Risk & calculation disclosure

Last updated: 27.10.2026

The content and tools provide general information. They are not personal investment advice, a return guarantee, an official pension programme or an offer to participate in a specific investment.

Market and product risk

Shares, energy investments and algorithmic strategies can lose value. Derivatives and leverage can accelerate losses. Dividends and distributions may be reduced or stopped. Shares, funds, derivatives and direct facility ownership are different products.

Calculator limitations

Savings compound monthly with month-end contributions. Annual costs are applied to the gross growth factor. The S&P 500 reference annualises the USD total return of 96.16% over the completed calendar years 2021–2025, including reinvested dividends. It is not a forecast.

The bot tool subtracts weekly costs from a fixed gross rate. A $100 weekly target is an example, not verified or expected earnings. The income tool uses dividend, tax and cost assumptions to calculate annual cash flow; its monthly result is an average. Real value is discounted by assumed USD inflation; TRY exchange rates are not predicted.

All tools simplify uncertainty. Actual results vary with return sequence, liquidity, taxes, fees, currencies and product terms. Review product documents and the provider’s authorisation before deciding.