1For certain strategies, a CIT has not yet been approved and/or established by MHTC. It may take 12 weeks or more to setup a new CIT, and a minimum initial funding amount may be required.
Riskier assets are defined as equity, REITS, and commodities.
Keep in mind, no investment strategy, including allocate, diversify and rebalance, can guarantee a profit or prevent against a loss.
Important risk considerations
MFS Lifetime Income Fund/Trust: The fund may not achieve its objective and/or you could lose money on your investment in the fund. There is no guarantee that the fund will provide adequate income at and through your retirement.
MFS Lifetime 2030 - 2070 Funds/Trusts: The fund may not achieve its objective and/or you could lose money on your investment in the fund. You may experience losses near, at, or after the target date. There is no guarantee of the fund's principal value, including at the target date, or that the fund will provide adequate income at and through your retirement. ■ Stock: Stock markets and investments in individual stocks are volatile and can decline significantly in response to or investor perception of, issuer, market, economic, industry, political, regulatory, geopolitical, environmental, public health, and other conditions. ■ Bond: Investments in debt instruments may decline in value as the result of, or perception of, declines in the credit quality of the issuer, borrower, counterparty, or other entity responsible for payment, underlying collateral, or changes in economic, political, issuer-specific, or other conditions. Certain types of debt instruments can be more sensitive to these factors and therefore more volatile. In addition, debt instruments entail interest rate risk (as interest rates rise, prices usually fall). Therefore, the portfolio's value may decline during rising rates. Portfolios that consist of debt instruments with longer durations are generally more sensitive to a rise in interest rates than those with shorter durations. At times, and particularly during periods of market turmoil, all or a large portion of segments of the market may not have an active trading market. As a result, it may be difficult to value these investments and it may not be possible to sell a particular investment or type of investment at any particular time or at an acceptable price. The price of an instrument trading at a negative interest rate responds to interest rate changes like other debt instruments; however, an instrument purchased at a negative interest rate is expected to produce a negative return if held to maturity. ■ International: Investments in foreign markets can involve greater risk and volatility than U.S. investments because of adverse market, currency, economic, industry, political, regulatory, geopolitical, or other conditions. ■ Underlying Funds: MFS' strategy of investing in underlying funds exposes the fund to the risks of the underlying funds. Each underlying fund pursues its own objective and strategies and may not achieve its objective. In addition, shareholders of the fund will indirectly bear the fees and expenses of the underlying funds. ■ Please see the Prospectus and Information Memorandum for further information on these and other risk considerations.
This website is a general communication and is provided for informational and/or educational purposes only. None of the content should be viewed as a suggestion that you take or refrain from taking any action nor as a recommendation for any specific investment product, strategy, plan feature or other such purpose. Your use of this website indicates that you agree with the intended purpose. Prior to making any investment or financial decision, you should seek individualized advice from a personal financial, tax, and other professionals who are able to provide advice in the context of your particular financial situation.
Before investing, consider the fund's investment objectives, risks, charges and expenses. For a prospectus or summary prospectus containing this and other information, contact MFS or view online at mfs.com. Please read it carefully.
Keep in mind that all investments, including mutual funds, carry a certain amount of risk including the possible loss of the principal amount invested.
The MFS® Heritage Trust Company CITs are only available for investment through qualified retirement plans and are not offered for sale to the general public.
The MFS® Heritage Trust Company CITs are bank-maintained collective investment funds and are not SEC-registered.
The placement agent for the MFS® Heritage Trust Company CITs is MFS Fund Distributors, Inc., Member SIPC, 111 Huntington Avenue, Boston, MA 02199. MFS Fund Distributors, Inc. is an affiliate of MFS Heritage Trust Company, the trustee of the MFS® Heritage Trust Company CITs.
The MFS® Heritage Trust Company CITs are not organized, sponsored, or maintained by MFS Fund Distributors, Inc.
MFS registered investment products are offered through MFS® Fund Distributors, Inc., Member SIPC, 111 Huntington Avenue, Boston, MA 02199.
