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The information and opinions expressed in this publication were produced by Hywin Wealth LLP (“Hywin”) as of the date of writing and are subject to change without notice. This publication is intended for information purposes only and does not constitute an offer, a recommendation, or an invitation by, or on behalf of, Hywin to make any investments. Opinions and comments of the authors reflect their current views, but not necessarily of other Hywin entities or any other third party. This publication has been prepared without taking account of the objectives, financial situation or needs of any investor. Before entering any transaction, an investor should consider the suitability of the transaction against their individual circumstances and objectives. Any investment or trading or other decision should only be made after a review of the relevant product term sheet, subscription agreement, information memorandum, prospectus or other offering document relating to the issue of the securities or other financial instruments. Nothing in this publication constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate for an investor’s circumstances, or otherwise constitutes a personal recommendation for any specific investor. Hywin recommends that you independently assess, with a professional advisor, the specific financial risks as well as legal, regulatory, credit, tax and accounting consequences. Past performance is not a reliable indicator of future results. Performance forecasts are not a reliable indicator of future performance. An investor may not get back the amount invested or may be required to pay more. Although the information and data herein are obtained from sources believed to be reliable, no representation is made that the information is accurate or complete. Hywin do not accept liability for any loss arising from the use of this publication. This publication cannot be reproduced or used for any other purpose and can only be distributed in countries where its distribution is legally permitted. This publication may relate to investments or services of an entity/person outside the UK, or to other matters which are not regulated by the FCA, or in respect of which the protections of the FCA for retail clients and/or the UK Financial Services Compensation Scheme may not be available. Further details as to where this may be the case are available on request in respect to this document, please contact your Hywin Relationship Manager.

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