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All forms of investment involve risk. None of AMP, the trustee of the relevant product, any AMP adviser business, the underlying fund managers, any of their related companies, their directors, or any other person guarantees the investment products mentioned on www.amp.co.nz, any investment in the products, or any returns on any investment in the products, gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way from any error or omission. Past performance is not indicative of future performance and is not guaranteed by any party. For further information about any of the products mentioned on www.amp.co.nz (including fees), you should refer to the investment statement for the relevant investment product (except for those products which are closed to new investors, where you should refer to the Product Sheet).