This document has been issued jointly by HUB24 Custodial Services Ltd (ABN 94 073 633 664, AFSL 239 122 (HUB24) and XY Adviser Pty Ltd (ACN 45 606 168 781) (XY Adviser) and is current at the date of issue. HUB24 is the operator of HUB24 Invest (an investor directed portfolio service), promoter and service provider of HUB24 Super which is a regulated superannuation fund. The trustee and issuer of interests in HUB24 Super is HTFS Nominees Pty Limited (ABN 78 000 880 553, AFSL 232500, RSE L0003216).

XY Adviser operates a professional network for financial advisers.

The information in this document is intended to be general information only and not financial product advice. The views expressed in this document by persons who are not representatives of either HUB24 or XY Adviser are their own, and do not necessarily represent HUB24 of XY Adviser’s views. Neither HUB24 nor XY Adviser:

• Have validated or verified the views expressed in this paper.
• Makes any representation as to the completeness or reliability of the material in this paper.
• Accepts any liability for loss attributable to use of this paper, including liability for any statements which are incorrect or misleading.

Readers should not rely on the information in this paper and should undertake their own investigations and use their own commercial judgment. This document must not be copied or reproduced without the prior written consent of HUB24. © HUB24