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International Fund

Investment Adviser: Foresters Investment Management Company, Inc. is the Fund's investment adviser and Vontobel Asset Management, Inc. serves as subadviser of the Fund.

Portfolio Manager: Matthew Benkendorf

Investment Objective and Strategy

The Fund primarily seeks long-term capital growth.

Sector Allocation (%)

As of 09-30-2018

This information is for illustrative purposes only and includes only invested cash; therefore, the sum of all sectors as a percentage of net assets may not equal 100%.

Top Holdings (%)

As of 09-30-2018
Top Holdings (%)
Security% of Total Net Assets
HDFC Bank, Ltd.3.9%
Unilever NV - CVA3.4%
Alimentation Couche-Tard, Inc.3.4%
Booking Holdings, Inc.3.3%
Reckitt Benckiser Group, PLC3.1%
Taiwan Semiconductor Manufacturing Co. Ltd.2.9%
Nestle SA2.8%
SAP SE2.7%
Canadian National Railway Co.2.7%
Mastercard, Inc.2.5%
Total30.6%

This information is solely for illustrative purposes. The portfolio as of the date of this report may or may not be the same as the portfolio on the date this material is used.

Returns as of 11-30-2018 09-30-2018
Gross/Net Exp as of 09-30-2017 Gross/Net Exp as of 09-30-2017
Average Annual Total Returns
Class 1 Yr. % 3 Yr. % 5 Yr. % 10 Yr. % Since inception* Inception date Gross/Net Exp %
Average Annual Total Returns
Aat NAV1.838.415.286.05N/A06-26-20061.58/1.58
w/ sales charge-4.046.304.055.43N/A06-26-20061.58/1.58
Bat NAV1.037.524.415.39N/A06-26-20062.40/2.40
w/ sales charge-2.976.654.085.39N/A06-26-20062.40/2.40
Advisorat NAV2.218.845.64N/A4.7604-01-20131.18/1.18
Institutionalat NAV2.368.965.82N/A4.9304-01-20131.09/1.09
Average Annual Total Returns
ClassA
at NAV
1 Yr. %1.83
3 Yr. %8.41
5 Yr. %5.28
10 Yr. %6.05
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %1.58/1.58
Average Annual Total Returns
ClassA
w/ sales charge
1 Yr. %-4.04
3 Yr. %6.30
5 Yr. %4.05
10 Yr. %5.43
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %1.58/1.58
Average Annual Total Returns
ClassB
at NAV
1 Yr. %1.03
3 Yr. %7.52
5 Yr. %4.41
10 Yr. %5.39
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %2.40/2.40
Average Annual Total Returns
ClassB
w/ sales charge
1 Yr. %-2.97
3 Yr. %6.65
5 Yr. %4.08
10 Yr. %5.39
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %2.40/2.40
Average Annual Total Returns
ClassAdvisor
at NAV
1 Yr. %2.21
3 Yr. %8.84
5 Yr. %5.64
10 Yr. %N/A
Since inception*4.76
Inception date04-01-2013
Gross/Net Exp %1.18/1.18
Average Annual Total Returns
ClassInstitutional
at NAV
1 Yr. %2.36
3 Yr. %8.96
5 Yr. %5.82
10 Yr. %N/A
Since inception*4.93
Inception date04-01-2013
Gross/Net Exp %1.09/1.09
Average Annual Total Returns
Class 1 Yr. % 3 Yr. % 5 Yr. % 10 Yr. % Since inception* Inception date Gross/Net Exp %
Average Annual Total Returns
Aat NAV-6.674.593.858.17N/A06-26-20061.58/1.58
w/ sales charge-12.022.542.637.53N/A06-26-20061.58/1.58
Bat NAV-7.403.733.017.57N/A06-26-20062.40/2.40
w/ sales charge-11.102.792.657.57N/A06-26-20062.40/2.40
Advisorat NAV-6.245.004.24N/A3.5204-01-20131.18/1.18
Institutionalat NAV-6.205.104.37N/A3.6804-01-20131.09/1.09
Average Annual Total Returns
ClassA
at NAV
1 Yr. %-6.67
3 Yr. %4.59
5 Yr. %3.85
10 Yr. %8.17
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %1.58/1.58
Average Annual Total Returns
ClassA
w/ sales charge
1 Yr. %-12.02
3 Yr. %2.54
5 Yr. %2.63
10 Yr. %7.53
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %1.58/1.58
Average Annual Total Returns
ClassB
at NAV
1 Yr. %-7.40
3 Yr. %3.73
5 Yr. %3.01
10 Yr. %7.57
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %2.40/2.40
Average Annual Total Returns
ClassB
w/ sales charge
1 Yr. %-11.10
3 Yr. %2.79
5 Yr. %2.65
10 Yr. %7.57
Since inception*N/A
Inception date06-26-2006
Gross/Net Exp %2.40/2.40
Average Annual Total Returns
ClassAdvisor
at NAV
1 Yr. %-6.24
3 Yr. %5.00
5 Yr. %4.24
10 Yr. %N/A
Since inception*3.52
Inception date04-01-2013
Gross/Net Exp %1.18/1.18
Average Annual Total Returns
ClassInstitutional
at NAV
1 Yr. %-6.20
3 Yr. %5.10
5 Yr. %4.37
10 Yr. %N/A
Since inception*3.68
Inception date04-01-2013
Gross/Net Exp %1.09/1.09

*For funds with less than 1, 3, 5 or 10 year performance data.

 

 

The performance data quoted represents past performance. Past performance does not guarantee future results. Investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance and expense ratios may be higher or lower than the data quoted. Performance of share classes will differ because each class is sold pursuant to different sales arrangements and bears different expenses. The Class A returns shown with sales charges are based on the maximum sales charge of 5.75% for Equity Funds, 4% for the Municipal Funds and Bond Funds, except First Investors Limited Duration, High Quality Bond Fund and First Investors Floating Rate Fund, which are 2.5%. The Class B returns shown with sales charges are adjusted for the applicable deferred sales charge (maximum of 4% in the first year). The Advisor Class and Institutional Class returns are shown as NAV only returns since these classes are sold without sales charges. Redemptions of Class B shares may be subject to a deferred sales charge. Returns may reflect waivers or reimbursements of certain expenses. Absent of these waivers or reimbursements, returns may be lower.

For more complete information on any First Investors fund, you may obtain a free prospectus by downloading it here,  contacting your registered representative, or calling 800 423 4026. You should consider the investment objectives, risks, fees or charges, and expenses of the fund carefully before investing. The prospectus and summary prospectus contain this and other information about the fund, and should be read carefully before you invest or send money.

Annual Performance before Sales Charge (%)

All distributions reinvested
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 YTD 2018
MSCI EAFE Index (Gross) -43.06 32.46 8.21 -11.73 17.90 23.29 -4.48 -0.39 1.51 25.62 -0.98
A Shares -41.73 21.94 12.06 -0.32 19.74 5.59 1.87 2.41 -4.87 31.69 -2.69
MSCI EAFE Index (Net) -43.38 31.78 7.75 -12.14 17.32 22.78 -4.90 -0.81 1.00 25.03 -1.43
Annual Performance before Sales Charge (%)
MSCI EAFE Index (Gross)
2008 -43.06
2009 32.46
2010 8.21
2011 -11.73
2012 17.90
2013 23.29
2014 -4.48
2015 -0.39
2016 1.51
2017 25.62
YTD 2018 -0.98
Annual Performance before Sales Charge (%)
A Shares
2008 -41.73
2009 21.94
2010 12.06
2011 -0.32
2012 19.74
2013 5.59
2014 1.87
2015 2.41
2016 -4.87
2017 31.69
YTD 2018 -2.69
Annual Performance before Sales Charge (%)
MSCI EAFE Index (Net)
2008 -43.38
2009 31.78
2010 7.75
2011 -12.14
2012 17.32
2013 22.78
2014 -4.90
2015 -0.81
2016 1.00
2017 25.03
YTD 2018 -1.43

Sector Allocation (%)

As of 09-30-2018

This information is for illustrative purposes only and includes only invested cash; therefore, the sum of all sectors as a percentage of net assets may not equal 100%.

Top Holdings (%)

As of 09-30-2018
Top Holdings (%)
Security% of Total Net Assets
HDFC Bank, Ltd.3.9%
Unilever NV - CVA3.4%
Alimentation Couche-Tard, Inc.3.4%
Booking Holdings, Inc.3.3%
Reckitt Benckiser Group, PLC3.1%
Taiwan Semiconductor Manufacturing Co. Ltd.2.9%
Nestle SA2.8%
SAP SE2.7%
Canadian National Railway Co.2.7%
Mastercard, Inc.2.5%
Total30.6%

This information is solely for illustrative purposes. The portfolio as of the date of this report may or may not be the same as the portfolio on the date this material is used.

Regional Allocation (%)

As of 09-30-2018
Security% of Total Net Assets
United States17.4%
United Kingdom15.4%
Canada8.1%
India7.5%
France7.1%
Spain6.3%
Ireland6.1%
Germany5.6%
Netherlands4.8%
Hong Kong3.9%
Switzerland3.8%
Japan3.2%
Taiwan2.9%
Belgium2.0%
Mexico1.0%
Singapore1.0%
Sweden1.0%
Cash Equivalents2.0%
Total99.0%

This information is for illustrative purposes only and includes only invested cash; therefore, the sum of all sectors as a percentage of net assets may not equal 100%.

Risk Measure 3 Year

As of 09/30/2018
3 Year *
Alpha** 0.67
Beta** 0.78
R-Squared** 69.78
Sharpe Ratio 0.76
Standard Deviation 10.05
* Calculations measured against Class A shares
** Measured against the Fund's benchmark
Class A Class B Advisor Class Institutional Class
Shareholder Fees (fees paid directly from your investment)
Maximum sales charge (load) imposed on purchases (as a percentage of offering price) 5.75%1 None None None
Maximum deferred sales charge (load) (as a percentage of the lower of purchase price or redemption price) 1.00%2 4.00%3 None None
Class A Class B Advisor Class Institutional Class
Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)
Management Fees 0.98% 0.98% 0.98% 0.98%
Distribution and Service (12b-1) Fees 0.30% 1.00% None None
Other Expenses 0.30% 0.42% 0.20% 0.11%
Total Annual Fund Operating Expenses 1.58% 2.40% 1.18% 1.09%

1 Due to rounding of numbers in calculating a sales charge, you may pay more or less than what is shown above.

2 A CDSC of 1.00% will be assessed on certain redemptions of Class A shares that are purchased without a sales charge.

3 4.00% in the first year, declining to 0% after the sixth year. Class B shares convert to Class A shares after eight years.

Managers

The Fund is managed primarily by Matthew Benkendorf, Managing Director, Chief Investment Officer and Portfolio Manager for Vontobel, who has served as Portfolio Manager of the Fund since 2016. Daniel Kranson and David Souccar, each an Executive Director, Senior Research Analyst and Portfolio Manager for Vontobel, have served as Deputy Portfolio Managers of the Fund since 2016.

How to obtain a prospectus

For more complete information on any First Investors fund, you may obtain a free prospectus by
downloading it here, contacting your registered representative, or calling 800 423 4026. You should consider the investment objectives, risks, fees or charges, and expenses of the fund carefully before investing. The prospectus and summary prospectus contain this and other information about the fund, and should be read carefully before you invest or send money. An investment in a fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.

 

Principal Risks:  You can lose money by investing in the Fund.  There is no guarantee that the Fund will meet its investment objective. 

Here are the principal risks of investing in the Fund:

Emerging Markets Risk.  The risks of investing in foreign securities are heightened when investing in emerging or developing markets.  The economies and political environments of emerging or developing countries tend to be more unstable, resulting in more volatile rates of returns than developed markets and substantially greater risk.

Focused Portfolio Risk.  Because the Fund’s assets may be invested in a limited number of issuers its performance may be more volatile than other funds whose portfolios contain a larger number of securities. 

Foreign Securities Risk.  There are special risk factors associated with investing in foreign securities, including the risks of fluctuations in exchange rates, potential political and economic instability, differing accounting and financial reporting standards or inability to obtain reliable financial information regarding a company’s financial condition, less stringent regulation and supervision of foreign securities markets, custodians and securities depositories, and potential capital restrictions.  To the extent the Fund invests a significant portion of its assets in securities of a single country or region, it is more likely to be affected by events or conditions of that area.  As a result, it may be more volatile than a more geographically diversified fund.

Liquidity Risk.  Certain investments may be difficult or impossible to sell at a favorable time or price.  Market developments may cause the Fund’s investments to become less liquid and subject to erratic price movements.  This risk is particularly acute in the case of foreign securities that are traded in smaller, less-developed or emerging markets.

Market Risk.  Stock prices may decline over short or even extended periods due to general economic and market conditions, adverse political or regulatory developments or interest rate fluctuations.  Adverse market events may lead to increased redemptions, which could cause the Fund to experience a loss or difficulty in selling securities to meet redemptions.

Mid-Size and Small-Size Company Risk.  The market risk associated with the securities of mid- and small-size companies is generally greater than that associated with securities of larger companies because such securities tend to experience sharper price fluctuations.  At times, it may be difficult to sell mid-to-small size company stocks at reasonable prices.

Sector Risk.  The Fund may hold a significant amount of investments in similar businesses, which could be affected by the same economic or market conditions.

Security Selection Risk.  Securities selected by the portfolio manager may perform differently than the overall market or may not meet expectations.

An investment in the Fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.