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Past performance of an investment is not a guide to future performance. The value of investments or income from them may go down as well as up. You may not necessarily get back the amount you invested.

Neither Willis Owen Limited nor Embark Investment Services Limited (trading as Avalon) offer or provide advice as to the suitability of investments. If you are unsure whether an investment is suitable for you, or if you require any advice with regard to your investments you should obtain expert financial advice.