DISCLAIMER

JAR Wealth Management Pte. Ltd. is regulated by the Monetary Authority of Singapore and holds a Capital Markets Services Licence for fund management. This material is provided for general informational purposes only and does not constitute investment advice, financial advice, a research report, an offer, a solicitation, or a recommendation to buy, sell, subscribe for or otherwise deal in any investment product, security, currency, commodity, derivative, fund or investment strategy.

The views expressed are general market views as at the date of publication and may change without notice. They do not take into account the specific investment objectives, financial situation, investment experience, risk tolerance, tax position or particular needs of any person. Any references to asset classes, sectors, markets, instruments or strategies are illustrative only and should not be relied upon as the basis for any investment decision.

Investors should make their own independent assessment and seek advice from an appropriately qualified professional adviser before making any investment decision. Past performance is not indicative of future results. Forecasts, projections and forward-looking statements are based on assumptions and are subject to market, economic and other risks and uncertainties. No representation or warranty is made as to the accuracy, completeness or reliability of the information, and JAR Wealth Management Pte. Ltd. accepts no liability for any loss arising from any use of or reliance on this material, except where such liability cannot be excluded under applicable law.

This has not been reviewed by the Monetary Authority of Singapore.