The websites and web services contain marketing material. The information on products and services, as well as other information presented on the websites or in the web service, is a general representation and should not be construed as an offer binding the companies of the Mandatum Group (“Mandatum”), or as a personal recommendation, or legal, accounting, investment or tax advice or any other invitation to make an investment or other insurance-related decision. Information on insurance, investment objects and other investment-related matters is supplied for information purposes only and must not be construed as a recommendation to subscribe for, hold or exchange certain investments, or to carry out any other actions affecting the performance of the investment or insurance. Reference to an individual company or security is not a recommendation to buy or sell that company or security.
The customer must carefully familiarise themself with the statutory and other possible material, terms and conditions and brochures pertaining to the products and services, and, if necessary, acquire additional information and expert advice prior to making an individual investment or insurance decision.
Mandatum does not guarantee the reliability or accuracy of the websites or uninterrupted or error-free access to the websites. Mandatum is not liable for any direct or indirect loss or damage resulting from the information presented on the websites or in the web services, or for any damage that may arise from the interruption of the use of the websites or the web services. The websites may contain links to pages owned or maintained by third parties. Mandatum is not liable for the websites of third parties or for any material contained on third-party websites.
The customer independently decides on the selection of investment objects according to their investment objectives and bears the risk of any depreciation or loss in the value of their investments. The past performance of investments is no guarantee of future returns. The value of investment targets may rise or fall, and therefore the customer may lose the capital they have invested. Mandatum is not liable for the performance of the investments. The presented scenarios are an estimate of future performance based on the investment’s past performance and/or current market conditions and are not an exact indicator. The achieved result varies according to how the markets develop and how long the investment is held. Returns are affected by taxation, which depends on each investor’s individual circumstances and may change in the future. Investing in a product could lead to a loss if the capital is not protected. Past performance is not an indication of future returns.
The presentation is based on information available at the time the presentation was created and on Mandatum’s views and estimates at the time. Mandatum reserves the right to change its views or estimates without separate notice. The use of return assumptions and return targets is indicative. The presented return assumptions and return targets have been calculated using long-term forecasts on return assumptions and they are not a guarantee of future returns or of the final outcome in terms of return assumptions always being positive.
The information regarding legislation and taxation is based on Mandatum’s understanding of the current legislation and taxation practices at the time the content was created. The information applies only to individuals subject to taxation in Finland. Taxation is not part of the insurance or other policy, and Mandatum is not liable for any impact that changes in legislation or taxation practices may have or for the conformity of individual decisions by the tax authorities with the presented information. The customer must always determine the tax implications independently or with the help of their own experts.
The websites and web services contain material that is covered by intellectual property rights. All rights are reserved.
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