Risk Factors – Investing involves risk. Some investments have more risk than others. The investment return and principal value will fluctuate and investor’s shares/units when sold may be worth more or less than the original cost. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation and diversification do not assure a profit or protect against loss in declining markets. There is no guarantee a Fund’s objectives will be achieved. The risks associated with each scheme of a mutual fund are explained more fully in each fund’s information documents i.e. Scheme Information Document (SID), Statement of Additional Information (SAI) and Key Information Memorandum (KIM). Investment Products do not assure any returns and are not insured by any government agency, they may lose value, and are not a deposit of or guaranteed by any bank or any bank affiliate. Historic returns will be presented to investors on their insistence. The Direct Plan option is available in all mutual fund schemes and offers investors the benefit of a lower expense ratio. Since no commission is payable to distributors on Direct Plans, we do not facilitate transactions or provide services related to Direct Plans.We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure of commission earnings is made to clients at the time of investments.

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