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Risks & Returns

A higher potential return sits next to a real trade-off — this page names it instead of hiding it.

Uncertainty doesn't disappear because a number looks precise

Market-linked products (equities, mutual funds) carry genuine price uncertainty that a fixed-rate deposit or government savings instrument doesn't. Comparisons keep that distinction visible rather than reducing every product to one comparable-looking rate.

Past performance is disclosed, not projected forward

Where a historical return is shown, it is labelled as historical. It is never used as an implicit promise about what happens next.