Contributions to this individual fund portfolio will be invested solely in the MainStay MacKay Total Return Bond Fund (Class I). Before making contributions to this portfolio, you should consider the more detailed information about the underlying fund in which it invests, including its investment objectives and policies, risks, and expenses, contained in the links below. The Fact Sheet, Prospectus, and Annual Report below describe the MainStay MacKay Total Return Bond Fund and not the Bright Directions College Savings Program.
For information regarding the expenses of Bright Directions, including sales charges, the program management fee, and account services fees, please review the Program Disclosure Statement with your financial advisor. Performance information for the MainStay MacKay Total Return Bond Fund does not reflect the imposition of the sales charges or other fees and expenses Bright Directions imposes. The information contained in the links below was obtained from the underlying fund companies and has not been independently verified by the Bright Directions College Savings Program.
Participants in the Bright Directions College Savings Program do not own shares of the underlying mutual funds directly, but rather own shares of a portfolio in Bright Directions.