None of the organisations involved in the production of this booklet sell or promote any particular financial product. This booklet is not in any way an endorsement of any product mentioned. Do not rely on this information alone as the basis for making an investment. Readers are encouraged to seek independent advice before making investments.
The Commonwealth accepts no responsibility for the accuracy or completeness of any material contained in this publication. Additionally, the Commonwealth disclaims all liability to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon any information presented in this publication. The situations and names appearing in this publication are used to illustrate real life situations and do not refer to actual individuals.
Caution: Material in this publication is made available on the understanding that the Commonwealth is not providing professional advice. Before relying on any of the material in this publication, readers should obtain appropriate professional advice. Views and recommendations of third parties that may be included in this publication, do not necessarily reflect the views of the Commonwealth, or indicate a commitment to a particular course of action.