Morningstar Guide to Mutual Funds ® ® Morningstar Guide to Mutual Funds 5-Star Strategies for Success Christine Benz Peter Di Teresa Russel Kinnel John Wiley & Sons, Inc. Copyright © by Morningstar, Inc. All rights reserved. Published by John Wiley & Sons, Inc., Hoboken, New Jersey. Published simultaneously in Canada. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section or of the United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA , - - , fax - - , or on the web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., River Street, Hoboken, NJ , - - , fax - - , e-mail:
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