Tell us how much you have and we’ll find investment options available to you locally.
We look beyond volatile stocks. Options include government securities, money-market funds, high-yield savings, CDs, Sukuk, gold, corporate credit, listed property (REITs) and foreign-currency holdings — plus property, shops and business ventures, shown separately because they have no quoted rate to rank on.
If your capital is too small or fees in your country are relatively high, InvestWise4U will explicitly tell you to hold until you reach a better threshold.
You enter four things — how much you have, how long you can leave it, what you want it to do, and how much of a fall you could live with. You get back a ranked shortlist of options actually available in your market, each scored out of 100 for how well it fits those four answers, with its yield, minimum, fees and lock-in period set out next to the others.
The point is the second half of that sentence. Plenty of sites will tell you what a bond is. Far fewer will tell you which bonds you can buy from where you live, at the amount you actually have, and what you give up by choosing one over another. That comparison is the whole product, and it needs no account — run it signed out and nothing is held back.
A score of 90 does not mean a product is good. It means it suits the four answers you gave. Change your horizon from five years to three months and the same product can drop forty points without anything about it having changed. It is a measure of fit, and reading it as a quality rating is the one way to be misled by this tool.
The score is affordability (up to 25), risk match (25), horizon match (20), goal match (20) and yield relative to the best available in your market (10). Each card opens to show which component gave it what, so when a ranking looks wrong you can see exactly which answer caused it — and disagree. The full method, including why yield carries the least weight, is on how it works.
Because return is 10 points of 100. A product paying more, which locks your money up past your stated horizon or carries risk you said you could not take, loses more on those components than it gains on yield. That is deliberate: a high rate you cannot reach or cannot stomach is not a good outcome.
They score zero on affordability and fall down the list rather than being hidden, so you can see what a larger amount would open up instead of wondering whether anything exists above your range.
It is not advice. It knows four things about you, all typed in under a minute. It does not know your debts, your tax position, your dependants, your job security or what you already hold — all of which a licensed adviser would ask before saying anything. The financial disclaimer sets out the full position.
It does not execute anything. We never hold your money, open accounts or place orders. You act through your own bank or broker, under their terms.
The rates are not live. Product data is a periodically updated reference set, not a market feed, and every card carries the date it was last checked. Treat a quoted rate as the starting point for your own check with the provider, not as today's price.
It will tell you not to invest. If your capital is below the minimum for everything available in your market, or small enough that fixed costs would eat the return, the result says so rather than ranking something unsuitable at the top to look useful.