The information contained in this guide is based on the understanding Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) and Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468 (CFSIL) have of the current regulatory requirements and laws as at 1 July 2024. While all care has been taken in the preparation of this guide (using sources believed to be reliable and accurate), no person, including AIL, CFSIL or other CFS entities, accept responsibility for any loss suffered by any person arising from reliance on this information. The information is for adviser use only and is not to be handed on to any investor. This information does not constitute advice (including taxation or superannuation) and does not take into account any person's individual objectives, financial situation or needs or tax circumstances. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before making any recommendations to a client. Clients should read the PDS and FSG before making an investment decision and consider talking to a financial adviser. The PDS and FSG can be obtained from www.cfs.com.au or by calling us on 13 18 36.

Adviser use only