Disclaimer

Disclaimer and Terms of Use

The publisher of this website takes great care to thoroughly research the information provided and in our articles to ensure that it is accurate and current. Nonetheless, the content on this website is not intended to provide tax, legal, accounting, financial, investing, or professional advice, and readers are advised to seek out qualified professionals that provide advice on these issues for specific client circumstances. In addition, the publisher cannot guarantee that the information on this website has not been outdated or otherwise rendered incorrect by subsequent new research, legislation, or other changes in law or binding guidance. The publisher shall not have any liability or responsibility to any individual or entity with respect to losses or damages caused or alleged to be caused, directly or indirectly, by the information contained on this website. In addition, any advice, articles, or commentary included here-in do not constitute a tax opinion and are not intended or written to be used, nor can they be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.

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Before investing in a mutual fund, ETF, or individual security, you should consider the investment objectives, risks, charges, and expenses of the investment company. The prospectus contains this and other information about the fund investment company. Please read it carefully before investing. Investments in securities involve risk. Some securities and funds have more risk than others. These include funds that allow exposure to or otherwise concentrate investments in certain sectors, geographic regions, security types, market capitalization or foreign securities (e.g., political or economic instability, which can be accentuated in Emerging Market countries). Please read a fund's prospectus for specific details regarding its investments and risk profile. Past performance is no guarantee of future results. There is no guarantee that specific strategies will work under all market conditions, and each investor should be advised to evaluate their ability to invest for the long term, especially during periods of downturn in the market. The securities discussed are not necessarily FDIC insured. Standard & Poor's 500 Composite Index is a market-capitalization-weighted index based on the average weighted performance of 500 widely held common stocks. Indexes are unmanaged and do not reflect sales charges, commissions, expenses or taxes. While you cannot invest directly in an index, you can invest in index funds. Diversifying investments does not ensure against market loss. Investing outside the U.S. (especially in developing countries) entails additional risks, such as currency fluctuations, as more fully described in the prospectus. Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal. The return of principal in bond funds, as well as in funds with significant bond holdings, is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks that are associated with the underlying bonds owned by the fund(s). Investing in smaller companies entails additional risks, as more fully described in the prospectus.  


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