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Disclaimer

Last updated: 12.08.2026

Notice: Data analysis and content on RoastMyPortfolio.com are generated by artificial intelligence for educational and entertainment purposes only. This automated analysis does not constitute professional financial advice. Verify all information independently before making investment decisions.

What This Is (And Isn't)

Let's be crystal clear:

  • RoastMyPortfolio is NOT a financial advisor, investment advisor, broker-dealer, or registered investment advisor (RIA)
  • We are NOT regulated by BaFin (Germany), SEC (USA), FCA (UK), or any financial regulatory authority
  • Our analysis is NOT personalized investment advice, recommendations, or guidance
  • We do NOT recommend buying, selling, or holding any specific securities

What we do provide, as an educational technology service:

  • Portfolio structure analysis: concentration risk, correlation patterns, and diversification issues
  • Educational commentary: explanations of financial concepts like fees, behavioral biases, and market principles
  • Entertainment: our "roast" format is designed to be engaging and memorable, using sharp language and wit

Our output is retrospective analysis, not forward-looking advice.

Investment Risks

All investments carry risk. You can lose some or all of your invested capital. Past performance does not guarantee future results.

Risk factors include but are not limited to:

  • Market Risk: Prices fluctuate based on economic conditions
  • Concentration Risk: Over-allocation to single assets or sectors
  • Liquidity Risk: Inability to sell assets quickly
  • Currency Risk: Exchange rate fluctuations (for foreign investments)
  • Inflation Risk: Erosion of purchasing power
  • Political/Regulatory Risk: Changes in laws or policies

You are solely responsible for evaluating these risks and making informed decisions. Any statements about future market conditions, trends, or outcomes are speculative and should not be relied upon — market conditions, regulations, and economic factors are unpredictable.

AI-Generated Analysis

Our portfolio roasts are generated using Large Language Models (LLMs) from Grok and Gemini.

Limitations of AI:

  • AI can make factual errors or "hallucinate" information
  • Analysis is based solely on the portfolio data you provide
  • AI does not consider your personal financial situation, goals, or risk tolerance
  • AI cannot predict future market conditions or asset performance
  • AI analysis should not replace professional financial advice

Always verify information independently and consult human experts. We don't endorse specific investment products, funds, or strategies, and aren't affiliated with any asset managers or financial institutions our analysis may reference.

Regulatory Compliance (BaFin)

In compliance with German financial regulation (BaFin):

  • We do NOT provide specific buy/sell recommendations for individual securities
  • Our analysis is purely retrospective (looking at past portfolio composition)
  • We do NOT manage client assets or execute trades
  • We are classified as an informational/educational service, not investment advice

EU Residents: This service complies with MiFID II requirements by clearly distinguishing between information and advice.

Your Responsibility

The service is provided "AS IS" — we make no guarantees of accuracy, completeness, timeliness, or financial results from following any principle mentioned.

YOU are responsible for:

  • All investment decisions and their consequences
  • Conducting your own due diligence and research
  • Understanding your risk tolerance and financial goals
  • Consulting a licensed financial, tax, or legal advisor before making decisions — only licensed professionals can advise on your specific situation
  • Complying with tax laws and regulations in your jurisdiction
  • Verifying all information independently

Newsletter & CFTC Data

Our COT (Commitments of Traders) newsletter analyzes publicly available data from the U.S. Commodity Futures Trading Commission (CFTC). Please be aware of the following:

  • CFTC data reflects trader positions as of Tuesday and is published on Friday — it is inherently delayed and may not reflect current market conditions
  • Chart signals and labels (e.g., BULLISH, BEARISH, NEUTRAL) are analytical indicators based on historical positioning data — they are NOT buy/sell recommendations or trading signals
  • Newsletter content is generated using automated analysis and editorial commentary — the same AI limitations and disclaimers described above apply
  • We are not affiliated with or endorsed by the CFTC
  • Past positioning patterns do not predict future market movements

Liability, Updates & Contact

We are not liable for any financial losses or damages resulting from use of our analysis. For complete liability terms, see our Terms of Service.

This disclaimer may be updated periodically; the "Last updated" date above reflects the most recent changes. Your continued use of the service constitutes acceptance of the current disclaimer.

Questions? See our Imprint for full contact information.

By using RoastMyPortfolio or subscribing to our newsletter, you acknowledge and accept this disclaimer.