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The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand your risks and commitments. If you are unsure at any stage of the process please contact an adviser for guidance or advice.

MONEY CHEF Appointed representative of AUSTYN SMITH ASSOCIATES LIMITED which is authorised and regulated by the Financial Conduct Authority. Address: 100 Pall Mall, St James’s, London SW1Y 5NQ.