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Risk notice

Last updated November 11, 2026

Please read this before you use Below.

You can lose money

All investments in the stock market can fall in value. You can lose a large part of what you invest.

Leverage multiplies losses

At 2x a 20% market fall becomes roughly a 40% loss; at 3x roughly 60%. Borrowing costs reduce returns. With margin accounts your broker can sell your positions if your account falls too far, locking in losses.

Backtests are not results

The performance shown is a simulation of rules on past data. It was not achieved by real trading. Real results differ because of costs, slippage, taxes, timing and changes in how markets behave. A strategy that worked in the past can stop working.

Concentration

The model portfolio can hold only a few funds or be fully invested in US stocks. It is not diversified across all asset classes.

Automation

If you use the Below bot, orders are placed automatically. Technical problems at your device, your broker, your internet connection or our server can lead to missed, late or wrong trades. Check your account regularly.

Currency

Most holdings are priced in US dollars. If your money is in euros, exchange rate moves add gains or losses.