Terms

This is not financial advice. ZetaInvest is a set of calculators. They replay what markets have already done and show you the arithmetic. They do not know your circumstances, they are not regulated to advise anyone, and nothing on this site is a recommendation to buy, sell or hold anything. What you do with the numbers is your decision and your responsibility.

What the tools actually do

Every figure comes from historical price and inflation series, listed with their sources under “How this works” on each tool. The arithmetic is run in your browser and the assumptions are stated on the page. Past returns are not a prediction: the sequence that produced the worst retirement on record is in the data precisely because it happened, and there is no reason the next fifty years cannot be worse.

The tools ignore tax, fees and the possibility that you change your mind, and they assume you can actually buy the index — which, under Moroccan exchange controls, usually means a fund with a foreign quota at a higher cost than the tool allows for. Where a limit matters it is stated beside the number rather than here.

Your account

An account is free, and every calculator still works without one. It exists for four things: a vote on what gets built next, the suggestion box, the questions a tool asks about your situation so that it can ask you fewer of them, and an email when a tool ships. It also remembers your country, your currency and your language, so the same answers follow you from your phone to your laptop.

Keep your password to yourself; tell us if you think somebody else has it. Setting a new password signs out every other session, which is the fastest way to remove someone.

One account per person. An account made to vote more than once may be removed, along with its votes.

Suggestions you send

If you suggest a tool, we may build it, quote it, or publish it in a summary of what people asked for. Do not send anything confidential through a suggestion box.

What you should not do

Do not attack the site, scrape it in a way that degrades it for anyone else, or use it to break the law. That is the whole list.

Who runs this

One person, not a company. Every calculator on this site is free, and that is not going to change. The only thing here that involves money is an optional tip, and a tip is not a tool.

There is a “buy us a coffee” button. It is a gift and not a purchase: it buys no feature, no account, and no support, and every tool works exactly the same whether you use it or not. The payment is handled by Stripe on their own pages — no card details are entered on this site or seen by it. Changed your mind? Write and the money goes back.

Availability

This is a free site run by one person. It may be down, it may change, and a tool may be withdrawn. Nothing here is promised to keep working, and no fee is charged for it.

Liability

To the extent the law allows, we are not liable for losses arising from decisions you make after using this site. Nothing here limits liability that cannot lawfully be limited.

Changes

These terms may change. If a change affects you materially you will be told before it takes effect. The date at the top is always the date of the version you are reading.