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The information contained on this website was prepared by Russell Investment Group Limited on the basis of information available at the time of preparation. This website provides general information only and should not be relied upon in making an investment decision. Investors should seek professional financial advice from an authorised financial adviser which takes into account their personal circumstances before making an investment decision. In particular, the information contained on this website is not financial advice for the purposes of the Financial Markets Conduct Act 2013 as amended by the Financial Services Legislation Amendment Act 2019.. Russell Investment Group Limited and its directors will not be liable (to the maximum extent permitted by law) for any loss or damage arising as a result of reliance being placed on any of the information contained in this publication. None of Russell Investment Group Limited, Russell Investment Management Limited, any member of the Russell Investments group of companies, their directors or any other person guarantees the repayment of your capital or the return of income. We do not make any warranty or representation regarding the information. Without prior written permission from us, it may not be reproduced, in whole or in part, in any form, other than for your own personal, non-commercial use.

Hyperlinks may be used on this website that take you to third party websites which are not within our control. We have not reviewed these websites and are not responsible for their availability, accuracy or content or for any loss or damage that may arise out of your use of them. The inclusion of a hyperlink does not imply that we endorse, recommend or approve any material on the linked page or accessible from it.

None of Russell Investment Group Limited, any other members of the Russell Investments group of companies nor their directors accept any liability, whether in contract, tort (including negligence), equity or otherwise, to compensate or indemnify any person for any loss arising directly or indirectly from any person using or relying on any content of the website or any other website linked to this website.

Russell Investment Group Limited is a company incorporated and existing under the laws of New Zealand whose registered office is at Level 36, ANZ Centre, 23-29 Albert Street, Auckland 1010, New Zealand.

Russell is the owner of the Russell trademarks and all trademark rights related to the Russell trademarks, which the members of the Russell Investments group of companies are permitted to use under license from Russell. The members of the Russell Investments group of companies are not affiliated in any manner with Russell or any entity operating under the ‘FTSE Russell’ brand.

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Any statements of opinion expressed within this publication are that of Russell Investments and are current at the time of issue. The information and opinion given in this publication is given in good faith. All opinions expressed are subject to change at any time. Russell Investments nor any of its staff accepts liability with respect to the information or opinions contained in this publication.

All investments carry a level of risk and do not typically grow at an even rate of return and could experience negative growth.

Any past performance results should not be seen as a guide to future returns. Any scenarios presented are an estimate of future performance based on evidence from the past on how the value of an investment varies and are not an exact indicator.

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Russell Investments' ownership is composed of a majority stake held by funds managed by TA Associates Management, L.P., with a significant minority stake held by funds managed by Reverence Capital Partners, L.P. Certain of Russell Investments' employees and Hamilton Lane Advisors, LLC also hold minority, non-controlling, ownership stakes.

Frank Russell Company is the owner of the Russell trademarks contained in this material and all trademark rights related to the Russell trademarks, which the members of the Russell Investments group of companies are permitted to use under license from Frank Russell Company. The members of the Russell Investments group of companies are not affiliated in any manner with Frank Russell Company or any entity operating under the "FTSE RUSSELL" brand.

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