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Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the scheme's objectives will be achieved and the NAV of the scheme may go up or down depending upon the factors and forces affecting the securities market. Any advice herein is made on a general basis and on information provided and does not take into account the specific investment objectives of the specific person or group of persons. Past performance and any forecast is not necessarily indicative of the future or like performance of the mutual funds. Opinions expressed herein are subject to change without notice.