About

Who's behind this, and why

ProofOfReturns is a small, independent project with one job: to check investment claims against the evidence, in public, and to explain the boring fundamentals that the hype machine would rather you skipped.

Why this exists

Because the internet has a returns problem. Nine out of ten professionals don't beat a simple index fund over 15 years, yet your feed overflows with strangers who supposedly cracked it — usually right before they sell you the course. Somebody should hold those claims to a plain standard and show the working. That's the whole idea, and there's a longer version with the numbers if you want it.

The standard we hold

Three words, and we mean them literally:

"Proof over promises."

A confident claim isn't proof. Extraordinary ones — 1% a day, "guaranteed" income, a signal that never misses — need the real thing: an auditable track record, costs included, out-of-sample, risk-adjusted, all the results and not the highlight reel. Most claims never clear that bar. When one does, we'll be the first to say so.

How we work

Evidence first. We state what would prove a claim, then show what the best available evidence actually says — including when it's messy or points against our priors.
Independent. No sponsors, no affiliate links, no paid placements, no "partner" picks. Nothing on this site is here because someone paid for it to be.
In public, and correctable. We show our work so you don't have to take our word for it — and if we get something wrong, we'd rather fix it out loud than defend it.
Educational, never advisory. We check claims and explain ideas. We don't tell you what to buy, and we never will.

Why pseudonymous

Fair question for a site about trust. The honest answer: because the whole point is that you shouldn't have to trust us — you should be able to check the evidence yourself. A name, a headshot and a bio are exactly the kind of authority-by-personality that gets people to skip the numbers. We'd rather be judged on whether the work holds up.

So we show sources, not credentials; reasoning, not a personal brand. If a check is wrong, it's wrong no matter who wrote it — and if it's right, the same. Disagree with something? Good. Tell us where the evidence says otherwise.

What ProofOfReturns is not

Not a financial adviser, broker, or portfolio manager.
Not a source of trading signals, price targets, or "buy this now."
Not a stock-picking service, a course, or a paid community.

Not advice — a reminder. Everything here is educational and general. It isn't a recommendation or an offer to buy or sell anything, and it can't account for your personal situation. For that, a fee-only fiduciary adviser is the right kind of help.

Say hello

Got a claim you want checked, a correction, or just want to argue with the evidence? That's genuinely welcome: info@proofofreturns.com.