How to Invest Your Money e-newsletter is published by How to Invest Your Money, Inc. How to Invest Your Money, Inc. is strictly a research publishing firm and does not provide individual investment advice to its subscribers. The information we publish is based on our opinions plus our statistical and financial data and independent research. Although we make every effort to provide the most accurate and updated information possible, our information cannot take into consideration your personal finances and goals, and therefore is not intended to be used as customized recommendation to buy, hold, or sell securities, or engage in any trading strategy. Such recommendations may only be made by a personal advisor or the broker you select.
Most investments involve risk of loss. Although this service makes every effort to protect your principal, you can lose money. Therefore, it is not for all of your funds. If your goal for a certain portion of your funds is strictly capital preservation, we believe you should invest those funds in conservative investments such as short-term U.S. Treasury securities or equivalent. For more information on prudent investing, see also the information available at the websites of the Securities and Exchange Commission at www.sec.gov and the Financial Industry Regulatory Authority at www.finra.org.
Most of the information we publish is derived from primary sources, including the U.S. government agencies as well as the financial institutions or publicly traded companies we cover. We believe our data sources are accurate, but we do not verify their accuracy independently. Therefore, we cannot assure you that the information is accurate or complete. Nor do we guarantee the success of any investment decision you may make using our data, information, or recommendations.
To help us track the performance of this service, subscribers are asked to give their brokers’ permission to share statements with us strictly for the purpose of substantiating the results of the trading. If broker documents are available on a particular trade, we use them to calculate the net, after-commission profits on the trade. Naturally, the results of each subscriber may differ depending on the actual prices achieved and the commissions paid. If broker documents are not available on a trade, we estimate the pre-commission gains based on the market prices following the publication of each recommendation. In addition, examples of potential performance returns may sometimes be based on simulated — not actual — trades, assuming entry and exit prices that could have been obtained during regular market conditions. These entry and exit prices calculated do not reflect or include costs of spreads, market delays, or fees and commissions. Similar returns may or may not be actually achieved by subscribers.
While every effort is made to evaluate the actual experience of subscribers, most performance figures must be considered hypothetical, and past results are no guarantee of future performance. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.
References to examples of past performance are not intended to provide a total picture of portfolio results. Your results may vary considerably depending on a series of factors, including: (a) when you begin or cease investing, (b) which recommendations you choose to act on, (c) how much money you choose to invest in each recommendation, (d) the specific prices you get, (e) the broker commissions you pay, (f) the interest income you earn on uninvested funds, and (g) the number and magnitude of losing or winning trades you experience.
With the exception of exempt s