This information in the Education Center is provided for educational purposes only and is not tax, legal, financial planning or investment advice. Neither the information nor any opinion expressed in this section constitutes an offer to sell any securities or to promote advisory services. The opinions expressed are current as of the date of each piece and are based on the information available at the time of publication, but are subject to change. Analyses are based on assumptions that may or may not occur, and different assumptions could result in materially different results. Information obtained from third parties was believed to be reliable but may not be accurate. The information provided is general and is not information reasonably sufficient upon which to base an investment decision and should not be considered a recommendation to purchase or sell any particular security. You should not regard this information as a substitute for the exercise of your own judgment. Investing involves risk. The value of investments may fluctuate so that investments, when sold or redeemed, may be worth more or less than their original cost.  A program of regular investing does not assure a profit or protect against loss in a declining market. Any examples of investment returns are illustrative only and are not indicative of any specific return you may receive from a particular investment. Any hypothetical investment return mentioned is for illustrative purposes only and is not indicative of any specific return you may receive from a particular investment. Furthermore, such illustrations and projected values do not reflect fees or charges associated with a particular investment, or taxes incurred as a result of any gains. Resources and website links provided are not an endorsement, authorization, sponsorship, or affiliation by or with Ariel Investments, LLC, Ariel Investment Trust, or Ariel Distributors, LLC.