In the last three posts I showed you what Premium Research is: BackRoll, the Markets Hub and the Premium Guides. With just a few days left before the close of presale, I want to answer the questions I get most often: what does it cost, when does access begin, and what happens if you change your mind? Banker on Wheels is a family-run business, not a software company with a sales team. We’re a small team building apps, working with institutional-grade data providers and producing unique, high-quality research that we want to stand behind for years to come. That’s why we’ve structured Premium the way we have. We’ve built this website on the trust of our readers over almost seven years. We don’t take that lightly, and we’re grateful for your support. So here’s exactly how Premium is priced, why the prices will change, and what you can expect when you join.

Bank Deposits have their merits, but let’s face it, they provide you with a tiny fraction of the market yields.  So, where can you park your cash?

But too much yield, and something might be off. One thing you learn fairly quickly when you start your career during the GFC 🤯 is that despite what you hear there is no such thing as no risk in finance. In 2008, the structured finance products I managed were mis-sold as having their risk reduced, when in fact it was just transformed. Some like ABCP were packaged in Money Market Funds. Even institutional investors fell for it. If the yield is too good to be true, particularly for a short-term goal, it almost certainly is. 

That said, a higher yield can be worth it if you understand the risks behind it. If those risks are aligned with your goals, even better. So, what are all your short-term investing options? Today, let’s look at the trade-offs. 

For each option let's see what it pays today, who stands behind your money including in synthetic cash ETFs, and how it may behave in a crisis.

In my last two posts I showed you the apps: BackRoll, the backtest, and the Markets Hub, the monitor. Today it is the core of Premium: the Premium Guides, and the pipeline of guides coming over the next 12 to 18 months. Why guides at the core? The apps help you test your plan and monitor markets. The guides are where your questions turn into answers. Since we started coaching, hundreds of 1-on-1 sessions have taught us a lot about the problems you face, and the same questions keep coming back: how much can I safely withdraw, how do I set up portfolios for different goals, what do I do after a business sale or an inheritance, what changes if I move countries. The guides are all written by me, with a portfolio construction focus, in a language you can understand. Ten are live today, around twelve more are in the pipeline. Here is the 7-minute tour.

In August 2026, Vanguard launched the FTSE Global All-Cap UCITS ETF (VALL; on Xetra it trades as VGLA). It’s the cheapest single-ticket exposure to the entire global equity market, with large, mid and small caps across developed and emerging markets, at a total expense ratio of just 0.07%.

For the first time, the fee is almost the same as its US equivalent as well. Normally, wise investors would wait until an ETF has grown and built a track record, to reduce closure risk and tracking uncertainty. But, this isn’t a normal ETF. In a recent call with us, Vanguard told us it’s the most successful ETF Vanguard has ever launched. Worldwide. In just a couple of months it’s hitting most of the targets. Today, let’s see where things stand against Vanguard’s older funds tracking the same index.