Risk disclosure and general advice warning

General information only

Everything published on this website, and everything contained in the information pack we send by email, is general information only. It has been prepared without taking into account your objectives, financial situation or needs.

Nothing on this website constitutes personal financial product advice, tax advice, credit advice or legal advice, and it should not be relied upon as such.

Investment risk

All investments carry risk, including the possible loss of some or all of the capital invested. Different investments carry different levels and types of risk, including market risk, inflation risk, liquidity risk, credit risk and legislative risk.

Past performance is not a reliable indicator of future performance. No outcome, return, income or capital guarantee is made or implied by us or by any party referred to on this website.

No promises about returns

We do not forecast, promise or imply any specific investment return. Any figures, percentages or examples shown are illustrative and used to explain a concept, not to project an outcome for you.

Rules and thresholds change

Superannuation, taxation and social security rules change regularly, and some changes apply retrospectively. Always confirm current rules, rates and thresholds with the ATO, Services Australia, Moneysmart or a licensed professional before acting.

Seek licensed advice

Before making any decision about superannuation, retirement income or investments, we encourage you to obtain personal advice from a financial adviser licensed in Australia. You can check an adviser's authorisation on the ASIC Financial Advisers Register.

If you choose to speak with a licensed adviser as a result of contacting us, that is a separate professional relationship, and any advice given is theirs, not ours.

Third-party links

We link to government and industry resources for convenience. We do not control those websites and are not responsible for their content or accuracy.