
Therefore, investments discussed herein may not be suitable for all investors investors must exercise their own independent judgment as to the suitability of such investments in the light of their own investment objectives, experience, taxation status and financial position.

This publication is intended to provide information to assist investors in making their own investment decisions, not to provide investment advice to any specific investor. Neither Morningstar nor any of its agents shall have any liability with respect to such opinions, recommendations, or information.

Any opinions, recommendations, or information contained herein: (i) is for educational purposes only (ii) is not guaranteed to be accurate, complete, or timely (iii) has not been tailored to suit any particular person’s portfolio or holdings and (iv) should not be construed as investment advice of any kind.
