Past performance is not a guide to future performance.

• The value of investments and the income from them may go down as well as up and is not guaranteed. An investor may not get back the amount originally invested.
• Changes in the rates of exchange may cause the value of investments to go up or down.
• Where funds are invested in markets which may be considered 'emerging', then the risk inherent in the fund is higher. These funds are only suitable for those investors who are prepared to accept the above average volatility inherent in emerging market investment.
• Investment in derivative instruments, including futures, options or contracts for differences, carries a high risk of loss, the markets in these investments being highly volatile.
• For risks relating to specific products, please refer to the relevant documentation for that product.

This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact Parmars for advice.