Variable Contract Trusts

The Variable Contracts Trust consists of separate portfolios, each of which is an investment vehicle for variable annuity and variable life insurance contracts offered by the separate accounts of various insurance companies. The portfolios also may be offered to certain qualified pension and retirement plans. The portfolios are not available for direct retail investment by the general public.

Call 1-800-622-9876 for the most recent month-end performance results. Current performance may be lower or higher than the performance data quoted. The performance data quoted represents past performance, which is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than their original cost.

Performance results reflect any applicable expense waivers in effect during the periods shown. Without such waivers, fund performance would be lower. Waivers may not be in effect for all funds. Certain fee waivers are contractual through a specified period. Otherwise, fee waivers can be rescinded at any time. See the prospectus and financial statements for more information.

Performance shown does not include insurance product-related charges, which would lower returns.

Before investing, consider the investment objectives, features, risks, charges and expenses of the variable contract trust (VCT) and those of the underlying portfolios. The prospectus or summary prospectus for the VCT or any underlying portfolios contains this and other information and may be obtained from our literature page .

Securities offered through Amundi Distributor US, Inc.
60 State Street, Boston, MA 02109
Underwriter of Pioneer mutual funds, Member    SIPC.    

Not FDIC insured | May lose value | No bank guarantee Amundi Asset Management US, Inc.   Form CRS          Amundi Distributor US, Inc.   Form CRS