Important Information
1. Not Financial Advice
All content published by The Retirement Portfolio, including newsletters, articles, portfolio updates, ETF allocations, commentary, emails, chat messages, and any other material, is provided for educational and informational purposes only.
Nothing published by The Retirement Portfolio constitutes personal financial advice, investment advice, a recommendation, or a solicitation to buy, sell, or hold any investment or financial product. The information provided does not take into account your personal financial circumstances, financial objectives, tax position, investment experience, or attitude to risk.
2. No Adviser Relationship
I am an independent private investor and not a regulated financial adviser, investment manager, or broker.
By subscribing to or reading The Retirement Portfolio, you acknowledge that no adviser-client, fiduciary, or professional relationship is created. If you are unsure whether any investment is suitable for your own circumstances, you should seek advice from a suitably qualified financial adviser.
3. Investment Risk
All investments involve risk.
The value of investments can rise or fall, and you may receive back less than you originally invested. ETFs, equities, bonds, commodities, and other financial instruments are subject to market risk, interest rate risk, liquidity risk, tracking error, and other factors beyond my control.
No investment strategy can eliminate risk or guarantee positive returns.
4. Past Performance and Backtesting
Any historical performance figures, backtested results, hypothetical performance, or statistical analysis published by The Retirement Portfolio are provided for illustrative purposes only.
Past performance is not a reliable indicator of future results. Market conditions change, and strategies that have performed well historically may underperform or fail in the future.
Backtested results are generated using historical data and should not be interpreted as a promise or guarantee of future investment performance.
5. Model Portfolio Signals
The Retirement Portfolio publishes model portfolio allocations and systematic investment signals based on predefined rules.
These model allocations are provided solely to explain how the strategy operates. They are not personal recommendations or instructions to trade. You remain entirely responsible for deciding whether any investment or strategy is appropriate for your own circumstances.
6. Accuracy of Information
Every reasonable effort is made to ensure that published information is accurate at the time of writing.
However, I cannot guarantee the completeness, accuracy, or timeliness of any information, market data, calculations, performance figures, ETF information, or commentary. Errors, omissions, or delays may occasionally occur.
7. Personal Responsibility
You are solely responsible for your own investment decisions.
By using information provided by The Retirement Portfolio, you accept full responsibility for any investment decisions you make and any resulting gains or losses.
To the fullest extent permitted by law, The Retirement Portfolio accepts no liability for any direct or indirect financial loss arising from reliance on information published through this publication.
8. Disclosure of Interests
I personally invest using the same systematic strategy described in The Retirement Portfolio and will generally hold the same ETFs and allocations as the published model portfolio.
However, differences may occasionally arise due to factors such as trade execution timing, dealing costs, tax considerations, account restrictions, or other personal circumstances.
Nothing published by The Retirement Portfolio should be interpreted as a personal recommendation to buy, sell, or hold any investment.
9. Copyright
All content published by The Retirement Portfolio is protected by copyright.
Your subscription is for your personal use only. Content may not be copied, reproduced, republished, redistributed, shared, or used for commercial purposes without my prior written permission.