Disclaimer: Fisher Funds Management Limited ("Fisher Funds") is the issuer of the financial products referred to on this website. A replacement PDS for each of the financial products is available here and also on the relevant scheme's offer register entry at companiesoffice.govt.nz/disclose. The information, calculations and any opinions on this website are based upon sources believed reliable, but Fisher Funds, its officers and directors make no representations as to their accuracy or completeness. All opinions reflect our judgment on the date of communication and are subject to change without notice. Professional investment advice should be taken before making an investment. Past performance is not a reliable guide to future performance. A disclosure statement is available from your financial adviser, on request and free of charge.
Fund performance figures do not include entry fees, exit fees or brokerage fees or tax, but do include any tax credits applicable to the funds since October 2007. Please note that past performance is not necessarily indicative of future returns. Returns can be positive or negative, and returns over different time periods may vary. No returns are promised or guaranteed.
*SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.
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© 2023 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or 'regulated financial advice' under New Zealand law has been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. For more information refer to our Financial Services Guide (AU) or Financial Advice Provider Disclosure Statement (NZ) at www.morningstar.com.au/s/fsg.pdf and cdn.morningstar.com.au/mca/s/fapds.pdf. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product's future performance. To obtain advice tailored to your situation, contact a professional financial adviser.
As an experienced financial analyst and investment enthusiast with a proven track record in the industry, I've delved deeply into the intricacies of fund management, market analysis, and investment strategies. Over the years, I've honed my expertise by closely monitoring market trends, studying financial products, and analyzing the performance of various investment funds.
Now, let's break down the key concepts and information embedded in the disclaimer provided by Fisher Funds Management Limited:
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Issuer and Financial Products:
- Fisher Funds Management Limited is identified as the issuer of the financial products mentioned on the website. This establishes their role in providing and managing investment products.
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Replacement PDS:
- A Replacement Product Disclosure Statement (PDS) is available for each financial product. This indicates a commitment to transparency and compliance with regulatory requirements. Interested parties can access these documents on the website or the relevant scheme's offer register entry.
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Reliability of Information:
See AlsoAnnuities- The disclaimer mentions that the information, calculations, and opinions on the website are based on sources believed to be reliable. However, Fisher Funds, its officers, and directors do not make representations regarding the accuracy or completeness of the information. This underscores the importance of due diligence and cautious interpretation of the provided data.
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Opinions and Judgment:
- All opinions expressed on the website reflect the judgment of Fisher Funds on the date of communication. It's emphasized that these opinions are subject to change without notice. This communicates the dynamic nature of financial markets and the need for investors to stay informed.
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Professional Investment Advice:
- The disclaimer strongly advises seeking professional investment advice before making any investment decisions. This aligns with best practices in the financial industry, highlighting the complexity of investment choices and the potential impact on an individual's financial situation.
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Past Performance Disclaimer:
- There is a clear disclaimer stating that past performance is not a reliable guide to future performance. This cautionary note is crucial for investors, reminding them that historical returns may not be indicative of future outcomes.
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Inclusion of Fees and Tax Credits:
- Fund performance figures are presented without entry fees, exit fees, or brokerage fees but do include any tax credits applicable to the funds since October 2007. This transparency aids investors in understanding the true performance of the funds.
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SuperRatings and Morningstar Disclosures:
- The disclaimer mentions SuperRatings and Morningstar as entities providing ratings and data. It explicitly states that they do not guarantee the accuracy, completeness, or timeliness of the data and disclaim any liability for its use or distribution. This underscores the need for investors to critically evaluate the information provided by third-party sources.
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Regulated Financial Advice:
- The disclaimer clarifies that any general advice or 'regulated financial advice' under New Zealand law from Morningstar has been prepared without reference to the individual's objectives, financial situation, or needs. It directs readers to relevant documents for detailed information.
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Viewing Publications, Ratings, and Products:
- Fisher Funds encourages readers to view their publications, ratings, and products as additional investment resources, not as the sole source of information. This encourages a comprehensive approach to decision-making, considering multiple sources of information.
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Consideration of Individual Circ*mstances:
- Investors are advised to consider the advice in light of their specific objectives, financial situation, and needs. This emphasizes the importance of personalized financial planning and decision-making.
In conclusion, this comprehensive disclaimer reflects a commitment to transparency, responsible investment practices, and a realistic portrayal of the uncertainties inherent in the financial markets. It serves as a valuable guide for potential investors, urging them to exercise caution, seek professional advice, and consider their unique circ*mstances before making any investment decisions.
