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Investments in international markets present special risks, including currency fluctuation, the potential for diplomatic and political instability, regulatory and liquidity risks, foreign taxation, and differences in auditing and other financial standards. Risks of foreign investing are generally intensified for investments in emerging markets. There is no guarantee that this, or any, investing strategy will achieve its objectives. While care has been taken in the preparation of this document, no liability is accepted by Commonwealth Financial Planning, its related entities, agents and employees for any loss arising from reliance on this document. Investment Funds - Commonwealth Australian Share Fund is a unit trust incorporated in Australia. The Fund aims to provide medium to long-term capital growth and some income that may provide tax benefits. The Fund invests in shares listed on the ASX. Investments will be biased towards larger listed industrial companies. Investment Funds - Commonwealth Balanced Fund is a unit trust incorporated in Australia. The Fund aims to provide a balance of capital growth and income over the medium to long-term through a diversified selection of investments. Investment Funds - Commonwealth Share Income Fund is a unit trust incorporated in Australia. The Fund aims to provide a tax-effective investment from exposure to Australian shares. The aim is to provide regular income with some tax benefits and medium to long-term capital growth. The Fund invests predominantly in shares of larger Australian companies. Mutual Funds can be a powerful tool for the individual investor. A Mutual Fund brings together money from many people and invests it in a collection of stocks, bonds, or other assets. First Commonwealth Advisors, we offer access to over 150 Mutual Fund families to assist our clients in achieving their financial goals. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate.