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You agree that your access to, and use of, the Service and the content and tools available through the Service is in a personal capacity.
Changes to Subscriber Agreement
We may change the terms of this agreement at any time by notifying you of the change in writing or electronically (including without limitation, by email or by posting a notice that the terms have been “updated” or similar words including notification via a post on our site). The changes also will appear in this document, which you can access at any time by going to the Terms and Conditions link. You signify that you agree to be bound by such changes by using the service after changes are made to this agreement.
Neither we nor our licensors shall be liable for any errors, inaccuracies or delays in the Services or any Content or data, or for any actions taken by you in reliance thereon. You expressly agree that your use of the Services and the Content is at your sole risk.
From time to time, reference may be made on our Site to articles and opinions published by others. These references may be selective, may reference only a portion of an article or opinion, and may not be current. As markets change continuously, previously published information and data are not likely to be current and should not be relied upon.
No Recommendations or Advice
The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by One Share at a Time or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. You should consult a financial advisor regarding specific financial questions. The mere mention of any security, strategy, or idea is in no way a recommendation.
Education, Strategy, and Information Boxes
Throughout the site, there is various content. This includes, but is not limited to, articles, information boxes, and example target allocations with descriptions. We do our best to make sure this content is simple to understand, unbiased, and accurate. With that, all the content on the site is as-is and with all faults. We are not to be held responsible for any inaccuracies or errors within this content. All content is designed to be informative and is in no way a recommendation of any strategy, security, or financial product. This site is intended to be used by self-directed investors, and it is solely up to the user to decide whether or not the tools and content are suitable to be used for their particular situation, as well as how they would like to use the tools and content. It is also up to the user to determine the validity of the content and tools. The site, in its entirety, is to be used at your own sole risk.
If you find a problem with any of our content, we ask you bring it to our attention here:
Notes on Categorization and Rounding
The site includes categorization of a wide array of securities. This categorization is used to label, track, and aid in the screening of different securities available on the open market. We do our best to make sure these categories fairly represent each security, however, there are some limitations. Right now, stocks, equity ETFs, and bond ETFs are the only securities that we categorize. While other securities may trade on the open market, and you may be able to research them, we do not categorize them. This is for simplicity. Additionally, some stocks and ETFs may not be categorized even though they fall into the stock, equity ETF, or bond ETF category. This may be because they are new or not extremely popular among retail investors. If you find a security like this, email us here and we will try to quickly tag it:
The categories that each of these securities fall into are determined by a set of standards. The standards are designed to make the categories simple and narrow. For this reason, certain securities must be rounded in order to conform to our standard. An explanation of how each security is categorized is down below.
The first classification categorizes securities into three categories: US Stocks, International Stocks, and Bonds. They are categorized as follows:
US Stocks: If a security represents equity in a company that is headquartered in the US, or if an ETF is composed of a large majority of US stocks, it falls into this category.
International Stocks: If a security represents equity in a company that is headquartered internationally, or if an ETF is comprised of a large majority of international stocks, it falls into this category.
Additionally, if an ETF has significant exposure in both the US and internationally, it is marked as “Global” and can be searched that way. Adding a global ETF to your portfolio will affect both the “US Stocks” and “International Stocks” portion of your graph equally. This may not be an exact representation of how the equity is split, but it is designed to help roughly visualize how the funds are being spread out.
Bonds: If an ETF represents a package of bonds, it is classified in this category. These differ from individual stocks and equity ETFs because they represent debt. A bond ETF is the only way that the site categorizes and tracks bond exposure, and it does not track individual bonds.
In addition to the top-level classification, securities are further tagged into more specific categories. They are categorized as follows:
Further Classification of Equities
Market Capitalization: The market cap of a stock is interpreted and our software categorizes it as “Large Cap” (>$10B), “Mid Cap” ($2-10B), or “Small Cap” (<$2B). Additionally, we look at the holdings of individual ETFs and use similar classifiers. If the majority (greater than 50%) of the holdings of an ETF appear to fall into one of those categories at the time of classification, we classify it as that category. If there is no clear majority in one market cap category, it is classified as “Blend” and will affect each section of your capitalization chart equally. This equal weighting may not precisely represent the holdings of the ETF, but is intended to simply illustrate that there is diversity within.
Sector: The SIC code of a stock is interpreted by our software, benchmarked with the standard we use, and categorized into one of 9 sectors. While many companies have operations that may transcend into several sectors, but we use this standard for simplicity. The sectors are basic materials, consumer goods, services, financials, healthcare, industrial goods, utilities, technology, and conglomerates. In addition to individual stocks, we attempt to classify ETFs based on this benchmark as well. If an ETF is monitoring a specific sector or industry, we look at the holdings and attempt to classify it into the sector that best represents it. ETF providers use several different classification standards when creating these ETFs, and not all companies in the ETF may fit into one specific sector based on the standard we use, however, we try to categorize based on best fit. Additionally, if an ETF does not aim to track a specific sector or industry, it is categorized as “Blend” and will affect each section of your sector chart equally. This equal weighting does not exactly represent how equity is divided up, rather, it is intended to illustrate the fact that that particular ETF has some representation in a variety of sectors and offers more diversification than some other securities.
Valuation: The P/E ratio of a stock is interpreted by our software and categorized as either “Growth” (<0x or >20x) or “Value” (>0x and <20x). Additionally, if an ETF is designed to track certain companies based on value or growth, we try and classify it accordingly. For example, if an ETF tracks value, high dividend, or low volatility companies, it will be classified as value. Certain ETFs may track sectors or markets that are more value or growth oriented, but this classification is based solely on specific valuation-based approaches. If an ETF does not specifically focus on this, they are categorized as “Blend” and will affect both sections of your valuation chart equally. This equal weighting may not exactly track the value and growth blend of an ETF, but is designed to help illustrate that there are both types of companies within the fund.
Further Classification of Bond ETFs
Maturity: ETFs that hold bonds may target a specific duration until maturity. When they do this, we attempt to categorize the funds into 3 groups. They are “Short Term” (<5 years), “Intermediate Term” (5-10 years), and “Long Term” (>10 years). If the fund does not specifically target a certain duration to maturity, it is categorized as “Blend” and will affect all areas of your maturity chart equally. This equal weighting may not precisely represent the duration to maturity mix of all the bonds within the fund, but is designed to illustrate that there is variation.
Grade: ETFs that hold bonds may primarily target a specific grade. When they do this, we attempt to categorize them into 3 groups. They are “Government” (treasury, agency, and municipal based), “Investment” (rated BBB- or higher), and “High Yield” (rated lower than BBB-). If a fund does not emphasize a specific grade, it will be classified as “Blend” or “Government/Investment”. Those will affect all, or some portions of your grade chart equally. This equal weighting may not precisely represent how the different grades are split up within the fund, but is useful in illustrating that there are multiple grades of bonds within the fund.
Origin: ETFs typically hold either US bonds or International bonds. We divide them into these two groups based on where the vast majority of the debtors are located. If there are bonds within an ETF from the US and internationally, it is categorized as “Blend” and will affect both portions of your origin chart equally. This equal weighting may not be completely representative of the exact weighting within the ETF, but is intended to illustrate that there is global debt within.
These are the standards we use. They are designed to give users a better understanding of how their investments are diversified throughout the categories, and how their portfolio compares to the strategy they picked. It can paint a clearer picture, however, due to rounding, at this time it will not give you an exact measure of exactly how your portfolio is diversified. Understand this and use accordingly. Additionally, we are not responsible if a security is incorrectly categorized based on the standard, and if you find one that you feel is incorrectly categorized based on our standard, we ask you bring it to our attention here:
Securities that fall within the same asset class or category may experience similar swings in price as they face external market conditions. Content throughout the site describes some of the potential risks/rewards associated with the various categories that securities fall into. It is important to note that just because security is categorized a certain way does not guarantee its price will behave in a way that is in line with other securities within the same category. It also does not guarantee that a security, or even an entire category, will behave in a way that is in line with how they are described. Every investment is unique. Much of the content on the site comes from research of past performance and attempts to give general guidelines, however, anything can happen.. Past performance does NOT guarantee future results. This means that regardless of asset class, market cap, valuation, origin, sector, maturity, grade, or any other classification of a security, the investor faces risk of losing some, or all capital invested. Be sure you are clear on all risks before investing. Be sure to contact a professional if you have any questions. All investment decisions are completely up to you and you alone bear all of the risk.
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