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Investing in foreign securities involves risks, such as currency fluctuation, political risk, economic changes,
and market risks. Precious metals and commodities are volatile, speculative, and high-risk investments. Physical ownership will not yield income.
As with all investments, an investor should carefully consider his investment objectives and risk tolerance as well
as any fees and/or expenses associated with such an investment before investing. International investing may not be suitable for all investors.
Dividend yields change as stock prices change, and companies may change or cancel dividend payments in the future.
The fluctuation of foreign currency exchange rates will impact your investment returns. Past performance does not
guarantee future returns, investments may increase or decrease in value and you may lose money.