All opinions expressed on this blog are solely those of One Percent Decisions and are in no way affiliated with any other organization or institution. One Percent Decisions does not know or understand the risk profile, time horizon, or personal financial situation of other investors so any information or opinions contained on this website are not intended to constitute a specific recommendation to make an investment of any kind.

This blog is intended to share opinions and information about retirement and all things related to retirement.  It is not intended to persuade you into to making specific investments or purchasing of any insurance, annuities, or anything else you can think of. You need to evaluate your personal financial situation and make your own choices with your money based on your personal circumstances.

One Percent Decisions cannot predict the future. Everything that we write is for informational and entertainment purposes only.  Therefore, do not rely on any writings by us or any other authors that you presume to be making predictions.  We do not know what the future holds for the markets, your investments or the economy. There are far too many variables at play in the financial world for anyone (especially us) to make any predictions. Past performance is not and will not be a predictor of future results. Any historical data used on this website is done for the sole purpose of using what has happened in the past as a reference for how to view the present situation and make informed decisions about the future.

You need to be aware of the risks involved when investing in securities or insurance. Any strategies discussed here are done for the sole purpose of helping people make sense of finance and the markets. All of the investments discussed on this blog may fluctuate in value. Again, these opinions are only made available to give you information to make your own decisions.

We all have informational and emotional blind spots that affect our decisions and we all make mistakes. I make bad decisions all the time.  Just remember that you make your own decisions (good and bad). One Percent Decisions is in no way responsible for the decisions that you make. We do not pretend to have all the answers, so please educate yourself before making any financial decisions.  You know your current financial situation better than anyone.  Given the length of time blog posts can exist, please note that any specific data may be out of date at the time you are reading it.  We recommend that you seek out the qualified counsel of a financial advisor, accountant or attorney in the implementation of anything found on our site as an additional precaution.


There are many smart and interesting people writing all over the internet.  Therefore, we seek to share interesting data and opinions of others, but do not take those as a call to action either.  They are sources of information but are not an endorsement of the opinions or advice of the other sites.


There are some ads placed on the site, but these in no way constitute an endorsement by One Percent Decisions of the products being advertised.  I am not affiliated with any of these products in any way.


Thanks for reading.  Feel free send us an email at editor [at] onepercentdecisions dot com to ask a question on anything finance or investment related.