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Kindly note that this does not constitute financial advice. In terms of the Financial Advisory and Intermediary Services Act, a FSP should not provide advice to investors without appropriate risk analysis and thorough examination of a particular client’s financial situation. The information, opinions and any communication from the PPS Investments Group [PPS Investments Proprietary Limited, PPS Multi-Managers Proprietary Limited, PPS Investment Administrators and PPS Management Company Proprietary Limited (RF)], whether written, oral or implied are expressed in good faith and not intended as investment advice, neither does it constitute an offer or solicitation in any manner. Furthermore, all information provided is of a general nature with no regard to a specific investment objective, financial situation or particular needs of any person. It is recommended that investors first obtain appropriate legal, tax, investment or other professional advice prior to acting upon such information. The information provided in this document is subject to the registered rules of the Funds and /or products. We endeavour to provide accurate and timely information but we make no representation or warranty, express or implied, with respect to the correctness, accuracy or completeness of the information and opinions. We do not undertake to update, modify or amend the information on a frequent basis or to advise any person if such information subsequently becomes inaccurate. In the event that specific collective investment schemes in securities (unit trusts) and/or their performance is mentioned please refer to the relevant fact sheet in order to obtain all the necessary information in regards to that unit trust. PPS Provider™ policies are long-term insurance policies issued by PPS Insurance Company Limited. PPS Investments (39270), PPS Multi-Managers (28733) and PPS Insurance (1044) are licensed Financial Services Providers. PPS Investments and PPS Multi-Managers are only available in South Africa.