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you won't lose a penny, but you might get a slightly lower return than expected.
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So the return is not a guaranteed 4.5%. Sounds like any other investment and a gamble.
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if at any time they believe that market volatility is likely to hit your return, they will inform you immediately. You then have the choice to close the account, or accept a lower rate of profit.
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And I know some investors would then ask them what they should do. And they being in a expert role probably advise it's a temporary fall just stay the course.