The Asset Owners Disclosure Project (ACN 136 375 703) is not-for-profit organisation limited by guarantee under Australian law. The Asset Owners Disclosure Project provides general information relating to the risks of climate change to retirement savings, pension funds and superannuation, not individually targeted personalised advice. Advice from the Asset Owners Disclosure Project does not take into account any investor’s particular investment objectives, financial situation and personal needs. Investors should assess for themselves whether the advice is appropriate to their individual investment objectives, financial situation and particular needs before making any investment decision on the basis of such general advice. Investors can make their own assessment of the advice or seek the assistance of a professional adviser. Investing entails some degree of risk. Investors should inform themselves of the risks involved before engaging in any investment. The Asset Owners Disclosure Project endeavours to ensure accuracy and reliability of the information provided but does not accept any liability whatsoever, whether in tort or contract or otherwise, for any loss or damage arising from the use of The Asset Owners Disclosure Project data and systems. Past performance is not necessarily indicative of future results. Information and advice provided here is not an offer to buy or sell securities. Before commencing an investment program we recommend you seek independent professional legal, tax and investment advice as to whether it is suitable for your particular needs and circumstances. Failure to seek detailed professional personally tailored advice prior to acting could lead to you acting contrary to your own best interests and could lead to losses of capital. We expressly deny any liability to you for loss in any manner or form now or at any time in the future. You should be aware that some investments will lose money. The Asset Owners Disclosure Project data and rankings are on the basis of probabilities – that they are proven profitable at some point in time in the future more often than not based on available information. Any action based on this information should observe standard investment and trading rules such as diversification, stop losses and matching to personal risk tolerances. Investing strategies and actions discussed in our publications may not be suitable for you. You must make your own investment decisions in light of your own circumstances.