Key Investment Risks
- Market risk: Values may fluctuate due to economic shifts, political events, interest-rate changes, or global developments.
 - Liquidity risk: Certain securities may be difficult to sell without incurring significant losses, particularly during market downturns.
 - Credit / counterparty risk: Issuers or counterparties may fail to honour their obligations.
 - Inflation risk: Rising prices can erode the purchasing power of your returns.
 - Currency risk: Foreign investments are subject to exchange-rate fluctuations.
 - Regulatory risk: Changes in laws, regulations, or tax regimes can materially affect performance.
 - Technology and cybersecurity risk: Digital infrastructure may experience outages, breaches, or unauthorised access.
 
General Disclaimers
- Past performance does not guarantee future results.
 - All investments carry risks; objectives may not be met.
 - You may lose some or all of your invested capital.
 
Investor Responsibility
Before investing, you should:
- Review all relevant documents.
 - Clarify all fees and charges.
 - Define your objectives, time horizon, and risk tolerance.
 - Seek independent financial, legal, or tax advice as needed.