While Income+ is managed to reduce risk through diversification and professional management, all investments inherently come with certain risks

• Interest Rate Risk: Bond prices are sensitive to interest rate changes. Typically, when rates rise, bond prices drop, and vice-versa.This sensitivity is known as duration risk. Longer-duration bonds are more affected. To help manage this, Syfe Income+ focuses on short to medium durations.
• Credit Risk: If a bond issuer fails to meet its obligations, the value of that security may decline.
• Market Risk: Broader economic or geopolitical events can impact the entire portfolio.
• Liquidity Risk: Some securities may be harder to sell quickly or may need to be sold at a discount.
• Inflation Risk: Rising inflation can reduce the real value of your income.
• Diversification Risk: Diversification helps spread risk but doesn’t eliminate it. Some assets may still underperform.
• Derivative Risk: Some underlying funds may use derivatives for hedging or efficient portfolio management. While this can help manage risks, derivatives may introduce additional risks such as counterparty risk, pricing volatility, or leverage effects, which could impact the portfolio’s value.
• Operational Risk: Technical issues or human errors in managing the portfolio can also affect performance.

Despite these risks and short-term fluctuations, Syfe Income+ is designed to deliver consistent monthly income and long-term stability through active management and thoughtful diversification. It’s important to align your investment choices with your financial goals and personal risk tolerance.