General Advice Warning
© Morningstar Research Pty Ltd 2005. All rights reserved. To the extent that any Morningstar data, ratings or commentary constitutes general advice, this advice has been prepared by Morningstar Research Pty Ltd ABN: 83 062 096 342, AFSL: 243 161 and does not take account of your objectives, financial situation or needs. Before acting on any advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. We recommend you obtain financial, legal and taxation advice before making any financial investment decision. All potential investors should obtain a Product Disclosure Statement relating to the product and consider the Statement before making any decision about whether to acquire the product. Please refer to Morningstar's Financial Services Guide (FSG) for more information.
Disclaimer
No representation is given, warranty made or responsibility taken as to the accuracy, timeliness or completeness of this information and Standard & Poor's Information Services (Australia) Pty Limited (ABN 17 096 167 556) (“SPIS”) will not be liable to the reader in contract or tort (including for negligence) or otherwise for any loss or damage arising as a result of the reader relying on any such information (except in so far as any statutory liability cannot be excluded). Fund Ratings are opinion only and not statements of fact or recommendations to purchase sell or hold any securities.
Warning
This information should not be construed as an investment recommendation by SPIS. The information has been prepared without regard to any particular person's financial or investment objectives, financial situation or needs and before acting on it you should obtain specific advice from your financial adviser. You should obtain and review a Product Disclosure Statement (“PDS”) for any products referred to, before making any decision about that product. Please note past performance may not be indicative of future performance. SPIS holds an Australian Financial Services Licence Number 258896 and is a wholly owned member of the McGraw Hill Companies, a New York Corporation. The analytic services and products provided by SPIS are the result of separate activities in order to preserve the independence and objectivity of each analytic process. © Standard & Poor's Information Services (Australia) Pty Limited.
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Fund Rating Process