How To Invest In Real Estate



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Fund Name Positions Here Global Real Estate Securities At a Glance Inception: June 2011 Benchmark: FTSE EPRA/NAREIT Global Real Estate Philosophy We believe top-down analysis of geographic regions and property sectors combined with bottom-up security evaluation of real estate companies will lead to outperformance in a variety of market environments. Key Tenets: The dynamic real estate market environment demands the ability to shift allocations to geographic regions and property sectors to adjust the economic sensitivity of the portfolio. Top-down analysis requires evaluating a broad range of macro factors in order to effectively and accurately assess opportunities. Investing in companies with attractive relative valuations and/or superior growth provides broader opportunities to generate excess returns. Sustained experience and access within the real estate industry enhances company-level research. We apply a disciplined and focused approach to investing by first formulating a detailed understanding of the economic factors impacting commercial property fundamentals both from a geographic and property sector standpoint and relative valuation levels. We then use information derived from independent research to develop a fundamental framework for identifying security specific information on REITs and real estate companies. We believe utilizing this geographic property sector (top-down) and security-specific (bottom-up) approach enables us to outperform the benchmark with lower volatility over time. We also believe access to and relationships with various information sources may lead to superior investment performance on a year-in/year-out basis. By applying objective analytical rigor to these information sources, we distill this information in a distinctive and successful manner. We pursue information through publicly traded and private commercial real estate companies, sell-side and third party research organizations, and research sources unaffiliated with the real estate industry. Evaluating objective and insightful research information is a core value in our investment philosophy.

Investment Process Our team actively follows a universe of 300 companies, which represents roughly 90% of the market capitalization of the FTSE EPRA/NAREIT Global Real Estate Index. Our index includes REITs and real estate corporations. Any company whose primary business is real estate-related and whose market cap exceeds $400 million can be a candidate for universe inclusion. The first step in our investment process is to derive opinions on the global economic backdrop by identifying those regions, countries and property sectors that are the most attractive. Our objective is to populate the portfolio with securities that have the best potential for appreciation from either a value or growth perspective. Fundamental, company-specific research is the next step in the stock selection process. We utilize a proprietary valuation methodology that ranks the attractiveness of the securities within our universe. The analytical inputs to our process include: 1) price to net asset value, 2) P/E ratio to long-term growth rate and 3) dividend safety. The attractiveness of stocks in the universe are based on these inputs. Additionally, all inputs are generated from our research team and are updated on a continual basis. Research is assigned by geographic region. Analysis on our universe of securities is pursued on a daily basis. The process requires constant contact with the management of the company under consideration. In addition, third party resources and evaluation at our daily team meeting may be considered. The portfolio is constructed based on the results of our top-down view on regions, countries and property sectors and our bottom-up ranking of individual stocks. The portfolio typically holds between 60 and 80 names, and is diversified by region. We typically look at six primary regions: U.K, Europe/ Africa, Asia ex-japan, Japan, Australia and the Americas. For countries that are below 2% in the benchmark, we can hold 0 to 2% of the benchmark weight. For countries that are 2% to 5% in the benchmark, we can hold 0% to 200%, and for countries that are over 5% in the benchmark, we can hold 50% to 150% of the benchmark weight. We will overweight countries with the most favorable economic environments and property valuations, and underweight those that are least favorable. Benchmark weights are considered when determining the portfolio s allocations. We typically will hold a minimum of 1% in a security. Sell discipline Disposition of an investment may be triggered by: Security valuation becoming unfavorable Growth prospects deteriorating Company-specific fundamentals changing in Competitive position of property portfolio Business plan or long-term strategy Senior management Capital structure National and regional economic developments Changes in capital markets Changes in demographic trends Changes in government policy toward real estate Adherence to strict criteria helps us lock in gains and manage potential losses. Risk Management We seek to mitigate risk in the portfolio in several ways. First, our comprehensive regional, country and property sector analysis seeks to identify those areas that are most attractive at a given point in the economic cycle. This topdown strategy typically leads us to defensive posturing during economic downturns, and pro-cyclical posturing during periods of economic growth. This has historically been a volatility dampening mechanism. At the security level, we seek to mitigate risk by focusing on individual securities that exhibit the best relative profiles. Thus, our identification of better relative values and our fundamental research identifying capital structure and funding source strength, liquidity, and financial flexibility is also a component of our risk management. We seek to have a 1% overweight position in securities the investment team deems a strong buy. We use both internally-generated and external tools to monitor and manage risk exposures in our portfolio. We use FactSet software for performance attribution analysis. In addition, we use the Barra model to monitor the portfolio s active risk factors. While the team does not model active risk into the construction of the portfolio, they do make use of detailed Barra analytics to understand the sources of risk in the portfolio and mitigate any unintended risks. Global Real Estate Securities > 2

Performance Patterns The top-down and bottom-up nature of our investment process results in a portfolio designed to outperform in a variety of markets. We attempt to outperform the market every year. When commercial real estate fundamentals and REIT stock price movements diverge, our process can exhibit weakness relative to benchmarks and peers. Competitive Advantages We use a distinctive investment process that employs both top-down and bottom-up components to determine property sector and security allocations. This combination of fundamental and macroeconomic/geographic and property sector analysis gives us the potential to outperform in a variety of market environments, creating consistent and superior riskadjusted returns over time. In addition, we minimize style biases by investing in both high potential growers and undervalued companies. Our valuation includes both a price-to-net-asset value and an earnings component, which we feel gives us an advantage over valuebiased managers. Finally, the industry tenure and depth of experience within the team give us unique insights into the dynamics of this specialized universe of securities. Management Team Steven Brown Senior Vice President Senior Portfolio Manager Steve co-manages the Global Real Estate Securities and U.S. Real Estate Securities portfolios. Before joining American Century Investments in 2008 he was with Neuberger Berman, LLC, as global head of real estate securities. In that role, Steve led a team that managed $3 billion in publicly traded real estate securities. Prior to that, Steve was senior vice president and portfolio manager at Cohen & Steer Capital Management. Steve has worked in the investment industry since 1987. He earned a bachelor s degree in economics and an MBA in finance from New York University. Steven Rodriguez Portfolio Manager Steve co-manages the Global Real Estate Securities and U.S. Real Estate Securities portfolios. He joined American Century Investments in March of 2009 from Barclays Capital (formerly Lehman Brothers) where he was a REIT equity research associate, responsible for conducting fundamental research and analysis on REIT securities as well as analyzing real estate industry trends. Previously, Steve was an associate with Pricewaterhouse Coopers, LLP. He has a bachelor s degree in economics and a master s degree in accounting from the University of Michigan. Vishal Govil, CFA Senior Investment Analyst Vishal provides fundamental research and analysis for the Global Real Estate Securities and U.S. Real Estate Securities portfolios. Vishal joined in 2010 as a portfolio research analyst. Previously, Vishal worked for Goldman Sachs Asset Management as an analyst developer. He earned a bachelor s degree in computer engineering from Columbia University and an MBA from the University of Chicago Booth School of Business. He is a CFA charterholder and a member of the CFA Institute. Joseph Crossett Investment Analyst Joe provides fundamental research and analysis for the Global Real Estate Securities and U.S. Real Estate Securities strategies. He joined in 2013 from John Hancock, where he was an analyst, most recently in their Real Estate Finance group. Before joining John Hancock, he was a financial analyst with Avid Technology. He has worked in the industry since 2010. Joe holds a bachelor s degree in economics and finance from Bentley University and a master s degree in finance from the Carroll Graduate School of Management at Boston College. Peter Hardy, CFA Vice President Client Portfolio Manager Peter represents portfolio management in communicating investment strategies and results to institutional clients. Prior to joining in 2008, he was director of institutional client service and consultant relations at Morgan Asset Management, the investment management subsidiary of Regions Financial. Peter also was chief investment officer for Regions Financial Benefit Plans. Previously, he was vice president and equity portfolio manager at Trusco Capital Management and portfolio manager at STI Capital Management. Peter earned a bachelor s degree in business administration from Furman University. He is a CFA charterholder and a member of the CFA Institute. Global Real Estate Securities > 3

Matthew Oldroyd, CFA Vice President Client Portfolio Manager Matt represents portfolio management in communicating investment strategies and results to institutional clients. Prior to his current role, he was responsible for developing client relationships in the central United States, focusing on public and corporate pension plans, endowments and foundations and multi-employer relationships. Matt also was responsible for relationship management for many of the company s largest institutional clients. Before joining American Century Investments in 2000, he was a client advisor at J.P. Morgan Investment Management. Matt has worked in the investment industry since 1994. He earned a bachelor s degree in international studies and German from American University in Washington, D.C. Matt spent a year on a post-graduate scholarship at the University of Cologne in Germany. He is a CFA charterholder and a member of the CFA Institute. Separate Account Subadvisory Account Global Real Estate Fund Available Vehicles Institutional Share Class - ARYNX R6 Share Class - ARYDX Investor Share Class - ARYVX A Share Class - ARYMX C Share Class - ARYTX R Share Class - ARYWX Available in U.S. and certain non-u.s. countries Available in U.S. and certain non-u.s. countries Available only in U.S. Global Real Estate Securities > 4

For purposes of compliance with the Global Investment Performance Standards (GIPS ), the Firm is defined as American Century Investment Management, Inc. ( ACIM ). ACIM claims compliance with the Global Investment Performance Standards (GIPS ). Portfolio construction guidelines document operational policies and not necessarily investment restrictions imposed on management of the strategy. In the UK, this promotion has been approved with limitations, in accordance with Section 21 of the Financial Services and Markets Act, by American Century Investment Management (UK) Limited, which is authorised and regulated by the Financial Conduct Authority. This promotion is directed at persons having professional experience of participating in unregulated schemes and units to which the communication relates are available only to such persons. Persons who do not have professional experience in participating in unregulated schemes should not rely on it. American Century Investment Management (UK) Limited is registered in England. Registered number: 06520426. Registered office: 30 Haymarket, London SW1Y 4EX This document does not constitute an offer or solicitation to invest. American Century Investment Management (UK) Limited may not be licensed in all jurisdictions, and unless otherwise indicated, no regulator or government authority has reviewed this document or the merits of the shares referenced herein. This document is provided on a privileged and confidential basis and, where required by local law, at the request of the recipient. This document (and the information contained herein) is for informational purposes only and is not to be reproduced, distributed or transmitted without the written consent of American Century Investment Management (UK) Limited. If you receive a copy of this document, you may not treat this as constituting a public offering and you should note that there may be restrictions or limitations to whom these materials may be made available. You should conduct appropriate checks to ensure that these materials are made available only to eligible recipients, pursuant to private placement exemptions, or are otherwise used in accordance with applicable law. If you wish to invest, it is your duty to inform yourself of, and to observe, all applicable laws and regulations of any relevant jurisdiction. In particular, you should inform yourself as to the legal requirements of so applying, and any applicable exchange control regulations and taxes in the countries of your respective citizenship, residence or domicile as well as any other requisite governmental or other consents or formalities which you might encounter which might be relevant to your purchase, holding or disposal of shares. Past performance is no indication as to future performance. Any investment is done at the investor s own risk. American Century Investment Management (Asia Pacific), Limited currently holds Type 1 and Type 4 registrations from the Securities and Futures Commission ( SFC ). American Century Investment Management, Inc. is not registered with the SFC. Portfolio managers are not licensed by Hong Kong and Futures Commission to perform any regulated function in or from Hong Kong. Furthermore, none of the portfolio managers are located in or operate in or from Hong Kong. To receive a complete list of composites and/or a GIPS compliant presentation, contact: 4500 Main Street Kansas City, MO 64111-7709 Fax: 816-340-3931 30 Haymarket London, SW1Y 4EX United Kingdom +44 20 7024 7080 Fax: +44 20 7930 5480 www.americancentury-global.com 666 Third Avenue, 23rd Floor New York, NY 10017 Fax: 646-658-7771 Suite 3201 Citibank Tower 3 Garden Road, Central Hong Kong +852 3405 2600 Fax: +852 2878 7340 www.americancentury-global.com 1665 Charleston Road Mountain View, CA 94043 Fax: 650-961-5420 2121 Rosecrans Avenue Suite 4345 El Segundo, CA 90245 Fax: 816-340-3931 2015 American Century Proprietary Holdings, Inc. All rights reserved. FOR INSTITUTIONAL USE ONLY IM-FLY-83779 1502 Global Real Estate Securities > 5