Trustnet Direct Retirement Programme | Page 4

Risk warning This guide has been commissioned by Trustnet Direct in order to assist retail investors be better informed about the choices available when planning their retirement. It has been written by well-known independent financial journalists and staff employed directly by Trustnet Direct. In no way does any of the content within this guide constitute personal financial advice. Trustnet Direct is an execution-only service and does not provide advice on the suitability of investments. You should seek independent financial advice if you are unsure. Past performance is no guarantee of future performance. The value of investments and the income from them fluctuates: you may get back less than the amount you invested. Prevailing tax rates and relief are dependent on your individual circumstances and are subject to change. The information in this guide was believed to be accurate and correct at the time of production in September 2015. Page 4