Editorial Policy & Standards

RiskStock publishes financial educational content. Because our readers make real money decisions based on what we write, we take editorial standards seriously. This page documents how we source, fact-check, publish, disclose, and correct our content.

Who writes our content

Every article on RiskStock is attributed to a named human author. We do not publish anonymous “RiskStock Team” content or generic byline-less articles. Our writers are:

• Elizabeta Dimoska — Co-Founder & Writer. Focus: ETFs, long-term investing, tax-advantaged accounts (TFSA, Roth IRA), personal finance.
• Rubin Dimoski — Co-Founder & Analyst. Focus: macro, monetary policy, interest rates, commodities, forex. Active in markets since 1996.

We are not licensed financial advisors

RiskStock is an educational publication. Nothing we write is personal financial advice. We do not know your tax situation, your risk tolerance, your time horizon, your country, or your full financial picture — and we cannot give advice that accounts for any of those. For personalized advice, talk to a licensed financial advisor, a fee-only CFP, or a qualified tax professional.

Sources: primary over secondary, always

When we cite a statistic, a rate, a study, or a fact, we link directly to the primary source whenever possible. Examples of primary sources we regularly link:

• Federal Reserve (FOMC statements, G.19 consumer credit)
• Federal Reserve Economic Data (FRED) for rates, yields, and mortgage averages
• U.S. Bureau of Labor Statistics (BLS) for CPI, jobs reports, PPI
• U.S. Census Bureau for retail sales, housing starts
• SEC EDGAR for company filings (10-Ks, 10-Qs, 8-Ks)
• Statistics Canada for Canadian economic data
• Canada Revenue Agency / IRS for tax law
• Fund prospectuses for ETF facts (expense ratios, holdings, yields)
• Peer-reviewed research and reputable firm studies (Vanguard, Morningstar, Fidelity) when we cite historical backtests

We avoid citing other financial blogs as a source for facts. If another blog has a good explanation, we link it as further reading — but the underlying fact comes from the primary source.

Fact-checking process

Before an article is published:

1. Every numerical claim is checked against the cited primary source on the date of publication.
2. Tax rules, contribution limits, and tax-year-specific numbers are re-checked against the current CRA / IRS publication.
3. Rate data (Fed funds, mortgage, 10Y Treasury) is stamped with the date it was valid.
4. Historical backtests are verified against the original research or re-run using our own data.

Updates & the datePublished / dateModified tags

Each article carries two timestamps in its structured data: datePublished (when it first went live) and dateModified (when we last meaningfully edited it). Minor typo fixes do not bump the modified date. Substantive factual updates — new data, changed tax law, a revised conclusion — do.

Corrections policy

If we publish a factual error, we want to know. When an error is brought to our attention:

1. We verify the correction against the primary source.
2. We fix the text and bump the dateModified.
3. For material errors that could have changed a reader’s understanding, we add a visible Correction note at the top or bottom of the article, dated, describing what was wrong and what was changed.
4. We do not silently rewrite articles to make past errors disappear.

Report errors or suggest a correction: riskstock.info@gmail.com

Conflicts of interest & affiliate disclosure

RiskStock is independently owned and operated. We do not accept paid placements, paid “reviews,” or sponsored content disguised as editorial. If we ever do run sponsored content in the future, it will be clearly labeled as such and will not appear in editorial articles. Affiliate links, if any, are disclosed in the article where they appear. As of this policy’s last update, we have no affiliate relationships with any broker, fund provider, or financial product.

AI and automated content

Articles on RiskStock are written and edited by the human authors named above. We may use AI tools as part of the research or editing workflow (summarizing a source, generating a first draft for a structural pass, copyediting), but every published article is reviewed and finalized by a named human author who takes responsibility for the facts and the arguments. We do not publish articles generated wholly by an AI.

Comments policy

Reader comments are welcome. We remove spam, promotional links, personal attacks, and comments that give what looks like specific personalized financial advice to another named reader. We never edit the content of a submitted comment — we either approve it as-is or remove it.

Contact

Questions about our editorial process, corrections, or how we source a specific claim: riskstock.info@gmail.com