General Disclaimer

The information contained on this website is provided for general informational and educational purposes only. While reasonable care is taken to keep the information accurate and up to date, Roche Investment Services makes no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related content contained on this website.

Any reliance you place on such information is strictly at your own risk. Roche Investment Services shall not be liable for any loss or damage, including without limitation any indirect or consequential loss, arising from the use of this website or reliance on the information provided herein.

Investment Risks & Risk Management

All investments, including mutual fund investments, are subject to risk. Investors are advised to carefully read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) of the respective mutual fund schemes before investing.

These documents contain important disclosures relating to both general investment risks and scheme-specific risks associated with mutual fund investing.

Investors should be aware that mutual fund and other market-linked investments may be subject to risks including, but not limited to:

Market Risk: Investment values may fluctuate due to changes in market conditions, economic factors, interest rates, political events, and other variables beyond our control. The Net Asset Value (NAV) of mutual fund units may rise or fall depending on market movements.

No Guaranteed Returns: There are no guaranteed or assured returns on any mutual fund or market-linked investment. The value of investments and the income derived from them may go down as well as up.

Past Performance: Past performance of any mutual fund scheme or investment portfolio is not necessarily indicative of future results. Historical returns should not be the sole basis for making investment decisions.

Credit & Interest Rate Risk: Debt mutual funds are subject to credit risk and interest rate risk, which may impact the value of underlying securities.

Liquidity Risk: Under certain market conditions or exceptional circumstances, redemption from a mutual fund scheme may be temporarily restricted or suspended due to liquidity constraints or other regulatory reasons. 

Risk Management

While investment risk cannot be eliminated, it can be managed through appropriate asset allocation, diversification, disciplined investing, suitable investment time horizons, and periodic portfolio reviews.

Compensation Disclosure

Roche Investment Services does not charge any direct consultation or advisory fee for mutual fund distribution services.

Compensation is received through trail commissions paid by mutual fund houses on investments routed through regular mutual fund schemes. These commissions form part of the Total Expense Ratio (TER) already charged within the respective schemes.

Roche Investment Services is empanelled with multiple mutual fund houses and is not obligated to recommend any particular Asset Management Company (AMC) or scheme. I deliberately choose simple, low-cost mutual fund plans, as these tend to be best for most investors. 

Third-Party Content & Data

Any references to third-party products, services, research, factsheets, NAV data, market indices, or performance benchmarks are sourced from publicly available information and respective Asset Management Companies (AMCs).

While reasonable care is taken in sourcing such information, Roche Investment Services does not guarantee the accuracy, completeness, or timeliness of third-party information. Such information is provided on an “as is” basis without warranties of any kind.

Tax Disclaimer

The tax implications of investments vary depending on the type of scheme, holding period, and individual circumstances. Tax laws are subject to change from time to time.

Investors are advised to consult a qualified tax professional for advice specific to their individual situation. Roche Investment Services does not provide tax advisory services.

Contact

For any questions regarding this disclaimer or our services, please contact:

Roche Investment Services

Behind Roche Villa

Jeppu Bappal, 1st Cross Road

Mangalore - 575002

Email: rocheinvestmentservices@gmail.com
Phone: +91 8123041956