Page 9: Disclaimers and Information

This page of the QPP Contents Guide goes over Page 9 of the Portfolio Report, the main body of QPP. This page includes our disclaimer. Please read.

NOTE: Quantext is not a registered investment advisor.  No information in this document should be taken as advice to buy or sell any asset.  Any and all information obtained from Quantext is on an "AS IS" basis. Please note that the numbers/tickers used in the QPP screen shots and examples are for illustrative purposes only and are not to be taken in any way as advice.
Disclaimers and Information

IMPORTANT: The projections and other information provided by Quantext Retirement Planner (this software) regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

The underlying mathematical assumptions and methods are described in the documentation that accompanies this software. In brief, the model:

1) uses Beta to capture correlation between stocks and funds for the market as a whole

2) assumes returns on stocks and mutual funds are a random walk in time

3) assumes returns on stocks and mutual funds are normally distributed

4) ignores variations in the risk free rate of return in time

5) ignores variations in the rate of inflation in time

6) uses risk-return balancing so that risk and return have a consistent relationship

Because of changing market conditions, user assumptions, and use of different historical periods, the results of the analysis generated by the model may change materially with each use and over time.

The universe of possible investment alternatives, period of historical data used, and final assumptions about the future Beta, volatility, and average return are determined by the user. The software does not indicate the suitability of any investment alternative or combination thereof for any individual. The software is a computational tool that allows the user to examine possible future outcomes, based on his/her judgment about future market conditions and future prospects for individual investments.

The software is provided on an 'AS IS' basis and Quantext, Inc. makes no representation about the suitability of the software for specific applications and users.