ACN 168 216 742 ABN 48 168 216 742 AFSL 498434
Important information about the nature and risks of investment products offered by Capital Guard.
This document provides you with information about the nature and risk of certain investment types. It does not explain all the risks or how the risks relate to your personal circumstances. If you have any doubt about whether or not our products are appropriate for you, you should seek professional advice before trading.
We provide the opportunity for investment and dealing in the following products:
Even though our offerings are suitable for both retail and wholesale clients, investing in any of the above risks your capital and you may not get back as much as you originally invested.
Terms not defined in this Risk Disclosure have the meaning given in our Invest Terms (as applicable).
Shares represent part ownership in a company and participate in its performance. Values may rise or fall and can go to zero in insolvency. You may not recover the full amount invested.
Dividends are determined by the company’s board and may be reduced or suspended, including during economic stress.
Costs and charges reduce profits or increase losses. Understand all commissions and charges before trading.
Sudden price shifts (often across market closes) can cause unexpected losses.
Limited or illiquid markets may make it difficult to sell at a reasonable price or at all.
Past performance is not an indicator of future results.
Stabilisation may artificially support prices during a new issue period.
Liquidity varies by company size, sector, venue and conditions; can change rapidly.
Information may be less available; time zones and currency fluctuations apply.
Share prices can fluctuate widely and remain depressed for extended periods.
Lower-priced shares often have wider spreads and higher loss risk.
Settlement typically matches securities and cash simultaneously.
Sudden market moves can affect prices up or down.
Prices may fluctuate rapidly due to company, economic, supply/demand and political factors.
Different currency denomination to your account can increase or reduce P&L.
Law or policy changes may affect value, returns and taxes.
Technology or network failures may disrupt access or services.
Client funds are held in segregated accounts per ASIC rules, but bank risk is not eliminated.
A debt security signifies a claim against the issuer. Characteristics depend on issuer, collateral, maturity and interest method.
Subject to markets, macro conditions and regulation; principal may not be recovered.
Prices move inversely to rates; longer maturities are more sensitive.
Inflation and downturns can reduce real returns and increase default risk.
Some bonds may be hard to sell at fair value; illiquid markets can force discounts.
Issuer may miss interest or principal; lower ratings generally mean higher risk and yield.
Key consideration: higher yield often compensates for higher credit risk.
Foreign currency bonds expose returns to FX movements.
Fixed coupons lose purchasing power as inflation rises; inflation-linked bonds may mitigate.
Callable bonds may be repaid early in falling-rate environments, creating reinvestment risk.
Coupons/principal received may need reinvestment at lower rates.
Governments (especially in emerging markets) may default due to political or economic stress.
Law or tax changes can affect yields and valuations.
All investments carry risk. Values and returns vary, and future returns may differ from past returns. Returns are not guaranteed and you may lose some or all of your investment. Appropriate risk levels depend on personal factors (age, horizon, other assets, tolerance).
Derivative Risk: derivatives may magnify gains/losses and create counterparty risk, especially in uncleared OTC markets.
Exclusionary Screens Risk: screening can affect performance versus unscreened peers.
Index-Related Risk: tracking indices involves data/constituent errors, rebalancing costs and market exposure around adjustments.
Fixed Income Security Risk: variability in returns and potential loss of income or capital due to:
Assess risks against your goals, tolerance and horizon before investing. Diversify, seek professional advice, and understand the product features and issuer creditworthiness. This Risk Disclosure is informational and not financial advice.
If you have an enquiry or complaint, contact our Complaints Officer. We acknowledge and investigate complaints and provide a final response within 30 calendar days.
Capital Guard is a member of the Australian Financial Complaints Authority (AFCA). If your complaint is not resolved within 30 days or you are dissatisfied with the outcome, you may refer it to AFCA (free to consumers).