Risk disclosure
Written in the same plain English as the rest of the site, because a warning nobody can read is not a warning.
Investments can lose value
The value of investments can fall as well as rise, and you may get back less than you put in. This applies to shares, mutual funds, exchange traded funds, gold and every other market linked product described on this site.
Past performance does not indicate future results. A fund, a company or a strategy that performed well over any past period may perform poorly over any future one.
Nobody can predict market movement
No person, institution or software can know what markets will do next. Every view published by AlphaVik is a reading of the evidence available at that time. It is not a forecast, not a promise, and not a statement about what will happen.
Specific risks by product
Shares. Prices can fall sharply and can remain low for years. If a company fails, shareholders are paid after lenders, employees and tax authorities, and in most failures receive nothing.
Mutual funds and ETFs. Fund values move with the investments they hold. Diversification reduces the impact of any one company failing, and does not protect against a general market fall. ETFs carry an additional risk that the market price may differ from the underlying value where trading is thin.
Debt funds. Values can fall when interest rates rise or where a borrower held by the fund defaults. They are not equivalent to a bank deposit.
Gold. Gold produces no income, can fall in value, and has historically gone through long periods of no growth.
Intraday trading and derivatives. These carry a materially higher risk of loss, including losses greater than the amount initially committed in the case of some derivative positions. SEBI studies have repeatedly found that the large majority of individual participants lose money. See futures and options.
Overseas investments. These carry currency risk in addition to market risk, and are subject to remittance limits and separate reporting duties in India.
Market and liquidity risk
In fast falling markets there may be no buyer at the price you expect. Stop loss instructions may execute far below the level set, or may not execute at all, particularly across an overnight price gap or where a stock reaches a circuit limit.
Thinly traded investments may be difficult to sell in any meaningful quantity without moving the price against yourself.
Tax risk
Tax rules change, and their effect depends on your individual circumstances. Any tax information on this site is general information about the position as we understand it at the stated date, and is not tax advice. You should confirm your own position with a qualified professional.
The nature of this service
AlphaVik provides educational content and decision support software. It is not a registered investment adviser, does not manage money, does not execute transactions, and does not provide advice tailored to your personal financial circumstances.
Nothing published here is a personal recommendation. You are responsible for every investment decision you make and for satisfying yourself that any decision is suitable for you.
Before you rely on anything here
Consider whether you have an emergency fund, whether you carry high interest debt, whether you have adequate insurance, and when you will need the money. These matter more than any individual investment view. See safety and limits.