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17 items found for ""

  • Macroctopus | Aninvestor

    Discover the power of numbers. Unravel the magic behind ratios, statements and patterns coming soon!

  • Learn | Aninvestor

    dear reader, Discover our content 1-. Discover the Animals Guide Reindeer Wise Tortoise Alternative Shark Sustainable Chameleon Number Octopus 2-. Members Community My Investing Career Templates 3-. Navigation Top Menu Home Learn Members Log In Bottom Menu Terms and Conditions Financial Disclaimer Contact 1-. Financial Freedom Introduction 2-. Organization Cash Flow Budgeting Calendar Organization Takeaways 3-. Debt Definition The Borrower The Lender Tackling Debt 4-. Insurance Definition Parameters & suggested use 1-. The Time Value of Money Present Value Future Value Compounding - the power of time Template with compounding periods 2-. Risk The Tradeoff Risk Free Return Investment Classification Income Streams ETF’s 3-. Types of Investors Passive Moderate Aggressive 4-. Fixed Income (bonds) 5-. Equity theory (stocks) How to analyze a stock Fundamental analysis Technical analysis Speculation Dividend stocks Short Selling 6-. Equity application (stocks) Filling an order Stop Loss Market order Conditional order 7-. Real Estate Rentals REITS (Real Estate Investment Trusts) Refinance 1-. It’s all about the green Understanding Sustainability The ESG Framework Goals for People, for Planet The Power of Impact Investing 2-. Environmental Considerations Climate Change Renewable Energy and Clean Technologies 3-. Social Considerations Labor and Human Rights Diversity, Equity and Compensation Safety and Protection 4-. Governance Considerations Corporate Governance and Board Structure Executive Compensation and Incentive Structures Anti-Corruption and Ethics 5-. ESG: A controversial metric Impact on Investment Performance Mandatory vs. Voluntary ESG Disclosure 6-. Real world application MSCI Ratings Incorporating ESG into our decisions Becoming an ESG Advocate To be defined soon!

  • My Investing Career US | Aninvestor

    United States of America Opening a Brokerage Account The initial st ep in starting to invest is to open a brokerage account. A brokerage firm acts as an intermediary between you (the investor), and the stock market. When you decide to buy or sell a stock, your brokerage account facilitates this transaction. The broker executes these trades on your behalf, ensuring that your purchase or sale is carried out in the stock market According to Investopedia.com (a reputable source of financial content on the web), these are the best brokers available, depending on your specific goals: Fidelity Investments TD Ameritrade Interactive Brokers Tastytrade Did you know that a decision made by Charles Schwab in 2019 to cut management fees to $0 initiated a trend among major players in the market? This move towards zero-fee trading significantly influenced other firms, leading to a widespread adoption of this practice. As a result, it is now common for investors to enjoy "free" access to these platforms $0.0 Additionally, many banks offer brokerage services. You may inquire with your preferred bank for more information What documents are required? In order to open a brokerage account, you will have to provide a number of documents to comply with financial regulations. These typically include: Government-Issued Identification: passport, driver's license, national identity card, etc. 2. Social Security Number (SSN) or Tax Identification Number (ITIN): 3. Employment Information: employment status, employer (if applicable), contact information 4. Financial information: annnual income, net worth, investment experience 5. Signed Contract with Broker Earnings in the stock market are taxed at different rates, depending on how long you hold a given security. Short term capital gains tax: Ranges from 10% to 37% depending on taxable income and filing status Long term capital gains tax: 0%, 15% or 20% depending on taxable income and filing status As you can see, the government encourages the investor to invest long term, which explains why these investments are taxed at a lower rate Congratulations! You've opened your brokerage account. Now what? After accessing your account, you will need to deposit the amount you wish to invest into your brokerage account, using the account number provided on their platform. Later, you will have the option to look up different securities including stocks, bonds, ETF on the search bar using their TICKER SYMBOL or NAME. After selecting one, you will be prompted with some questions. 1. What type of order do you wish to make? Remember When buying a stock your risk is limited, as the lowest value any stock can reach is $0. However, when shorting a stock your risk is unlimited, as the stock could theoretically increase all the way up to infinity. Thus, establishing stop losses is crucial. We advise our members to avoid shorting in the beginning of their journey. 2. How many securities do you wish to purchase? 3. Do you wish to purchase at the "market price" or set a "specific price"? Explanation "When you buy at the 'market price', your order is likely to be filled immediately. However, in this case, you do not have control over the exact price at which you are buying. The market price is subject to fluctuation, potentially leading to a final purchase price slightly different from what you initially expected. On the other hand, if you set a 'specific price' for your order, it will only be filled at that particular price. This gives you control over the price you pay. However, be aware that setting an unrealistic price may result in your order remaining unfilled. It’s important to set a price that is reasonable and reflective of the current market conditions." $ "" Tracking my investments After your order has been filled, you will often find a similar chart to this one in your brokerage account: Portfolio Value Time Period Day you opened your account Current Date $0 In this space, you will be able to monitor your investments We encourage our members to invest in the long term. Remember the power of compounding. The short term often involves unpredictable or unmotivated fluctuations and higher taxes! Remember the keys to a successful portfolio : Re search Consistency Diversification Luck ( due to the market's unpredictability )

  • Terms and Conditions | Aninvestor

    TERMS AND CONDITIONS Last updated June 23, 2023 By accessing and using this platform, you acknowledge that you have read, understood, and agree to be bound by this terms and conditions. If you do not agree with any part of this disclaimer, please refrain from using this platform for financial information purposes. AGREEMENT TO OUR LEGAL TERMS We are Aninvestor ("Company," "we," "us," "our"). We operate the website aninvestor.org (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services"). You can contact us by email at aninvestor.org@gmail.com . These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Aninvestor, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted. All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Services. If you are a minor, y ou must have your parent or guardian read and agree to these Legal Terms prior to you using the Services. We recommend that you print a copy of these Legal Terms for your records. TABLE OF CONTENTS 1. OUR SERVICES 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. USER REGISTRATION 5. PROHIBITED ACTIVITIES 6. USER GENERATED CONTRIBUTIONS 7. CONTRIBUTION LICENSE 8. THIRD-PARTY WEBSITES AND CONTENT 9. ADVERTISERS 10. SERVICES MANAGEMENT 11. PRIVACY POLICY 12. COPYRIGHT INFRINGEMENTS 13. TERM AND TERMINATION 14. MODIFICATIONS AND INTERRUPTIONS 15. GOVERNING LAW 16. DISPUTE RESOLUTION 17. CORRECTIONS 18. DISCLAIMER 19. LIMITATIONS OF LIABILITY 20. INDEMNIFICATION 21. USER DATA 22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 23. MISCELLANEOUS 24. CONTACT US 1. OUR SE RVICES The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA). 2. INTELLECTUAL PROPERTY RIGHTS Our intellectual property We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only. Your use of our Services Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES " section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services; and download or print a copy of any portion of the Content to which you have properly gained access. solely for your personal, non-commercial use or internal business purpose. Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: aninvestor.org@gmail.com . If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately. Your submissions and contributions Please review this section and the "PROHIBITED ACTIVITIES " section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services. Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute, or broadcast content and materials to us or through the Services, including but not limited to text, writings, video, audio, photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material ("Contributions"). Any Submission that is publicly posted shall also be treated as a Contribution. You understand that Contributions may be viewable by other users of the Services and possibly through third-party websites. When you post Contributions, you grant us a license (including use of your name, trademarks, and logos): By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to: use, copy, reproduce, distribute, sell, resell, publish, broadcast, retitle, store, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and exploit your Contributions (including, without limitation, your image, name, and voice) for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicense the licenses granted in this section. Our use and distribution may occur in any media formats and through any media channels. This license includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You are responsible for what you post or upload: By sending us Submissions and/or posting Contributions through any part of the Services or making Contributions accessible through the Services by linking your account through the Services to any of your social networking accounts, you: confirm that you have read and agree with our "PROHIBITED ACTIVITIES " and will not post, send, publish, upload, or transmit through the Services any Submission nor post any Contribution that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; to the extent permissible by applicable law, waive any and all moral rights to any such Submission and/or Contribution; warrant that any such Submission and/or Contributions are original to you or that you have the necessary rights and licenses to submit such Submissions and/or Contributions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions; and warrant and represent that your Submissions and/or Contributions do not constitute confidential information. You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law. We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend or disable your account and report you to the authorities. Copyright infringement We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately refer to the "COPYRIGHT INFRINGEMENTS " section below. 3. USER REPRESENTATIONS By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Services; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof). 4. USER REGISTRATION You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. 5. PROHIBITED ACTIVITIES You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Services, you agree not to: Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords. Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services. Use any information obtained from the Services in order to harass, abuse, or harm another person. Make improper use of our support services or submit false reports of abuse or misconduct. Use the Services in a manner inconsistent with any applicable laws or regulations. Engage in unauthorized framing of or linking to the Services. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. Delete the copyright or other proprietary rights notice from any Content. Attempt to impersonate another user or person or use the username of another user. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms"). Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you. Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services. Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software. Use a buying agent or purchasing agent to make purchases on the Services. Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses. Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise. 6. USER GENERATED CONTRIBUTIONS The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that: The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party. You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms. Your Contributions are not false, inaccurate, or misleading. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us). Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people. Your Contributions do not violate any applicable law, regulation, or rule. Your Contributions do not violate the privacy or publicity rights of any third party. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap. Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation. Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services. 7. CONTRIBUTION LICENSE By posting your Contributions to any part of the Services, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels. This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions. 8. THIRD-PARTY WEBSITES AND CONTENT The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. 9. ADVERTISERS We allow advertisers to display their advertisements and other information in certain areas of the Services, such as sidebar advertisements or banner advertisements. We simply provide the space to place such advertisements, and we have no other relationship with advertisers. 10. SERVICES MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services. 11. PRIVACY POLICY We care about data privacy and security. By using the Services, you agree to be bound by our Privacy Policy posted on the Services, which is incorporated into these Legal Terms. Please be advised the Services are hosted in Mexico. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in Mexico, then through your continued use of the Services, you are transferring your data to Mexico, and you expressly consent to have your data transferred to and processed in Mexico. 12. COPYRIGHT INFRINGEMENTS We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a "Notification"). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney. Logos were created with "Canva Pty Ltd". "All free photos, music and video files on Canva can be used for free for commercial and noncommercial use." (Canva Pty Ltd, 2022) https://www.canva.com/policies/free-media-license-agreement-2022-01-03/ 13. TERM AND TERMINATION These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. 14. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith. 15. GOVERNING LAW These Legal Terms shall be governed by and defined following the laws of Mexico. Aninvestor and yourself irrevocably consent that the courts of Mexico shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms. 16. DISPUTE RESOLUTION Informal Negotiations To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least __________ days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. Binding Arbitration Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the International Commercial Arbitration Court under the European Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to the Rules of this ICAC, which, as a result of referring to it, is considered as the part of this clause. The number of arbitrators shall be __________. The seat, or legal place, or arbitration shall be __________. The language of the proceedings shall be __________. The governing law of these Legal Terms shall be substantive law of __________. Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court. This Regional information notice supplements our Privacy Policy. In certain regions, you may have certain additional rights. This may include the right to request access or to update or review your information, request that it be deleted or anonymized, or object to or restrict Aninvestor using it for certain purposes. If you wish to exercise a right, please Contact Aninvestor. 17. CORRECTIONS There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice. 18. DISCLAIMER THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. 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You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms. 24. CONTACT US In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: Aninvestor __________ aninvestor.org@gmail.com

  • Guide Reindeer | Aninvestor

    Anchor 4 Dear reader, It is a p leasure to welcome you to our digital financial academ y Created for everyone JUMP TO 1. Animals 2. Members JUMP TO 3. Navigation Anchor 2 1. ANIMALS Learning is split into five distinct sections, each represented by a distinct animal. discover the material Unleash the power of our website! Suitable for both beginners and experienced users. Congratulations! animal tutorial completed! return Anchor 1 Increasing complexity Understand the basics of personal finance, empowering you to navigate more complex topics with confidence. discover the material begin learning It’s all about the green. Uncover how finance relates to the environment. Become an agent of change discover the material begin learning Unlock your tools! Learn about investment structures like equity, fixed income, real estate... and so much more. discover the material begin learning Discover the power of numbers. Unravel the magic behind ratios, statements and patterns. discover the material begin learning 2. members In this section, you will be able to find all member related content. Click on either the name or the image of the section to enter. Community: Engage in insightful discussions with fellow members, sharing thoughts and perspectives on finance-related matters. Aninvestor aims to foster a knowledgeable community capable of making strategic decisions for a prosperous future. Upon clicking, you will be asked to JOIN a group. You can JOIN as many groups as you like. Select the ones that most interest you. To share, click on “Share something”, as shown below: Customize your comment, and publish it! My investing career: Tailored and user-friendly instructions will be provided based on your region, assisting you in initiating your investing journey confidently. TUTORIAL & MAJOR UPDATE COMING SOON! Templates: Discover a collection of elegant and user-friendly templates you can download and take advantage of designed to fulfill your financial goals. To download a template, click on templates and then on the name of the template you want to download, as shown below: Congratulations! member tutorial completed! return Anchor 3 3. Navigation Top Menu : By clicking on the titles, you will be able to access the most important sections of this website including: Home: Access learning directly by clicking on the animal images as shown below: New publications Updates to the website More about this project (Impact, Team, Mission, Vision) In addition, you will be able to contact us by filling out the following forms and clicking submit as shown below: Learn: If you hover your mouse over the learn section, you will be met with the names of the animals as shown below: You can directly go to a specific animal by clicking on its name as shown below: If you decide to click the learn section, you will find all the covered material throughout the learning experience. It will be sorted by animals, and displayed by order of appearance. You will be able to access a specific topic directly from the section in no time. Members: To access this section, membership is required. Rest assured, membership is completely free and offers numerous benefits. Upon clicking, you will discover three sections that can be expanded by simply clicking on the images. Detailed explanations for each section will be provided within the members section (3). Tutorial: If you need assistance with any specific section, simply click on the "Tutorial" option. You will find concise and descriptive explanations to guide you through the content. Log In: When clicked, the Log In button will redirect you to create your account. To do this you will need: A Google Account A Facebook Account An e-mail and a password (created by you) Bottom Menu : The bottom menu offers a much more detailed breakdown of the website's sections. New important sections include: Review our Terms and Conditions Review our Financial Disclaimer Contact us through e-mail hovering, not clicking clicking Congratulations! Navigation tutorial completed! return

  • Sustainable Cameleon | Aninvestor

    In your hands, lies choice In choice, lies our future sustainability a guide to the finance behind it's all about the green module 1 Understanding Sustainability We only have one planet, one home. Resources are not infinite. To address this, society has developed the concept of “sustainability”: the practice of using resources to meet present needs without compromising the ability of future generations to do so. In the grand scheme of things, this concept is very new, in fact, it has only become popular in the last few decades because we have started to understand the consequences of centuries of unconscious practices. a brief timeline of the term "sustainability" The ESG Framework In 2004, the United Nations acknowledged the term Environmental, Social and Governance, often abbreviated as ESG. The ESG is a well-rounded framework that allows investors to assess a company's commitment to those impacted by its practices and quantity their efforts towards sustainability. (A thorough analysis will be performed later in this section) Image retrieved from the United Nations Goals for people, for the Planet The future is promising, but before we reach prosperity, we must face reality. Both our species and our home, planet Earth, face important challenges. According to the United Nations, these are the most important calls to action we must answer to: Notice how many of these goals overlap with ESG: The environment (6,7, 9, 11, 12, 13, 14, 15) Society (1, 2, 3, 4, 5, 8, 10, 12, 16) Governance (5, 8, 9, 11, 12, 13, 16, 17) The Power of Impact Investing Capital and choice grant investors the ability to exert influence over the actions of the worlds' largest companies. Why not seize this opportunity to set a new direction for our planet? The sheer magnitude of capital being manipulated in the market serves as a reflection of its potential to reshape our timeline towards prosperity. As investors we not only have an ability to do so, but a responsibility to our community and our planet. think about it... "e" stands for environment module 2 Climate Change Climate change is a natural process that our planet goes through, however “there is unequivocal evidence that Earth is warming at an unprecedented rate” (NASA). the science behind climate change The sun’s heat rays enter Earth’s atmosphere and bounce off the surface of the planet, returning to space. The cumulative liberation of greenhouse gasses, such as (carbon dioxide, methane, nitrous oxide, ozone, etc) has formed a layer in the atmosphere that absorbs and re-radiates heat into earth, preventing it from leaving, effectively increasing Earth’s temperature. Climate change made Australia’s wildfires 30% more frequent Venice, Italy is sinking by 0.2 centimeters per year. Earth’s average temperature has increased by 1.1 degrees celsius (33.98 fahrenheit) since the first industrial revolution examples of present consequences It is only natural to discover how much do industries contribute As you can see, energy production accounts for approximately 3/4ths of total emissions. In fact, coal and oil companies are the greatest polluters out there. Just the top 10 oil & coal companies have contributed 34.26 percent of global emissions. Only Water depletion Water depletion has significantly increased due to factors such as population growth, evaporation, and deforestation. However, a striking statistic from Conservation Gateway in 2018 reveals that "nearly two-thirds of all water consumption goes into producing ingredients for corporate supply chains." Unfortunately, the rate at which drinking water replenishes cannot keep pace with its usage. 3% Of Earth's water is suitable for drinking Renewable Energy and Clean Technologies As shown by the previous module, energy plays a prominent role in the grand scheme of things. Fortunately, there are alternatives like renewable energy (which is sustainable and does not pollute the environment) and low carbon sources. contributors and consequences Drinking water, agriculture, power generation, manufacturing, fashion, and chemical industries have long been identified as main contributors to water depletion. While we must take preventive measures for the future, it's important to acknowledge that these issues are already occurring. As of July 2023, more than half of Uruguay's 3.5 million citizens lacked access to tap water suitable for drinking. This pressing matter underscores the significance of water management, which has been integrated into the Environmental, Social, and Governance (ESG) framework's environmental section. sources of energy Each energy source has unique advantages and disadvantages to it. The most important ones include: solar power, wind power, hydropower, nuclear energy (yes, you read that correctly! Despite its fame, nuclear energy is the second lowest carbon energy source out there), etc. The majority of energy sources are bound by their geographical location. For instance, solar power would not be effective in places far from the equator. However, some work regardless, such as nuclear power plants. a seamless transition... Transitioning to clean energies has an elevated upfront cost. Stakeholders can encourage oil companies to transition to clean energies. Surely, there are several challenges that renewables must overcome, nevertheless, with increased funding and interest from society, change for the better awaits. as conscious investors... As environmentally conscious investors, we possess the capacity to encourage the adoption of water-friendly practices and discourage excessive consumption. By closely monitoring our utilization of natural resources, we can proactively address these challenges and invest consciously. As of 2020, 37% of the total energy production on our planet came from low carbon sources. With more and more environment conscious investors, we can push that number even higher. "s" stands for social module 3 Parameters Currently, the factors that comprise it are quite ambiguous and ambitious. Consequent to that, quantifying this factor into investment decisions has become quite challenge , according to experts. Currently there is a lot of bias towards quantifying negative social contributions rather than positive ones. This category needs a major restructure in order to become standardized. However the following are categories that can help you better understand the main factors that the social component entails and currently measures. Labor and Human Rights Social considerations with ESG try to understand and measure a business’s impact on its members, being both internal (workforce) or external (customers and politics). The S factor seeks to minimize possible risk coming from these factors. Labor and human rights laws were recognized by the United Nations in 1919 and 1948, respectively. Businesses that follow these laws thoroughly are unlikely to face legal consequences, damage to their reputation, limited access to markets and high turnover rates, among many others. Thus it is not only societies interest, but also influential stakeholders' like investors to promote a correct implementation of these laws. Safety and Protection Quality and privacy are also strong contributors to the social aspect of ESG. It is in the investors interest that companies adopt intelligent practices and policies that address these scenarios. Transparency is a key factor that investors must look for in their portfolios. Diversity, Equity and Compensation This Social subcategory encompasses three critical factors. To begin with, it is imperative to establish fair compensation that enables the workforce to maintain a high quality of life, including providing for their families, owning a home, and making occasional purchases. In addition, no differences in pay and authority must be attributed to gender, race or religious affiliation. Furthermore, it is crucial to be mindful of and address the pay gap between regular employees and executives. These factors not only promote security and stability for the workforce but also contribute to maintaining a positive public image among consumers, prospective employees, and investors. "G" stands for governance module 4 Parameters Governance in the context of ESG refers to the set of rules, practices, and processes by which a company is directed and controlled. The governance structure involves balancing the interests of a company's many stakeholders. The effectiveness of this structure directly impacts a company’s ability to achieve long-term sustainability and ethical operations. Anti-Corruption and Ethics Corruption and unethical practices can significantly undermine a company’s reputation and financial stability. The importance of transparency in operations, adherence to legal standards, and the establishment of clear ethical guidelines to prevent bribery, corruption, and other unethical behaviors are standards that company's need to monitor and uphold. Additionally, this section calls for mechanisms to report and deal with unethical practices. Executive Incentive Structures Executive incentive structures are crucial in aligning corporate goals with long-term sustainability. This involves designing compensation methods, such as bonuses and stock options, to motivate executives to prioritize environmental and social responsibilities alongside profitability. It examines how these incentives influence decision-making and risk management, promoting a culture of responsible governance. Are employees incentivized to do good? Corporate Governance and Board The governance and board aspect delves into the structure and composition of a company's board of directors. It involves ensuring board diversity and independence, which are essential for effective governance. The role of the board in overseeing the company's ESG strategy, risk management, and adherence to governance standards is central. This component also explores the specific roles of board committees in addressing governance issues like audit, risk management, and sustainability. ESG, A controversial metric module 5 Impact on investing performance Isolating ESG factors' direct impact on investment performance is challenging. Despite this, emerging data suggests a positive correlation. For instance, a study found that companies with high ESG ratings outperformed the market average by 3-5% over the past decade. Additionally, during economic downturns, ESG-focused funds have shown a 20% higher resilience compared to traditional funds. These trends indicate that while quantifying ESG's exact impact is complex, its influence on long-term investment stability and growth is evident mandatory vs voluntary disclosure Currently, disclosing ESG audits is a voluntary practice. Despite increasing pressure from stakeholders, companies retain the discretion to decide whether or not to adhere to these standards. This raises an important question: Should this compliance be merely optional? As impact investors, we possess significant leverage to steer companies towards sustainable practices. By prioritizing investments in businesses that demonstrate a commitment to ESG principles, we can send a clear message about the market's expectations. We can advocate for stricter regulatory frameworks that mandate ESG disclosures, thus, leveling the playing field and ensuring that sustainability becomes part of companies vision, rather than an optional add-on. module 6 ESG, A Real-World Application MSCI Ratings MSCI ratings provide a quantitative measure of a company's environmental, social, and governance (ESG) performance, using a scale from AAA (leader) to CCC (laggard). These ratings enable investors to objectively compare the ESG risks and practices of various companies. MSCI ratings are essential for those aiming to invest in sustainable and ethically responsible businesses. They pinpoint investment choices that align with personal values on the aspects measured by ESG. We encourage you to check the ESG ratings of your favorite companies in the official MSCI website: https://www.msci.com/our-solutions/esg-investing/esg-ratings-climate-search-tool Incorporating ESG into our decisions Incorporating ESG considerations into our decision-making processes is essential in today's rapidly evolving business landscape. By taking into account these factors, we ensure that our choices align with the planet. But beyond adhering to ethical standards, ESG metrics serve as valuable indicators of future business opportunities or potential challenges. Becoming an ESG Advocate Your voice and actions can drive change, promoting sustainable and ethical practices around our world. Start small, think big, and be a part of shaping a responsible future. Join the movement for a better tomorrow – every effort counts!

  • Aninvestor | Free Academy of Finance

    By accessing and using this website, you acknowledge and agree to be bound by our terms and conditions and our financial disclaimer . We kindly request that you read both. Aninvestor © Academy of finance To foster financial literacy through online education . . Meet The animals Guide Reindeer Wise Tortoise Alternative Shark Sustainable Chameleon Macroctopus Step-by-Step Guide Up fresh content, every week Our story My name is Daniel, a current high school senior in Mexico City, Mexico. As a student captivated by the business world, I identified an opportunity to establish an educational platform centered on our ability to make wise decisions. In the summer of 2022, I developed Aninvestor: a project that links several relevant concepts in a digestible manner for a holistic understanding of modern finance. This project began with designs on canva.com, a domain on wix.com, templates on google sheets, and the mission to empower users around the world with a continuous, organized, and high-quality learning experience. I would like to specially thank Andres Acevedo Vega, a friend and fellow high school senior, for his invaluable contributions in the form of research & collaboration, and Abel Domínguez Rish, another friend and fellow senior at our school, for his assistance with the website’s promotion. Aninvestor envisions a reality where people have access to equal opportunities and firmly believes that high-quality education, starting with financial literacy, can be the catalyst for a positive transformation toward a prosperous future. Together in the Journey, Daniel Tuero A word about choice... and finance At all times we are surrounded by choices. Some are bound to be made by destiny, while others fall into our hands. In the world we live in, long term stability and prosperity often depend on financial decisions. Fortunately, through curiosity and perseverance, we can become knowledgeable in these topics, empowering us to make wiser decisions. begin today! Select your country why become a member? high quality free content It's very simple Personalized learning experience begin your investing journey today And so much more... Community Dolphin🔒 Sign up Anchor 1 Questions, comments, suggestions? Enter Your Name Enter Your Email Message Submit Thanks for submitting! Please Feel free to reach out! Aninvestor © Up

  • My Investing Career Mexico | Aninvestor

    Mexico Abrir una cuenta El primer paso para comenzar a invertir es abrir una cuenta de broker . Una firma de brokering actúa como intermediario entre usted (el inversor) y el broker. Cua ndo decide comprar o vender una acción, esta transacción se facilita a través de su cuenta de corretaje. El broker ejecuta estas operaciones en su nombre, asegurando que su compra o venta se lleve a cabo en el mercado de valores. Los siguientes son algunos de los brokers más reconocidos en México. Cada uno ofrece un servicio diferente. Escoge o busca uno que te acerque a tus objetivos Etoro GBM Interactive Brokers ¿Qué documentos necesito? Toma en cuenta: Muchos bancos ofrecen servicios de broker. Confirmalo con tu banco de confianza. Para abrir una cuenta de broker, tendrá que proporcionar una serie de documentos para cumplir con las regulaciones financieras. Estos suelen incluir: Identificación Emitida por el Gobierno: pasaporte, licencia de conducir, tarjeta de identidad nacional, etc. Información de Empleo: estado de empleo, empleador (si corresponde), información de contacto Información Financiera: ingreso anual, patrimonio neto, experiencia de inversión Contrato Firmado con el Broker. Las ganancias en el mercado de valores se gravan a diferentes tasas, dependiendo de cuánto tiempo mantengas un determinada vehículo Impuesto sobre Ganancias de Capital a Corto Plazo: En México, las ganancias de capital a corto plazo suelen tratarse como ingreso ordinario. Esto significa que se suman al resto de tus ingresos y se gravan según las tarifas del ISR (Impuesto Sobre la Renta), que pueden variar desde aproximadamente el 1.92% hasta el 35%, dependiendo del nivel total de ingresos. Impuesto sobre Ganancias de Capital a Largo Plazo: Para las ganancias de capital a largo plazo (por ejemplo, inversiones mantenidas por más de 12 meses), la tasa impositiva puede ser diferente. Generalmente, se aplica una tasa fija que puede estar alrededor del 10% al 20%, aunque esto puede variar según las regulaciones específicas y las circunstancias de cada caso. Como puedes ver, el gobierno incentiva al inversor a invertir a largo plazo, lo que explica por qué estas inversiones se gravan a una tasa mas baja ¡Felicidades! Has abierto tu cuenta de broker. ¿Y ahora qué sigue? Después de acceder a tu cuenta, tendrás que hacer un depósito con la cantidad que deseas invertir al número de cuenta de broker (que se encuentra en su plataforma). Más tarde, tendrás la opción de buscar diferentes valores, incluyendo acciones, bonos, ETF en la barra de búsqueda utilizando su SÍMBOLO DE COTIZACIÓN o NOMBRE. Después de seleccionar uno, se te presentarán algunas preguntas. ¿Qué tipo de orden deseas realizar? Recuerda Al comprar una acción, tu riesgo es limitado, ya que el valor más bajo que cualquier acción puede alcanzar es $0. Sin embargo, al vender una acción en corto tu riesgo es ilimitado, ya que la acción podría teóricamente aumentar hasta el infinito. Por lo tanto, establecer límites de pérdida es crucial. Aconsejamos a nuestros miembros evitar las ventas en corto al principio de su trayectoria. 2. ¿Cuántas acciones-bonos-etc desea comprar? 3. ¿Deseas comprar al "precio de mercado" o establecer un "precio específico"? Explicación Cuando compras al 'precio de mercado', es probable que tu orden se complete inmediatamente. Sin embargo, en este caso, no tienes control sobre el precio exacto al que estás comprando. El precio de mercado puede fluctuar y podrías terminar pagando un precio ligeramente diferente al esperado. Por otro lado, si estableces un 'precio específico' para tu orden, solo se completará a ese precio en particular. Esto te da control sobre el precio que pagas. Sin embargo, ten en cuenta que establecer un precio poco realista puede resultar en que tu orden no se complete. Es importante establecer un precio razonable y que refleje las condiciones actuales del mercado. $ "" Monitorea mis inversiones Después de que su orden haya sido completada, encontrará un gráfico similar al siguiente en su cuenta broker Valor del portafolio Periodo de tiempo Día en el que abrió su cuenta Fecha actual $0 En este espacio, podrá monitorear sus inversiones A nuestros miembros, les recomendamos invertir en el largo plazo. Recuerde el poder del interés compuesto. En el corto plazo, existen fluctuaciones impredecibles e impuestos más altos Recuerde la clave de un portafolio exitoso : Investigación Consistencia Diversificación Suerte (el mercado es impredecible)

  • Financial Disclaimer | Aninvestor

    FINANCIAL DISCLAIMER Last updated June 23, 2023 The following disclaimer applies to all financial information provided on this platform, including but not limited to articles, analysis, recommendations, and any other material related to financial topics. Please read this disclaimer carefully before relying on any financial information provided herein. No Financial Advice: The financial information provided on this platform is for informational purposes only and should not be considered as financial advice. It is not tailored to your individual financial situation, objectives, or risk tolerance. You should consult with a qualified financial professional before making any investment decisions or taking any financial actions Accuracy of Information: While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of any financial information presented. The financial markets are dynamic and subject to rapid changes. Therefore, we recommend verifying any information with additional sources and conducting your own research before making any financial decisions. Risk Disclosure: Investing in financial markets involves inherent risks, including the risk of loss of capital. Past performance is not indicative of future results. The information provided on this platform does not take into account your individual financial situation or risk appetite. You should carefully consider your own circumstances and seek professional advice to understand the risks associated with any investment or financial decision. No Endorsement: Mention of any specific financial product, service, or company does not constitute an endorsement or recommendation. We do not endorse or promote any particular investment strategy, product, or service. Any decisions made based on information provided on this platform are solely your responsibility. Third-Party Links: This platform may contain links to third-party websites or resources. These links are provided for convenience and informational purposes only. We are not responsible for the content, accuracy, or availability of external websites, nor do we endorse any opinions, products, or services mentioned on such websites. No Liability: We shall not be held liable for any direct or indirect damages, losses, or expenses arising from the use or reliance upon the financial information provided on this platform. This includes, but is not limited to, any financial losses, lost profits, or consequential damages. Legal and Tax Considerations: The financial information provided on this platform does not constitute legal or tax advice. You should consult with qualified professionals regarding legal, tax, or accounting matters related to your financial situation. By accessing and using this platform, you acknowledge that you have read, understood, and agree to be bound by this financial disclaimer. If you do not agree with any part of this disclaimer, please refrain from using this platform .

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