Disclaimers

This website is published for information only and does not have any regard to the specific investment objective , financial situation and the particular needs of any specific person who may receive this document  

Any opinion , view or estimate presented is subject to change without notice and is made on a general basis and is not to be relied on by you other than for general information purposes.

It is not an offer , solicitation  or recommendation to any person to invest in any product whatsoever or enter into any transaction or to adopt any hedging , trading or investment strategy.

While all reasonable care has been taken in preparing this document , no responsibility or liability is accepted for errors of fact or for any opinion expressed herein.

Accordingly , no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising either directly or indirectly as a result of you acting based on this information.

Investors should always obtain advice from a financial advisor and other relevant professionals before investing in any product or entering into any transaction mention herein.

Investment Linked Policies  

Buying an investment-linked policy is a long-term commitment. An early termination of the policy involves high costs and the surrender value payable may be less than total contribution paid.

This website contains general information on some products. The contents of this summary may vary from the terms of the policy contract finally issued to you. A person interested in these products should read and consider the product summary and benefit illustration in deciding whether to buy this product. You can ask for the product summary and benefit illustration from representatives, appointed distributors or our company.

The amount you get back will depend on your investment amount, the investment performance of the fund you have chosen and the changes on your policy account. The actual returns you might get back from your investment are not guaranteed and can be lower or higher than the amount you invested. The prices of funds are quoted in the major newspapers, so you can monitor the performance of your investment closely.

Insurance Products  

This webpage contains only general information. It does not constitute an offer to buy or sell an insurance product and service. It is also not intended to provide any insurance or financial advice. A person interested in the products mentioned in this website should read and consider the Product Summary and Benefit Illustration in deciding whether to buy this product.  

You can ask for the Product Summary from our Financial Planners.

Buying a insurance policy is a long-term commitment. An early termination of the policy usually includes high cost and the surrender value payable may be less than the total premiums paid.

Unit Trust & Other Investments

This publication is solely for information and private circulation only. It should not be construed as an offer or solicitation for the subscription, purchase or sale of the securities, and specifically funds, mentioned herein.

No actions should be taken without first viewing the details in a fund’ s prospectus. Past performance is not necessarily indicative of future returns. Investments in unit trusts are subjected to investment risks, including the possible loss of the principle amount invested.

Investors should note that the value of the units and income from the fund may rise as well as decline. Investors should also note that there are limitations whenever performance is stated or comparison is made to another unit trust or index for any specific period as no funds or indices are directly comparable.

Whilst we have taken all reasonable care to ensure that the information contained in this publication is accurate, it does not guarantee the accuracy or completeness of this publication. Any advice contained in this publication is made only on a general basis and is subject to change without notice. We have not given any consideration to and have not made any investigation of the investment objectives, financial situation or particular needs of any specific person or group of persons as we are not in possession of any such information.

Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of any person or group of persons acting on such information and advice.