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  1. The content appearing on the 401ktrend.com web site, including market trend signals, historical performance, commentary, and references, are provided as an educational tool.
  2. The system is “new” and does not have an  accumulated history of actual, “live” indicator changes and performance.  As a result, this system is currently in an experimental, “proof of concept” state or “testing phase” and will be for the next several years.  As with any experimental system, the risk of failure is high and some failures should be expected.
  3. The information, content, and communications from 401ktrend.com are not financial advice, investment advice, or any other advice.
  4. The content of this site is not to be relied upon in making any decision – investing or other. The 401ktrend.com web site, its content, and 401ktrend.com communications are not to be considered as a directive to enter or exit positions, exchange in or out of securities, or complete any financial transaction.
  5. It is your responsibility to consult a licensed investment advisor, 401k provider, or other financial professional and complete your own research and due diligence before making any investing decision.
  6. 401ktrend.com does not recommend any mutual fund, stock, ETF, or other security. The decision to invest in or trade any security is at your discretion. Historical performance for select ETF’s, indexes, stocks, and mutual funds is provided for educational purposes. Past performance is not a guarantee of future results.
  7. Large market fluctuations can & will happen at any time, including periods when 401ktrend.com indicator suggestions will result in losses and/or failure to realize gains. The result can be total loss of amount invested.
  8. As is common with most forms of market analysis, a percentage of 401ktrend.com market trend indicator suggestions will “fail”. Such failed suggestions will result in losses or failure to realize gains with any/all mutual funds, ETF’s, stocks, and other securities. Your investment approach and personal situation must be prepared for losses.
  9. 401ktrend.com trend suggestions represent overall equity market trends and are NOT suitable for investing in many mutual funds, ETF’s, stocks, commodities, and other securities. Many mutual funds, ETF’s, stocks, and other securities will move in the opposite direction of market trends suggested by 401ktrend.com, resulting in losses that outweigh any gains. It is up to you complete analysis & testing and decide whether any investment is appropriate.
  10. 401ktrend.com is not an investment adviser, broker, or other financial advisor of any kind, and is not registered or licensed as a financial/investment advisor of any kind. 401ktrend.com does not recommend that its readers, subscribers, or anybody else enter positions, exchange into/from funds, or complete any financial transaction based on the information on the 401ktrend.com website or any associated communications.
  11. 401ktrend.com encourages all readers, subscribers, and anyone else to carefully understand all mutual fund exchange restrictions, redemption fees, penalties, short-term trader restrictions, broker commissions, SEC fees, dividend implications, and other policies/charges involved in investing. 401ktrend.com information and communications are not intended to recommend that any short-term trading policy, exchange restrictions, or any other policy be broken.  Your 401k provider, 403b administrator, or other retirement plan provider may temporarily classify you as a market timer or frequent trader and restrict your mutual fund trading capability if their policies are not followed.
  12. No warranty is provided for the accuracy, completeness, compatibility, and suitability of data on historical performance, signal suggestions, commentary, and all other information on this web site and communications from 401ktrend.com. The web site and communications from 401ktrend.com may contain incorrect data, typographical errors, and other inaccuracies.  Historical performance presented on 401ktrend.com is calculated using data that is known to contain errors, and errors in calculations will result at times.
  13. 401ktrend.com content and communications are not intended to impact the value of any mutual fund, stock, or other equity.
  14. Web pages, e-mail, computer systems, networks, and all forms of electronic communication are subject to disruption due to disasters (natural and man-made), viruses, system failures, power outages, telecommunication outages, maintenance, human error, and other sources of down-time. Such disruption may prevent accurate and timely communication of information from 401ktrend.com. 401ktrend.com, Stacey Hanton, Michael Hanton, our officers, directors, or employees are NOT responsible for losses or failure to realize gains from this or any other service disruption.
  15. 401ktrend.com, Stacey Hanton, Michael Hanton, our officers, directors, and employees are not responsible or liable for any investment action or other action taken from the information and data provided.
  16. 401ktrend.com has the right to terminate any subscriber access and subscriptions without advanced notice. Any subscription fees for that subscriber will be returned on a pro-rated basis.
  17. By accessing the 401ktrend.com web-site the user agrees not to republish the information in any way and agrees not to use the information for commercial purposes without express written consent from the publisher. 

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By registering you will receive notification via e-mail to check the 401ktrend.com site when:

1.  Market trend indicator changes occur,
2.  Market trend indicator advanced warning comments are posted, or
3.  Major new features are added to the web site.

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