This website is issued by Renaissance Wealth Management (Pty) Ltd (Registration Number: 2000/003535/07) (“RWM”). This website is issued for information purposes only and is not to be construed as a solicitation of invitation or offer to purchase or sell investments or related financial instruments mentioned in this website or otherwise. This website has no regard to the particular investment objectives, financial situation or particular needs of any person and the statements made herein are not intended to be recommendations in relation to any particular person or group of persons. The information contained herein is based upon materials and sources that RWM believes to be reliable, however, RWM makes no representations and gives no warranties of whatever nature in respect of this website including but not limited to the completeness, accuracy or reliability of any information, facts and/or opinions contained in this website.

All opinions and estimates included in this website constitute the current judgement of the author as at the date of this website. They do not necessarily reflect the opinions of RWM and are subject to change without notice. RWM is under no obligation to update the information contained herein. None of RWM, its associates, directors, employees, agents or contractors shall have any liability whatsoever for any loss or damage of whatever nature and howsoever arising, including loss of earnings, loss of profits, and indirect or consequential loss or damage suffered or incurred, directly or indirectly, by the recipient or any other person as a result of the use of, or reliance on, this website.

RWM and/or any connected person may from time to time have positions in, make a market in and/or effect transactions in any investment or related investment mentioned herein and may provide financial services or securities services to the issuers of such investments. RWM and/or such connected persons may have a conflict of interest which could affect the objectivity of this website and any content thereon.

This website is provided solely for the recipient’s information purposes and all rights in and to this website including copyright and other intellectual property rights are proprietary to RWM, alternatively are proprietary to a third party and RWM is the authorised user thereof and are protected by both South African and international intellectual property laws. Accordingly, this website may not be reproduced or distributed in any form and/or disseminated without the prior written consent of RWM.

The recipient should not place undue reliance on the information contained in this website and should in all cases make their own independent investment decisions based upon their own financial needs and resources and, if in doubt, should seek advice from a licensed financial services provider or other duly authorised investment adviser or professional adviser. Past performance is not necessarily a guide to future performance. The investments or strategies mentioned on this website may not be suitable for all investors and investments in general involve some degree of risk. Where investments are made in currencies other than the investors’ base currency, movements in exchange rates may adversely affect the price or value of, or the income derived from the investment and the investor assumes such currency risk.

RWM is an FSCA approved financial services provider, FSP 878



None of the information or opinions expressed on this website constitute an offer to sell or the solicitation of an offer to sell investment products. The material on this website is for information purposes only. The opinions expressed in this article do not constitute investment, tax or other advice and you should consult your professional advisor before you make any decision.

The value of currencies, securities or investments and the price of shares which are mentioned in this website may fall as well as rise. Investors may not receive the original amount invested in return. Investors should also be aware that past performance is not necessarily a guide to future performance. All expressions of opinions are subject to change without notice.

Renaissance Wealth Management (Pty) Ltd is registered with the Financial Services Board as a financial services provider (FSP Licence No. 878).

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