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Disclaimer

The information and opinions in this document are reproduced in good faith and are based on credible and reliable sources. No representation, undertaking or warranty whatsoever is made or given concerning the accuracy or completeness of such information or the correctness of such opinions.

The information contained herein does not constitute an offer or invitation to enter into a transaction with Spencer, and these data also contains no recommendation or guidance in order to enter into a transaction with Spencer. The information is provided for illustrative purposes and is not guaranteed. The value of the fund may rise or fall and past performance is in no way an indication of future performance.

The exposures as suggested by the graphs may differ from time to time due to market movements, fund limitations and Spencer’s discretion. The merits of any investment should be considered together with the investor’s specific risk profile and investment objectives, and it is therefore, recommended that an independent financial adviser be consulted. Spencer, yet still its affiliates, will be held liable for any losses incurred as a result of the contents of this document. Spencer is an authorised financial services provider with license number 40132.

Any complaints must be submitted in terms of the complaints resolution policy as established in terms of the FAIS Act. A copy of this policy is available at our offices on request. Spencer Financial Services:  82 Pres Reitz Avenue, Westdene, Bloemfontein, 9301 - Tel:  051 430 4503.