Money Tree is only a distributor of third party investment/insurance products and not an advisor in offering investment/insurance advice and any information contained in this website or otherwise communicated by the Money Tree shall not be construed as investment or insurance advice. All decisions to purchase or sell units / securities / insurance policy shall be on the basis of the personal judgement of the customer arrived at after due consideration and after understanding the risk factors associated with their chosen investments carefully and consulting their own independent advisor prior to making any investment decisions. The Money Tree does not in any manner guarantee any returns on any investment or insurance products. All investments are subject to market risks and there is no assurance or a guarantee that the objectives of any investment schemes will be achieved. Information concerning past performance is not necessary a guide to future performance. This brochure should not form the basis of any investment decision by customers. The recommended asset allocation herein is as per your inputs in the risk profiling questionnaire. The recommendation may change from time to time without prior notice. The recommendation assumes that factors affecting your risk profile have not changed. In case of any change, we suggest that you should contact your relationship manager and re-assess your risk profile using the tools available with the Money Tree. The opinions, expectations and other information herein is based on certain assumptions and projections which may not be entirely accurate and accordingly the analysis may not accurately reflect the financial status, needs or risk ability of the customer. The Money Tree does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, quality, efficacy, reliability, reasonableness, viability for any particular purpose or completeness of any information herein and is not responsible for any errors or omissions in or for results obtained from the use of such information.