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It should not be taken as constituting professional advice from the website owner – The Stoic Investors Ltd and associated entities.

The Stoic Investors (thestoicinvestors.com) is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances.

The Stoic Investors is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

I do not give individualised financial advice. If you require personalised financial advice, contact a certified financial planner or other dedicated professional so that they can review your unique situation and tailor their advice for you.

Investments carry risk and may lose value. The Stoic Investors (thestoicinvestors.com) is not responsible for loss of value; all investment decisions that you make are yours alone.

Before investing, you should be aware of the risks involved, and take appropriate risk mitigation steps as necessary. Check multiple sources for information prior to investing; do not strictly rely on my articles and information as there could be errors.

General Information Warning

The information on this website is NOT ADVICE. It does not take your specific needs or circumstances into consideration, so you should look at your own financial position, objectives and requirements and seek financial advice before making any financial decisions.

The information on the The Stoic Investors Website is intended to be educational and informative in nature and is not personal financial product advice. It does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold).

Users of the Websites are advised to consult their own professional advisers in relation to any of the information available on the Websites before making any financial investment decision.

All information on the Websites are publicly available. Information on the Websites may become outdated after publication as circumstances change.

Whilst we endeavour to keep the information on the Websites up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Websites or the information, products, services, or related graphics contained on the Websites for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Forward Looking Statements

The material on the The Stoic Investors may contain forward looking statements which are not based solely on historical facts but are based on current expectations about future events and results. Words such as ‘anticipate’, ‘believe’, ‘expect’, ‘project’, ‘forecast’, ‘estimate’, ‘outlook’, ‘likely’, ‘intend’, ‘should’, ‘could’, ‘may’, ‘target’, ‘plan’, ‘will’ and other similar expressions typically identify forward looking statements. Such forward looking statements are based on views held only at the date of publication of the material and are not guarantees of future performance or events. These forward looking statements are subject to inherent risks, uncertainties and other factors, many of which are beyond the control of the company or person making the statements. Accordingly, actual results may differ materially from those expressed or implied in such statements.

The Stoic Investors does not undertake to update any forward looking statements to reflect events or new information following the publication of forward looking statements on The Stoic Investors Websites. The Stoic Investors gives no representation or warranty (express or implied) as to the completeness or reliability of any forward looking statements.

Hypotheticals, Illustrations and Examples

Hypotheticals, illustrations and examples on The Stoic Investors Websites are provided for illustrative purposes only. They should not be relied on by individuals when they make investment decisions.

Past Performance

Past performance information is not a reliable indicator of future performance of that company or product. Any reference to past performance on The Stoic Investors Websites is intended to be for general illustrative purposes only.

Links to Other Sites

The Stoic Investors is not responsible for the content of any site owned by a third party that may be linked to this website, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any site that may be linked to The Stoic Investors website. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organisation sponsoring or owning the linked website.

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Calculators, Resources, Tools and Downloadable Templates.

The calculators, tools and downloadable worksheets on this website are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice.

All reasonable care has been taken in preparing and designing the calculators and tools; however, The Stoic Investors provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.

All downloadable documents have been prepared for our personal use, we are sharing these with you for free. What you do with this information is up to you. The Stoic Investors will not be held responsible for what you do with it.

Nothing said on this website or in this guide is intended to influence your decisions about any financial product. The downloadable documents are a template only and provide a way to reflect on your investing journey. They should not be considered a replacement for licensed personalised financial advice. The downloadable resources are designed by the stoic investors as an educational resource only. Any information you input into this document is strictly your information and should be kept private. The Stoic Investors holds no liability associated with using this document, and your information within. As a result, we cannot be held responsible for any capital loss or other liability associated with the information included in this document.

Equity Research

All equity research, including Investment Memos, updates, Thesis, Checklists, companies discussed, is based on The Stoic Investors own independent research.

We do not warrant or issue BUY – HOLD- SELL Recommendations.

Ultimately you are responsible for your own investment decisions, and there is no guarantee of success.

We will never issue buy, sell or hold recommendations.

We share our research and commentary on the execution of our own investment strategy and the company’s progress against our Investment Thesis.

The information is prepared without taking into account any of your objectives, financial situation or needs. Please consult your own professional advisers regarding the suitability of information available before making any investment decisions.

Risks of Information and use of this site.

This Site provides information (“Information”) regarding, but not limited to, securities, securities markets and general investment strategies.

The strategies discussed in the Information are strictly for illustrative, entertainment and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective. The information provided is not intended to be a complete analysis of every material fact respecting any strategy. The examples presented do not take into consideration commissions, tax implications or other transaction costs, which may significantly affect the economic consequences of a given strategy.

By using this site, you agree that you fully understand that the stock market, other securities markets, and all financial websites contain implicit and explicit risks. That being acknowledged, understood, and agreed, anyone who directly or indirectly uses the Site and/or Information shall hold The Stoic Investors and any of its, members, officers, employees, subcontractors, affiliates, and/or third-party providers harmless for any loss, injury, or damage resulting from the usage of the Site or any Information. All Users of the Site, agree that they alone bear complete responsibility for their own investment research and investment decisions and that they will not hold The Stoic Investors and any of its, members, officers, employees, subcontractors, affiliates, and/or third party providers liable for any decisions or outcomes from actions made by them or others based directly or indirectly upon the Information or any other material provided by The Stoic Investors.

The Stoic Investors is not a registered investment advisor or broker-dealer and is not licensed nor qualified to provide investment advice. Nothing published by The Stoic Investors should be considered personalized investment advice or investment services by The Stoic Investors or the Information Providers.

The Information is NOT a solicitation to BUY, SELL, or HOLD any securities mentioned, directly or indirectly, in the Information. Furthermore, the Information should not be used as the basis for making any investment decision and you should consult your independent financial investment advisor before making any such decision. Your due diligence is of the utmost importance and highly recommended. Never buy stocks or other financial products based purely on the Information. Neither The Stoic Investors nor any Information Provider guarantees any specific outcome or profit, as, among other things, the strategies or investments discussed may fluctuate in price or value and the investments or strategies mentioned on the Site or in the Information may not be suitable for you. This material does not consider your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you.

The material in the Information represents an assessment of the market environment at a specific time and is not intended to be a forecast of future events or a guarantee of future results. You should not rely upon this information as research or investment advice regarding the funds or any security.

You must make an independent decision regarding investments or strategies mentioned on the Site or the Information. You affirm that buying stocks or any other financial instrument is risky, and you may lose some or all of your money. Before acting on Information, you should consider whether it is suitable for your circumstances and seek advice from your own independent financial or investment advisor. YOU SHOULD VERIFY ALL CLAIMS, DO YOUR OWN DUE DILIGENCE AND/OR SEEK YOUR OWN PROFESSIONAL ADVISOR AND CONSIDER THE INVESTMENT OBJECTIVES AND RISKS BEFORE INVESTING IN ANY SECURITIES MENTIONED ON THE SITE OR IN THE INFORMATION. You specifically acknowledge that The Stoic Investors and any of its, members, officers, employees, subcontractors, affiliates, and/or third-party providers will in no way be held liable for losses or gains arising out of any Information sent to you by The Stoic Investors or subscribed by you from The Stoic Investors, and you waive any such claims on your own behalf and on behalf of your successors, heirs and representatives.

FINANCIAL ADVICE DISCLAIMER: The Stoic Investors is not a financial adviser and does not hold a Financial Services Licence in any country. All information is based on experience and our due diligence about personal investing and financial products. These articles are general information, like everything conduct your due diligence and research or seek a qualified financial adviser, accountant, or investment specialist before entering any financial or investment arrangements. Nothing said on this website is intended to influence your decisions about any financial product. We are not providing you with any financial advice. This website provides factual, balanced information without judgment or bias and does not provide any general or personal financial advice about what you should do with your investments. Just because we do something with our money (or use a particular service or platform) doesn’t mean it is appropriate for our circumstances. We neither recommend nor endorse any financial or investment product, and our usage or opinion of any product should not be interpreted as an endorsement, advertisement, or intent to influence.