All opinions expressed on this blog are solely those of Penchal Gaddam and are in no way affiliated with any other organization or institution.

“I don’t know or understand the risk profile or time horizon of other investors so any information or opinions contained on this website are not intended to constitute a specific recommendation to make an investment. This blog is intended to share my opinions and not persuade you into to making specific investments. You need to do the homework yourself and make your own choices with your money based on your unique circumstances.

Past performance is not a predictor of future results. Any historical data used on this  website is done for the sole purpose of using what has happened in the past to construct a framework for how to view the present situation and make informed decisions about the future.

You need to be aware of the risks involved when investing in financial assets. Any strategies discussed here are done for the sole purpose of putting personal finance, investments, financial markets and the psychology of the market into an investor perspective.

We all have behavioral biases that affect our decisions and we all make mistakes. I make mistakes all the time. Just remember that you make your own decisions and mistakes. Investor Horizon is in no way responsible for the decisions that you make.

Do your homework after reading this blog or any piece of information that you use to make financial or life decisions. You know your current circumstances better than anyone.


I like to share interesting data and opinions of others so don’t take those as a call to action either. They are sources of information but are not an endorsement of the opinions or advice of the other sites.


There are some ads placed on the site but these in no way constitute an endorsement by Investor Horizon of the products being advertised. I am not affiliated with any of these products in any way.

Thanks for reading. Feel free to leave a comment or ask a question on anything finance or investment related.”


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