This publication has been compiled by OYA Financial Services Pty Ltd (AFSL/ACL Number 421290). Material contained in this publication is an overview or summary only and it should not be considered a comprehensive statement or any matter nor relied upon as such.

The information and any advice in this publication do not take into account your personal objectives, financial situation or needs. Therefore you should consider its appropriateness having regard to these factors before acting on it.

While the information contained in this publication is based on information obtained from sources believed to be reliable, it has not been independently verified. To the maximum extent permitted by law:

  1. no guarantee, representation or warranty is given that any information or advice in this publication is complete, accurate, up-to-date or fit for any purpose; and
  2. OYA Fin. Services nor its employees are in any way liable to you (including for negligence) in respect of any reliance upon such information or advice.

Past performance is not a reliable indicator of future performance. While every effort has been taken to ensure that the assumptions on which the outlooks given in this publication are based on reasonable data, the outlooks may be based on incorrect assumptions or may not take into account known or unknown risk and uncertainties.

OYA Financial Services Pty Ltd ABN 31 156 147 223 AFSL/ACL Number 421290

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