Performance data discussed represents hypothetical past performance. This data is intended for educational purposes only and does not show the historical or expected results of any specific investor or Hill client. Data discussed is in US dollars. Indices are not available for direct investment and performance does not reflect expenses of an actual portfolio. Past performance is not a guarantee of future results. Current performance may be higher or lower than the performance discussed. The Investment return and principal value of an investment will fluctuate so that an Investor’s shares, when redeemed, may be worth more or less than their original cost.