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Past performance is not a guide to future performance. The value of units and the income from them can fall as well as rise and you may not get back the amount originally invested. Where a Fund holds a concentrated portfolio, this could mean performance against its benchmark index is volatile at times. Funds holding smaller companies may be less liquid and price swings greater than those in larger companies. Investment involving foreign currency may be subject to fluctuations in value due to exchange rate movements which may cause the underlying value to go down as well as up.