The material and information contained on this Web site is provided for educational purposes only.   It may not be reproduced, in part or as a whole, passed on to other persons, or published by you.   The information is not intended as investment, tax or legal advice or an endorsement of any particular method of investing. This information does not take into account any individual’s specific investment needs or strategy, overall portfolio composition or asset allocation.  Any charts, graphs, tables, calculators, worksheets or other information are for illustration only and should not be used as a primary basis for making investment decisions, including decisions relating to an employer-sponsored retirement plan.  Before making savings and investing decisions, consider all of your assets, including, for example, equity in a home, cash value of insurance policies, IRAs, savings accounts, investments, and retirement plan assets, and consulting a financial professional.

Non-CTA Web sites, including those that offer professional services or programs, are provided for information only and are not reviewed by CTA; no endorsement is implied.

In no event shall the California Teachers Association Economic Benefits Trust, or any of its sponsors or affiliates (hereinafter “CTA EBT”), be liable for any loss or damages of any nature resulting from, arising out of or in connection with the use of, or inability to use this website or its content.

By accessing and using this website you agree to be bound by the terms set forth above.  If you do not agree to all these terms, you should not use this Web site.