Global Insurance Solutions

Investment risks

Past performance is not a guide to future performance. Your capital is at risk. The value of investments and income derived from them can go down as well as up as a result of market or currency movements and investors may get back less than the original amount invested. Not all investment ideas are suitable for all investors.

No capital guarantee – Positive returns are not guaranteed and no form of capital protection applies.

Exchange rate risk – Where investments are in assets that are denominated in multiple currencies, or currencies other than your own, changes in exchange rates may affect the value of the investments.

Economic and regulatory risks – Economic and regulatory risks can be significant. These factors can affect liquidity, settlement and asset values. Any such event can have a negative effect on the value of your investment.

Sustainable outcomes – Investing in companies which deliver sustainable outcomes requires adhering to a set of Sustainable Investment Guidelines. The Guidelines will affect exposure of an investment solution or portfolio to certain sectors, which may impact the performance of the solution or portfolio positively or negatively relative to a benchmark or other funds without such restrictions.

For professional and / or qualified investors only. Not to be used with or passed on to retail clients.

Disclaimer

This document is a Marketing Communication. This document should not be considered an offer or solicitation to buy or sell any securities or other financial instruments, or to provide investment advice or services. Past performance is not a guide to future performance. The value of investments and any income is not guaranteed and can go down as well as up and may be affected by exchange rate fluctuations. This means that an investor may not get back the amount invested.Where references are made to portfolio guidelines and features, these are at the discretion of the portfolio manager and may be subject to change over time and prevailing market conditions. Actual investment parameters will be agreed and set out in the prospectus or formal investment management agreement. Please note that the performance targets may not be attained.

The analysis included in this document has been produced by Columbia Threadneedle Investments for its own investment management activities, may have been acted upon prior to publication and is made available here incidentally. Any opinions expressed are made as at the date of publication but are subject to change without notice and should not be seen as investment advice. Information obtained from external sources is believed to be reliable, but its accuracy or completeness cannot be guaranteed.

This document is the property of Columbia Threadneedle Investments and must be returned upon request. This document is not investment, legal, tax, or accounting advice. Investors should consult with their own professional advisors for advice on any investment, legal, tax, or accounting issues relating an investment with Columbia Threadneedle Investments.

This document has been prepared and is issued in the United Kingdom by Threadneedle Asset Management Limited, No. 573204 and/or Columbia Threadneedle Management Limited, No. 517895, both registered in England and Wales and authorised and regulated in the UK by the Financial Conduct Authority.

Issued September 2023. Valid until September 2024. 5946698.