (last 12 (As of (As of Operating (As of 3/31/18) Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p 5.01% 4.24% $ $ $ $ $2.45 $ % INVESTMENT GRADE Investment Grade j 1/12/95 Maximum level of income 3.39% 0.75% 3.57% 0.54% 1.10% 3.57% FIIHX consistent with 3.78% 42.03% 5.61% 42.03% investment in investment grade debt securities GOVERNMENT Government 1/12/95 Significant level of current 5.04% 1.05% 1.66% 1.13% 0.68% 1.66% FIGYX income consistent with 5.15% 17.85% 3.34% 17.85% security and liquidity of principal TAX EXEMPT MUNICIPAL SINGLE STATE l Connecticut 1/12/ % 0.58% 3.04% 0.03% 0.94% 3.04% FICUX High level of interest 2.92% 34.89% 4.77% 34.89% Massachusetts 1/12/95 income that is exempt 3.56% 0.80% 3.15% 0.34% 1.16% 3.15% FIMGX from both federal and state income tax for 4.07% 36.37% 5.92% 36.37% Michigan 1/12/95 individual residents of a 3.44% 0.93% 3.21% 0.46% 1.28% 3.21% particular state. Each FTMJX also seeks income 4.72% 37.13% 6.56% 37.13% Minnesota 1/12/95 that is not a tax preference item for 3.50% 0.42% 3.05% 0.42% 0.78% 3.05% FIMOX purposes of the 2.14% 35.11% 3.96% 35.11% New Jersey 1/12/95 Alternative Minimum Tax ("AMT"). 3.01% 0.81% 3.32% 0.93% 1.16% 3.32% FINKX 4.09% 38.57% 5.94% 38.57% 1.93% 2.51% $ $ $ $ $9.31 $ % 0.39% 1.12% $ $ $ $ $10.18 $ % 0.94% 1.60% 2.38% $ $ $ $ $12.89 $ % 0.48% 0.80% 2.82% $ $ $ $ $11.41 $ % 0.79% 1.31% 3.07% $ $ $ $ $11.60 $ % 0.78% 1.34% 2.50% $ $ $ $ $11.63 $ % 0.77% 1.31% 2.64% $ $ $ $ $12.46 $ %
8 First Investors s Income s B Shares Date Objective Average Annual Average Annual SEC Equiva Distri (last 3 months) Capital Offering (in millions) Annual Nasdaq Cumulative Cumulative Yield m lent bution Gains Price TAX EXEMPT MUNICIPAL SINGLE STATE l 1 yr. 5 yr. 10yr. 1 yr. 5 yr. 10yr. New York 1/12/ % 0.83% 3.19% 0.35% 1.18% 3.19% B FNYGX 4.23% 36.90% 6.06% 36.90% Taxable Dividend History Dividends o NAV Assets Total Yield m Rate n (last 12 (As of (As of Operating (As of 3/31/18) Jan Feb Mar months) 3/31/18) 3/31/18) Expenses p 1.09% 1.86% 2.76% $ $ $ $ $13.88 $ % North Carolina 1/12/95 High level of interest 3.36% 0.47% 3.22% 0.55% 0.83% 3.22% FMTQX income that is exempt from both federal and 2.39% 37.27% 4.20% 37.27% Ohio 1/12/95 state income tax for 3.96% 0.68% 3.04% 0.07% 1.04% 3.04% FIOJX individual residents of a particular state. Each 3.47% 34.90% 5.32% 34.90% Oregon 1/12/95 also seeks income that is not a tax 4.26% 0.26% 3.23% 0.34% 0.62% 3.23% FTOBX preference item for 1.32% 37.47% 3.16% 37.47% Pennsylvania 1/12/95 purposes of the Alternative Minimum 3.28% 1.00% 3.56% 0.61% 1.35% 3.56% FTPDX Tax ("AMT"). 5.10% 41.85% 6.93% 41.85% Virginia 1/12/ % 0.50% 3.00% 1.05% 0.86% 3.00% FIVBX 2.51% 34.33% 4.37% 34.33% TAX EXEMPT MUNICIPAL NATIONAL l Tax Exempt Income l 1/12/95 High level of interest income 3.62% 0.78% 3.14% 0.27% 1.13% 3.14% that is exempt from federal FITCX income tax and not a tax 3.98% 36.18% 5.78% 36.18% preference item for purposes Tax Exempt 12/18/00 of the Alternative Minimum 3.32% 1.17% 4.03% 0.59% 1.53% 4.03% Opportunities l EIIUX Tax ("AMT"). Secondarily, total return in the case of 5.97% 48.38% 7.87% 48.38% Tax Exempt Opportunities. 0.93% 1.56% 2.67% $ $ $ $ $12.89 $ % 0.49% 0.82% 2.70% $ $ $ $ $12.01 $ % 0.66% 1.16% 1.76% $ $ $ $ $13.00 $ % 0.60% 0.98% 3.12% $ $ $ $ $12.55 $ % $ % 1.30% 2.10% $ $ $ $ $12.63 $ % 0.94% 1.49% 3.13% $ $ $ $ $9.19 $ % 1.02% 1.62% 2.87% $ $ $ $ $16.10 $ %
9 General Information For fund information, account information and updates, telephone transactions and wire orders (Broker/Dealers) call us at: (800) For account information and revisions (Clients Only) call us at: (800) (MondayFriday, 9:00 a.m. 5:00 p.m. EST) (MondayFriday, 9:00 a.m. 6:00 p.m. EST) Mailing Address: Regular Mail Express Mail Foresters Investor Services, Inc. Foresters Investor Services, Inc. P. O. Box 7837 Raritan Plaza I Edison, NJ Edison, NJ This brochure must be preceded or accompanied by a prospectus for the First Investors s. You should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds, and should be read carefully before you invest or send money. An investment in a fund is not a bank deposit and is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Foresters Financial Services, Inc. 40 Wall Street New York, NY BDGLANCE 3/18
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