Disclaimer & Legal

Full Disclaimer

AverageGuyPortfolio.com is an educational website documenting one person's real-money stock portfolio, started in 2016. The information presented here is provided for educational purposes only and should not be construed as financial, investment, or legal advice under any circumstances.

The portfolio owner is not a licensed financial advisor, investment professional, broker, or registered investment advisor. The portfolio is a personal investment account managed for educational demonstration purposes, not as a professional investment service.

All statements about the portfolio, investment returns, holdings, and performance are historical documentation only. Past performance is not indicative of future results. Market conditions change constantly, company prospects shift, macroeconomic factors vary, and individual investor circumstances differ significantly.

Investment Risk Disclosure

Investing in stocks and other securities carries substantial risk, including the potential loss of principal. You could lose some or all of your investment. No investment strategy is guaranteed to succeed.

Specific risks include:

• Market Risk: Stock prices fluctuate daily based on market forces. The portfolio has experienced declines exceeding 47% in a single year (2022).
• Concentration Risk: The portfolio is concentrated in technology stocks and growth sectors. A downturn in these sectors can create significant losses.
• Individual Company Risk: Any individual stock can underperform, decline in value, or become worthless. Company-specific events (earnings misses, management changes, regulatory issues) affect share prices.
• Interest Rate Risk: Rising interest rates can reduce valuations for growth stocks and technology companies, as evidenced by the 2022 downturn.
• Inflation Risk: Inflation can erode purchasing power and affect company profitability, reducing returns.
• Liquidity Risk: Some positions may be difficult to sell quickly without accepting a loss.

Data & Information Accuracy

Portfolio data is sourced from the Charles Schwab API, which provides real-time account information from the actual brokerage account. However, API data can experience delays, and there is no guarantee that the data presented on this site is perfectly accurate or up-to-date at every moment.

Do not rely on this site for time-critical financial decisions. If you need current account information, log into your brokerage account directly. Performance metrics, valuations, and holdings shown on this site may lag real-time prices by minutes to hours.

Charts, graphs, and performance calculations are based on historical data. While we endeavor to present accurate information, no warranty is made regarding the accuracy, completeness, or timeliness of any data presented.

Not Financial Advice

This site does not constitute investment advice. We do not recommend any particular investment, asset class, strategy, or action. The portfolio shown is one person's actual choices, not a prescription for what you should do.

Your appropriate investment strategy depends on your:

• Risk tolerance and ability to withstand losses
• Time horizon (when you will need the money)
• Financial goals and objectives
• Income, expenses, and other financial obligations
• Age, health, and life stage
• Tax situation and tax-loss harvesting opportunities
• Access to capital and ability to buy during downturns

Before making any investment decisions, consult with a licensed financial advisor who understands your complete financial situation. A fee-only fiduciary advisor is recommended, as they are legally obligated to act in your best interest.

No Offer or Solicitation

This site does not offer any investment products or services. We do not accept clients, manage money, or provide personalized investment advice. You cannot hire us or enter into any investment advisory relationship based on this website.

This site is informational and educational only. Any links to brokers or financial service providers are for informational purposes and do not constitute an endorsement or recommendation.

Privacy & Data Collection

Google Analytics

This site uses Google Analytics to track website traffic and user behavior. Google Analytics collects anonymized information about how visitors use the site, including pages visited, time spent on site, and device type. This data helps us understand site usage patterns and improve the site.

Google Analytics sets cookies to track visitors across sessions. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on or by adjusting your cookie settings.

Google AdSense

This site displays advertising through Google AdSense. Google AdSense may use cookies to serve ads based on your prior browsing activity across other sites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this and other sites on the internet.

You can opt out of personalized advertising by visiting Google's privacy controls.

Data We Collect

We do not collect personal information such as names, email addresses, or financial data through this website. We do not have user accounts, login systems, or email subscriptions. Any contact through the email address provided is voluntary and is not automated or required.

We do not sell, share, or distribute any personal data to third parties. The only third parties with access to site data are Google (for analytics and advertising) and Vercel (our hosting provider).

Cookies

This site may use cookies for basic functionality and analytics. Cookies are small files stored on your device that allow websites to remember preferences and track usage. You can disable cookies in your browser settings if you prefer not to accept them.

Limitation of Liability

To the maximum extent permitted by law, the creators and operators of this website are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this site, including but not limited to:

• Investment losses or poor investment returns
• Data inaccuracy or delays
• Site downtime or unavailability
• Reliance on any information presented here
• Technical errors or glitches
• Your decisions based on this site's content

You use this site entirely at your own risk.

Terms of Use

Permitted Use

This site is provided for educational purposes. You may view, read, and learn from the content. You may not:

• Republish, reproduce, or redistribute the site's content without permission
• Scrape, crawl, or automate access to the site
• Use the site for commercial purposes or to build a competing service
• Reverse-engineer the site's technology or API integrations
• Use the site to provide investment advice to others

Intellectual Property

All content on this site, including text, design, charts, and layout, is the property of AverageGuyPortfolio.com or is used with permission. The site's design is original and reflects the visual style of fintech platforms from the 2015 era (Stripe, Plaid, NerdWallet). You may not copy, modify, or use this design for your own projects without permission.

Third-Party Content

This site links to external websites, including Charles Schwab, stock tickers, and financial data providers. We are not responsible for the content, accuracy, or policies of external websites. Visiting external links is at your own risk.

Contact Information

For questions about this site, contact:

Email: averageguyportfolio@yahoo.com

Please note that due to the high volume of inquiries, responses may take time. This is a one-person operation.

Securities Law Compliance

This site does not offer securities, investment products, or regulated financial services. The site is purely informational and educational. No content should be interpreted as an offer to sell or buy any security.

The portfolio owner is not registered with the SEC, FINRA, or any financial regulatory body. The portfolio is a personal account, not a registered investment company or fund.

If you are a securities regulator and believe this site violates any laws, please contact the portfolio operator through the email address provided above.