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Now you see how that happened, four sources plus one. Four plus one is five. It's a lot more than that, by the way. 16 past five. Are you looking to protect and grow your nest egg? Well, that is exactly what FMT does. Now, as you know, investing can feel overwhelming. There are just so many options out there. But FMT keeps it simple. No gimmicks, no jargon, just three decades of proven strategies to protect what you've built, grow it with care and then give you the peace of mind that you want. Returns from their income focused funds consistently deliver a healthy premium over bank. The bank term deposits. And in 30 years, FMT has never lost a cent of investor capital. In a world full of ups and downs, that kind of consistent track record matters. At FMT, your nest egg is treated like their own. Their team is always just a call away, offering the kind of personal service that builds lasting trust. And that is why investors choose FMT. FMT, proud to protect and grow Kiwis' nest eggs since 1996. Call today on 0800 321 113. Past performance isn't a reliable indicator of future performance. First Mortgage Managers Ltd is the issuer and isn't a bank. And for the PDS, visit fmt.co.nz.