This email confirms that I accepted both the terms of electronic delivery and the documents that you emailed me, ( mpratt2@commonwealth.com ) on 11/16/2020 1:53:28 PM :
Company NameFund NameClassDocument Type
American Funds EuroPacific Growth Fund 298706821 R6
Summary Prospectus
Washington Mutual Investors Fund 939330817 R-6
Summary Prospectus
The Income Fund of America 453320814 Class R-6
Summary Prospectus
The Growth Fund of America 399874817 Class R-6
Summary Prospectus
SMALLCAP World Fund 831681812 Class R-6
Summary Prospectus
Capital World Bond Fund 140541814 Class R-6
Summary Prospectus
American High-Income Trust 026547810 Class R-6
Summary Prospectus
Capital Income Builder Fund 140193822 Class R-6
Summary Prospectus
2035 Target Date Retirement Fund 02630T340 Class R-6
Summary Prospectus
2030 Target Date Retirement Fund 02630T332 Class R-6
Summary Prospectus
2040 Target Date Retirement Fund 02630T357 Class R-6
Summary Prospectus
2025 Target Date Retirement Fund 02630T324 Class R-6
Summary Prospectus
2020 Target Date Retirement Fund 02630T316 Class R-6
Summary Prospectus
New World Fund 649280815 Class R-6
Summary Prospectus
American Mutual Fund 027681816 Class R-6
Summary Prospectus
2050 Target Date Retirement Fund 02630T373 Class R-6
Summary Prospectus
2045 Target Date Retirement Fund 02630T365 Class R-6
Summary Prospectus
2055 Target Date Retirement Fund 02630T217 Class R-6
Summary Prospectus
BlackRock Technology Opportunities Fund 091929612 INSTITUTIONAL
Summary Prospectus
Mid-Cap Growth Equity Portfolio 091928861 INSTITUTIONAL
Summary Prospectus
Event Driven Equity Fund 09250J734 Institutional
Summary Prospectus
Vanguard Total International Stock Index Fund Investor & Admiral Shares 921909818 Admiral Shares
Summary Prospectus
Goldman Sachs Emerging Markets Equity Fund 38142B369 Institutional
Summary Prospectus
American Funds The Bond Fund of America 097873814 Class R-6
Summary Prospectus
American Balanced Fund 024071813 Class R-6
Summary Prospectus
AllianzGl NFJ Mid-Cap Value Fund 018918623 Institutional
Summary Prospectus
Vanguard Total Stock Market Index Fund Investor & Admiral Shares 922908728 Admiral Shares
Summary Prospectus
500 Index Fund Investor & Admiral Shares 922908710 Admiral Shares
Summary Prospectus
American Funds AMCAP Fund 023375819 Class R-6
Summary Prospectus
Dodge & Cox International Stock Fund 256206103
Summary Prospectus
Fidelity Blue Chip Growth Fund 316389303
Summary Prospectus
Advisor Health Care Fund 315918193 Class Z
Summary Prospectus
MFS Emerging Markets Debt Fund 552746364 Class R6
Summary Prospectus
Federated Kaufmann Small Cap Fund 31421N402 Institutional Shares
Summary Prospectus
Institutional High Yield Bond Fund Institutional Shares 31420B300 Institutional Shares
Summary Prospectus
American Funds 2060 Target Date Retirement Fund 02631C320 Class R-6
Summary Prospectus
Inflation Linked Bond Fund 02630D816 Class R-6
Summary Prospectus
Dimensional Funds International Small Company Portfolio Institutional Shares 233203629 Institutional
Summary Prospectus
DFA Real Estate Securities Portfolio Institutional Shares 233203835 Institutional
Summary Prospectus
U.S. Targeted Value Portfolio Institutional Shares 233203595 Institutional
Summary Prospectus
BlackRock Low Duration Bond Portfolio Investor, Institutional and R Shares 09260B465 Institutional Shares
Summary Prospectus
Floating Rate Income Portfolio 09260B747 Institutional
Summary Prospectus
American Funds 2065 Target Date Retirement Fund 02631V591 Class R6 Share
Summary Prospectus
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Mutual Fund, 529 Plan Share Class, and Out-of-State Information

The following information is offered as a reminder to those owners of applicable mutual fund or 529 college savings plan accounts.


Class A share purchases are subject to an initial sales charge of a percentage of the offering price and may be subject to 12b-1 expense fees. Class A shares generally have lower annual distribution and service (12b-1) fees than other share classes and may offer a reduced sales charge through Rights of Accumulation (ROA) or a Letter of Intent (LOI). An LOI is a written promise to purchase a specific dollar amount of mutual fund shares over a period of time, usually 13 months. In exchange, the fund company applies a lower front-end sales charge to all purchases of A shares. ROA permit the pooling of assets invested in a fund family among individuals who are related to one another, qualifying them for reduced sales charges when the combined investment reaches a breakpoint.

Class B share purchases are not subject to any initial sales charge or load. Purchases are subject to a declining surrender charge over a period of years and incur higher 12b-1 fees than A shares. Reduced sales charges available through ROA or LOI are not an option through B share purchases. Redemptions prior to expiration of the surrender period may be subject to a charge of a certain percentage known as a contingent deferred sales charge (CDSC) or surrender charge.

Class C share purchases may not be subject to an initial sales charge, but on an ongoing basis will have higher 12b-1 expense fees and may be assessed a CDSC if redeemed within a specific period of time, usually within one to one-and-one-half years of purchase. Purchases of C shares in 529 plans will generally not be permitted by Commonwealth if the beneficiary’s investment time horizon is more than six years.

Out-of-State 529 Information
Depending upon the laws of the home state and the laws of the designated beneficiary’s state, favorable state tax treatment or other benefits offered by such home state for investing in 529 college savings plans may be available only if investment is made in the home state’s 529 college savings plan. Any state-based benefit offered with respect to a particular 529 college savings plan should be one of many appropriately weighted factors to be considered in making an investment decision. Consultation with a financial, tax, or other advisor to learn more about how state-based benefits (including any limitations) would apply to specific circumstances, and contacting a home state plan or any other 529 college savings plan to learn more about the features, benefits, and limitations of that state’s 529 college savings plan, may be considered.

Securities and insurance products offered may lose value, are not bank or credit union deposits, not FDIC-insured, not NCUA-insured, not NCUSIF-insured, not insured by any government agency, and not endorsed or guaranteed by Commonwealth Financial Network or your Registered Representative.