DISCLAIMER

The value of investments can fall as well as rise and you may not get back the amount you have invested. Income from an investment may fluctuate in money terms. Past performance is not necessarily a guide to future performance.

The price of shares, and the income therefrom if the collective investment scheme pays dividends, may go down as well as up; and Investors are reminded that in certain specified circumstances their right to redeem their shares may be suspended.

Tax rates and reliefs may change and the value of tax rates and reliefs depend on individual circumstances. Accordingly, clients should seek independent professional advice on taxation implications before making any decisions about a financial product or class of products.

The investment decision is yours. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances and are consistent with your investment objectives.