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Non-Financial Advice Disclaimer

Effective Date: 01/01/2024

PLEASE READ THIS RISK DISCLOSURE CAREFULLY. BY USING THE SERVICES OR CONTENT PROVIDED BY PORTFOLIO MATRIX LLC (“Portfolio Matrix”), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED THE RISKS DESCRIBED BELOW.

1. Portfolio Matrix LLC is Not a Financial Advisor

Portfolio Matrix LLC is not registered as an investment adviser with the U.S. Securities and Exchange Commission, any other federal or national governmental or regulatory authority, or any state securities governmental or regulatory authority.

No data, content, or information provided by Portfolio Matrix LLC, the Site, or the other products and services of Portfolio Matrix LLC is intended to constitute, and shall not be construed as:

  • Advice or any recommendation to buy or sell securities;
  • An offer, or solicitation of an offer, to buy or sell securities;
  • An attempt to influence the purchase or sale of any security.

Portfolio Matrix LLC does not offer or provide personalized investment advice. All content and outputs are impersonal and not tailored to your individual needs or circumstances. Before making any investment decisions, you are strongly encouraged to consult with a qualified and licensed financial professional, such as a Registered Investment Adviser (RIA) or Investment Adviser Representative (IAR) who is properly licensed with either the U.S. Securities and Exchange Commission (SEC) or your state securities regulator. These professionals are legally obligated to act in your best interest and can provide personalized advice tailored to your financial goals, risk tolerance, time horizon, and unique personal situation. Portfolio Matrix LLC disclaims any liability for investment decisions made without the input of a duly licensed adviser.

2. Investment Calculators and Hypothetical Allocations

Portfolio Matrix LLC offers investment calculator tools that generate Buy/Sell/Hold amounts based solely on the investment amount and target portfolio weightings explicitly provided by the user. These outputs are mechanical, mathematical results derived from the user’s own inputs and do not constitute investment advice, signals, or recommendations to transact in any specific security.

The Buy/Sell/Hold values are designed only to assist users in modeling how to rebalance a portfolio toward their desired target allocation. They do not consider transaction costs, tax implications, market impact, user suitability, or timing of execution. These values are impersonal and not tailored to the individual investment needs or risk tolerance of any user.

Portfolio Matrix LLC also provides performance simulations and historical backtesting based on user-defined asset weightings. These performance statistics are derived using historical market data under the assumption that the target weights were achieved and maintained over time. Such modeling is for illustrative purposes only and does not represent actual trading or investment results.

3. Illustrative Informational Impersonal Results

Any references to buying, selling, or holding securities within the content provided by Portfolio Matrix LLC are solely the result of financial calculations derived from commonly used financial formulas and models. These calculations are intended for illustrative and informational purposes only and are based on historical market data aggregated with provided user data. Portfolio Matrix LLC makes no representations or warranties regarding the accuracy, completeness, or reliability of such calculations or the underlying data.

Investment calculations are based on user-provided information and historical data that would return the same impersonal results for any user providing the same data. The results of calculations from Portfolio Matrix do not factor in user suitability, risk tolerance, investment objectives, personal circumstances, or time horizon, and are purely aggregated calculations.

4. Personal Responsibility

IT IS POSSIBLE TO GENERATE RESULTS THAT ARE NOT SUITABLE OR APPROPRIATE UNDER ANY CIRCUMSTANCES AND CARRY EXTREME RISK OF LOSS.

You remain solely responsible for all decisions regarding your purchase and sale of securities, the suitability, profitability, or appropriateness for you of any security, investment, financial product, investment strategy, or other matter, and all other matters related to your investments and investment strategies. Portfolio Matrix LLC does not and will not provide you with any legal, tax, estate planning, or accounting advice, or any advice regarding the suitability, profitability, or appropriateness for you of any security, investment, financial product, investment strategy, or other matter. You understand, acknowledge, and agree that Portfolio Matrix LLC employees are not authorized to give any such advice, and you will neither solicit nor rely on any investment advice from any Portfolio Matrix LLC employee. Portfolio Matrix LLC recommends that persons desiring to trade or invest in securities do so cautiously and only in consultation with their professional, licensed, and qualified financial, legal, tax, estate planning, and accounting advisors.

5. Publisher Exclusion

Portfolio Matrix LLC relies upon the “publisher’s exclusion” from the definition of “investment adviser” as provided under Section 202(a)(11)(D) of the Investment Advisers Act of 1940 and corresponding state laws. As such, Portfolio Matrix LLC does not offer or provide personalized investment advice. To the extent any of the content, material, information, and/or any other kind of informational offering published, broadcast, or otherwise stated on this and/or associated websites may be deemed to be “investment advice,” such information is impersonal and not tailored to the investment needs of any specific person. The information contained within this and/or associated websites is provided for informational and educational purposes only and should not be construed as investment or trading advice, nor as a solicitation or recommendation to buy, sell, or hold any positions in any indices or financial markets mentioned. The content and information provided by Portfolio Matrix LLC, the Site, and the other products and services of Portfolio Matrix LLC, are solely incidental to the business and activities of Portfolio Matrix LLC in providing informational services.

6. Hypothetical and Backtested Performance

Any charts, forecasts, simulations, or projected returns generated by Portfolio Matrix LLC are hypothetical in nature and do not reflect actual investment results. Backtested performance results have inherent limitations and do not represent actual trading. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. Past performance, whether actual or simulated, is not indicative of future results.

7. Risks of Trading and Investing

Trading or investing in securities involves a high degree of risk, including the possible loss of principal. No content on this site or within Portfolio Matrix LLC’s products or services should be interpreted as a guarantee of results, safety of principal, or protection against market loss. You should always perform your own due diligence before making any financial decision. Use of any information obtained from or through Portfolio Matrix LLC is solely at your own risk.

8. Reliance on Third-Party Data

Portfolio Matrix LLC relies on third-party sources for market data, pricing, and historical information. While reasonable efforts are made to ensure accuracy, Portfolio Matrix LLC does not guarantee the accuracy, timeliness, or completeness of any third-party data and shall not be liable for any errors or delays in content or for any actions taken in reliance thereon.

9. Limitation of Liability

Under no circumstances shall Portfolio Matrix LLC, its affiliates, employees, agents, or licensors be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of, or the inability to use, any content or tools provided. This includes but is not limited to reliance on any information obtained from Portfolio Matrix LLC that results in investment losses or damages.

Disclaimer: Investing in financial markets involves risk, including the potential loss of principal. Past performance is not indicative of future results, and hypothetical or backtested performance does not represent actual trading outcomes.

All tools, charts, calculators, and simulations provided by Portfolio Matrix LLC are for educational and informational purposes only. Outputs such as Buy/Sell/Hold values are based on user inputs to achieve mathematically calculated target weightings. All statistical information for weighted performance is based on aggregated historical data and are purely illustrative. They do not consider transaction costs, tax implications, market impact, user suitability, or timing of execution. These values are impersonal and not tailored to the individual investment needs or risk tolerance of any user.

Most importantly - Any calculated Buy/Sell/Hold values should not be considered investment advice or recommendations.

Portfolio Matrix LLC is not a registered investment adviser and does not offer personalized financial, legal, tax, or investment advice. Users are encouraged to consult with a qualified, licensed financial professional before making any investment decisions.

IT IS POSSIBLE TO GENERATE RESULTS THAT ARE NOT SUITABLE OR APPROPRIATE UNDER ANY CIRCUMSTANCES AND CARRY EXTREME RISK OF LOSS.

You remain solely responsible for all decisions regarding your purchase and sale of securities, the suitability, profitability, or appropriateness for you of any security, investment, financial product, investment strategy, or other matter, and all other matters related to your investments and investment strategies.

For complete details, please review our full legal agreements:

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