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3. Success of the past does not guarantee any positive future developments; the development of funds and indices can be volatile and unpredictable.

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© 2015 Morningstar Deutschland GmbH. All Rights Reserved. (1) is proprietary to Morningstar; (2) may not be copied (save (i) as incidentally necessary in the course of viewing it on-line, and (ii) in the course of printing off single copies of web pages on which it appears for the personal non-commercial use of those authorised to view it on-line), adapted or distributed; and (3) is not warranted to be accurate, complete or timely.

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1. Content

The author reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected. All offers are not-binding and without obligation. Parts of the pages or the complete publication including all offers and information might be extended, changed or partly or completely deleted by the author without separate announcement.

2. Referrals and links

The author is not responsible for any contents linked or referred to from his pages - unless he has full knowledge of illegal contents and would be able to prevent the visitors of his site from visiting those pages. If any damage occurs by the use of information presented there, only the author of the respective pages might be liable, not the one who has linked to these pages. Furthermore the author is not liable for any postings or messages published by users of discussion boards, guestbooks or mailinglists provided on his page.

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5. Legal validity of this disclaimer

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