The Summary Risk Indicator (SRI) is based on the assumption that you will keep the product for 6 years. The real risk may vary significantly if you liquidate earlier. The summary risk indicator is a guide to the level of the risk of this product compared to other products. It shows how likely it is that the product will lose money because of movements in the markets or because we are not able to pay you.
We have classified this product as 2 out of 7, which is the low risk category because it invests primarily in debt securities, which can fluctuate. This classification may change in the future. The lowest class (1) does not mean zero risk. This product does not include any protection from future market performance, so you could lose some or all of your investment. This rates potential losses from future performance as 'low' and poor market conditions 'highly unlikely' to have an impact on our ability to pay you. This product does not include protection against future market performance, so you could lose some or all of your investment. Risks that may be materially related to the product and which are not included in the summary risk index are the following: Liquidity Risk which occurs when a particular investment is difficult to liquidate thus creating potential difficulty in liquidating your shares. Counterparty Risk the risk that the settlement of transactions will not be fulfilled smoothly such as non-payment of money or valid delivery of securities by the counterparty. Operational Risk is the risk related to potential malfunctions of the company's processes and systems. Interest rate risk is the risk of bond and money markets from changes in the interest rate curve
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