Category "1" does not mean that the investment is risk-free. This data is indicative of the funds' risk but may, however, not be a reliable indication of their future risk profile. Furthermore, there is no guarantee that the categories thus indicated will remain unchanged and they may vary over time. The investment's value depends on the market value of the investment fund's assets and may lead to significant losses. Accepting a higher level of risk is necessary to have the chance of obtaining greater returns. Past performance is not indicative of future results.