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Calculating Your Future Returns: The value of any investment and the income derived from it can go down as well as up. Never invest more than you can afford to lose and keep in mind the ultimate risk is that you can lose whatever you've invested. While useful for detecting patterns the past is not a guide to future performance. Some figures contained in this report are forecasts and may not be a reliable indicator of future results. All advice is general advice and has not taken into account your personal circumstances. Please seek independent financial advice regarding your own situation, or if in doubt about the suitability of an investment. All figures accurate as of 1st November 2012. Please read and download our Financial Services Guide: http://www.portphillippublishing.com.au/financial-services-guide/

The Denning Report is published by Port Phillip Publishing Pty Ltd. Registered Office: Level 1, 10 Fitzroy Street, St. Kilda, VIC 3182 Port Phillip Publishing Pty (ACN: 117 765 009 ABN: 33 117 765 009) Australian Financial Services License: 323 988. All content is © 2005 – 2012 Port Phillip Publishing Pty Ltd. All Rights Reserved. cs@portphillippublishing.com.au