Common use of Equity Funds Clause in Contracts

Equity Funds. Equity funds are subject to normal market fluctuations and other risks inherent in investing in equity securities. There can be no assurance that any appreciation in the value of investments will occur. The value of equities may fall as well as rise and as a class of investment, equities are typically more volatile than other common investment types such as bonds or cash. Equities as a class have historically outperformed other types of investments over the long term. Individual stocks prices, however, tend to go up and down more significantly over the short term. These prices movements may result from factors affecting individual companies or industries, or the securities market as a whole. The value of equities and equity-related securities can be affected by daily stock markets movements. Other influential factors include political, economic news, company earnings and significant corporate events If your holdings include “Small Cap” funds these will have additional risks. This is because they often invest assets in small and / or start-up companies. Such investments increase the risk of greater price fluctuations and loss.

Equity Funds. Equity funds are subject to normal market fluctuations and other risks inherent in investing in equity securities. There can be no assurance that any appreciation in the value of investments will occur. The value of equities may fall as well as rise and as a class of investment, equities are typically more volatile than other common investment types such as bonds or cash. Equities as a class have historically outperformed other types of investments over the long term. Individual stocks stock prices, however, tend to go up and down more significantly over the short term. These prices price movements may result from factors affecting individual companies or industries, or the securities market as a whole. The value of equities and equity-related securities can be affected by daily stock markets movements. Other influential factors include political, economic news, company earnings and significant corporate events If your holdings include “Small Cap” funds these will have additional risks. This is because they often invest assets in small and / or start-up companies. Such investments increase the risk of greater price fluctuations and loss.