Legal Disclaimer

The boring legal parts. Important Note: Risk Disclosure

You are advised to read the Product Summary, Technical Guides, Benefit Illustrations, Summary of Charges, Product Highlight Sheets, prospectuses, fact sheets and any other collateral associated with any of the products or services listed herein.

Buying a life insurance policy or an investment account is generally is a long term commitment. You should seek the advice of a Financial Adviser to assess if the products or services illustrated herein are suitable for you. In the event that you choose not to seek advice, you should consider if the products or services are suitable for you, giving due consideration to your financial circumstances, objectives, needs and, where applicable, risk profile.

Privacy policy & data protection

When we receive personal information through this website (e.g. you may submit personal information if you want to enquire about the products, services and advice that we may offer). In all situations where you provide personal information, we will only use it to deliver the information you have requested. 

This site does not automatically capture personal information, other than logging the user’s IP address and session information such as the duration of the visit and the type of browser used. This is only used for system administration and to provide site statistics.

For personal data transmitted through this website, while we take reasonable steps to ensure the security, by accepting terms and conditions you accept that the Internet is not a totally secure medium of communication of information and that such transmission will be at your own risk.

Data held by this site relating to you will be kept confidential and will only be used in accordance with product and service conditions and the Personal Data Protection Act of Singapore.


This site may use cookies or other information software to retrieve information about a visitor to the site. this site does not however collect information sufficient to identify any individual nor will it use cookies or other information software to process personal data as defined by data protection laws. Retrieved information will be limited to such information as is sufficient to identify the number of individual visitors to the site.

The rights of the information in the content of this web site belong to this site. No person is allowed to copy, replicate or distribute the complete set or part of the information without direct consent or authorisation from Andrew Talbot

Other Important information

This website has been created by Andrew Talbot and is only provided as a reference to site users.

All information herein should NOT be construed as investment advice or as comment on the suitability of any investment or investment service that the user is seeking.

The information published on this site does not constitute an offer by any this site to enter into any contract/agreement nor a solicitation to buy or sell any investment or to provide any services referred to therein.

The contents of this site are based upon sources of information believed to be true and reliable at the time, however, save to the extent required by applicable law or regulations, no guarantee, warranty or representation (express or implied) is given as to its accuracy or completeness.

If you have accessed this site using a link from another site, Andrew does not accept any liability or responsibility for the accuracy of information contained within the sites of other providers who have links to any pages of this site.

The value of investments and any income generated may go down as well as up and is not guaranteed. Past performance is not a guide to future performance.

Quoted yields are not guaranteed.

Different funds have different levels of risk.

Changes in rates of exchange may have an adverse effect on the value, price or income of investments.

Investors should be aware of the additional risks associated with investments in emerging or developing markets. Certain specialized funds may conduct transactions in derivative instruments extensively to meet the investment objectives and this may therefore lead to higher volatility to the net asset value and a greater degree of risk than is the case with conventional securities.

Investors should be aware that investments in higher yielding bonds issued by borrowers with lower credit ratings may result in a greater risk of default and have a negative impact on income and capital value.

Income payments may constitute a return of capital in whole or in part.

Income may be achieved by foregoing future capital growth.

Investment involves risks.