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Please note that the ownership of this website belongs to Serena and Gen, Associates, IAM, a group of agency units representing AXA Insurance Pte Ltd, and are solely responsible for the entire content of this website. The website is for informational purposes only and is not endorsed by AXA Insurance Pte Ltd nor does it constitute any official communication of AXA Insurance Pte Ltd. This website is for information only and does not constitute investment advice or a recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. Any views expressed are the views of the author and do not constitute investment advice. The underlying assumptions and these views are subject to change. There is no assurance that any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets will be realised. We accept no liability whatsoever for any direct or indirect consequential loss arising from the use of any information, opinion or estimate herein. Past performance is not necessarily indicative nor a guarantee of future performance of the Fund. This shall not be construed as the making of any offer or invitation to anyone in any jurisdiction in which such offer is not authorised or in which the person making such offer is not qualified to do so or to anyone to whom it is unlawful to make such an offer. Investors may wish to seek advice from a financial adviser before making a commitment to invest. In the event an investor chooses not to seek advice from a financial adviser, he/she should consider whether the Fund is suitable for him/her.