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This publication is intended to be of general interest only and should not be construed as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy. It was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it and does not constitute legal or tax advice. 

All investments decisions and investment strategies involve risks, including possible loss of principal, and may not achieve the desired results. Prior results do not guarantee a similar future outcome. 

Any views expressed are the views of the fund manager and do not constitute investment advice and the comments, opinions and analyses are rendered as at publication date and may change without notice. The information provided in this publication is not intended as a complete analysis of every material fact regarding any country, region or market.

Performance may also be affected by currency fluctuations. Reduced liquidity may have a negative impact on the price of the assets. Currency fluctuations may affect the value of overseas investments. 

Any research and analysis contained in this publication has been procured by Franklin Templeton for its own purposes and may be acted upon in that connection and, as such, is provided to you incidentally. Data from third party sources may have been used in the preparation of this material and Franklin Templeton has not independently verified, validated, or audited such data. 

Franklin Templeton accepts no liability whatsoever for any direct or indirect consequential loss arising from the use of any information, opinion or estimate herein and reliance upon the comments opinions and analyses in the material is at the sole discretion of the user.  Among others, the investors should consider the fees and charges involved. The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested. Past performance is not an indicator nor a guarantee of future performance. Any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets is not necessarily indicative of the future or likely performance. This publication has not been reviewed by the Securities Commission Malaysia.