Financial decisions involve risk. This page sets out the main risks to keep in mind when using Ritsora AI and the limits of the figures it presents.
1. Investment risk
The value of investments can fall as well as rise, and you may get back less than you put in. Past performance is not a reliable indicator of future results. Ritsora does not guarantee any return.
2. Projections and scenarios are not predictions
Anything Ritsora labels an Estimate or a Scenario is a modelled outcome based on stated assumptions. Change an assumption and the outcome changes. These figures illustrate possibilities; they do not forecast what will happen.
3. Accuracy depends on your records
Calculated figures are only as accurate as the information you record or import. Incomplete, outdated or mistyped records will produce misleading analysis. Where information is missing, Ritsora reports it as missing rather than estimating silently.
4. Market data
Where no market data source is connected, valuations reflect the values recorded in your account as of their recorded date, not a live market price. Ritsora states which of these applies.
5. Other risks
- Inflation: future purchasing power may be lower than today's figures suggest.
- Interest rate and credit risk: borrowing costs and fixed-income values can change.
- Currency risk: cross-currency values move with exchange rates.
- Liquidity risk: some assets cannot be sold quickly at a fair price.
- Tax and regulatory change: rules differ by jurisdiction and can change.
- Personal circumstances: income, health and family events can alter any plan.
6. Your responsibility
You are responsible for your own financial decisions. Ritsora provides information, analysis and planning tools; it does not replace a qualified financial professional. Consider seeking professional advice for decisions that materially affect you.