Editorial policy and disclosures
Our standard
We aim for guidance that is useful and checkable. That means:
- Official sources first. For rules and figures we rely on official sources such as the IRS, the SEC and its Investor.gov site, FINRA and SIPC, and on funds’ own prospectuses and fee tables. Rules change often, so guides say when they were last checked.
- Showing our working. Calculations show every assumption, so you can check them and use your own numbers.
- Labeling examples. Worked examples are labeled as illustrative. Return figures are assumptions, not forecasts. Historical returns are labeled as history, and past performance doesn’t predict future results.
- No picks or predictions. We explain how investments, fees, accounts and taxes work. We don’t recommend individual securities or funds or forecast markets.
- No invented experience. We don’t make up personal stories, trading results or credentials. When a guide describes the editor’s own experience, it says so.
- Tax years matter. Contribution limits, brackets and thresholds carry the tax year they apply to, and we review them each January.
How guides are written and checked
Guides are researched and drafted with the help of AI tools. Before a guide is published:
- A separate fact-check re-reads every cited official source and recalculates every example.
- A separate compliance review looks for anything that could read as personal advice, a recommendation or a prediction, and checks that the guide’s disclaimers and tax-year label are present.
Published guides are reviewed again on a regular schedule. The editor is responsible for what’s published, including its accuracy, its sources and any corrections.
We are not CPAs, and our guides have not been reviewed by a CPA or any other tax professional. Read our full disclaimer.
Tax years
Every guide that states a tax rule, limit or threshold says which tax year it applies to. When the IRS publishes the figures for a new tax year, we update the affected guides and add a note at the top saying which tax year’s rules and amounts the guide now reflects.
Updates and corrections
We update a guide when we learn that a rule, figure or explanation has changed, and we change its date only when its content has changed in a meaningful way. If you spot an error, please tell us and we’ll correct it and note the change.
To report an error, email hello [at] accel-media [dot] com with “Correction” and the page address in the subject line. Replace [at] with @ and [dot] with a period.
Commercial relationships
Invest Insights has no affiliate links, sponsored content or paid placements at the time of writing. If that changes, we will say so clearly beside the relevant link and update this page. Payment will never decide what we write without telling you.
General education only
Our guides are general education. They don’t replace a fund’s prospectus, official terms, or individual investment, tax or legal advice from a qualified professional who knows your situation. Investing involves risk, including the loss of money you invest.
Invest Insights is published by Accel Media.