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This website is intended to provide information and general advice only and has been prepared by Access FP Pty Ltd ABN 85 162 298 286 (AFSL number 523 195) without taking into account any particular person’s objectives, financial situation or needs. Investors should, before acting on this information and general advice, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision. Past performance is often not a reliable indicator of future performance. You should not rely solely on past performance to make investment decisions. You should obtain a copy of and consider the Product Disclosure Statement for products mentioned before making any investment decisions.