Important Information: This website is for educational purposes only and does not constitute financial advice. All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. All returns are based on historical backtesting using actual fund prices. Performance is calculated on a bid-to-bid basis, excluding sales charges. Returns are net of annual fund management charges. Portfolio values fluctuate with market conditions. Investors should consider their risk tolerance and investment horizon before making any investment decisions. Please conduct your own due diligence and consult a licensed Financial Consultant.