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The views expressed in this article reflect the personal views of the writer or extracted from various sources. The information provided herein is intended for general circulation and are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use will be contrary to local law or regulation. This article may not be copied, either in whole or in part, or distributed to any other person without our specific prior consent. The contents on this article do not have regard to the specific investment objectives, financial situation or particular needs of ant recipent. These articles shall not be construed as an offer or solicitation to buy, sell or subscribe for any investment or life insurance product or the giving of advice thereof. Accordingly, no warranty whatsoever is given and no liability whosoever will be accepted by the company or the writer, for any loss arising whether directly or indirectly as a result from you acting based on this information. Collective investment schemes and life insurance policies are subject to investment risks, including the possible loss of the principal amount invested. You are advised to read very carefully the applicable prospectus and/or profile statement of the collective investment schemes, as well as the applicable product summary and benefit illustration in respect of the life policies. As with all investments, past performance of the mentioned collective incestment schmes and life insurance policies and any projection of the economies, stock markets, bond markets and the economic trends of the markets are not necessary indicative of the future performance. Please seek advice from a financial adviser ( such as ourselves personally) or consult your professional regarding the suitability of the investment product, taking into account your specific investment objectives, financial situatuon or particular needs, before making a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser or a professional, you should consider whether the product is suitable for you.