Use of Borrowed Funds Investing in financial markets involves inherent risks, and the use of borrowed funds (such as bank loans) to finance investments can amplify these risks. Before deciding to invest, please carefully consider the following factors:

‍Leverage Risk:
Utilising borrowed funds to invest in the fund can magnify both potential gains and losses. While leverage can enhance returns in favorable market conditions, it also exposes investors to increased volatility and the possibility of significant losses.

‍Interest Rate Risk:
Borrowed funds typically come with interest obligations, which can fluctuate over time based on market conditions and changes in central bank policies. Rising interest rates can increase the cost of borrowing and potentially erode investment returns.

‍Market Risk:
All investments carry a degree of market risk, including the potential for loss of principal. Market fluctuations, economic downturns, and unforeseen events can impact the performance of the fund and the value of investments made with borrowed funds.

‍Margin Calls :
If the value of investments purchased with borrowed funds declines significantly, investors may be required to provide additional collateral or repay part or all of the loan, potentially at short notice. Failure to meet margin calls can result in forced liquidation of assets at unfavorable prices.

Financial Consequences:
Investing with borrowed funds can have serious financial implications, including the risk of indebtedness, loss of collateral, and adverse effects on creditworthiness. Investors should carefully assess their financial situation and ability to service debt obligations before considering leveraged investments. By choosing to invest using borrowed funds, you acknowledge and accept the aforementioned risks and agree to undertake full responsibility for any consequences that may arise. We strongly advise consulting with a qualified financial advisor to assess your individual circumstances and investment objectives before making any investment decisions.