Financial independence for ordinary people
Stop letting banks take your money
If your money is invested with a bank or investment company, you're probably paying far too much. Learn how to set up low-cost, low-maintenance portfolios that actually work — from a financial insider with 25+ years' experience.
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How to use this site
Your step-by-step path to better investing
Read the essentials and take any action appropriate for your situation.
Read first →See how the real portfolios built with David's own money are performing.
View results →Sign up for the free monthly update — no ads, no sponsors, just insight.
Subscribe →"I've been in finance for many years. This is my way of sharing that knowledge so that you can defend yourself against some of the nonsense — and in my opinion, rip-offs — prevalent in the world of investments."
David Ryder · Author & Financial Insider · More about me →What you'll get
This site can help you
Make investing simple
Plain English, easy-to-follow examples of low-cost investments that largely take care of themselves.
Defend your money
Reduce the chance of being overcharged by banks and investment companies through hidden fees.
Understand what matters
Know exactly what you need to — and confidently ignore the rest of the noise.
Find your risk level
Identify the right level of risk for your personal situation before putting a penny to work.
This website shows how David Ryder, a financial investment professional with years of experience, has set up his own investments. This is an example of how it can be done — it is not a substitute for, nor may it be taken as, financial advice.