Editorial Policy

InvestWise4U is run by Ayaz Mirza, who built the comparison engine and is responsible for the scoring model, the dataset, and the corrections made to both. He holds no financial licence or professional designation, which his page states rather than leaves you to discover.

Articles and tool explanations carry the InvestWise4U name rather than a personal byline. The reason is a statement about what stands behind them: the published method and the named sources, which you can check, rather than a professional reputation you would have to take on trust. Where a figure comes from an outside source, that source is named in the text so you can check it yourself rather than take our word for it.

Product data — yields, minimums, fees, lock-in periods and regulatory status — is compiled from published central bank figures and the providers' own published terms. It is maintained as a periodically updated reference set, not a live market feed, and every product card on the site says so with the date it was last checked.

That distinction matters. A rate quoted here may have moved since it was recorded. Always confirm the current terms with the provider before committing money. We label the data this way rather than implying a precision we do not have.

Two figures in the inflation simulator are fetched live from the Federal Reserve Economic Data service: the 10-year Treasury 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 if the service is unavailable.

The shortlist is generated by a transparent scoring model, not by editorial preference and not by anyone paying for placement. Each option is scored against four inputs you provide — the amount you have, your time horizon, your goal and your risk tolerance — plus how its return compares with the best available in your market. Fees are subtracted from a product's yield before that comparison is made, so a high headline rate carrying high charges scores as what it actually pays.

Every card shows its own score and the reasoning behind it. If a product ranks first, the page tells you which component of the score put it there. You are meant to be able to disagree with the result and see exactly where your judgement differs from the model's.

We take no commissions, run no affiliate links to any financial provider, and no provider can pay to appear, to rank higher, or to be removed. The site has no commercial relationship with any institution it lists.

Articles exist to explain the arithmetic behind a financial question, not to generate search traffic for its own sake. Each one states its assumptions — the rate of return it uses, the period, whether figures are before or after tax — because a projection without its assumptions is a number with no meaning.

Where an article makes a claim about returns, the claim is framed as arithmetic rather than prediction. No asset class is described as guaranteed, no timeline is presented as certain, and compound projections are shown alongside what inflation does to them over the same period.

We periodically consolidate overlapping articles rather than publishing a separate page for every variation of a question. A single guide that answers a question across every figure is more useful than a dozen that each answer it once. In practice that has meant retiring seventeen near-identical posts into three guides, with the old addresses redirected rather than deleted.

On AI. Some articles on this site are drafted with AI assistance. Saying so is a deliberate choice: most sites in this position say nothing, and a policy page that lists everything else it discloses while stepping around this one would be hard to trust on the rest.

A drafting tool is not an author. The articles are written and published by the person who runs this site, who decides what appears on it; they carry the InvestWise4U name for the reason given above, which is about what stands behind an article rather than about who typed it.

The standard is the same whatever helped draft something: explain the arithmetic behind a question someone actually has, state the assumptions, and never let a projection read as a prediction.

What matters is purpose rather than tooling. Using a tool to help write something useful is not the problem; mass-producing pages to occupy search results is. This site did that, and corrected it — seventeen near-identical posts on variations of the same question were retired into three guides. The old addresses still redirect rather than returning errors, so that is checkable rather than asserted. If an article here reads as though it was made for a search engine rather than for a reader, tell us through the feedback page — the same route corrections arrive by.

If a rate, fee or product detail on this site is wrong, we want to know and we will fix it. Report it through the feedback page, which exists for exactly this purpose, or email support@investwise4u.com.

Corrections to a published figure are made to the page itself. Where a correction changes the substance of a recommendation rather than a typo, the change is noted on the page rather than made silently.

Content is reviewed on an ongoing basis: articles that have gone stale are updated or retired, and retired URLs redirect to whatever replaced them rather than being left to break.

InvestWise4U is free to use and carries no subscription. The site may display advertising, which is bought programmatically and has no influence on which products are ranked, how they are scored, or what the articles say. Advertising is labelled where it appears and is never presented as a recommendation.

Nobody who works on InvestWise4U accepts payment, gifts or hospitality from a financial provider in exchange for coverage. That is a short list — the site is run by one person, named on the engineer's page — and saying “editorial team” of a one-person operation would be the kind of padding this policy is supposed to rule out.

Write to support@investwise4u.com or use the contact page. If you believe something on this site is misleading, say so plainly and we will look at it.