Disclaimer
Please read this before you rely on anything on Invest Insights.
General education, not advice
Invest Insights publishes general educational information about how investing, investment accounts and investment taxes work in the United States. Nothing on this site is investment, financial, tax, accounting or legal advice, and nothing here is tailored to your circumstances. We don’t know your income, tax position, goals, time horizon or tolerance for risk, and the right choice for you depends on all of them.
Who we are, and who we are not
Invest Insights is published by Accel Media. We are not a registered investment adviser, a broker-dealer, a certified public accountant (CPA), a certified financial planner, or an attorney. Our guides have not been reviewed by a CPA or any other tax professional. Using this site doesn’t create any adviser, accountant or attorney relationship between you and Accel Media.
No recommendations
Nothing on this site is a recommendation, offer or solicitation to buy, sell or hold any security, fund or other investment, or to open an account with any firm. When a guide names a real fund, index or company, it does so only to illustrate how to read a document or how something works, and the example is labeled as an illustration. We don’t receive payment from any fund, broker or financial company at the time of writing; if that changes, we will disclose it beside the relevant link and on our editorial policy page.
Risk
All investing involves risk, including the possible loss of the money you invest. Past performance does not guarantee future results. Worked examples on this site use invented figures and assumed returns to show how a calculation works; they are not forecasts or promises of any result.
Tax rules and figures change
Tax rules, contribution limits, income thresholds and other amounts change, often every year. Each guide states the tax year its rules and amounts apply to, and the date we last checked the official sources. We aim to update guides when new official figures are published, and to say so on the guide, but we can’t promise that every page is current at every moment. Always confirm current rules with the official source, such as the IRS, before you act.
Calculators
Our calculators run in your browser and use only the figures you enter and the assumptions they state. Their results are simplified illustrations, not tax returns, financial plans or recommendations.
Your responsibility
You are responsible for your own investment, tax and financial decisions. Before acting, consider talking to a qualified professional who knows your situation, such as a CPA, an enrolled agent, a fee-only fiduciary financial adviser or an attorney.
Accuracy and corrections
We work to keep our guides accurate and cite the official sources we rely on, but errors can happen. To the fullest extent permitted by law, Accel Media isn’t liable for any loss arising from use of or reliance on this site. If you spot an error, email hello [at] accel-media [dot] com with “Correction” in the subject line (replace [at] with @ and [dot] with a period), and we’ll correct it.