0000930413-21-001864.txt : 20211110 0000930413-21-001864.hdr.sgml : 20211110 20211110163641 ACCESSION NUMBER: 0000930413-21-001864 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 4 FILED AS OF DATE: 20211110 DATE AS OF CHANGE: 20211110 EFFECTIVENESS DATE: 20211110 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TIAA-CREF FUNDS CENTRAL INDEX KEY: 0001084380 IRS NUMBER: 134055167 STATE OF INCORPORATION: DE FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 333-76651 FILM NUMBER: 211397268 BUSINESS ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2129166746 MAIL ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 FORMER COMPANY: FORMER CONFORMED NAME: TIAA CREF INSTITUTIONAL MUTUAL FUNDS DATE OF NAME CHANGE: 19990415 0001084380 S000005360 TIAA-CREF Equity Index Fund C000014611 Institutional Class TIEIX C000033987 Retirement Class TIQRX C000033988 Retail Class TINRX C000079551 Premier Class TCEPX C000162542 Advisor Class TEIHX C000202742 Class W TEQWX 0001084380 S000005361 TIAA-CREF S&P 500 Index Fund C000014612 Institutional Class TISPX C000014613 Retirement Class TRSPX C000162543 Advisor Class TISAX C000202743 Class W TISWX 0001084380 S000005367 TIAA-CREF Small-Cap Blend Index Fund C000014624 Institutional Class TISBX C000014625 Retirement Class TRBIX C000162544 Advisor Class TRHBX C000202744 Class W TRHWX 0001084380 S000005368 TIAA-CREF International Equity Index Fund C000014626 Institutional Class TCIEX C000014627 Retirement Class TRIEX C000079552 Premier Class TRIPX C000162545 Advisor Class TCIHX C000202745 Class W TCIWX 0001084380 S000005369 TIAA-CREF Real Estate Securities Fund C000014628 Institutional Class TIREX C000014629 Retail Class TCREX C000014630 Retirement Class TRRSX C000079553 Premier Class TRRPX C000162546 Advisor Class TIRHX 0001084380 S000005370 TIAA-CREF Growth & Income Fund C000014631 Institutional Class TIGRX C000014632 Retirement Class TRGIX C000033989 Retail Class TIIRX C000079554 Premier Class TRPGX C000162547 Advisor Class TGIHX C000202746 Class W TGIWX 0001084380 S000005371 TIAA-CREF Social Choice Equity Fund C000014633 Institutional Class TISCX C000014634 Retirement Class TRSCX C000033990 Retail Class TICRX C000079555 Premier Class TRPSX C000162548 Advisor Class TICHX 0001084380 S000005372 TIAA-CREF Core Bond Fund C000014635 Institutional Class TIBDX C000033991 Retirement Class TIDRX C000033992 Retail Class TIORX C000079556 Premier Class TIDPX C000162549 Advisor Class TIBHX C000202747 Class W TBBWX 0001084380 S000005373 TIAA-CREF Inflation-Linked Bond Fund C000014636 Institutional Class TIILX C000014637 Retail Class TCILX C000033993 Retirement Class TIKRX C000079557 Premier Class TIKPX C000162550 Advisor Class TIIHX C000202748 Class W TIIWX 0001084380 S000005374 TIAA-CREF Money Market Fund C000014638 Institutional Class TCIXX C000033994 Retirement Class TIEXX C000033995 Retail Class TIRXX C000079558 Premier Class TPPXX C000162551 Advisor Class TMHXX C000202749 Class W TMWXX 0001084380 S000005375 TIAA-CREF Lifecycle 2010 Fund C000014639 Retirement Class TCLEX C000047972 Institutional Class TCTIX C000079559 Premier Class TCTPX C000162552 Advisor Class TCLHX 0001084380 S000005376 TIAA-CREF Lifecycle 2015 Fund C000014640 Retirement Class TCLIX C000047973 Institutional Class TCNIX C000079560 Premier Class TCFPX C000162553 Advisor Class TCNHX 0001084380 S000005377 TIAA-CREF Lifecycle 2020 Fund C000014641 Retirement Class TCLTX C000047974 Institutional Class TCWIX C000079561 Premier Class TCWPX C000162554 Advisor Class TCWHX 0001084380 S000005378 TIAA-CREF Lifecycle 2025 Fund C000014642 Retirement Class TCLFX C000047975 Institutional Class TCYIX C000079562 Premier Class TCQPX C000162555 Advisor Class TCQHX 0001084380 S000005379 TIAA-CREF Lifecycle 2030 Fund C000014643 Retirement Class TCLNX C000047976 Institutional Class TCRIX C000079563 Premier Class TCHPX C000162556 Advisor Class TCHHX 0001084380 S000005380 TIAA-CREF Lifecycle 2035 Fund C000014644 Retirement Class TCLRX C000047977 Institutional Class TCIIX C000079564 Premier Class TCYPX C000162557 Advisor Class TCYHX 0001084380 S000005381 TIAA-CREF International Equity Fund C000014645 Institutional Class TIIEX C000014646 Retirement Class TRERX C000033996 Retail Class TIERX C000079565 Premier Class TREPX C000162558 Advisor Class TIEHX C000202750 Class W TIEWX 0001084380 S000005382 TIAA-CREF Lifecycle 2040 Fund C000014647 Retirement Class TCLOX C000047978 Institutional Class TCOIX C000079566 Premier Class TCZPX C000162559 Advisor Class TCZHX 0001084380 S000005383 TIAA-CREF Large-Cap Value Fund C000014648 Institutional Class TRLIX C000014649 Retail Class TCLCX C000014650 Retirement Class TRLCX C000079567 Premier Class TRCPX C000162560 Advisor Class TRLHX C000202751 Class W TRLWX 0001084380 S000005384 TIAA-CREF Mid-Cap Growth Fund C000014651 Institutional Class TRPWX C000014652 Retail Class TCMGX C000014653 Retirement Class TRGMX C000079568 Premier Class TRGPX C000162561 Advisor Class TCMHX 0001084380 S000005385 TIAA-CREF Mid-Cap Value Fund C000014654 Institutional Class TIMVX C000014655 Retail Class TCMVX C000014656 Retirement Class TRVRX C000079569 Premier Class TRVPX C000162562 Advisor Class TRVHX 0001084380 S000005386 TIAA-CREF Quant Small-Cap Equity Fund C000014657 Institutional Class TISEX C000014658 Retail Class TCSEX C000014659 Retirement Class TRSEX C000079570 Premier Class TSRPX C000162563 Advisor Class TSCHX C000202752 Class W TSCWX 0001084380 S000005387 TIAA-CREF Large-Cap Growth Index Fund C000014660 Institutional Class TILIX C000014661 Retirement Class TRIRX C000162564 Advisor Class TRIHX C000202753 Class W TRIWX 0001084380 S000005388 TIAA-CREF Large-Cap Value Index Fund C000014662 Institutional Class TILVX C000014663 Retirement Class TRCVX C000162565 Advisor Class THCVX C000202754 Class W THCWX 0001084380 S000012194 TIAA-CREF Managed Allocation Fund C000033271 Retail Class TIMRX C000033272 Retirement Class TITRX C000033273 Institutional Class TIMIX 0001084380 S000012195 TIAA-CREF Short-Term Bond Fund C000033274 Retail Class TCTRX C000033275 Retirement Class TISRX C000033276 Institutional Class TISIX C000079571 Premier Class TSTPX C000162566 Advisor Class TCTHX C000202755 Class W TCTWX 0001084380 S000012196 TIAA-CREF High-Yield Fund C000033277 Retail Class TIYRX C000033278 Retirement Class TIHRX C000033279 Institutional Class TIHYX C000079572 Premier Class TIHPX C000162567 Advisor Class TIHHX C000202756 Class W TIHWX 0001084380 S000012197 TIAA-CREF Large-Cap Growth Fund C000033280 Retail Class TIRTX C000033281 Retirement Class TILRX C000033282 Institutional Class TILGX C000079573 Premier Class TILPX C000162568 Advisor Class TILHX C000202757 Class W TILWX 0001084380 S000012198 TIAA-CREF Core Plus Bond Fund C000033283 Retail Class TCBPX C000033284 Retirement Class TCBRX C000033285 Institutional Class TIBFX C000079574 Premier Class TBPPX C000162569 Advisor Class TCBHX C000202758 Class W TCBWX 0001084380 S000012199 TIAA-CREF 5-15 Year Laddered Tax-Exempt Bond Fund C000033286 Retail Class TIXRX C000033287 Institutional Class TITIX C000162570 Advisor Class TIXHX 0001084380 S000019659 TIAA-CREF Lifecycle 2045 Fund C000054991 Institutional Class TTFIX C000054992 Retirement Class TTFRX C000079575 Premier Class TTFPX C000162574 Advisor Class TTFHX 0001084380 S000019660 TIAA-CREF Lifecycle 2050 Fund C000054993 Institutional Class TFTIX C000054994 Retirement Class TLFRX C000079576 Premier Class TCLPX C000162575 Advisor Class TFTHX 0001084380 S000019661 TIAA-CREF Lifecycle Retirement Income Fund C000054995 Retail Class TLRRX C000054996 Institutional Class TLRIX C000054997 Retirement Class TLIRX C000079577 Premier Class TPILX C000162576 Advisor Class TLRHX 0001084380 S000026498 TIAA-CREF Lifecycle Index 2010 Fund C000079517 Institutional Class TLTIX C000079518 Premier Class TLTPX C000079519 Retirement Class TLTRX C000162577 Advisor Class TLTHX 0001084380 S000026499 TIAA-CREF Lifecycle Index Retirement Income Fund C000079520 Institutional Class TRILX C000079521 Premier Class TLIPX C000079522 Retirement Class TRCIX C000162578 Advisor Class TLIHX 0001084380 S000026500 TIAA-CREF Bond Index Fund C000079523 Institutional Class TBIIX C000079524 Retirement Class TBIRX C000079525 Premier Class TBIPX C000079526 Retail Class TBILX C000162579 Advisor Class TBIAX C000202762 Class W TBIWX 0001084380 S000026501 TIAA-CREF Lifecycle Index 2015 Fund C000079527 Institutional Class TLFIX C000079528 Premier Class TLFPX C000079529 Retirement Class TLGRX C000162580 Advisor Class TLFAX 0001084380 S000026502 TIAA-CREF Lifecycle Index 2020 Fund C000079530 Institutional Class TLWIX C000079531 Premier Class TLWPX C000079532 Retirement Class TLWRX C000162581 Advisor Class TLWHX 0001084380 S000026503 TIAA-CREF Lifecycle Index 2025 Fund C000079533 Institutional Class TLQIX C000079534 Premier Class TLVPX C000079535 Retirement Class TLQRX C000162582 Advisor Class TLQHX 0001084380 S000026504 TIAA-CREF Lifecycle Index 2030 Fund C000079536 Institutional Class TLHIX C000079537 Premier Class TLHPX C000079538 Retirement Class TLHRX C000162583 Advisor Class TLHHX 0001084380 S000026505 TIAA-CREF Lifecycle Index 2035 Fund C000079539 Institutional Class TLYIX C000079540 Premier Class TLYPX C000079541 Retirement Class TLYRX C000162584 Advisor Class TLYHX 0001084380 S000026506 TIAA-CREF Lifecycle Index 2040 Fund C000079542 Institutional Class TLZIX C000079543 Premier Class TLPRX C000079544 Retirement Class TLZRX C000162585 Advisor Class TLZHX 0001084380 S000026507 TIAA-CREF Lifecycle Index 2045 Fund C000079545 Institutional Class TLXIX C000079546 Premier Class TLMPX C000079547 Retirement Class TLMRX C000162586 Advisor Class TLMHX 0001084380 S000026508 TIAA-CREF Lifecycle Index 2050 Fund C000079548 Institutional Class TLLIX C000079549 Premier Class TLLPX C000079550 Retirement Class TLLRX C000162587 Advisor Class TLLHX 0001084380 S000029604 TIAA-CREF Emerging Markets Equity Fund C000090850 Retail Class TEMRX C000090851 Retirement Class TEMSX C000090852 Premier Class TEMPX C000090853 Institutional Class TEMLX C000162588 Advisor Class TEMHX C000202763 Class W TEMVX 0001084380 S000029605 TIAA-CREF Emerging Markets Equity Index Fund C000090854 Retail Class TEQKX C000090855 Retirement Class TEQSX C000090856 Premier Class TEQPX C000090857 Institutional Class TEQLX C000162589 Advisor Class TEQHX C000202764 Class W TENWX 0001084380 S000031926 TIAA-CREF Lifecycle Index 2055 Fund C000099413 Retirement Class TTIRX C000099414 Institutional Class TTIIX C000099415 Premier Class TTIPX C000162590 Advisor Class TTIHX 0001084380 S000031927 TIAA-CREF Lifecycle 2055 Fund C000099416 Retirement Class TTRLX C000099417 Institutional Class TTRIX C000099418 Premier Class TTRPX C000162591 Advisor Class TTRHX 0001084380 S000034958 TIAA-CREF Lifestyle Aggressive Growth Fund C000107517 Institutional Class TSAIX C000107518 Premier Class TSAPX C000107519 Retail Class TSALX C000107520 Retirement Class TSARX C000162593 Advisor Class TSAHX 0001084380 S000034959 TIAA-CREF Lifestyle Conservative Fund C000107521 Institutional Class TCSIX C000107522 Premier Class TLSPX C000107523 Retail Class TSCLX C000107524 Retirement Class TSCTX C000162594 Advisor Class TLSHX 0001084380 S000034960 TIAA-CREF Lifestyle Growth Fund C000107525 Premier Class TSGPX C000107526 Retail Class TSGLX C000107527 Retirement Class TSGRX C000107528 Institutional Class TSGGX C000162595 Advisor Class TSGHX 0001084380 S000034961 TIAA-CREF Lifestyle Income Fund C000107529 Institutional Class TSITX C000107530 Premier Class TSIPX C000107531 Retail Class TSILX C000107532 Retirement Class TLSRX C000162596 Advisor Class TSIHX 0001084380 S000034962 TIAA-CREF Lifestyle Moderate Fund C000107533 Institutional Class TSIMX C000107534 Premier Class TSMPX C000107535 Retail Class TSMLX C000107536 Retirement Class TSMTX C000162597 Advisor Class TSMHX 0001084380 S000038169 TIAA-CREF Core Impact Bond Fund C000117721 Institutional Class TSBIX C000117722 Premier Class TSBPX C000117723 Retail Class TSBRX C000117724 Retirement Class TSBBX C000162598 Advisor Class TSBHX 0001084380 S000040206 TIAA-CREF International Opportunities Fund C000124962 Institutional Class TIOIX C000124963 Premier Class TIOPX C000124964 Retail Class TIOSX C000124965 Retirement Class TIOTX C000162599 Advisor Class TIOHX C000202765 Class W TIOVX 0001084380 S000046660 TIAA-CREF Emerging Markets Debt Fund C000145608 Institutional Class TEDNX C000145609 Premier Class TEDPX C000145610 Retail Class TEDLX C000145611 Retirement Class TEDTX C000162600 Advisor Class TEDHX C000202766 Class W TEDVX 0001084380 S000046661 TIAA-CREF Lifecycle 2060 Fund C000145612 Institutional Class TLXNX C000145613 Premier Class TLXPX C000145614 Retirement Class TLXRX C000162601 Advisor Class TLXHX 0001084380 S000046662 TIAA-CREF Lifecycle Index 2060 Fund C000145615 Retirement Class TVITX C000145616 Institutional Class TVIIX C000145617 Premier Class TVIPX C000162602 Advisor Class TVIHX 0001084380 S000050278 TIAA-CREF Short-Term Bond Index Fund C000158750 Institutional Class TNSHX C000158751 Premier Class TPSHX C000158752 Retail Class TRSHX C000158753 Retirement Class TESHX C000162603 Advisor Class TTBHX C000202767 Class W TTBWX 0001084380 S000050279 TIAA-CREF Social Choice International Equity Fund C000158754 Institutional Class TSONX C000158755 Premier Class TSOPX C000158756 Retail Class TSORX C000158757 Retirement Class TSOEX C000162604 Advisor Class TSOHX 0001084380 S000050280 TIAA-CREF Social Choice Low Carbon Equity Fund C000158758 Premier Class TPWCX C000158759 Retail Class TLWCX C000158760 Retirement Class TEWCX C000158761 Institutional Class TNWCX C000162605 Advisor Class TCCHX 0001084380 S000054622 TIAA-CREF International Bond Fund C000171516 Advisor Class TIBNX C000171517 Institutional Class TIBWX C000171518 Premier Class TIBLX C000171519 Retail Class TIBEX C000171520 Retirement Class TIBVX C000202768 Class W TIBUX 0001084380 S000054623 TIAA-CREF Quant Small/Mid-Cap Equity Fund C000171521 Retirement Class TSMOX C000171522 Advisor Class TSMNX C000171523 Institutional Class TSMWX C000171524 Premier Class TSMMX C000171525 Retail Class TSMEX C000202769 Class W TSMUX 0001084380 S000055721 TIAA-CREF Quant International Small-Cap Equity Fund C000175453 Advisor Class TAISX C000175454 Institutional Class TIISX C000175455 Premier Class TPISX C000175456 Retail Class TLISX C000175457 Retirement Class TTISX C000202770 Class W TAIWX 0001084380 S000063522 TIAA-CREF Green Bond Fund C000205811 Institutional Class TGRNX C000205812 Premier Class TGRLX C000205813 Retail Class TGROX C000205814 Retirement Class TGRMX C000205815 Advisor Class TGRKX 0001084380 S000063523 TIAA-CREF Short Duration Impact Bond Fund C000205816 Institutional Class TSDJX C000205817 Premier Class TSDFX C000205818 Retail Class TSDBX C000205819 Retirement Class TSDDX C000205820 Advisor Class TSDHX 0001084380 S000069450 TIAA-CREF Lifecycle 2065 Fund C000221702 Premier Class TSFPX C000221703 Advisor Class TSFHX C000221704 Institutional Class TSFTX C000221705 Retirement Class TSFRX 0001084380 S000069451 TIAA-CREF Lifecycle Index 2065 Fund C000221706 Premier Class TFIPX C000221707 Retirement Class TFIRX C000221708 Advisor Class TFIHX C000221709 Institutional Class TFITX 497 1 c102480_497.htm

 

TIAA-CREF
Funds		 Supplement

 

TIAA-CREF International Funds

 

SUPPLEMENT NO. 1
dated November 10, 2021 to the Statutory Prospectus dated March 1, 2021

 

TIAA-CREF Equity Index Funds

 

SUPPLEMENT NO. 1
dated November 10, 2021 to the Statutory Prospectus dated March 1, 2021

 

Effective immediately, the following language is hereby added after the fourth sentence in the sub-section entitled “Risks of Investing in China—Foreign Investment Risk—Additional information on principal investment risks of the Funds—Additional information about investment strategies and risks of the Funds” beginning on page 76 of the TIAA-CREF International Funds Statutory Prospectus and page 63 of the TIAA-CREF Equity Index Funds Statutory Prospectus:

 

Investments in companies based or operated in China through legal structures known as variable interest entities (“VIEs”), which are not formally recognized under Chinese law, are subject to the risk, among others, that China could cease to allow VIEs at any time or impose new restrictions on the structure. It is also possible that the contractual arrangements underlying VIEs could be deemed unenforceable in China, which could limit (or eliminate) the remedies and rights available to the VIE and its investors and result in significant economic losses.

 

A41131 (11/21)

 
TIAA-CREF
Funds &
TIAA-CREF
Life Funds		 Supplement

 

TIAA-CREF Funds

 

SUPPLEMENT NO. 1
dated November 10, 2021 to the Statement of Additional Information (“SAI”) dated August 1, 2021 and March 1, 2021, as supplemented through August 1, 2021

 

TIAA-CREF Life Funds

 

SUPPLEMENT NO. 3
dated November 10, 2021 to the Statement of Additional Information (“SAI”) dated May 1, 2021 as supplemented through August 2, 2021

 

Effective immediately, the following hereby replaces the second sentence of the sixth paragraph in the sub-section entitled “Investment in Asia Other Than Japan—Foreign investments—Investment policies—Investment objectives, policies, restrictions and risks” on page 35 of the TIAA-CREF Funds SAI and page 32 of the TIAA-CREF Life Funds SAI:

 

Under the FII program, which is a market access program through which PRC investments are made available, or through investments in companies listed on exchanges outside of the PRC that provide exposure to companies that are based or operated in the PRC, there are certain regulatory restrictions imposed, particularly on (without limitation) investment scope, repatriation of accounts, foreign shareholding limit and account structure.

 

Also effective immediately, the following language is hereby added beginning at the end of the eighth paragraph in the sub-section entitled “Investment in Asia Other Than Japan—Foreign investments—Investment policies—Investment objectives, policies, restrictions and risks” on page 35 of the TIAA-CREF Funds SAI and page 32 of the TIAA-CREF Life Funds SAI:

 

Foreign companies listed on U.S. exchanges, including offshore companies that utilize a variable interest entity (“VIE”) structure, also could face delisting or other ramifications for failure to meet the requirements of the listing exchange, the SEC, the Public Company Accounting Oversight Board or other United States regulators, which could adversely affect the liquidity or value of the securities and have negative implications for U.S. investors and result in significant investment losses.

 

Variable Interest Entities. A Fund may invest in companies based or operated in the PRC by investing through legal structures known as VIEs. Certain PRC companies have used VIEs in order to facilitate foreign investment without distributing ownership of the PRC-based companies primarily due to PRC governmental restrictions on non-PRC ownership of companies in certain industries and sectors. In such cases, the PRC-based operating company typically establishes an offshore company in another jurisdiction, and the offshore company enters into contractual arrangements (such as powers of attorney, equity pledge agreements, and other exclusive services or business cooperation agreements) with the PRC-based operating company. These contractual arrangements are intended to give the offshore company the ability to exercise power over and obtain economic rights from the PRC-based operating company. Shares of the offshore company, in turn, are listed and traded on exchanges outside of the PRC and are available to non-PRC investors such as a Fund. This arrangement allows non-PRC investors to hold stock in the offshore company, rather than the PRC-based operating company, to obtain economic exposure without direct equity ownership.

 

VIE structures are longstanding and well known to officials and regulators in the PRC. However, VIEs are not formally recognized under PRC law. Intervention by the PRC government with respect to VIEs could significantly affect the PRC operating company’s performance and the enforceability of the VIE’s contractual arrangements with the PRC company. There is a risk that the PRC may cease to allow VIEs at any time or impose new restrictions on the structure. Investments involving a VIE may also pose additional risks because such investments are made through a company whose interests in the underlying operating company are established through contract rather than through direct equity ownership. For example, the non-PRC offshore company’s contractual arrangement may be less effective than direct equity ownership, and the company may incur substantial costs to enforce the terms of the arrangements. Also, the terms of such arrangements may be deemed unenforceable in the PRC, thus limiting (or eliminating) the remedies and rights available to the non-PRC offshore company and its investors and potentially resulting in significant economic losses. Such legal uncertainty may also be exploited against the interests of the offshore company and its investors. Further, the interests of the equity owners of the operating company may conflict with the interests of the investors of the offshore company, and the fiduciary duties of the officers and directors of the operating company may differ from, or conflict with, the fiduciary duties of the officers and directors of the offshore company. Any of the foregoing risks and events could negatively impact a Fund’s performance and NAV.

 

A41127 (11/21)

 
TIAA-CREF
Funds		 Supplement 

 

TIAA-CREF Funds: Funds-of-Funds

 

Lifecycle Funds
Lifecycle Index Funds
Lifestyle Funds
Managed Allocation
(each, a series of the TIAA-CREF Funds)

 

SUPPLEMENT NO. 1
dated November 10, 2021 to the Statement of Additional Information (“SAI”) dated October 1, 2021

 

Effective immediately, the following hereby replaces the second sentence of the sixth paragraph in the sub-section entitled “Investment in Asia Other Than Japan—Foreign investments—Investment policies—Investment objectives, policies, restrictions and risks” on page 34 of the SAI:

 

Under the FII program, which is a market access program through which PRC investments are made available, or through investments in companies listed on exchanges outside of the PRC that provide exposure to companies that are based or operated in the PRC, there are certain regulatory restrictions imposed, particularly on (without limitation) investment scope, repatriation of accounts, foreign shareholding limit and account structure.

 

Also effective immediately, the following language is hereby added beginning at the end of the eighth paragraph in the sub-section entitled “Investment in Asia Other Than Japan—Foreign investments—Investment policies—Investment objectives, policies, restrictions and risks” on page 34 of the SAI:

 

Foreign companies listed on U.S. exchanges, including offshore companies that utilize a variable interest entity (“VIE”) structure, also could face delisting or other ramifications for failure to meet the requirements of the listing exchange, the SEC, the Public Company Accounting Oversight Board or other United States regulators, which could adversely affect the liquidity or value of the securities and have negative implications for U.S. investors and result in significant investment losses.

 

Variable Interest Entities. An Underlying Fund may invest in companies based or operated in the PRC by investing through legal structures known as VIEs. Certain PRC companies have used VIEs in order to facilitate foreign investment without distributing ownership of the PRC-based companies primarily due to PRC governmental restrictions on non-PRC ownership of companies in certain industries and sectors. In such cases, the PRC-based operating company typically establishes an offshore company in another jurisdiction, and the offshore company enters into contractual arrangements (such as powers of attorney, equity pledge agreements, and other exclusive services or business cooperation agreements) with the PRC-based operating company. These contractual arrangements are intended to give the offshore company the ability to exercise power over and obtain economic rights from the PRC-based operating company. Shares of the offshore company, in turn, are listed and traded on exchanges outside of the PRC and are available to non-PRC investors such as an Underlying Fund. This arrangement allows non-PRC investors to hold stock in the offshore company, rather than the PRC-based operating company, to obtain economic exposure without direct equity ownership.

 

VIE structures are longstanding and well known to officials and regulators in the PRC. However, VIEs are not formally recognized under PRC law. Intervention by the PRC government with respect to VIEs could significantly affect the PRC operating company’s performance and the enforceability of the VIE’s contractual arrangements with the PRC company. There is a risk that the PRC may cease to allow VIEs at any time or impose new restrictions on the structure. Investments involving a VIE may also pose additional risks because such investments are made through a company whose interests in the underlying operating company are established through contract rather than through direct equity ownership. For example, the non-PRC offshore company’s contractual arrangement may be less effective than direct equity ownership, and the company may incur substantial costs to enforce the terms of the arrangements. Also, the terms of such arrangements may be deemed unenforceable in the PRC, thus limiting (or eliminating) the remedies and rights available to the non-PRC offshore company and its investors and potentially resulting in significant economic losses. Such legal uncertainty may also be exploited against the interests of the offshore company and its investors. Further, the interests of the equity owners of the operating company may conflict with the interests of the investors of the offshore company, and the fiduciary duties of the officers and directors of the operating company may differ from, or conflict with, the fiduciary duties of the officers and directors of the offshore company. Any of the foregoing risks and events could negatively impact an Underlying Fund’s performance and NAV.

 

A41129 (11/21)

 
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