Proof over
promises.
The internet is full of confident people with charts. We hold investment claims to the actual evidence — and explain the boring fundamentals the hype skips. No signals, no sponsors, no advice.
The four most recent pieces
Explainer Published 15 October 2026
Lump sum or spread it out?
How often investing a large sum at once came out ahead, what waiting cost, and when spreading it out was the better move.
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Explainer Published 27 September 2026
Backtests: why the past can be fitted
Why a strategy tailored to the past can look brilliant and still predict almost nothing, where you meet one, and six questions that help you spot one.
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Explainer Published 17 September 2026
Fees, in euros instead of percentages
What a yearly charge is worth in euros over a decade, why the charge itself is only part of what it costs you, and why the euro figure your provider is already required to send still does not answer the question you have.
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Check Published 10 September 2026
"Gold protects you from inflation."
Over stretches longer than a human life an ounce really has held its buying power, and even gold's sceptics say so. Over the five, ten or twenty years you would actually own it, it kept up in roughly six windows out of ten — a real tilt, not the reliability the word "protects" suggests.
Promised 3 · proven 1 · partly 2 — not very sure
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This isn't cynicism. It's measurement.
People have been counting for decades — funds, traders, forecasters, influencers. The numbers are remarkably consistent, and remarkably at odds with your feed.
the S&P 500 over 15 yrs
lost money (Brazil, futures)
measurably anti-skilled
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