Money you invest in the Fund can both increase and decrease in value. Historic performance is no guarantee of future return. AGCM do not provide investment advice. Thus, before making an investment decision, an investor and/or its adviser should (i) consider the suitability of investments in the Fund with respect to its investment objectives and personal situation and (ii) consider factors such as its personal net worth, income, age, risk tolerance, and liquidity needs. Saving in funds should be viewed in a long-term perspective, which then may potentially offer a better return than traditional savings in fixed income. We recommend that you read the KIID, Prospectus and Full Disclaimer before you make an investment. You can also request such information via e-mail to firstname.lastname@example.org.