Investing (education)

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.

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.

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.

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.