The information is not to be construed as an offer, invitation or solicitation to invest. Information contained herein is believed to be correct, but cannot be guaranteed. All investments should be regarded as for the long term because they can go down in value as well as up, so you could get back less than you invested. Any yield is variable and not guaranteed. No personal recommendation is being made to you and the past is not necessarily a guide to the future. In case of queries or doubt you should consult an independent investment adviser.