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Important Note:
Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours but you should not invest in that investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Risk Disclosure Statements:
If you would like to have a printed copy of the offering documents, please contact our staff at branches.

Investment involves risk. The prices of units / shares of collective investment schemes fluctuate, sometimes dramatically and may become valueless. Investors may not get back the amount they have invested. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance is no guide to its future performance.
Investor(s) should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and is advised to seek independent professional advice before making any investment decision. Investor(s) should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective and risk tolerance level.

**The risk rating to which any fund is currently classified may change from time to time. The risks arising from any transaction in relation to such fund (“Transaction”) may not correspond to your risk tolerance level or, when aggregated with those arising from other outstanding Transaction(s) effected through your Investment Fund Account, exceed or fall below your risk tolerance level. You are advised to read the offering documents carefully to understand the risks involved before entering into any Transaction.