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Stash101 is offered solely for educational and informational purposes. All statements, opinions and analyses presented within Stash101 are provided as general information. Opinions, estimates and probabilities expressed constitute the judgment of the author as of the date indicated and are subject to change without notice. Educational information is incomplete and does not include all of the information material to make a decision to invest. While Stash101 is affiliated with Stash Investments LLC (“Stash RIA”), an SEC registered investment adviser, Stash101 is not an investment adviser and is separate and apart from Stash RIA. Nothing contained herein is intended to be, nor shall it be construed as, investment advice, nor is it to be relied upon in making any investment or other decision. Stash101 is not a registered broker-dealer or registered investment adviser. Stash101 does not provide any personalized investment advice, nor does it engage in actual trading of securities. Prior to making any investment decision you are advised to consult with your broker, investment adviser, or other appropriate tax or financial professional to determine the suitability of any investment. Investment advice is only provided to Stash RIA customers for a fee. In addition, the information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. All investments are subject to risk and may lose value. Past results are not necessarily indicative of future results. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. While all the information prepared in Stash101 educational materials is believed to be accurate, Stash 101 makes no express guarantee as to the completeness or accuracy of, nor can it accept any responsibility for errors appearing in, such materials. Other events which were not taken into account may occur, and any projections, outlooks or assumptions should not be construed to be indicative of the actual events which will occur. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy discussed herein will be profitable or equal any historical performance level(s). Neither Stash101, any of its affiliates (including, without limitation, Stash RIA), nor each of their respective officers, directors, members, agents, representatives, employees, or contractors (collectively, “Stash Parties”), shall be responsible or have any liability for investment decisions based upon, or the results obtained from, the information provided by Stash101. You assume all risks of loss resulting, directly or indirectly, from the use of the information contained in Stash101 educational materials. By accepting receipt of Stash101 educational materials you acknowledge and agree to hold harmless the Stash Parties from any and all claims, actions, damages, losses, liabilities, costs and expenses of any kind whatsoever, including but not limited to any claims of negligence, arising out of, resulting from, by reason of, or in connection with the use of the information contained in such educational materials. By using this website, you accept the Stash101 Terms of Use:https://www.stash.com/stash101/termsofuse and Privacy Policy: https://www.stash.com/stash101/privacy-policy. Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers.