Disclaimer

1. Educational Purposes Only

All tools, calculators, guides, glossary descriptions, and articles published on **InvestKit** (investkit.in) are designed solely for **educational, planning, and informational purposes**.

The outputs generated by the compounding simulators (such as monthly SIP required, retirement corpus target, or expense ratio savings) are mathematical projections based on constant growth assumptions. They do not represent real-world commitments, performance guarantees, or professional tax advice.

2. No SEBI Registration or Advisory Services

InvestKit is not a registered investment adviser, broker-dealer, or financial intermediary. The editor, founder (Hitesh Yadav), and contributors are not certified financial planners (CFP) under the Securities and Exchange Board of India (SEBI) regulations.

Nothing on this website constitutes a recommendation to buy, sell, or hold any specific mutual fund scheme, equity stock, ETF, or debt security. We do not provide personalized financial portfolio reviews. You should consult a SEBI-registered investment adviser (RIA) before making active capital commitments in the stock market.

3. Market Risks & Performance Disclosures

Mutual fund investments and equity assets are subject to market risks. Past performance of indices (like the Nifty 50 or Sensex) or specific mutual fund schemes does not guarantee equivalent future compounding. Actual returns will vary depending on macroeconomic cycles, SEBI code changes, scheme asset allocation shifts, and fund manager decisions.

4. Accuracy of Calculator Inputs & Outputs

While we strive to ensure that all financial formulas (reverse compounding, safe withdrawal projections) are programmed correctly, InvestKit does not warrant that the website or its tools will operate completely error-free. We are not liable for any financial decisions, losses, or capital shortfalls arising from calculation discrepancies or user assumptions.