Clear, unbiased investment decisions — for everyone

Most financial guidance online quietly assumes you have a US brokerage account. Search for where to put savings and you will be told about Roth IRAs and S&P 500 index funds, which is useful if you live in the United States and close to useless if you do not.

The gap is not knowledge of investing in the abstract. It is knowing what you can actually buy, from where you are, with the amount you actually have — and whether the thing your bank is recommending is good or merely the thing your bank sells.

InvestWise4U exists to close that gap: enter your amount, horizon, goal and risk tolerance, and get a ranked shortlist of options genuinely available in your market, with the yields, minimums, fees and lock-in periods laid out next to each other.

Each option is scored out of 100 against four things you tell us — affordability, risk match, horizon match and goal match — plus how its return compares with the best available in your own market. Fees come off the yield before that comparison. Return carries the smallest weight on purpose, because a high rate you cannot access, cannot afford or cannot stomach is not a good outcome.

Every card shows its own score breakdown, so you can see which component moved a product up or down and disagree with it if your judgement differs. The full method is on the how it works page.

This is the question that decides whether any comparison site is worth reading, so it gets a direct answer: we take no commission from any financial provider. No affiliate links to institutions, no paid placement, no arrangement under which a product can appear, rank higher, or be quietly removed.

The site is free, has no subscription, and carries no paywall. It may display advertising, which is bought programmatically and has no bearing on the rankings or the editorial content. If that ever changes, it will be disclosed here and in the editorial policy rather than discovered.

We never hold your money. We do not open accounts, place trades or act as an intermediary. You act through your own bank or broker, under their terms.

InvestWise4U is run by Ayaz Mirza, who built the comparison engine and is responsible for the scoring model, the dataset behind it and the corrections made to it. His page says what he is responsible for and, just as plainly, what he is not: he holds no financial licence or professional designation, and neither does this site.

Articles and tool explanations still carry the InvestWise4U name rather than a personal byline, and the reason is worth stating rather than leaving you to assume one. What stands behind an article here is the published method and the named sources, both of which you can check — not a professional reputation you would have to take on trust.

InvestWise4U is not a licensed financial adviser, broker, fund manager or tax professional, and is not regulated as one in any jurisdiction. Nothing here is a personal recommendation. For advice tailored to your full circumstances, speak to a licensed professional where you live.

What we do claim is that the method is published, the data sources are named, the incentives are disclosed, and the limits are written down rather than buried. Those are checkable, which is the point.

Product data is compiled from published central bank figures — chiefly the Bank for International Settlements policy rate series — and providers' own published terms, maintained as a periodically updated reference set rather than a live market feed. Every card shows when its data was last checked, and rates move — confirm current terms with the provider before committing money.

Two figures in the inflation simulator are fetched live from the Federal Reserve Economic Data service: the 10-year Treasury constant maturity yield (DGS10) and US CPI year on year (CPIAUCSL). Each is labelled on screen with its source, and the tool falls back to a clearly marked long-run average when the service is unavailable. Both links go to the series itself, so you can read the same number we did.

Two further services are worth naming, because listing only the impressive ones would be the kind of omission this page exists to avoid. Country-level economic figures are looked up from the World Bank, and currency conversion uses a public exchange-rate feed rather than a central-bank fixing — accurate enough for comparing options, and not a dealing rate. Where a page shows a converted amount, that is where the rate came from.

If you find a figure that is wrong, tell us through the feedback page and we will fix it. That is the correction route, and it is a real one.