Disclaimer

Risk Disclosures
Investment involves risk. Past performance is not an indicator nor a guarantee of future performance or returns. Projected performance or returns are not guaranteed to materialise. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested. Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund.

The value of the fund can be volatile and can go down substantially within a short period of time. It is possible that a certain amount or all of your investment could be lost.

Before making an investment decision, you are reminded to refer to the relevant prospectus/ offering document for specific risk considerations and related fees and charges.

Funds are not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested.  There is no assurance that a fund will have sufficient liquidity to meet redemption requests and that the fund's investment objectives and strategies will be achieved.

Some funds may use derivatives, whether for hedging or for investment purposes. The risks associated with derivatives include counterparty/credit, liquidity, valuation, volatility and market risks. The fund's volatility may increase or decrease from its derivative usage and such fund may suffer losses from its derivative usage. Do not invest in these funds unless you fully understand and are willing to assume the risks associated with them.

No invitation or solicitation of any investment product
Nothing contained on this webpage should be construed as a solicitation, recommendation, or an offer by Endowus or any of its affiliates to buy or sale any security or investment or to engage in any other transaction in any jurisdiction in which such solicitation, recommendation or offer to buy or sale would be unlawful under the securities laws in such jurisdiction. No information included on this webpage is to be construed as investment advice or as a recommendation or a representation about the suitability or appropriateness of any advisory product or service; or an offer to buy or sell, or the solicitation of an offer to buy or sell, any security, financial product, or instrument; or to participate in any particular trading strategy. Investors should seek independent financial and tax advice before making any investment decision.

This is not intended to be an invitation or offer made to the public to subscribe for any financial product or to enter into any transaction.

Informational purposes only
The content in this website is for information or educational purposes only. Nothing contained on this website constitutes or should be construed  as  any  forecast  or  research  or  tax,  accounting,  regulatory,  legal  or  investment  advice.  If  you  would  like  to  obtain  any  such professional advice, you should consult with your own professional advisors regarding your individual circumstances and needs.

The contents of this website have been prepared without regard to the investment objectives, financial situation, or means of any particular user, reader, any specific person or group of persons, and may not be suitable for everyone. This website is not soliciting any action based upon them, and you are responsible for any action that you take or decision that you make in reliance on any content on this website. You should carefully consider whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. Endowus is not liable under any circumstances.

Endowus reserves the right to change, modify, add or remove any content in this website without notice.

Past Performance does not guarantee future results
Unless otherwise specified, all performance figures shown in this website are for illustrative purposes only. Such performance figures are not actual customer or model returns and are not indicative of future performance or results of any investments. The actual return from or the value of investments may vary greatly and will depend on various factors including market circumstances. Any past performance is not indicative of future performance. Endowus does not guarantee the performance of any investment products under any circumstances.

Forward-looking statements
Some of the statements contained in this website may be considered forward-looking statements which provide current expectations or forecasts of future events such as the trends of an economy, stock market or bond market or an industry. There is no assurance that any forward-looking statement, prediction, projection or forecast will be realised in the future and actual results may differ materially as they are subject to market influences and contingent upon matters outside the control of Endowus.

Accuracy of Information on this website
Although the content in this website is based upon information that Endowus considers reliable and endeavours to keep current, Endowus does not assure that this material is accurate, current or complete, and it should not be relied upon as such. The information and services provided on this website are provided on an "AS IS" basis and without warranties of any kind, either expressed or implied. Endowus does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this website and does not warrant that the functions contained in this website will be uninterrupted or error-free, that defects will be corrected, or that the website will be free of viruses or other harmful components. Endowus expressly disclaims all liability for errors and omissions in the materials on this website and for the use or interpretation by others of information contained on the website.

Intellectual property rights
Copyright © 2022., ​​Endowus HK Limited, all rights reserved.

All website design, layouts, coding and functionality and y, arrangement thereof and all written content are Copyright of Endowus, all rights reserved. You may not otherwise copy or transmit the contents of this website either electronically or in hard copies, or link to this website. You may not alter the content of this site in any manner. If you are interested in using the contents of or linking to this website, please contact Endowus who may or may not grant permission.

For the avoidance of doubt, all information and Endowus’ dealings with you will be subject to Endowus’ Platform Agreement, Privacy Policy and Terms and Conditions, which will be available here.

Opinions
Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Endowus HK Limited (“Endowus”) and therefore may not be realised in the future. Further, any opinion or estimate is made on a general basis and subject to change without notice. In presenting the information above, none of Endowus HK Limited, its affiliates, directors, employees, representatives or agents have given any consideration to, nor have made any investigation of the objective, financial situation or particular need of any user, reader, any specific person or group of persons. Therefore, no representation is made as to the completeness and adequacy of the information to make an informed decision. You should carefully consider (i) whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.

Third party content
The information in this website relating to a particular collective investment scheme are provided by Morningstar Research Pte. Limited (the “Information Provider”) to Endowus HK Limited ("Endowus") unless otherwise specified. For technical reasons, certain information provided by the Information Provider may be different from that supplied by the respective fund houses. Neither the Information Provider nor Endowus guarantees or endorses the accuracy, reliability and completeness of the information provided by the Information Provider or that it is up-to date, and that such information has not been independently verified by Endowus. Further, there may be inadvertent delays, omissions, technical or factual inaccuracies or typographical errors.

Product Risk Rating
Please note that any product risk rating (the “PRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. The PRR is subject to change from time to time. The PRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell any fund or make any other investment decisions. Accordingly, you should not solely rely on the PRR in making your investment decision in the relevant Fund.