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Ongoing product availability. Our ability to maintain and make available our products is subject to third-party vendor relationships, and business and market conditions, which are beyond our control. We therefore offer no guarantees as to your ability to access our products on an ongoing basis. Should we be forced to cease operations or otherwise discontinue the availability and maintenance of our products, we will make reasonable efforts to provide advance notice and, where possible and at our sole discretion, issue full or partial refunds for the unused portions of any outstanding paid subscription terms.
Data presentation. The charts and figures contained on the Site are based on historical total return data beginning January 1, 19261935, and ending at the most-recent month end for which data are available. They are for illustrative purposes only; they do not constitute investment advice and must not be relied on as such. They assume the reinvestment of all investment income, and no transaction costs or taxes. Portfolios are neither real, nor recommended.
Investment considerations. An investment cannot be made directly in an index. Government bonds and Treasury bills are guaranteed by the full faith and credit of the United States government as to the timely payment of principal and interest, while stocks are not guaranteed and have been more volatile than the other asset classes shown. International Stocks exclude U.S. Stocks. International stocks involve special risks such as fluctuations in currency, foreign taxation, economic and political risks, liquidity risks, and differences in accounting and financial standards.
Safe Withdrawal Rates. "Safe Withdrawal Rates", as published on our Site, are historically safe withdrawal rates. Past safe withdrawal rates are not necessarily an indicator of future safe withdrawal rates. Some studies have shown that changes in stock market valuation can affect safe withdrawal rates. Investors may therefore wish to consider the valuation levels that are prevailing at the time they are making a decision in regard to their withdrawal rate and asset allocation.
Past performance. Past performance is not an indicator of future performance. Diversification neither assures a profit nor eliminates the risk of experiencing investment losses.