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Terms changes, rate moves, platform news and the occasional post-mortem.

GuidesSep 15, 2026·2 min read

The buyback guarantee is not a guarantee. Here is what it actually is.

Every second platform advertises a buyback guarantee. Almost none of them explain who is standing behind it — which is the only question that matters.

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GuidesSep 8, 2026·2 min read

What an ECSPR licence actually protects you from — and what it doesn't

Regulated platforms now advertise their licence on every page. It is a real improvement. It is also routinely oversold.

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PortfolioAug 28, 2026·2 min read

Why we treat anything above 13% as a warning, not an opportunity

High yields are not free money that the market has overlooked. They are a price, and the thing being priced is the chance you do not get your capital back.

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