The prospectus contains more complete information on applicable fees, charges and expenses, and share classes for each mutual fund. Please read the prospectus carefully before you invest or send money. These products are not federally insured or guaranteed by the U.S. government, the Federal Deposit Insurance Corporation, or similar agency. Most MainStay Funds are offered in more than one class of shares. When deciding whether to purchase a particular class of shares, investors should consider the investment amount, anticipated holding period, and other important factors.
Total returns reflect reinvestment of all dividends and capital gains.
An investment may not be made directly into an index.