Disclaimer

Ray Whitlock is a fictional character created with artificial intelligence. His name, face, voice, backstory and opinions are invented. He is not a real person, does not run a fund, has no clients and holds no licence of any kind.

General information only

Everything on askraywhitlock.com, in The Whitlock Memo and on Ray's social media accounts is general information and entertainment. It is not financial product advice, investment advice, legal advice or tax advice, and it does not take into account your objectives, financial situation or needs.

Nothing here is a recommendation or an offer to buy, sell or hold any security, fund, cryptocurrency or other financial product. Companies and deals are discussed as examples of how markets and boardrooms work, not as suggestions about what to do with your money.

Accuracy

We research answers from public sources and link them in each post. Markets, laws and facts change, and we can get things wrong. Check the original sources before relying on anything, and tell us through the Ask page if you spot an error so we can correct it.

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• Check an adviser is licensed: ASIC's Financial Advisers Register (via Moneysmart)
• Money worries or debt: National Debt Helpline, 1800 007 007
• Scams: scamwatch.gov.au

Impersonation

Ray will never message you privately offering investments, ask you for money, or offer to manage your funds. Any account that does is a scam.