Disclaimer

Not Financial Advice

The calculators and tools provided on IndexLongRun are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice.

You should not rely on the results of these calculators to make financial decisions. Always consult with a qualified financial advisor, tax professional, or other appropriate expert before making any investment or retirement planning decisions.

No Guarantees

The projections and calculations provided by this tool are based on mathematical models and assumptions that may not reflect actual market conditions or your personal financial situation.

• Past performance does not guarantee future results.
• Market returns are inherently unpredictable.
• The assumptions used (expected return, volatility, inflation) are estimates only.
• Your actual results will differ from the projections shown.

Limitations of Monte Carlo Simulation

While Monte Carlo simulation is a powerful analytical technique, it has limitations:

• It assumes returns follow a specific distribution (log-normal), which may not perfectly match reality.
• It does not account for rare "black swan" events that fall outside normal distributions.
• It cannot predict future tax law changes, inflation shocks, or other external factors.
• It simplifies complex financial situations into a limited set of parameters.

Your Responsibility

By using this tool, you acknowledge and agree that:

• You are solely responsible for your financial decisions.
• You will not hold IndexLongRun or its creators liable for any financial losses or decisions made based on this tool.
• You understand that the results are projections, not predictions.
• You will seek professional advice for important financial decisions.

Accuracy of Information

We strive to provide accurate calculations and information, but we make no warranties or representations about the accuracy, completeness, or reliability of the content. Errors may exist in the calculations or underlying models.

Contact

If you have questions about this disclaimer or the methodology used in our calculators, you can reach us through our GitHub repository.