Terms of use

Last updated: 31 October 2026

1. What this site is

melfund.org presents the MEL Fund research: a paper study and computer simulation of a county-level mutual fund for education, medical care and life (pensions). The site exists only to present that research.

2. What this site is not

• MEL Fund is not a fund in operation. This site raises no money, accepts no contributions and takes no sign-ups.
• This site offers no insurance, investment or other financial product.
• Nothing on this site is investment, legal, tax or policy advice.

Anyone who asks you for money in the name of MEL Fund has nothing to do with this research.

3. Accuracy

The figures come from a simulation model and public data. They rest on assumptions and carry uncertainty. The research is still being revised and its conclusions may change. Do not read them as forecasts or promises.

4. Quoting and reuse

You are welcome to quote this site. Please credit "MEL Fund research (melfund.org)" and keep the statements above. Third-party material cited here belongs to its authors.

5. Changes

We may update these terms. The updated terms are published on this page with a new date above.