Risk Disclosure

Where2invest Limited ("the Company") hereby provides this risk disclosure statement to inform clients about the inherent risks associated with mutual fund investments distributed through our services. Mutual fund investments are subject to market risks, and the value of investments can fluctuate based on various market conditions, economic factors, and fund performance. Past performance of any mutual fund scheme does not guarantee future results, and investors may experience losses including the potential loss of principal amount invested.

Market volatility can significantly impact mutual fund returns, as these funds invest in securities that are subject to price fluctuations due to factors including but not limited to economic conditions, interest rate changes, inflation, political events, regulatory changes, and company-specific developments. Different types of mutual funds carry varying degrees of risk - equity funds are generally more volatile than debt funds, while hybrid funds carry moderate risk levels. Sectoral and thematic funds may experience higher volatility due to concentrated exposure to specific sectors or themes.

Investors should be aware that mutual funds may face liquidity risks, particularly during adverse market conditions, which could affect the fund's ability to meet redemption requests promptly. Credit risk exists in debt-oriented funds where the underlying securities may default or face downgrades, potentially affecting the fund's Net Asset Value (NAV). Interest rate risk particularly affects debt funds, as rising interest rates can lead to capital depreciation in the fund's bond holdings.

The Company acts solely as a distributor of mutual fund products and does not guarantee the performance of any mutual fund scheme. Investment decisions should be made based on individual financial goals, risk tolerance, and investment horizon after careful consideration of the scheme's offer document, statement of additional information, and other relevant fund literature. Investors are strongly advised to consult with qualified financial advisors and conduct their own due diligence before making investment decisions.

Regulatory changes, tax implications, and fund management decisions can also impact mutual fund performance and returns. The Company shall not be held liable for any losses or damages arising from mutual fund investments, and clients acknowledge that they are investing based on their own judgment and risk assessment. This risk disclosure should be read in conjunction with the specific scheme documents and key information memorandums of the respective mutual funds before making any investment decisions.

By engaging with Where2invest Limited's mutual fund distribution services, clients acknowledge that they have read, understood, and accepted the risks associated with mutual fund investments as outlined in this disclosure statement.