Important: All Lifolio content is provided for educational and informational purposes only. It is not investment, financial, or tax advice.

1. Past and future performance

All backtest results and metrics provided by Lifolio, including CAGR, MDD, and Sharpe ratio, are simulations based on historical data. Past performance does not guarantee or predict future returns, and actual investment results may differ materially from a simulation.

2. Investment risks

All investing involves risks, including:

Loss of principal — You may lose some or all of the amount invested.
Market risk — Asset values can change due to economic cycles, interest rates, geopolitical events, and other market factors.
Currency risk — Exchange-rate movements can change the realized return on foreign ETFs.
Liquidity risk — You may not be able to sell an asset at the desired time or price.
Concentration risk — Focusing on a particular asset, sector, or country can amplify losses.

3. No investment advice

Lifolio is not a financial investment business or a registered investment adviser. Nothing in this service is a recommendation or solicitation to invest. Consult a qualified financial professional before making an investment decision.

4. Data accuracy

Lifolio works to provide accurate data but does not guarantee completeness, accuracy, or timeliness. Provider errors, reporting delays, corrections, missing observations, delisted assets, or omitted distributions can affect results. Check the disclosed data window and original source with each result.

5. The 4% rule and FIRE simulations

The 4% rule used in the FIRE calculator is based on historical U.S. stock and bond data. Results may differ in other markets or market environments, and personal factors such as lifespan, inflation, and healthcare costs can materially affect outcomes.

6. Taxes

Taxes on ETF returns depend on individual circumstances, account type, holding period, and applicable law. The service may not fully reflect tax effects and does not provide tax advice.

7. Limitation of liability

To the extent permitted by applicable law, Lifolio and its operators are not liable for losses arising from use of the Service, investment decisions, data errors, or interruption. This does not exclude liability that cannot legally be limited or excluded.