Investors should take cognisance of the fact that there are risks involved in buying or selling any financial product. Past performance of a financial product is not necessarily indicative of future performance. The value of financial products can increase as well as decrease over time, depending on the value of the underlying securities and market conditions. Illustrations, forecasts, or hypothetical data are not guaranteed and are provided for illustrative purposes only. This document does not constitute a solicitation, invitation, or investment recommendation. Prior to selecting a financial product or fund, it is recommended that investors seek specialised financial, legal and tax advice.