Cookie 与统计: 我们可能会使用第三方服务(如 Google Analytics)收集匿名的访问统计数据(如页面浏览量、设备类型),以优化用户体验。这些服务可能会在您的设备上存储 Cookie。
4. 模型局限性 (费用与通胀)
请注意,本工具生成的模拟推演与再平衡建议均为理论数学模型,存在以下局限性:
未考虑通胀/通缩: 所有金额均为名义价值,未根据通货膨胀率或购买力变化进行调整。
忽略交易摩擦: 计算假设交易无损耗,未扣除交易手续费、佣金、印花税、滑点以及资本利得税等实际成本。
5. 服务变更
我们保留随时修改或终止服务、更新本条款的权利,恕不另行通知。
最后更新日期: 2026年1月7日
1. Acceptance of Terms
By accessing and using this website ("4x25 Tools"), you agree to be bound by these terms. If you do not agree, please do not use this service.
2. Disclaimer (No Financial Advice)
The calculations, charts, and information provided on this website are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice.
Investments involve risk, including the possible loss of principal.
Past performance is not indicative of future results.
Consult with a qualified financial advisor before making any investment decisions.
We accept no liability for any loss or damage resulting from the use of this tool. You use this service entirely at your own risk.
3. Privacy Policy (Data Localization)
We respect your privacy. This tool operates on a Client-Side architecture:
Your Financial Data Stays Local: The asset values and rates you input are processed entirely within your browser. This data is never transmitted to our servers.
Data Persistence: To improve your experience, we save your input data in your browser's LocalStorage so you don't have to re-enter it next time. You can clear your browser cache to remove this data.
Cookies & Analytics: We may use third-party services (like Google Analytics) to collect anonymous usage statistics (e.g., page views, device type) to improve the user experience. These services may store cookies on your device.
4. Model Limitations (Fees & Inflation)
Please note that the simulations and rebalancing suggestions are theoretical mathematical models with the following limitations:
Inflation/Deflation Excluded: All figures are nominal values and are not adjusted for inflation or changes in purchasing power.
Transaction Costs Ignored: Calculations assume zero friction and do not account for trading fees, commissions, slippage, or taxes (e.g., capital gains tax).
5. Changes to Service
We reserve the right to modify or discontinue the service, or update these terms at any time without prior notice.