The content of this Web site and e-mail correspondences (the Content) is provided to you for information and education purposes only, and should not be used as a basis for making any specific investment, business or commercial decision.

The Content should not be construed as an offer or solicitation for the subscription, purchase or sale of the securities, and specifically funds or any investment products, mentioned herein, or, in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.

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

The Content is not intended to provide professional advice and should not be relied upon in that regard. It also does not have any regard to your specific investment objective, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before investing in any of the products mentioned. In the event that you choose not to seek advice from a financial adviser, you should consider whether the investment product is suitable for you.

The Content, including this Disclaimer, are subject to change and may be modified, deleted or replaced from time to time and at any time.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units in any fund and the income from them may fall as well as rise. If the investment is denominated in a foreign currency, factors including but not limited to changes in exchange rates may have an adverse effect on the value, price or income of an investment.

Past performance figures as well as any projection or forecast used found in the Content, are not necessarily indicative of future or likely performance of any investment products.

This Web site and Content are not associated with CGS-CIMB Securities (Singapore) Pte Ltd. Any views, opinions, references or other statements or facts provided are personal views of Mr Ho Seng Foo and his associates, and are not supported, sanctioned or endorsed by any companies.