Traveling abroad can be an exciting adventure. It also can be a confusing experience if you don't understand the language or customs. That's why many people take time to learn about their destinations before they leave home. The same concept applies when we invest overseas.

• Learn the language

Before we choose a foreign investment, we have a good understanding of its objectives and risks. That way we can choose investments that will work with your other investments to help you reach your goals.

• Consider the climate

Political and economic upheaval can cause foreign markets to change quickly. If you're comfortable with volatility, we may want an investment that offers the potential for rapid growth. But, it your risk tolerance is low, choosing investments from a more temperate zone may be more appropriate.

• Ponder your portfolio

When we decide how much of your portfolio to allocate to foreign investments, it is good to know how much exposure to foreign markets you already have.

Some of your domestic funds may include overseas investments. We certainly want to take those holdings into account so that you aren't exposed to more excessive risk.

The risks of investing internationally include changes in currency rates, foreign taxation, differences in auditing and financial standards, and other risks.

We consider the fund's investment objectives, charges, expenses, and risks carefully before investing. The fund's prospectus, which can be obtained from us, contains this and other information about the fund.

Read the prospectus carefully before you invest or send money. Shares, when redeemed, may be worth more or less than their original cost.