"Your Money or Your Life" (YMYL) Notice
This website, "The Asymmetrical Education," publishes content in the "Your Money or Your Life" (YMYL) category, specifically related to finance, investing, and financial concepts. This content is subject to the highest standards of Expertise, Experience, Authoritativeness, and Trustworthiness (E-E-A-T).
The content provided herein is for **educational and informational purposes only.**
No Financial Advice
The author of this website is not a registered investment advisor, financial advisor, broker, or dealer. The information presented is the author's personal analysis and opinion, based on their experience and CFA charter, but it is not personalized financial advice.
You must not construe any information on this site as investment, financial, legal, tax, or other advice. All content is impersonal and not tailored to the investment needs of any specific person. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information on this site before making any decisions.
No Fiduciary Relationship
Your use of this site does not create a fiduciary relationship of any kind between you and the author. The author's use of the term "fiduciary" in articles is purely descriptive of a professional standard and does not constitute an offer or agreement to act in a fiduciary capacity for any reader.
Risk & Liability
- Investing in securities is speculative and involves substantial risk of loss.
- Past performance is not an indicator of future results.
- The author makes no representations as to the accuracy, completeness, or timeliness of the information on this site.
- The author will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.
GIPS-Aligned Performance & Data Disclaimer
To the extent that any content on this site discusses investment performance, strategies, or models, the following disclosures (aligned with GIPS® standards) apply:
- Backtested & Simulated Data: Any references to "model" or "simulated" performance are, by definition, backtested and hypothetical. They do not represent actual trading or performance. These simulations are provided for illustrative and educational purposes only. Hypothetical performance has inherent limitations and is not an indicator of future results.
- Use of Benchmarks: Any benchmarks or indices mentioned are for comparative purposes only. Benchmarks are unmanaged, do not incur fees, and cannot be invested in directly. The author will make a best effort to use appropriate benchmarks for any strategies discussed.
- Presentation of Returns: Unless explicitly stated otherwise, all discussions of returns, hypothetical or otherwise, are assumed to be **gross-of-fees** (i.e., before the deduction of any investment management fees, custodial fees, or trading commissions).
- Availability of Policies: This is a "publication," not a "composite." As such, there are no formal, auditable policies for valuing investments or calculating performance. All calculations are provided on a "best-efforts" educational basis.
Testimonials & Endorsements
The author does not solicit or accept testimonials. Any opinions expressed are the author's own and do not reflect the views of any employer, organization, or the CFA Institute. The author is not compensated for any opinions or recommendations (if any) provided.