FinoLib is a free educational resource. Please read this page before relying on anything you find here.
Educational purposes only
Everything on FinoLib — chapters, glossary entries, explainers, examples and figures — is general information published for education. It is not financial, investment, tax, accounting or legal advice, and it is not a recommendation to buy, sell or hold any security, product or strategy. Reading FinoLib does not create an advisory, professional or client relationship of any kind between you and FinoLib or its author.
Your decisions are your own
Your circumstances — income, debts, goals, tax position, country and appetite for risk — are specific to you, and general education cannot account for them. Before acting on anything you read here, especially decisions about investing, borrowing, retirement accounts, insurance, taxes or estate planning, speak with a qualified professional who can look at your whole situation. Investing involves risk, including the possible loss of the money you put in.
Accuracy and timeliness
We research carefully and aim to be accurate, but finance changes constantly. Interest rates, tax rules, contribution limits, regulations and market data move, and rules differ from country to country and state to state. Figures and rules are accurate as of each article’s publication date unless stated otherwise, and may be out of date by the time you read them. Many examples use the US system as their anchor, so check what applies where you live. Always confirm current figures with an official source or your provider.
FinoLib is provided “as is”, without warranties of any kind. If you find an error, please contact us. Verified corrections are made and appreciated.
Examples and history
Case studies, historical crises, hypothetical illustrations and numerical examples are used to explain concepts. They are simplified, they are not predictions, and past events or past performance are not a reliable guide to future results.
Personal views
The views expressed on FinoLib are those of the author. They are not the views of any current or former employer, client or professional body with which the author is or has been associated.
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Limitation of liability
To the fullest extent permitted by law, FinoLib and its author are not liable for any loss or damage, direct or indirect, arising from your use of this site or your reliance on its content. Nothing in this disclaimer limits any liability that cannot lawfully be limited.
Questions
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