Disclaimer

This Product Disclosure Statement (PDS) follows requirements set by the Australian Securities & Investment Commission (ASIC). It will help you to: decide whether this product will meet your needs; and compare this product with others you may be considering.

The information contained in this PDS is general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether this information is appropriate to you and talk to your Adviser before making an investment decision.

UNDERSTANDING THE RISKS OF INVESTING

No matter what investment you choose there will always be some level of investment risk.

Investment risk is often described as the risk of fluctuations in the market price of a particular investment.

Risk can be managed and even minimised, but cannot be eliminated. No matter how skilled the investment manager, or however strong a fund’s performance has been in the past, there is always a chance you could receive back less than you invested.

That is, you may lose money no matter what investments you make. You should be aware of these risks when investing and understand that not all risks are foreseeable.