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The material on this website is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. © Copyright 2016 Canstar New Zealand Ltd Reg. No. 3225469 (FSP200146) All rights reserved.