Risk of Loss - Extended Version

Investing involves risk of loss including loss of principal. Past investment performance is not a guarantee or predictor of future investment performance. Investing in individual securities carries its own idiosyncratic risk, which means volatility and returns may differ significantly from market indices. Some investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.