This document has been prepared by Cappella Management Pty Ltd (Cappella) ABN 94 136 696 225 CAR 000338351 of Tech Equity Pty Ltd  (Tech Equity) ABN 76 126 530 185 AFSL 319516 for provision to Australian financial services (AFS) licensees and their representatives, and for other persons who are wholesale clients under section 761G of the Corporations Act.

To the extent that this document may contain financial product advice, it is general advice only as it does not take into account the objectives, financial situation or needs of any particular person. Further, any such general advice does not relate to any particular financial product and is not intended to influence any person in making a decision in relation to a particular financial product. No remuneration (including a commission) or other benefit is received by Cappella or its associates in relation to any advice in this document apart from that which it would receive without giving such advice. No recommendation, opinion, offer, solicitation or advertisement to buy or sell any financial products or acquire any services of the type referred to or to adopt any particular investment strategy is made in this document to any person.

The information in relation to the types of financial products or services referred to in this document reflects the opinions of Cappella at the time the information is prepared. If AFS licensees or their representatives give any advice to their clients based on the information in this document they must take full responsibility for that advice having satisfied themselves as to the accuracy of the information and opinions expressed and must not expressly or impliedly attribute the advice or any part of it to Cappella. Further, any person making an investment decision taking into account the information in this document must satisfy themselves as to the accuracy of the information and opinions expressed. Many of the types of products and services described or referred to in this document involve significant risks and may not be suitable for all investors. No advice in relation to products or services of the type referred to should be given or any decision made or transaction entered into based on the information in this document. Any disclosure document for particular financial products should be obtained from the provider of those products and read and all relevant risks must be fully understood and an independent determination made, after obtaining any required professional advice, that such financial products, services or transactions are appropriate having regard to the investor’s objectives, financial situation or needs.

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The official Cappella website and all pages linked to it or from it are provided on an “as is” on “as available” basis. Cappella makes no warranties, expressed or implied, including, without limitation, those of merchantability and fitness for a particular purpose, with respect to any information or use of information contained in the website, or linked from it or to it.

Risk Warning

All investment involves risks. Any discussion of risks contained in this document with respect to any type of product or service should not be considered to be a disclosure of all risks or a complete discussion of the risks involved.

Accuracy of Information

Any source material included in this document has been sourced from providers that Cappella believe to be reliable from information available publicly or with consent of the provider of the source material. To the fullest extent permitted by law, no representation or warranty, express or implied is made by any company in the Cappella as to the accuracy or completeness of the source material or any other information in this document. Logos or names of companies that Cappella has partnered with have been reproduced with the consent of those companies but must not be taken to be a recommendation by those companies with respect to Cappella’s services.

Past Performance No Guarantee

Past performance information provided in this document is not indicative of future results and the illustrations are not intended to project or predict future investment returns.

Any index performance information is for illustrative purposes only, does not represent the performance of any actual investment or portfolio. It is not possible to invest directly in an index.