Disclosure

Detailed Disclaimer

The information, data, analyses and opinions (“Information”) contained on our website (imecapital.in) (1) include Simplicity Investing India Pvt Ltd confidential and proprietary information (2) may not be copied or redistributed,(3) do not constitute investment advice (4) are provided solely for information purposes (5) are not warranted to be complete, accurate or timely and (6) are drawn from fund data published on various dates. Nothing on our Website should be construed as being personalised financial, investment or professional advice, or shall be deemed to constitute the offer or provision of such advice. All such information is provided solely for reference purposes. The information provided to you is at your own risk. Simplicity Investing India Pvt Ltd is not responsible for any investment decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments can go up or down.

While we endeavour to ensure that all content on the Website is correct, we cannot guarantee this, as we rely upon data generated by third parties. Accordingly, we cannot make any representations as to the accuracy, timeliness, suitability or completeness of any information prepared by any unaffiliated third party, whether linked to or incorporated herein.

All information, statements, opinions, statistics, products, services and materials contained, provided and posted on the Website are contained, provided and posted on an “as is” basis. The Users must exercise due caution and must verify any and all information sought to be relied upon and/or seek independent professional advice before the Users enter into any commercial or business relationship or transaction with any person or entity, and /or any other party or makes any investment or enter into any financial obligation based solely on any information, statement or opinion which is contained, provided, posted or expressed on the Website. The Users of the Website expressly understand and agree that it is their sole responsibility to authenticate, verify and evaluate or take professional advice on the accuracy and completeness of all information, statements, opinions and other materials contained, provided, posted or expressed on this Website or any website with which it is linked.

The Website contains information, statements, opinions, statistics, products, services and materials that have been obtained from sources believed to be reliable and an effort has been made to provide accurate information, however Simplicity Investing India Pvt Ltd make no guarantees whatsoever regarding the timeliness, completeness, accuracy, adequacy, fullness, functionality or reliability of the information, statements, opinions, products, services and materials contained, provided and posted on any section of the Website or of the results obtained from the use of such information, statements, opinions, products, services and materials and make no warranties of any kind and nature whatsoever either express or implied, including but not limited to warranties regarding the accuracy, performance, merchantability and/or fitness for a particular purpose of the information, statements, opinions, products, services and materials contained, provided and posted on the Website or of the results obtained from the use of such information, statements, opinions, products, services and materials.

The review & ratings of investment products on our website, are based on our internal research team’s subjective analysis and research into these investment products. This research and analysis is based on information that is available in the public domain, which may be accompanied by discussions with certain investment managers of such products. Our analysis and reviews are on a ‘best-effort’ basis, and while all due-care is taken to ensure the accuracy of the information that forms the basis of our reviews & ratings, Simplicity Investing India Pvt Ltd make no guarantees whatsoever regarding the timeliness, completeness, accuracy, adequacy, fullness, functionality or reliability of the information, statements and opinions that has been used to arrive at our reviews & ratings.

The review & ratings of investment products on our website, are solely the opinions & views of our internal research team. These ratings are evolving in nature, and will change as market conditions & other factors that drive these ratings evolve over time. The ratings are our internal views and the providers of these products & other advisers may have views that can differ materially from those provided by Simplicity Investing India Pvt Ltd. The Users must exercise due caution and must verify any and all information sought to be relied upon and/or seek independent professional advice before the Users enter into any commercial or business relationship or transaction with any person or entity, and /or any other party or makes any investment or enter into any financial obligation based solely on any information, statement or opinion which is contained, provided, posted or expressed on the Website.

Past performance may not be indicative of future results. Therefore, You should not assume that future performance of any specific investment or investment strategy (including those recommended by Simplicity Investing India Pvt Ltd), will be profitable, equal any historical performance level(s), or be suitable for your portfolio or individual situation, or prove successful.

Detailed Disclosure

Risks

Any investment program may be volatile and can involve the loss of principal. Global investing can involve additional risks, such as the risk of currency fluctuations. No assurances can be made regarding the accuracy of any future prediction. Past performance is no guarantee of future returns. Not all past predictions were as accurate as those represented in the content of this website.

Investing involves risk, including loss of principal. Risks may include market risk, interest‑rate risk, currency risk, equity volatility, emerging‑market risk, and risks associated with active management. Past performance does not guarantee future results. While the following list is not exhaustive, we provide some examples of such risk in the following paragraphs, and we believe it is important that our clients review and consider each prior to investing.

• Active Portfolio Management: A portfolio that employs active management strategies may, at times, outperform or underperform various benchmarks or other strategies. In an effort to meet or surpass these benchmarks, active portfolio management may require more frequent trading or “turnover.” This may result in shorter holding periods, higher transactional costs and/or taxable events generally borne by the client, thereby potentially reducing or negating certain benefits of active asset management.
• Charting and Technical Analyses: The risk of investing based on technical analyses and their supporting charts is that these analyses may not consistently predict a future price movement and the current price of a security may reflect all known information. Further, a particular change in the market price of a security may follow a random pattern and may not be as predictable as desired. This may occur due to analyst bias or misinterpretation, a sector analysis error, late recognition of a trend, etc.
• Company Risk: When investing in securities, such as stocks, there is always a certain level of company or industry-specific risk that is inherent in each company or issuer. There is the risk that the company will perform poorly or have its value reduced based on factors specific to the company or its industry. This is also referred to as unsystematic risk and can be reduced or mitigated through diversification.
• Core + Satellite Strategies: Strategies involving Core + Satellite investing may have the potential to be affected by “active risk” (or “tracking error risk”), which might be defined as a deviation from a stated benchmark. Since the core portfolio attempts to closely replicate a stated benchmark, the source of the tracking error or deviation may come from a satellite portfolio or position, or from a “sample” or “optimized” index fund or ETF that may not as closely align the stated benchmark.
• Currency Risk: The risk of loss from fluctuating foreign exchange rates when a portfolio has exposure to foreign currency or in foreign currency traded investments is known as currency risk.
• Cyclical Analysis Risks: Cyclical analysis (form of technical analysis) may experience risk due to an economic cycle that may not be as predictable as projected; many fluctuations may occur between long-term expansions and contractions. The length of an economic cycle may be difficult to predict with accuracy and, therefore, the risk of cyclical analyses is the difficulty in predicting economic trends. Consequently, the changing value of securities is affected.
• Equity (Stock) Risk: Common stocks are susceptible to general stock market fluctuations and to volatile increases or decreases in value as market confidence in and perceptions of their issuers change. If an investor held common stock or common stock equivalents of any given issuer, they may be exposed to greater risk than if they held preferred stocks and debt obligations of the issuer. Preferred stocks can be affected by interest rate and liquidity risks (described in adjacent paragraphs). Also note that their dividend payment is not guaranteed; some are subject to a call provision, meaning the issuer can redeem its preferred shares on demand, and usually when interest rates have fallen.
• Emerging Markets Securities Risks: Investments in emerging markets securities are considered speculative and subject to heightened risks in addition to the general risks of investing in foreign securities. Unlike more established markets, emerging markets may have governments that are less stable, markets that are less liquid, and economies that are less developed. In addition, the securities markets of emerging market countries may consist of companies with smaller market capitalizations and may suffer periods of relative illiquidity; significant price volatility; restrictions on foreign investment; and possible restrictions on repatriation of investment income and capital. Furthermore, foreign investors may be required to register the proceeds of sales, and future economic or political crises could lead to price controls, forced mergers, expropriation or confiscatory taxation, seizure, nationalization, or creation of government monopolies.
• Failure to Implement: Each financial planning client is free to accept or reject any or all recommendations made by our firm. While no advisory firm can guarantee future performance, no plan can succeed if it is not implemented. Clients who choose not to take the steps recommended in their financial plan may face an increased risk that their stated goals and objectives will not be achieved.
• Financial Sector Risk: Performance of companies in the financial sector may be adversely impacted by many factors, including, among others, government regulations, economic conditions, credit rating downgrades, changes in interest rates, and decreased liquidity in credit markets. The impact of more stringent capital requirements, recent or future regulation of any individual financial company, or recent or future regulation of the financial sector cannot be predicted. In recent years, cyber-attacks and technology malfunctions have become increasingly frequent in this sector and have caused significant losses to companies in this sector, which may negatively impact an account.
• Fixed Income Risks Various forms of fixed income instruments, such as bonds, money market or bond funds may be affected by various forms of risk, including:
  • Credit Risk - The potential risk that an issuer would be unable to pay scheduled interest or repay principal at maturity, sometimes referred to as “default risk.” Credit risk may also occur when an issuer’s ability to make payments of principal and interest when due is interrupted. This may result in a negative impact on all forms of debt instruments, as well as funds or ETF share values that hold these issues. Bondholders are creditors of an issuer and have priority to assets before equity holders (e.g., stockholders) when receiving a payout from liquidation or restructuring. When defaults occur due to bankruptcy, the type of bond held will determine seniority of payment.
  • Interest Rate Risk - The risk that the value of the fixed income holding will decrease because of an increase in interest rates.
  • Reinvestment Risk - With declining interest rates, investors may have to reinvest interest income or principal at a lower rate.
• Foreign Securities Risk Investments in securities of foreign company
• Fundamental Analysis: The challenge involving fundamental analyses is that information obtained may be incorrect; the analysis may not provide an accurate estimate of earnings, which may be the basis for a security’s value. If a security’s price adjusts rapidly to new information, a fundamental analysis may result in unfavourable performance.
• Inflation Risk Also called purchasing power risk, is the chance that the cash flows from an investment will not be worth as much in the future because of changes in purchasing power due to inflation.
• Liquidity Risk Liquidity risk is the inability to readily buy or sell an investment for a price close to the true underlying value of the asset due to a lack of buyers or sellers. While certain types of fixed income are generally liquid (e.g., bonds), there are risks which may occur such as when an issue trading in any given period does not readily support buys and sells at an efficient price. Conversely, when trading volume is high, there is also a risk of not being able to purchase a particular issue at the desired price.
• Market Risk: This is also called systematic risk. In cases where markets are under extreme duress, many securities lose their ability to provide diversification benefits.
• Mutual Fund and ETF Risks: The risk of owning opened-and-closed ended mutual funds and ETFs reflect their underlying securities (e.g., stocks, bonds, derivatives, etc.). These forms of securities typically carry additional expenses based on their share of operating expenses and certain brokerage fees, which may result in the potential duplication of certain fees. Certain ETFs and indexed funds have the potential to be affected by “active risk;” a deviation from its stated index (e.g., S&P 500).
• Research Data: When research and analyses are based on commercially available software, rating services, general market and financial information, or due diligence reviews, a firm is relying on the accuracy and validity of the information or capabilities provided by selected vendors, rating services, market data, and the issuers themselves. While our firm makes every effort to determine the accuracy of the information received, we cannot predict the outcome of events or actions taken or not taken, or the validity of all information researched or provided which may or may not affect the advice on or investment management of an account.
• Sequence of Return Risk: The risk of receiving lower or negative returns early in a period when withdrawals are made from an individual’s underlying investments.
• Value Investing: A portfolio employing a value-based investing strategy could be adversely affected by inaccurate or flawed financial information or statements. For example, a company may have accidently (or fraudulently) erred while entering data into its financial statements, or inadequately defines its earnings, resulting in a faulty valuation of its stock. Other examples might involve a “value manager” overpaying for a holding or missing the timing of a buy or sell of a position, making it a less valuable aspect of the portfolio.
• Digital Asset Risk: Digital assets, including cryptocurrencies and tokenized securities, may experience extreme price volatility, liquidity constraints, regulatory uncertainty, cybersecurity vulnerabilities, and technology failures. Digital asset markets operate differently from traditional securities markets and may be subject to limited oversight, trading interruptions, or fraud. Custody of digital assets may involve additional risks, including loss of access keys or failure of third‑party custodians. Clients should consider these risks carefully before investing in or holding digital assets.
• Third‑Party Outsourcing Risk: We rely on certain third‑party service providers for technology, data, research, and operational support. Outsourcing these functions may expose clients to risks such as service interruptions, data errors, cybersecurity incidents, operational failures, or delays caused by external vendors. While we conduct due diligence and monitor our service providers, we cannot guarantee their performance or the accuracy of information they supply. Any failure by a third‑party provider may impact the services we deliver to clients.
• Cybersecurity risk: which is the risk related to unauthorized access to the systems and networks of Simplicity Investing Global and its service providers. The computer systems, networks and devices used by the firm and service providers to us and our clients to carry out routine business operations employ a variety of protections designed to prevent damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltration by unauthorized persons and security breaches. Despite the various protections utilized, systems, networks or devices potentially can be breached. A client could be negatively impacted as a result of a cybersecurity breach.

Clients are advised that they should only commit assets for management that can be invested for the long-term, that volatility from investing can occur, and that all investing is subject to risk. Simplicity Investing Global does not guarantee the future performance of a client’s portfolio, as investing in securities involves the risk of loss that clients should be prepared to bear.

Simplicity Investing Global ADV

Access more information about our qualifications and business practices in the Simplicity Investing Global ADV