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The information contained in this website does not constitute investment advice and none of them have taken into account of the personal conditions or circumstances of any specific person and they shall not be construed as any recommendation or solicitation to invest in any particular products.

 

An investment in our products may not be suitable for everyone. The risk level of your financial plan may not be suitable for you. If you are in any doubt about the contents of this Risk Disclosure Statement, you should consult your professional advisor for another independent advice.

 

Contribution Holiday Risk – All relevant fees and charges will continue to be deducted from your trust account value during the contribution holiday (a suspension, paying-up or reduction of the Contributions) and under such circumstances, the value of your trust account may be significantly reduced and your entitlement to the bonuses may also be affected. It may further lead to termination of your trust account if the trust account value is insufficient to cover the applicable trust account fees and charges.

 

Counterparty Risk – Any persons or institutions with which you have entered a financial contract, who is a counterparty to the contract, might default on their obligations and fail to fulfill their obligations under the contract.

 

Credit Risk – Any financial corporation may default on its payments in the future. The longer the term to repayment, the greater the risk.

 

Early Termination, Surrender and/or Withdrawals Risk – Early termination or surrender, or reduction in regular payment occurred within a prescribed period before the end of the contribution payment period will incur early surrender or withdrawal charge and/or possible loss of entitlement to bonuses.

 

Foreign Exchange Risk – The profit or loss in transactions in foreign currency-denominated products will be affected by fluctuations in currency rates where there is a need to convert from the currency denomination of the product to another currency.

 

Fund Manager Risk – Performance of fund manager of a fund chosen by you may not achieve what you have originally expected.

 

Interest Rate Risk – Should the monies paid into the plan be funded by financing, leverage, or gearing, or should the plan be used as collateral, when the rate of returns of the plan net of all charges is lower than the interest rate payable for the financing, leverage, gearing or the collateral arrangement. There is a risk of financial loss not limited to the capital put in the plan.

 

Liquidity Risk – A particular investment may not be traded or howsoever converted into cash in a short time.

 

Market Risk – The prices of funds fluctuate, sometimes dramatically. The price of a fund may move up or down, and may become valueless. It is likely that losses will be incurred rather than profit made as a result of buying and selling funds. Past performance is no guarantee of future results.

 

Political/Regulatory Risk – Your investment may suffer losses when there are changes in political or regulatory stability, structure or policies of a related country.

 

Reinvestment Risk – Proceeds or interests earned from an investment may have to be reinvested at a lower potential rate, particularly so during the period of falling interest rates.

 

Risk of Failure to Diversify – Over concentration in a single investment can lead to increased volatility (fluctuation) in your portfolio. Failing to diversify may also increase the amount of risk that the particular portfolio is exposed to in contrast to a properly allocated portfolio. It is crucial that you properly diversify the investments so as to minimize the overall risk of the portfolio.

 

Transactions in Other Jurisdictions – Transactions on markets in jurisdictions other than your home countries may expose you to additional risk that such markets may be subject to regulation which may offer different or diminished investor protection.

 

Warning Statement: You should not invest in the Trust unless you can afford and you intend to pay the Contributions continuously for the full term of your chosen Contribution Payment Period. Should you terminate the Trust early or cease paying Contributions early, you may suffer a significant loss.

 

Unless otherwise agreed by ALPHA in writing, you alone are solely responsible for your investment decisions based on your investment objectives as well as personal and financial situations.

© 2018 by Alpha Trust (Cook Islands) Limited. All rights reserved.