Please consider the charges, risks, expenses and investment objectives carefully before investing. Please see a prospectus containing this and other information. Read it carefully before you invest or send money.

* Hypothetical example only, does not represent any particular investment. Assumes 8% annual growth rate, reinvestment of all income and retirement at age 65. It does not account for taxes.

A program of regular investing does not assure a profit or protect against depreciation in a declining market.

An IRA should be considered a long-term investment. IRAs generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. Maximum contributions are subject to eligibility requirements. Depending on your eligibility, you may not be able to contribute the maximum amount. For more detailed information about taxes, consult IRS Publication 590 or your tax adviser regarding your personal circumstance.

Funds distributed by Janus Distributors LLC (9/07)

C-0907-084 07-15-08