Disclaimer

All content on this site – articles, guides, tools, calculators, lists, selections and member material – is provided for information and educational purposes only and is aimed at the general public.

Nothing on the site constitutes, or should be taken as, personal financial advice, investment advice, insurance advice, legal advice or tax advice within the meaning of the Swedish Financial Advice to Consumers Act (2003:862) or any other legislation.

The content does not take into account your personal financial situation, goals, time horizon or risk tolerance. Kapitalkartan does not provide individual recommendations, is not supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) and does not conduct licensed activities.

Stock, fund, ETF and PPM lists are produced with open, rule-based criteria derived from published investment principles. The same list is shown to every visitor and member. The lists are examples of how such criteria can be applied – not buy or sell recommendations and not an assessment of what suits you.

Calculators and simulations rely on simplified assumptions that you enter yourself. Results are worked examples, not forecasts or promises of outcomes.

Past performance is no guarantee of future returns. Financial instruments, shares, funds and other investments can rise as well as fall in value, and there is no guarantee that you will get back the capital invested.

All decisions about saving, investing, pensions, tax and the purchase or sale of financial instruments are made entirely at your own responsibility as a visitor or member. Kapitalkartan is not liable for financial losses or other damage arising from the use of information on the site.

We strive to keep all content accurate and up to date, but reserve the right to be wrong: calculation errors, typographical errors, delayed or incorrect third-party market data, and changes in legislation, tax rules, fees and thresholds may occur.

Always verify current figures with the responsible authority or provider – for example the Swedish Tax Agency, the Swedish Pensions Agency, Finansinspektionen or your bank – before making decisions.

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If we use affiliate links – links where we may receive compensation when you click or sign up for a service – this is clearly indicated next to the link. Such compensation does not influence our selections, which follow the open criteria described on each page. We always encourage you to review terms and fees independently with each provider.

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A Premium membership gives access to more lists, rankings and tools of the same general and educational nature as the free content. Membership never includes personal advice, monitoring of your finances or any guarantee of returns or tax outcomes.

The terms of membership are set out in the terms of use.

Content about taxes, deductions, tax returns and loans is general information about current rules. Amounts, rates and thresholds change regularly. Always check current rules with the Swedish Tax Agency or the Swedish Consumer Agency and, where needed, contact an authorised tax adviser or lawyer.

Kapitalkartan is not affiliated with, sponsored by or endorsed by Phil Town, Warren Buffett, Benjamin Graham, Peter Lynch, Ray Dalio or John C. Bogle. Their names are mentioned only to describe the published investment principles on which the lists and the analysis model are based.

The analysis model, scoring and selection criteria are Kapitalkartan's own interpretation and application of these principles – not an assessment by any of these individuals and not a statement on their behalf.