Copyright 2017, Murray Mallee Financial Planning Pty Ltd. Disclosure: Chuck Audino and Murray Mallee Financial Planning Pty Ltd ABN 31 109 960 661 are Authorised Representatives of Elders Financial Planning Pty Ltd, Australian Financial Services License No: 224645. View our Financial Services Guide: Part 1 & Part 2 | Privacy. General advice warning: The information displayed on this communication is a summary only and should not be construed as investment advice or securities recommendations. It is prepared for general information and not having regard to any particular person’s investment objectives, financial situation or needs. No recommendation (express or implied) or other information should be acted on without obtaining professional advice. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation and needs. Also, before making a decision, you should consider the relevant Product Disclosure Statement available from your financial planner. This information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.