(PUB) Investing 2015

May 2015

Morningstar FundInvestor

7

Data through April 30, 2015 Virtus Emerging Markets Opportunities A

Ticker

Status Yield Total Assets

Mstar Category

HEMZX Open

0.6% $10,700 mil

Diversified Emerging Mkts

Morningstar Analyst Rating 04-08-15 „

Investment Style Equity Stock %

Historical Profile Return Risk Rating High Low Highest

95% 99% 95% 94% 87% 94% 98% 95% 95%

Manager Change Partial Manager Change

15.0 20.0 25.0 32.0

Morningstar Pillars Process Performance

Growth of $10,000

Positive Positive Positive Negative Neutral

Investment Values of Fund Investment Values of MSCI WexUS

People Parent Price

10.0

§ ¶

NAV Total Return % +/-MSCI WexUS +/-MSCI Emg Mkt Income Return % Capital Return % Total Rtn % Rank Cat Performance Quartile (within Category) History

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 04-15

Morningstar Analyst Rating Morningstar evaluates mutual funds based on five key pillars, which its analysts believe lead to funds that are more likely to outperform over the long term on a risk-adjusted basis. Analyst Rating Spectrum Œ „ ´ˇ ¨

10.88 19.67 -1.24 -5.88

12.27 31.08 14.46 -2.92

12.14 29.21 2.56 -2.93

9.80

4.76

6.96 48.12 6.67

8.83 27.82 16.67 8.94

8.44 -3.13 10.58 15.29 0.50 -3.63

10.00 19.62

9.26 -6.58 -3.98 0.79 -7.37 0.08 0.00 1.58 0.79 89

9.58 5.23 9.10 7.42 0.67 4.56 0.06 0.11 1.55 0.71 3

9.84 2.71 -6.01 -7.39 0.00 2.71 0.00 0.00 . . . 836 91

-46.04 37.16

20.51 -2.26

-0.51

-21.87 2.79

-30.39 7.29

1.40 0.65

1.07

0.82

1.55

0.69

0.99

1.63

0.79

18.60

30.26

27.66

-47.03 36.47

46.49

27.03

18.97

80

57

73

47

3

96

5

2

39

Pillar Spectrum Positive

0.11 0.85 1.83 0.49

0.09 1.76 1.70 0.91

0.18 3.39 1.59 0.60

0.08 5.92 1.60 0.77

0.09 0.70 1.79 0.65 126

0.08 0.00 1.72 1.34

0.06 0.00 1.66 0.87

0.04 0.07 1.61 1.09

0.05 0.03 1.60 0.78

Income $

§ Negative

¶ Neutral

Capital Gains $ Expense Ratio % Income Ratio % Turnover Rate % Net Assets $mil

Performance 04-30-15 1st Qtr 2nd Qtr

3rd Qtr

4th Qtr

Total

49

43

83

92 12

50 43

33

29

28

31

28

2011 2012 2013 2014 2015

-0.23 5.48 -13.61 6.54 -3.13 12.32 -3.31 5.05 4.86 19.62 1.40 -6.46 -1.27 -0.23 -6.58 1.94 7.67 -1.29 -2.87 5.23 1.77 . . . .

1

1

7

11

223

472

1,205

1,100

772

Portfolio Analysis 03-31-15 Share change since 12-14 Total Stocks:74 Sector

Rating and Risk Time Load-Adj

Country

% Assets

Morningstar

Morningstar Risk vs Cat

Morningstar Risk-Adj Rating

Period Return % Rtn vs Cat

British American Tobacco Housing Development Fina Fidelityfi Instl MM Fds M

Cnsmr Def

U.K.

5.08 5.06 4.49 3.95 3.41 3.25 3.03 2.98 2.68 2.61 2.51 2.19 2.16 2.08 2.00 1.99 1.85 1.81 1.72 1.72

1 Yr 3 Yr 5 Yr

-0.49 0.38 5.89 10.51 9.56

Trailing

Total +/- MSCI

+/- MSCI

%Rank Growth of

Finan Svs India

Return% WexUS Emg Mkt -0.61 -9.49 -10.06

Cat

$10,000

Avg High High

Avg Low Low

United States

.

3 Mo 6 Mo 1 Yr

98 9,939 84 9,722 42 10,558 54 10,731 3 14,124 4 28,832 22 38,429

Ambev SA ADR

Cnsmr Def Cnsmr Def

Brazil India

-2.78 -8.34 5.58 2.95 2.38 -6.36 7.15 1.11 11.17 4.91 9.39 5.18

-6.70 -2.22 -0.86 4.13 1.59 1.11

10 Yr Incept

ITC Ltd

HDFC Bank Ltd Baidu Inc ADR SABMiller PLC

Finan Svs India Technology China

3 Yr Avg 5 Yr Avg 10 Yr Avg 15 Yr Avg

Other Measures

Standard Index MSCI WexUS

Best Fit Index

Cnsmr Def Cnsmr Def Utilities

U.K.

Fomento Economico Mexica Power Assets Holdings Lt Sun Pharmaceuticals Indu Hindustan Unilever Ltd Naspers Ltd Class N Sands China Ltd PT Bank Central Asia Tbk Tencent Holdings Ltd Taiwan Semiconductor Man Wal - Mart de Mexico SAB Telekomunikasi Indonesia Cielo SA

Mexico

Alpha

-4.7 0.86

-1.1 0.85

Hong Kong

Beta

Hlth care India Technology Brazil

R-Squared

64

72

Tax Analysis Tax-Adj Rtn% %Rank Cat Tax-Cost Rat %Rank Cat 3 Yr (estimated) 5 Yr (estimated) 10 Yr (estimated) 0.03 74 0.35 40 5.57 5 0.30 35 8.23 24 2.07 90 Potential Capital Gain Exposure: 5% of assets Morningstar’s Take by Gregg Wolper 04-08-15 Virtus Emerging Markets Opportunities is one of the better choices in its field, but it requires understanding.ž This fund, run by Rajiv Jain since 2006, has one of the best returns in its Morningstar Category of diversified emerging-markets for the trailing five years through March 31, 2015, and it also has stellar returns for the nearly nine-year period of his tenure. It’s also crushed the MSCI Emerging Markets Index over both stretches. What’s more, the fund has a Morningstar Risk rating of Low, which indicates that it has been less volatile (with downside volatility emphasized) than most rivals. Indeed, in the severe downturn of 2011, the fund outperformed the category average by nearly 17 percentage points, holding its loss to just 3.1%, and in 2014, the fund gained 5.2% while the category average fell 3%. Jain has achieved this welcome combination by diverging from the portfolios of peers and the index. He focuses on steadily growing, tested companies, often consumer-focused and oriented toward their domestic markets. That helps shield the fund to a certain extent

Cnsmr Def

India

Standard Deviation

13.62 2.38 0.24

Technology South Africa Cnsmr Cyc Macau Finan Svs Indonesia Technology China Technology Taiwan

Mean

Sharpe Ratio

Cnsmr Def

Mexico

from broad global investor sentiment toward emerging markets as a whole or big names like the oil giants. But country-specific sentiment can influence performance, even though Jain targets companies rather than countries. Most notably, the pessimism surrounding India’s market for most of 2013, and the rosy view in 2014, help explain why this fund, with a marked overweighting in that market, landed in the category’s bottom quartile in the former year but well into the top quartile in the latter. Jain’s patient, sensible approach has worked for many years here and since 2002 at Virtus Foreign Opportunities JVIAX. It should continue to do so. But this unusual portfolio will be out of sync with the markets at times, and will lag as a result. Patience is thus critical for shareholders. In addition, the Parent rating for Virtus, for whom Jain and Vontobel subadvise, was recently downgraded to Negative. That should not have much effect on this fund, for Vontobel is separate from Virtus and has been allowed to operate independently. But it bears watching.

Comm Svs Indonesia

Current Investment Style

Sector Weightings

% of Stocks

Rel MSCI

3 Year Low

WexUS High

Market Cap % Giant 75.6 Large 21.6 Mid 2.7 Small 0.1 Micro 0.0 Avg $mil: 29,537

Value Blnd Growth

Cyclical 38.30 BasicMat 2.28 CnsmrCyc 7.95 FinanSvs 27.12 Real Est 0.95 Sensitive 22.87 CommSrvs 3.96 Energy 0.84 Technlgy 17.51 Defensive38.82 CnsmrDef31.17 Hlthcare 4.57 Utilities 3.08 Industrl 0.56

. .

h r t y u j i o p a k s d f

Large Mid Small

5 2

. 10 7 . 33 25

2 1

. . . . .

5 0 1 0 1 0

Growth Measures Long-Term Erngs Book Value Sales Cash Flow Historical Erngs Price/Cash Flow Dividend Yield % Value Measures Price/Earnings Price/Book Price/Sales

Rel Category

12.69 10.96 9.21 0.94 21.74 19.79 3.28 3.59 4.55 3.49

0.95 1.12 1.94 0.16 3.13 1.70 1.92 3.39 0.85 1.14

. 18 3

.

. 42 31

5 3 4 3

. .

% Rel Category

Regional Exposure UK/W. Europe 10 Japan 0 Asia X Japan 64

% Stock

N. America 0 Latn America 21 Other 5

Address:

Virtus Insight Trust Greenfield, MA 3301 800-243-1574

Minimum Purchase: Min Auto Inv Plan:

$2500 $100

Add: $100 IRA: $100

Add: $100

Sales Fees:

5.75%L,

Composition - Net

Web Address: Inception: Advisor: Subadvisor: NTF Plans:

www.virtusinvestmentpartners.com

Management Fee:

1.00% mx./0.95% mn., 0.10%A Mgt:0.96% Dist:0.25% 3Yr:$1039 5Yr:$1376 10Yr:$2325

Country Exposure

% Stock

Cash Stocks

4.6

Bonds Other

0.0 0.0

08-11-99

Actual Fees:

India Brazil

27 14 10

China Mexico

9 7

Virtus Investment Advisers, Inc. Vontobel Asset Management, Inc. DATALynx NTF, Federated Tr NTF

Expense Projections: Income Distribution:

95.4

Semi-Annually

Foreign

100.0

(% of Stock)

U.K.

Mutual Funds ß ®

© 2015Morningstar, Inc.All rights reserved. The information herein isnot representedorwarranted tobe accurate, correct, complete or timely.Pastperformance isnoguaranteeof future results.Accessupdated reports at Toorder reprints, call312-696-6100. mfb.morningstar.com.

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