Risk Statement

Risk is inherent in every investment decision, therefore it is important to understand the relationship between risks and expected return prior to making such a decision.

In general, the higher the risk associated with an investment the higher the expected return is on the investment. Investment returns may be volatile over time and the possibility therefore exists for a Member to lose money or be unable to recover their initial investment amount.

It is important for asset purchasers to know that the future performance of any investment made is not guaranteed, including any return in the form of income. The underlying investments made can rise and fall in value. There are various risks within particular asset classes, some of which are specific to the type of asset and some of which are general risks of any investment.

Also, inflation can erode the value of the income you receive from your investments, making it more difficult to achieve your expected investment returns relative to your financial needs (such as to maintain your standard of living or to fund your retirement plans). Inflation refers to a general increase in prices over time, reducing the purchasing or investment power of money.

Market Risk :

There is always a risk that any investment may fall as well as rise in value through the movement of investment markets as a whole. Market forces will impact the price of investments, and at their worst, market values of some assets may become zero if adverse market conditions are encountered.

Timing Risk

Timing risk refers to the risk of price falls in markets shortly after the purchase of an investment or conversely the risk of price rises in markets shortly after investments are sold.

Political Risk

There is a risk that investments could be adversely impacted by political factors. These could include changes to domestic and international political parties, legislative changes (such as the treatment of taxation) or change in government policy.

Liquidity Risk

Liquidity risk is the risk that the we will have difficulty in realizing assets necessary to fund withdrawals in a timely manner.

Accuracy of Information

The content on this website is subject to change at any time without notice and is provided for the sole purpose of assisting people to make independent investment decisions. We have taken reasonable measures to ensure the accuracy of the information on the website; however, it does not guarantee accuracy and will not accept liability for any loss or damage which may arise directly or indirectly from the content or from your inability to access the website, or for any delay in or failure of the transmission or the receipt of any instruction or notifications sent through this website.

Do Your Own Research

Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your personal circumstances. You should take independent financial advice from a professional in connection with, or independently research verify any information that you find on our website and wish to rely upon, whether for purpose of making an investment decision or otherwise.

Not Financial or Investment Advice

The information contained on this website and the resources available for download through this website is not intended as, and shall not be understood or construed as, financial advice. We are not an attorney, accountant or financial adviser, nor are we holding ourselves out to be, and the information contained on this website is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.

We have done our best to ensure that the information provided on this website and the resources available to download are accurate and provide valuable information. Regardless of anything to the contrary, and nothing available on all through this website should be understood as a recommendation that you should not consult with a financial professional to address your particular information. The company expressly recommend that you seek advice from our professional.