Website terms and important information

Terms and Conditions.

Find the website terms, investment disclosures, Library access notes, and research methods in one place.

Last updated November 1, 2026.

Using this website and its resources.

These terms describe use of the 100 Fold Biblical Investing System website and its educational resources. Use the website lawfully and respectfully. Do not interfere with its operation, attempt unauthorized access, or misrepresent the source of its content.

You may read the public pages and use the free Library for your own learning and household planning. Do not sell, republish, or claim ownership of original teaching materials without permission from the applicable rights holder. Any permission supplied with a particular resource takes priority for that resource.

Some links lead to third-party websites, investment providers, or services. Those providers set their own terms, availability, and privacy practices. A link does not establish a recommendation or a partnership.

Investing education and research.

This website provides investing education and research. Investments can lose value, including principal. Historical results do not guarantee future returns. The Library’s listings and their order are research examples, not personal recommendations. Consider current costs, risks, access, and your household’s needs.

Growth illustrations labeled hypothetical use stated assumptions. Fees, sales charges, taxes, withdrawals, and inflation affect real outcomes. Scripture’s promises and the system’s investing applications are explained separately; these educational resources do not promise a particular fund return.

The name Hundredfold includes a mathematical teaching standard: one hundred times a starting amount over forty years is approximately 12.21% annualized growth. This is a study standard, not a promised or expected return.

Investment performance histories and calculations are dated educational examples. They do not account for every household’s situation. Review current issuer documents and seek qualified professional help when your decision requires it.

Previous class registrations.

Class registration is not currently available on this website. Earlier interest registrations were not a purchase, payment, or promised seat reservation. Use the Contact Us page if you have a question about a previous registration.

Access and important notes

* About the five-minute path

The Library offers a short route to compare funds, identify a cost and a risk, and write a decision. Five minutes is a starting framework, not a measured result for every investor. A final investment choice may need more research.

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Your email and your own copy

100 Fold collects the email you enter through Leadpages for this Library access request. Your balances, account numbers, goals, and other workbook entries belong in your downloaded copy. This page does not collect those entries. No automatic email attachment is promised.

Format and access

The complete workbook is free, about 36 MB, and designed for desktop Microsoft Excel. No payment or card is required. Features depend on your Excel version. Google Sheets, mobile apps, and other spreadsheet programs have not been verified for full functionality.

Growth illustration assumptions.

The growth table uses effective monthly compounding, (1.1221^(1/12)) − 1, and month-end deposits. It excludes fees, charges, taxes, inflation, and withdrawals. The edition’s basic return screen and its later research questions are distinct: a recorded growth rate does not mean every cost, risk, access, or suitability question has been resolved.

Hypothetical figures use the stated starting amounts, contribution timing, return assumptions, and reinvestment assumptions. A constant-rate illustration does not reproduce actual market fluctuations or an investor’s personal results.

Top-ten selection, dates, and share-class history

The table reproduces the ten highest recorded since-inception CAGRs among the 47 entries assigned to the 40+ year group in the linked Quarter 3 2026 workbook. Main data was assembled through September 2026; individual source dates vary. It is a ranked snapshot of that edition, not a ranking of all investments or a current buy list.

Separate share classes count separately. SLMCX and SCICX belong to the same Columbia fund; VPMAX and VPMCX belong to the same Vanguard fund. A newer share class may include performance history from the fund’s earlier share class or predecessor fund. For example, the Columbia fund and its Class A began June 23, 1983; SCICX Class C began May 27, 1999, while its issuer also publishes an adjusted history from the fund’s 1983 start. Vanguard PRIMECAP Investor Shares began November 1, 1984; VPMAX Admiral Shares began November 12, 2001, while the Library groups them under the older PRIMECAP fund history. These are not ten distinct portfolios with identical measurement windows.

Recorded total-return figures generally assume distributions are reinvested and reflect fund operating expenses; sales-charge treatment and source methods vary. A high CAGR does not show all past declines or establish future growth. Closed and failed funds may be absent. Check the current prospectus and exact share-class history before acting.

Workbook and issuer sources for the ten investment choices

Source workbook, Fund Data rows ranked by Since Inception.

FSELX: Fidelity Select Semiconductors Portfolio.
SLMCX: Columbia Seligman Technology and Information Fund Class A.
FSCSX: Fidelity Select Software and IT Services Portfolio.
FMAGX: Fidelity Magellan Fund.
SCICX: Columbia Seligman Technology and Information Fund Class C.
FOCPX: Fidelity OTC Portfolio.
FSPTX: Fidelity Select Technology Portfolio.
FDCPX: Fidelity Select Tech Hardware Portfolio.
VPMAX: Vanguard PRIMECAP Fund Admiral Shares.
VPMCX: Vanguard PRIMECAP Fund Investor Shares.

Columbia’s extended share-class history note. VPMAX share-class inception.

Historical examples, selection, and calculations

The three funds were selected with hindsight from the Library to demonstrate different lengths of fund history. They are not a recommended portfolio. Two focus on technology, and holdings may overlap. Each chart has its own dates and scale, so ending dollars do not rank fund quality. Source dates vary across the workbook, issuer summaries, and charts.

How these historical illustrations were calculated

Each scenario invests $1,000 at the first available closing observation. Monthly contributions, when selected, arrive at the last observed trading close of each completed month after that opening investment. No October 2026 deposit is included because October is not complete.

Account value follows the actual daily changes in the provider’s adjusted-close series, then adds each scheduled deposit. Adjustments approximate reinvestment of dividends and capital-gain distributions and account for splits. Fractional units and continued investment access are assumed. The line is reduced to local high and low observations for display; calculations use every valid daily observation.

Fund operating expenses are reflected in the underlying prices. Personal taxes, commissions, trading spreads, sales charges, inflation, and withdrawals are not modeled. Provider reinvestment adjustments can differ from an issuer’s official total-return method. For example, this provider series gives about 43.32% for FSELX in 2025, while its SEC summary prospectus reports 42.90%. The replay is an approximation, not an issuer total-return account statement. VGT uses market closing prices here; its published NAV return can differ. These are data-based estimates, not exact statements of what a real investor received.

FSELX and FBGRX begin on their recorded inception dates. VGT begins January 30, 2004, four calendar days after its January 26 inception. Missing early prices are not invented. The displayed return summaries use issuer figures through September 30, 2026. The chart history runs through October 23, 2026. The workbook’s original snapshot can show earlier return figures.

Past performance does not guarantee future results. Future contributions may experience very different markets and losses.

Contact forms and email requests.

The Library signup forms describe the purpose of each email request beside the form. Keep bank details, account numbers, passwords, tax records, and other sensitive personal information out of website forms.

The Contact Us message form is being prepared and does not send messages yet. Until a receiving address and delivery process are connected, call 225-238-6013. No response time or telephone availability is promised.

Third-party services linked from this website have their own privacy notices. Review those notices when you use their services.

Accuracy, updates, and questions.

Research data, resource features, and third-party links can change. Check the date and sources attached to a claim. If you find an error or need permission to reuse material, use the Contact Us page or call 225-238-6013.

Updated website terms will be posted here with a revised date. These terms do not remove rights that applicable law does not allow to be removed.

Copyright and Scripture acknowledgment.

Original website teaching and materials are attributed to House of Biblical Wisdom and Ahmad Davis. Third-party materials remain the property of their respective rights holders.

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