Disclaimer
The Ledger publishes general information about money. It is not financial, tax or legal advice.
Not financial advice
The content on this site is general information. It is not personalised financial, investment, tax or legal advice, and it does not take your individual circumstances into account.
We are not licensed financial advisers, and reading this site does not create an adviser-client relationship of any kind.
No recommendation
Nothing here is a recommendation to buy, sell or hold any product, security or account. Mentioning a provider, fund or account type is not an endorsement.
Accuracy
We check figures against primary sources and date every article. Money rules change — contribution limits, tax bands, interest rates — and a page that was correct last year may not be correct today. Always confirm current figures with the relevant authority or provider before acting.
Estimates and projections
Where we show projections (compound growth, retirement shortfalls, debt payoff timelines), they are illustrations based on stated assumptions. Real returns vary, inflation varies, and your circumstances will differ. A projection is not a promise.
Risk
Investing involves risk, including losing money. Past performance does not predict future returns. If you’re unsure, speak to a licensed adviser in your jurisdiction.
External links
We link to third-party sources for reference. We don’t control those sites and aren’t responsible for their content or accuracy.
Contact
Spotted an error? See Contact — corrections are welcome and get priority.