Independent · Ad-light · UK
Money decisions, made on evidence, not on someone’s hunch.
Index funds, pensions, ISAs and tax, explained from the data up. We show the research, name the trade-offs, and tell you where nobody actually knows.
- Active funds beaten by the index*
- ~88%
- ISA allowance, 25/26
- £20k
- Funds we sell
- None
*SPIVA Europe, 10-year UK equity, before survivorship adjustment.
Editor’s pick
Buying Guides
Best Stocks and Shares ISA Platforms in the UK for 2026, Compared on Fees
A calm, fee-first comparison of the best stocks and shares ISA platforms in the UK for 2026, with verified charges for Trading 212, Vanguard, AJ Bell, HL and more.
Table of contents
The guides, numbered and sourced
Each guide is a standalone briefing: the question, what the evidence shows, and the honest catch most articles leave out.
No. 01
Best Stocks and Shares ISA Platforms in the UK for 2026, Compared on Fees
A calm, fee-first comparison of the best stocks and shares ISA platforms in the UK for 2026, with verified charges for Trading 212, Vanguard, AJ Bell, HL and more.
Read guide
No. 02
Trading 212 vs InvestEngine vs Vanguard: Which Low-Cost Platform Wins
A plain, fee-by-fee comparison of Trading 212, InvestEngine and Vanguard for UK ISA and SIPP investors. Real charges, real trade-offs, no hype.
Read guide
No. 03
How to Open a SIPP in the UK: A Step-by-Step Guide for First-Timers
A plain, step-by-step guide to opening a SIPP in the UK: who can open one, the tax relief, picking a platform, and your first contribution.
Read guide
No. 04
Investment Platform Fee Calculator UK: Percentage vs Flat Fee
Free UK investment platform fee calculator: enter your pot size and we work out the yearly cost on Trading 212, InvestEngine, Vanguard, AJ Bell, HL and interactive investor, ranked cheapest first.
Read guide
No. 05
Investment Growth Calculator UK: Project Your ISA or SIPP Pot
A UK investment growth calculator that projects your ISA or SIPP pot from a starting sum and monthly contributions, with fees and inflation deducted so you see the real, spendable value.
Read guide
No. 06
Pension Tax Relief Calculator UK: Basic, Higher and Additional Rate
A UK pension tax relief calculator that shows the real cost of a SIPP or pension contribution after 20% relief at source plus any higher or additional rate relief you claim back through Self Assessment.
Read guide
No. 07
How Long to Reach Your Investment Target: ISA and SIPP Time Calculator
Work out how long to reach 100k or any investment target, from your starting pot, monthly contribution and expected return, with the monthly amount that would get you there faster.
Read guide
No. 08
How to Start Investing in the UK: An Evidence-Based Beginner’s Guide
Start investing in the UK in 2025/26: ISA allowances, named low-cost index funds, real platform fees, FSCS limits and the long-run evidence on returns.
Read guideOur whole method
Opinions are cheap. The evidence is the product.
The finance internet runs on confident hunches. We do the slower thing: take the common claim, hold it against the data, and report what is left standing.
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