Investment Risk Disclaimer

1. General Investment Risks

All investments carry risk. The value of your investments may increase or decrease, and you may lose some or all of your investment. The following are general risks associated with investments:

• Market Risk: The value of investments fluctuates based on market conditions, economic factors, and investor sentiment
• Liquidity Risk: You may not be able to quickly sell your investments at fair market value
• Inflation Risk: The purchasing power of your investment may decrease over time due to inflation
• Interest Rate Risk: Changes in interest rates can affect the value of certain investments
• Economic Risk: Economic downturns, recessions, or depressions can negatively impact investment values
• Geopolitical Risk: Political events, wars, and international tensions can affect markets

2. Precious Metals Investment Risks

Investing in precious metals, including gold, silver, platinum, and palladium, carries specific risks:

• Price Volatility: Precious metals prices can be highly volatile and may fluctuate significantly in short periods
• No Income Generation: Precious metals do not generate income such as dividends or interest
• Storage and Insurance Costs: Storing precious metals in a depository incurs ongoing fees that reduce returns
• Counterparty Risk: Your precious metals are held by a third-party depository, creating counterparty risk
• Currency Risk: Precious metals are typically priced in US dollars; currency fluctuations can affect prices
• Supply and Demand Risk: Changes in supply and demand can significantly affect precious metals prices
• Regulatory Risk: Changes in government regulations or policies regarding precious metals could affect their value or ownership

3. Gold IRA Specific Risks

Gold IRAs and self-directed IRAs carry additional risks beyond general precious metals investing:

• Custodian Risk: Your Gold IRA depends on the financial stability and integrity of your custodian. If your custodian fails or engages in fraud, your assets could be at risk
• Depository Risk: Your metals are stored with a third-party depository. If the depository fails or experiences theft, your metals could be lost
• IRS Compliance Risk: Failure to comply with IRS rules regarding Gold IRAs could result in penalties, taxes, and loss of tax-advantaged status
• Rollover Risk: Improper execution of IRA rollovers can result in tax penalties and loss of tax-deferred status
• Fee Risk: High fees and expenses can significantly reduce your returns over time
• Liquidity Risk: Selling precious metals from a Gold IRA may take time and could result in lower prices than expected
• Purity Risk: Metals must meet IRS purity requirements; metals that do not meet requirements cannot be held in an IRA

4. Company-Specific Risks

The Gold IRA companies and precious metals dealers we review carry specific risks:

• Company Failure: Any company we review could fail, go bankrupt, or cease operations
• Fraud Risk: Though rare, precious metals companies have been involved in fraud schemes
• Reputation Risk: Companies may face regulatory actions, lawsuits, or reputational damage
• Service Quality Risk: Service quality may decline over time, affecting your experience

5. Past Performance Does Not Guarantee Future Results

Historical performance data presented on our Site (such as gold price history or historical returns) is provided for informational purposes only. Past performance does not guarantee or indicate future results. Precious metals prices may not follow historical patterns, and future returns may be significantly different from historical returns.

6. No Personalized Financial Advice

The information provided on One Percent Finance is general educational information and does not constitute personalized financial, investment, legal, or tax advice. We do not know your individual financial situation, goals, risk tolerance, or time horizon. What may be appropriate for one investor may not be appropriate for another.

Before making any investment decision, you should consult with a qualified financial advisor, investment professional, or tax advisor who understands your individual circumstances and can provide personalized advice.

7. Suitability and Risk Tolerance

Gold IRAs and precious metals investments may not be suitable for all investors. Consider your:

• Age and time horizon until retirement
• Risk tolerance and ability to withstand losses
• Financial goals and objectives
• Overall financial situation and net worth
• Existing investments and portfolio allocation
• Income and employment stability
• Debt obligations and liabilities

A qualified financial advisor can help you determine whether precious metals investments are appropriate for your situation.

8. Regulatory and Legal Risks

Precious metals investments and Gold IRAs are subject to various federal and state regulations. Changes in these regulations could affect the value, taxation, or legality of your investments. The IRS has specific rules regarding which metals qualify for IRAs, and failure to comply with these rules can result in penalties and taxes.

9. Tax Risks

While Gold IRAs offer tax advantages, they are subject to complex IRS rules. Violations of these rules can result in:

• Loss of tax-deferred or tax-free growth
• Immediate taxation of account value
• 10% early withdrawal penalty (if applicable)
• Additional penalties and interest

Consult with a qualified tax professional to ensure compliance with IRS rules.

10. Information Accuracy and Completeness

While we strive to provide accurate information, we do not guarantee that all information on our Site is accurate, complete, or current. Information may become outdated, and we may not update it immediately. You should verify important information with authoritative sources before making decisions.

11. Third-Party Information

Our Site contains information from third-party sources, including company websites, news sources, and data providers. We do not guarantee the accuracy of this information. You should verify important information directly with the source before relying on it.

12. Affiliate Relationships and Conflicts of Interest

One Percent Finance is an affiliate marketing website that earns compensation from Gold IRA companies and other financial service providers. This creates potential conflicts of interest that may influence our recommendations and the prominence of certain companies on our Site. Please see our Affiliate Disclosure for more information.

13. Consult Professionals

Before making any investment decision, you should consult with qualified professionals:

• Financial Advisor: A certified financial planner (CFP) or registered investment advisor (RIA) can provide personalized investment advice
• Tax Professional: A certified public accountant (CPA) or tax attorney can advise on tax implications
• Legal Advisor: An attorney can advise on legal implications and compliance

14. Acknowledgment of Risk

By using One Percent Finance and the information provided, you acknowledge that:

• You understand the risks associated with precious metals investing and Gold IRAs
• You have consulted with appropriate professionals before making investment decisions
• You are making investment decisions based on your own research and professional advice, not solely on information from our Site
• You accept full responsibility for your investment decisions and any resulting losses

15. Contact Us

If you have questions about this Investment Risk Disclaimer or concerns about information on our Site, please contact us:

Contact: Use our contact form

© 2026 One Percent Finance. All rights reserved. This Investment Risk Disclaimer is provided for informational purposes. For specific investment advice, please consult with a qualified financial advisor.