INVEST WITHOUT BEING RIPPED OFF — MEMBERSHIP
Membership benefits vs the free DIY option.
Matching my diversified, low-cost model portfolios
If you’re confident with finance and investments, the free DIY solution should provide all the information you need to copy the low-cost model portfolios based on 150 risk-rated portfolios that I’ve analysed.
If not, membership gives you access to the automator that will do all the calculations for you, even down to suggesting the exact amount of specific funds to buy on the platforms that scored well in my research and analysis.
DIY (Free)
Membership (£149/year)
Assessing the appropriate level of investment risk for you
MANUAL: Answer the Risk Questionnaire, writing down your answers as you go (17 quick questions, about 10 mins) then calculate your score using the answers table.
AUTOMATED: Type in your answers and your score is calculated instantly.
Selecting model portfolio closest to your risk level and amount to invest
MANUAL: Look through the investment tiers and risk levels on the Model Portfolio Allocations page and identify the allocation that works for you.
AUTOMATED: Type in how much you want to invest and the tool does the rest.
Calculating how much of each asset class to buy
MANUAL: Use the percentages in the model portfolio you want to follow to calculate the allocations.
AUTOMATED: Already completed for you as part of the previous step.
Choosing an investment platform
MANUAL: Read my full platform review process to help you investigate different platforms.
AUTOMATED: The platforms that performed well in our reviews are presented in a drop-down menu for you to choose from.
Choosing which specific funds to buy, and how much of each
MANUAL: Use the list of Low-Cost Funds to select funds for your portfolio.
AUTOMATED: As soon as you choose one of the good platforms, you are instantly presented with how much to buy (or buy-and-sell if you’re rebalancing) of the specific funds on the platform you’ve selected. You can click on different platforms to get instant updates.
Getting a downloadable PDF or Excel sheet of everything for you to keep
NOT AVAILABLE
AUTOMATED: Instantly available.
Q&A webinars and support
LIMITED ACCESS: Some webinars open to the public.
FULL ACCESS: Members have access to all webinars (including tax, inheritance, insurance).
Support
NOT AVAILABLE
AVAILABLE: Submit queries and questions on investment issues. Answers will be provided through shared updates, live webinar answers, and direct responses as appropriate.
Cost
Free
£149/year