Outlooks 2015 on Emerging Market Equities and US Multi-Sector Fixed Income

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Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them can go down as well as up and investors may not get back the amount originally invested.  Changes in exchange rates can also cause the value of investments in currencies.   Investments in emerging markets can involve a higher degree of risk. Less developed markets are generally less well regulated than the Switzerland, investments may be less liquid and there may be less reliable arrangements for trading and settlement of the underlying holdings.
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