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An index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results.

Neither Edelman Financial Engines, a division of Financial Engines Advisors L.L.C., nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances.

Investing strategies, such as asset allocation, diversification, or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results.

Dollar Cost Averaging does not assure a profit or protect against a loss in a declining market. For the strategy to be effective, you must continue to purchase shares in both up and down markets. As such, an investor needs to consider his/her financial ability to continuously invest through periods of low price levels.

InvestmentNews ranking and status for 2019. For independence methodology and ranking, see InvestmentNews Center

The New York Times Book Review Advice, How-To and Miscellaneous. April 16, 2017.

This recording contains a hypothetical illustration meant to demonstrate the principle of compound interest and is not representative of past or future returns of any specific investment vehicle. They do not include consideration of the investment fees or expenses, time value of money, inflation, fluctuations in principal or taxes.

Edelman Financial Engines does not recommend that its clients invest in crypto assets. Crypto assets are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC) or any other public or private insurer, including against cyber theft or theft by other means. Cryptocurrency activity is not a regulated activity in many states. The value of crypto assets can be extremely volatile and unpredictable, which can result in significant losses in a short time, including possibly a loss of total value. The price and liquidity of crypto assets has been subject to large fluctuations in the past and may be subject to large fluctuations in the future. Buying and selling crypto assets is inherently risky. The value of virtual currency may be derived from the continued willingness of market participants to exchange FIAT currency for virtual currency, which may result in the potential for permanent and total loss of a value of a particular virtual currency should the market for that virtual currency disappear.

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