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Legal Statement

This publication provides general advice only. No direct or implicit recommendations are given in this publication. This means the general advice provided has not been prepared taking into account an individuals particular financial circumstances (ie investment objectives, financial situation or particular needs). You should assess whether the advice is appropriate to individual financial circumstances before making an investment decision.

Save for statutory liability which cannot be excluded Invest4life Pty Ltd disclaim all responsibility for any loss or damage which any person may suffer from reliance on this information or any opinion, conclusion or recommendation in this publication whether the loss or damage is caused by any fault or negligence on the part of Invest4life Pty Ltd or otherwise.