Lifeplan Australia Friendly Society Limited ABN 78 087 649 492 AFS Licence number 237989 (‘Lifeplan’), a wholly owned subsidiary of Australian Unity Limited ABN 23 087 648 888. Products are issued by Lifeplan. Information provided here is general in nature and indicative only and has been prepared without taking into account your financial situation, objectives or needs. You should obtain the Education Savings Fund Product Disclosure Statement (PDS) before making any decision about whether to invest. Any decisions relating to a financial investment should only be based upon a consideration of your overall objectives, current and anticipated situation or needs, and should not be influenced by historical data such as past performance. It is recommended that you seek your own financial, legal and/or tax advice prior to making any financial investment decision. Any articles and/or information referred to as a direct or indirect result of this article is intended as only a guide. Information published is relevant at time of publication of this article but may however change in the future. Lifeplan does not provide any guarantees for information provided in this disclosure, especially given the volatile economic climate.