This page sets out the important disclosures that apply to everything published on rtibk.com, together with the editorial policies our team follows. Please read it alongside our Terms of Use and Privacy Policy. By using this website, you acknowledge the limitations described below.
Regulatory status
RTIBK — Investing Brief & Knowledge — is an independent, educational publication. It is not regulated and is not authorised by any financial regulator in any jurisdiction. This is because we do not carry out regulated financial activities. Specifically, RTIBK does not:
- accept deposits or hold client money or assets;
- open accounts, execute trades or arrange transactions;
- manage investments or portfolios on behalf of anyone;
- provide personalised investment, tax, legal or financial advice;
- issue, sell, promote or distribute financial products or securities.
No regulator has reviewed or approved the content on this website. RTIBK is not a bank, broker-dealer, investment adviser, wealth manager or any other kind of financial institution, and nothing on this site should be read as suggesting otherwise.
Not investment advice
All content on RTIBK — including guides, articles, charts, tools and any other material — is provided for general information and educational purposes only. It is not investment advice, a personal recommendation, or an assessment of whether any investment or strategy is suitable for you.
Our content does not take into account your individual objectives, financial situation, tax position, knowledge, experience or risk tolerance. Before making any financial decision, you should consider your own circumstances and, where appropriate, seek advice from a qualified professional who is authorised or registered in your jurisdiction.
References to specific companies, securities, asset classes, indices or strategies are for illustration only. They are not recommendations to buy, sell or hold any investment.
No offer or solicitation
Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any security, financial instrument or service. Nothing here is an invitation or inducement to engage in investment activity. RTIBK does not accept money from readers for investment purposes and will never contact you to request funds, account credentials or personal financial information. Any such request made in our name is fraudulent; see our Investor Security Center for guidance.
No client relationship
Reading our content, using our tools or corresponding with our editors does not create a client, advisory, fiduciary or any other professional relationship between you and RTIBK. We have no clients in the financial sense, and there is no RTIBK account, portal or login. Messages you send us are treated as general reader correspondence, and we cannot respond to requests for personal investment advice.
Risk warnings
Investing involves risk. Before investing, make sure you understand the risks that apply to any product or strategy you are considering. The following warnings apply generally and are not an exhaustive list.
Capital at risk
The value of investments and any income from them can fall as well as rise. You may get back less than you invested, and in some cases you may lose your entire investment.
Past performance
Past performance is not a reliable indicator of future results. Historical averages, including long-run market returns, may not be repeated.
Leverage
Borrowing, margin and leveraged products magnify both gains and losses. Losses can exceed the amount originally invested with some products.
Currency risk
Investments denominated in foreign currencies are affected by exchange rate movements, which can reduce returns or increase losses.
Liquidity risk
Some investments cannot be sold quickly or at a fair price, particularly during periods of market stress.
Concentration and complexity
Concentrated positions and complex products, such as derivatives, carry additional risks that may not be obvious.
Other risks may include inflation, interest rate changes, credit and default risk, counterparty risk, regulatory and tax changes, and the costs and charges that reduce net returns over time. Tax treatment depends on individual circumstances and may change.
Third-party data and charts
Some pages, including our market insights page, display charts, quotes and other market information supplied by third parties, including embedded widgets provided by TradingView. Please note:
- Third-party data may be delayed, sometimes by a significant period, and may not reflect real-time prices.
- Data may contain errors or omissions, and availability may be interrupted without notice.
- RTIBK does not control, verify or guarantee the accuracy, completeness or timeliness of third-party data.
- Charts and quotes are for general information only and must not be used as the basis for trading decisions.
- Embedded widgets are subject to the terms and privacy practices of their providers.
Where our articles cite statistics or research from external sources, we aim to use reputable, primary sources, but we cannot guarantee the accuracy of information produced by others. Links to external websites are provided for convenience and do not imply endorsement.
Calculator and tool limitations
Our investment calculator and any other tools are educational illustrations. They are designed to show how variables such as contributions, time and assumed rates of return interact — not to predict outcomes.
- Results are based entirely on the assumptions you enter and simplified mathematical models.
- Real returns are not constant; they vary from year to year and can be negative.
- Calculations may not fully account for inflation, taxes, fees, charges, currency movements or changes in your circumstances.
- Outputs are hypothetical, are not guaranteed and should not be relied upon for financial planning decisions.
Editorial policy
Our editorial team decides independently what we publish. Content is researched from primary and well-established sources, reviewed before publication and updated periodically. We aim to present balanced information, including the risks and limitations of any subject we discuss. We do not publish short-term price targets, "tips" or content designed to encourage frequent trading. More about our approach is available on our About page.
Conflicts of interest policy
We take potential conflicts of interest seriously. The following rules apply to everyone involved in producing RTIBK content.
Personal holdings
Editors and writers may hold personal investments, typically in broadly diversified funds. Anyone involved in producing a piece must disclose to the managing editor any personal holding in a specific security, issuer or product that is discussed in that piece. Where a material holding exists, the individual may be removed from the assignment, or the holding will be disclosed on the page. Holdings in broadly diversified funds, such as index funds, are not generally considered a conflict unless the fund itself is the subject of the content.
No trading ahead of publication
Team members must not buy or sell any security discussed in forthcoming content from the time they become aware of the planned coverage until a reasonable period after publication. They must never use unpublished editorial information for personal gain or share it with others.
Gifts and outside interests
Team members may not accept payments, gifts, hospitality or other benefits of more than nominal value from companies or individuals that are, or may become, the subject of our coverage. Outside business interests that could reasonably be seen as influencing editorial judgment must be disclosed to the managing editor.
Advertising and affiliate disclosure
RTIBK does not accept paid placements, sponsored content presented as editorial, or payment in exchange for coverage or favorable treatment.
To support our work, we may display advertising on some pages. Advertisements are clearly labelled and visually separate from editorial content. Advertisers have no influence over our editorial decisions, and the display of an advertisement does not constitute an endorsement by RTIBK of the advertiser, its products or its regulatory status. Always carry out your own checks before dealing with any firm, including advertisers.
If we enter into affiliate or referral arrangements in the future, under which we might receive compensation when a reader clicks a link or uses a service, we will disclose this clearly on the relevant page. Such arrangements will not affect our editorial content or conclusions.
Forward-looking statements
Some content may contain statements about possible future developments in markets, economies or industries, often identified by words such as "may", "could", "expect" or "potential". Such statements reflect general views at the time of writing, involve risks and uncertainties, and are not guarantees of future outcomes. Actual results may differ materially. We do not undertake to update such statements, although we review our guides periodically.
Jurisdiction
RTIBK is published for a general international audience. Financial products, rules and tax treatment differ between countries, and content may not be applicable or appropriate in your jurisdiction. Some products or strategies discussed may not be available to you. It is your responsibility to ensure that any action you take complies with the laws and regulations that apply to you. Nothing on this website is directed at any person in a jurisdiction where its publication or availability would be unlawful.
How to check a firm's regulatory status
Before dealing with any bank, broker, adviser or investment platform, confirm that it is authorised to provide the service it is offering. Search the official registers directly, rather than relying on links or registration numbers supplied by the firm. Useful starting points include:
| Region | Where to check |
|---|---|
| United States | SEC Investment Adviser Public Disclosure (IAPD) and the SEC's EDGAR database; FINRA BrokerCheck for brokers and brokerage firms. |
| United Kingdom | FCA Financial Services Register and the FCA Warning List of unauthorised firms. |
| European Union | ESMA registers and the websites of national competent authorities in each member state. |
| Other countries | The official website of your national securities or financial services regulator. |
Use the contact details shown on the official register to confirm you are dealing with the genuine firm, since clone firms often copy legitimate names and registration numbers. Our Investor Security Center explains the warning signs in more detail.
Corrections and contact
We aim to correct errors promptly and transparently. Material corrections are noted on the affected page. If you believe any content is inaccurate, incomplete or out of date, please email the editorial team at [email protected], including the page address and a description of the issue. General questions can be sent via our contact page. We cannot provide personal financial advice in response to any enquiry.
We may update these disclosures from time to time. The version published on this page applies from the date it is posted.
Key takeaways
- RTIBK is not regulated or authorised by any financial regulator and provides no investment advice.
- Using this site creates no client relationship; we have no accounts or logins.
- Investments carry risk, including loss of capital; past performance is no guide to the future.
- Third-party chart data may be delayed, and calculator results are hypothetical.
- Editors disclose relevant holdings and never trade ahead of publication.