IMPORTANT: This information is general financial product advice only and you should consider the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), Target Market Determination (TMD) or seek professional advice before making any investment decision. The PDS for financial products offered through InvestSMART can be downloaded from or obtained by contacting 1300 880 160. If you use Fundlater, then the Fundlater T&Cs forms a contract between you and InvestSMART Financial Services Pty Ltd.

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