foluno documents – it does not advise
foluno helps you record and understand your wealth structure independently. It does not provide investment brokerage, wealth management, or individual financial, tax, or legal advice. Displays, rankings, metrics, search results, and simulations are not recommendations to buy, hold, or sell a financial instrument.
Market data is a snapshot
Prices, exchange rates, reference data, and compositions may be delayed, incomplete, or incorrect. They may refer to different trading venues, currencies, price types, or data dates. A value shown in foluno may therefore differ from an executable price, bank statement, or official report. Verify the instrument, data date, and original source before any material use.
Manual valuations remain estimates
Real estate, private holdings, collectibles, and other unlisted assets are often entered manually. Such values are personal assumptions or external estimates, not reliable market values. Liabilities, taxes, transaction costs, minority discounts, and limited liquidity can materially affect the economic net value.
Valuation dates and wealth development
foluno shows recorded valuation dates and changes in selected aggregate values. This is not automatically a time-weighted or money-weighted investment return. Contributions, withdrawals, distributions, taxes, costs, closed positions, and missing interim values may affect comparisons. Historical values are not a reliable indication of future development.
Cash flows and simulations
Displayed interest, yields, and cash flows are calculated gross values based on the assumptions entered. Actual payments may occur at different times, in different amounts, or not at all. Simulations do not change your actual wealth and may not account for taxes, fees, default risk, liquidity, or personal circumstances.
Currency conversion
Converted values provide a consistent display. The reference rate may differ from bank, card, or executable foreign-exchange rates. Spreads, fees, local trading hours, and tax conversion rules are not necessarily included.
Your control remains decisive
Review and update valuations, identifiers, currencies, and valuation dates regularly. Store exported backups securely. Before sharing reports with family, banks, tax advisers, or other third parties, verify material values and clearly identify the relevant valuation date.