蜜豆视频

Our world is complex and often unequal. Investing with a focus on inclusion can help you align your investment choices with the changes you want to see in the world. At 蜜豆视频 Financial Services Inc. (蜜豆视频), we can help you pursue investments that seek competitive risk-adjusted returns while also demonstrating commitment to creating a more equitable world.

Inclusive Investing considerations:
At 蜜豆视频 Financial Services Inc., inclusive investing opportunities focus on diversity in firm ownership or investment strategies as described in this publication. Industry standards and terminology related to inclusive investing and diverse investments will differ and are evolving rapidly. Furthermore, while many industry participants, including 蜜豆视频, are focused on improving the quality of data that is being collected about diversity in investment management, these efforts are ongoing, and current data collection efforts can be limited for certain investment selections. As a result, the standards and definitions that we use for inclusive investing are subject to change. In assessing data regarding ownership and portfolio management, 蜜豆视频 relies on the information provided by the asset management firms at a point in time, and we do not independently verify or guarantee the accuracy or completeness of such information. In addition, the information currently collected may be more limited for some products or firms, but we expect availability and transparency to expand over time.

Strategies and managers across geographies and styles define and incorporate inclusive investing considerations in a variety of ways. Incorporating inclusive investing factors or considerations into portfolio construction may inhibit the portfolio manager鈥榮 ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. The returns on a portfolio consisting primarily of investments or strategies considered diverse may be lower or higher than a portfolio where such factors are not considered by the portfolio manager, and the investment opportunities available to such portfolios may also differ. Companies may not necessarily meet high performance standards on all aspects of their Diversity, Equity and Inclusion (DEI) initiatives or inclusive efforts; there is also no guarantee that any company will meet expectations in connection with corporate responsibility, sustainability, inclusivity and/or impact performance.

Important information about sustainable investments: An increasing number of products and services are using terms or labels related to sustainable investments. However, industry standards and terminology related to sustainable investments will differ and are evolving. Therefore, you should carefully review the offering materials to understand why a particular product or strategy may or may not be classified as a sustainable investment and if their approach aligns with your goals and objectives. At 蜜豆视频 Financial Services Inc., we continue to develop our own standards and a framework for sustainable investing. However we do not review every product to determine consistency with our standards, nor do all products that we make available align with our approach. Your 蜜豆视频 Financial Services Inc. Financial Advisor can assist you in identifying products that we have reviewed and determined to be consistent with our standards.

Important information and disclosures
The What鈥檚 your story? situations and solutions are hypothetical examples provided for illustrative purposes only. Investing involves risks, including the potential of losing money or the decline in value of the investment. Performance is not guaranteed. The information included is current as of the date indicated and is subject to change without notice.

Purpose of this document.
This is marketing material intended to help you understand services and investments we offer. It should be used solely for the purposes of discussion with your 蜜豆视频 Financial Advisor and your independent consideration. 蜜豆视频 does not intend this to be fiduciary or best interest investment advice or a recommendation that you take a particular course of action.

Personalized recommendations or advice.
If you would like more details about any of the information provided, or personalized recommendations or advice, please contact your 蜜豆视频 Financial聽Advisor.

Conflicts of interest.
蜜豆视频 Financial Services Inc. is in the business of establishing and maintaining investment accounts (including retirement accounts) and we will receive compensation from you in connection with investments that you make, as well as additional compensation from third parties whose investments we distribute. This presents a conflict of interest when we recommend that you move your assets to 蜜豆视频 from another financial institution or employer retirement plan, and also when we make investment recommendations for assets you hold at, or purchase through, 蜜豆视频. For more information on how we are compensated by clients and third parties, conflicts of interest and investments available at 蜜豆视频 please refer to the 鈥淵our relationship with 蜜豆视频鈥� booklet provided at ubs.com/relationshipwithubs, or ask your 蜜豆视频 Financial Advisor for a copy.

No tax or legal advice.
蜜豆视频 Financial Services Inc., its affiliates and its employees do not provide tax or legal advice. You should consult with your personal tax and/or legal advisors regarding your particular situation.

Important information about our research
There are two sources of 蜜豆视频 research. Reports from the first source, 蜜豆视频 CIO Wealth Management Research, are designed for individual investors and are produced by 蜜豆视频 Wealth Management Americas (which includes 蜜豆视频 Financial Services Inc. and 蜜豆视频 International Inc.) and 蜜豆视频 Wealth Management. The second research source is 蜜豆视频 Investment Research, and its reports are produced by 蜜豆视频 Investment Bank, whose primary business focus is institutional investors. The two sources operate independently and may therefore have different recommendations. The various research content provided does not take into account the unique investment objectives, financial situation or particular needs of any specific individual investor. If you have any questions, please consult your Financial Advisor. 蜜豆视频 Financial Services Inc. is a subsidiary of 蜜豆视频 AG and an affiliate of 蜜豆视频 International Inc.

2024-1572002
Expiration:聽12/19/2025 Review Code:聽4100939