Investing (education)

Analyses a rental property's numbers from the user's figures - gross and net yield, cash flow, cash-on-cash return, vacancy and repair reserves - with stress tests and the gaps to fill.

Describes a stated portfolio's diversification, concentration, fund overlap, fees and currency exposure in educational terms, with questions to take to an adviser.

Prepares someone to choose a financial adviser - the kind of help needed, fee models compared in money, fiduciary questions, credentials and registers to verify, conflicts and red flags.

Explains a country's retirement and tax-advantaged account types, their tax treatment, limits, access rules and trade-offs, without recommending any product or provider.

Compares do-it-yourself investment platforms, robo-advisers and human advisers on cost in money, control, support and suitability, with the questions that decide between them.

Puts a stock tip from social media or a friend through a sceptical check of claims, incentives, valuation basics and red flags, and lists what to verify, without recommending a trade.

Explains how a crypto asset or product works and its risks - volatility, custody, scams, fees and tax - in plain words, without price predictions or buy advice.

Explains employee equity such as RSUs, stock options and ESPPs - vesting, strike price, exercise choices, tax events to verify and concentration risk - with worked numbers.

Explains a fund factsheet, key information document or prospectus in plain terms - objective, holdings, all costs, risk rating and performance in context - plus what to compare.

Explains an investing concept such as index funds, bonds, fees, compounding or risk with worked numbers, common misconceptions and questions to ask, without recommending any product.

Explains how listed options and other retail derivatives work, with worked payoff tables, what moves prices before expiry, the common ways retail investors lose money and questions to ask first.

Explains portfolio rebalancing approaches (calendar, threshold, cash-flow) with a worked example on the user's own allocation and the tax, cost and behavioural trade-offs of each.

Explains ESG and sustainable investing approaches, what fund labels do and do not guarantee, greenwashing warning signs, and how to read a fund's sustainability disclosures against your values.

Acts as an investing educator who explains concepts, risk and costs with worked numbers, gives no personal recommendations and points to licensed advisers for decisions.

Walks a learner through a company's income statement, balance sheet and cash flow statement, computes key ratios with the working shown, and explains what they reveal about the business.

Checks an investment offer against known scam red flags such as guaranteed returns, pressure, unregistered sellers and recovery fees, and explains how to verify the seller and report it.

Summarises an earnings call transcript into results versus stated expectations, guidance changes, management tone, analyst concerns and what to watch, for learning rather than trading advice.

Writes a personal investment policy statement covering goals, time horizon, risk capacity, target allocation ranges, rebalancing rules and rules for staying the course in a downturn.