Investing in securities and financial products involves substantial risk. Before using our calculators, following any strategies discussed or making any investment, you should carefully consider the following risk factors and, where necessary, consult an independent financial advisor.
Loss of principal – All investments carry the risk of loss, and you could lose some or all of the money you invest. Different investments have varying degrees of risk, so you should assess whether an investment aligns with your risk tolerance and objectives.
Market fluctuations – Investment values can fluctuate due to market conditions, economic factors and other external influences. Even "low‑risk" strategies involve an element of uncertainty.
No guarantee of performance – Historical returns and projections do not guarantee future results. Past performance is not a reliable indicator of future performance. You should not assume that any investment or strategy will achieve returns similar to those illustrated.
Diversification – Diversifying across asset classes and sectors may help spread risk but does not eliminate the possibility of loss entirely.
Liquidity risk – Some investments may be illiquid, meaning they cannot be sold quickly or without affecting the market price. Consider your liquidity needs before investing.
Interest‑rate and market‑risk – Fixed‑income securities are sensitive to interest‑rate changes; when rates rise, bond values may decline. Equity prices can be volatile, and market risks may cause shares to become difficult to sell or even become valueless.
Currency risk – Investments denominated in foreign currencies are subject to exchange‑rate fluctuations that can increase or decrease returns.
Regulatory and tax risk – Changes in laws, regulations or tax policy may affect investment returns. You should consult a qualified tax professional regarding potential tax implications.
Our calculators and model portfolios are provided for illustration and educational purposes only. The pre‑set values and assumptions used are generic and may not reflect your personal situation. Hypothetical or simulated performance results have inherent limitations and are not guarantees of actual results. You should adjust inputs to reflect your own circumstances and understand that the outputs are not personalised recommendations.
This site is intended to empower users with educational information. However, as the Stockopedia disclaimer emphasises, you should take independent financial advice from a professional and independently research and verify any information before making investment decisions. Schroders' risk warnings likewise recommend seeking independent legal or financial advice if you are unclear about the disclosures or the suitability of any product.
By using this site, you acknowledge that you have read and understood these disclosures and risk warnings and that you accept full responsibility for your investment decisions.