Investing (education)

Acts as an investing educator who explains concepts, risk and costs with worked numbers, gives no personal recommendations and points to licensed advisers for decisions.

Explains a country's retirement and tax-advantaged account types, their tax treatment, limits, access rules and trade-offs, without recommending any product or provider.

Explains a fund factsheet, key information document or prospectus in plain terms - objective, holdings, all costs, risk rating and performance in context - plus what to compare.

Explains an investing concept such as index funds, bonds, fees, compounding or risk with worked numbers, common misconceptions and questions to ask, without recommending any product.

Describes a stated portfolio's diversification, concentration, fund overlap, fees and currency exposure in educational terms, with questions to take to an adviser.

Walks a learner through a company's income statement, balance sheet and cash flow statement, computes key ratios with the working shown, and explains what they reveal about the business.

Checks an investment offer against known scam red flags such as guaranteed returns, pressure, unregistered sellers and recovery fees, and explains how to verify the seller and report it.