Risk Disclosure

1. Market Risk

The value of mutual fund investments may rise or fall depending on movements in equity markets, interest rates, credit conditions, currency movements, economic conditions and other factors.

An investor may receive less than the amount originally invested.

2. Equity Risk

Equity-oriented mutual funds can experience significant short-term volatility. Share prices may decline because of company-specific developments, economic conditions, market sentiment, geopolitical events or other factors.

Higher potential long-term growth is accompanied by higher market risk.

3. Debt and Fixed-Income Risk

Debt-oriented mutual funds are not risk-free. They may be affected by:

• Interest-rate risk
• Credit/default risk
• Liquidity risk
• Reinvestment risk
• Downgrade risk
• Market and economic conditions

A debt fund can also generate negative returns over certain periods.

4. Hybrid Fund Risk

Hybrid funds invest across more than one asset class. Although diversification may help manage portfolio risk, hybrid funds remain subject to the risks associated with their underlying investments.

5. SIP Risk

A SIP is a method of investing and does not guarantee profits. SIP may help create investment discipline and spread purchases over time, but it does not eliminate market risk.

The value of a SIP investment can decline, particularly over shorter periods.

6. No Guaranteed Returns

Illustrations, projections, calculators and examples shown on this website are not guarantees of future returns. Actual returns may be higher or lower than illustrated returns.

7. Inflation Risk

Even if an investment generates a positive return, inflation may reduce the purchasing power of the accumulated money. Investors should consider their investment horizon and financial goals when selecting investments.

8. Liquidity and Exit Load

Some mutual fund schemes may have exit loads or other conditions associated with redemption. Investors should review the applicable scheme documents before investing or redeeming.

9. Taxation Risk

Tax treatment may vary depending on the type of mutual fund, holding period, investor circumstances and prevailing tax laws. Tax laws may change from time to time.

Investors should consult a qualified tax professional for personalised tax advice.

10. Suitability Risk

An investment suitable for one investor may not be suitable for another. Investment decisions should consider factors such as:

• Financial goals
• Investment horizon
• Risk tolerance
• Liquidity requirements
• Existing investments
• Income and financial circumstances

11. Past Performance

Past performance of a mutual fund, benchmark, asset class or market does not indicate or guarantee future performance.

12. Investor Decision

The final investment decision rests with the investor. Investors should read the relevant Scheme Information Document, Key Information Memorandum, factsheet and other applicable documents carefully before investing.

For personalised guidance, investors may contact: