Your DIY Investment Decision-Making Platform
Asset Allocation. Deep ETF Research. The Tools & Frameworks I Use With Coaching Clients.
Join during the presale and lock in your price for as long as you stay subscribed. Presale closes 15 November 2026. These prices will never be offered again, and the next intake will not be before 2027.
You don’t need to outperform the market to make it worthwhile. You just need to avoid one expensive mistake.
A Note From Raph
Why We Are Launching Premium Research After Seven Years Of Free Financial Education
Dear Wheelers –
I have always believed in open, freely available education.
Banker on Wheels was built for impact. As some of the oldest readers know, it began as a way of paying back the life-changing experiences and the generosity I received from people during my round-the-world cycling adventures. Making a business out of it was not part of the plan for the first few years, because it risked narrowing the wide impact, which is what fuels me in the first place.
We lead a fairly alternative lifestyle, so the opportunity cost so far has been our time and our retirement savings. I was always willing to make that trade, because it gives me real satisfaction that, in a very miniature way, we make the world a better place.
But the landscape has changed enormously since ChatGPT first arrived. Information is abundant, but genuinely independent research, real-world experience and human judgement are rare.
So we faced two choices: reduce our time, or make Banker on Wheels even better.
After thousands of hours spent building a free resource, we realised that creating a premium service was the only way to bring our research, guides and tools to the next level while preserving what makes Banker on Wheels special in the first place. That’s also what the majority of you wanted us to focus on in our last survey.
Premium is not simply a paywall. It is a way for our readers to fund three things.
First, more value for you.
This premium setup allows us to partner with multiple data providers. Together, data and running costs amount to multiple times the price of a Tour de France bike. Some of these sources, to my knowledge, have never been available to individual investors, in Europe nor even in the US.
Centuries of academic-quality data, a non-US focus, our own quality checks and methodologies, and years of research and synthetic index construction make our apps genuinely different. We are building on deep data and rigorous research foundations.
Supplemented with guides you won’t find anywhere else, Premium Research will allow us to build one of the most complete research platforms available to non-US investors.
The upside of those nearly seven years of Banker on Wheels for you, is that we now understand our readers’ problems well enough to build a service we’re certain returns considerably more value than it costs.
Second, independence.
Premium is how we fund the 90% of the site that is our core mission and will stay free. It’s how we maintain full independence, so there is no interference from third parties including ETF managers.
Instead of publishing pseudo-independent sponsored content which you see so often online, we get phone calls from brokers or asset managers’ executives, because we are different and criticise some of their products freely. We tell them when a product is not in our readers’ interest.
Because we can.
Third, the vision – a community around a family-run site.
I would never want Banker on Wheels to become a media site chasing traffic, advertising, sponsors or outside capital. I want it to remain a small, authentic, family-run, built around a community of wise investors some of whom are becoming friends.
As producing AI content becomes easy, what becomes scarce is judgement, original research, trust and a community of people who care about getting things right.
Having interacted with hundreds of you, I know how unusually engaged and thoughtful this community is. Building the Rollers Community around like-minded people – and giving it the fuel to grow – is something I particularly look forward to in the coming years.
That’s why Banker on Wheels needs a second leg to stand on. Premium Research is that leg.
It allows us to build better resources for you, preserve our independence, and keep Banker on Wheels a family-run project with a community at its heart.
Banker on Wheels will always be free to ride. Premium is what will keep the wheels turning.
And Premium Research gives us the resources to build something truly exceptional. Discover some highlights below.
Looking forward to seeing you on board.
Good luck & keep’em rolling,
Raph
There’s a good chance your portfolio has a few leaks. Most do.
- Covered: Low-cost ETFs
- Covered: Basic diversification
- Missing: Correct asset allocation
- Missing: Human capital considerations
- Missing: Right bonds & hedging
- Missing: Correct risk factor exposure
- Missing: Safe portfolio withdrawals in retirement
- Missing: Further fee & transaction cost minimisation
- Missing: Tax optionality
- Missing: Tools to monitor market & make financial plans
- Missing: Cross-country considerations
With the popularity of cheap ETFs tracking broad indices, part of investing is solved. Today, most self-directed investors get the basics right – low-cost ETFs, and basic diversification. But the real leaks are in the details: asset allocation decisions, bond allocations that don’t match your actual risk, omitted factor diversification, human capital consideration or execution cost for large trades. A single overlooked mistake can quietly add up to tens of thousands.
- Covered: Low-cost ETFs
- Covered: Basic diversification
- Covered: Correct asset allocation
- Covered: Human capital considerations
- Covered: Right bonds & hedging
- Covered: Correct risk factor exposure
- Covered: Safe portfolio withdrawals in retirement
- Covered: Further fee & transaction cost minimisation
- Covered: Tax optionality
- Covered: Tools to monitor market & make financial plans
- Covered: Cross-country considerations
Premium Research exists to close that gap – deep, independent analysis on ETFs, asset allocation, and portfolio construction for serious long-term investors. It’s the hard work we put into tools & guides that help your portfolio compound.
Six months from now, you’re not second-guessing your allocation when markets drop 30%. You know why you have a specific bond duration, your factor exposures are intentional and when they will work, and your costs are optimised. Not because someone told you what to buy – but because you built it yourself, with institutional-grade frameworks and tools behind every decision.
Premium Research is for you if…
- You manage your own long-term portfolio – ETFs, index funds – and want to do it properly
- You invest outside the US – in EUR, GBP, CHF, PLN – or across more than one country
- You want frameworks, data and tools to make your own decisions with confidence
- You would rather spend a few hours getting your allocation right than pay a percentage of your portfolio every year for someone else to do it
It is probably not for you if…
- You want someone to tell you exactly what to buy – we do research, not personal advice; 1-on-1 Coaching is the closest we offer
- You trade actively or are looking for market-timing signals
- You expect a fixed publishing schedule – new research ships when it is ready and adds value
Four Components Live Today – Plus a Fifth in Development
One subscription. Four components live today, updated continuously – every update to them included at no additional cost. The fifth, the Portfolio & Wealth Tracker, is in development for 2027/28 as a separate add-on module, included with Lifetime.
Click any part to read more
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Guides – Guides You Won’t Find Anywhere Else
The research includes: deep, practical guides on ETFs, asset allocation and portfolio construction.
Live today -
BackRoll – Europe’s First Comprehensive Backtesting Tool With Longest Data
Backtesting across 330+ years of market history, in your own currency.
Live today -
Markets Hub – Understand Market Conditions To Better Design Your Portfolio
Yields, credit spreads, valuations, inflation and long-term return assumptions – updated daily.
Live today -
Library + Toolbox
A structured archive of the best long-term investing resources, plus curated external tools.
Live today -
Portfolio & Wealth Tracker – Your Financial Planning Tool
A private Excel module that lives on your PC – your data stays with you – integrated with the Markets Hub for annual asset-class assumptions. Every 6–12 months we publish the market data you need in the Markets Hub; it feeds the Portfolio & Wealth Tracker so you can build your own projections of net worth and cash flows. This setup respects your privacy.
In development · expected 2027/28 Separate add-on · included with Lifetime Plan
The first room of the Rollers Global Expat & Nomad Community: a member lifestyle forum for travel, expat/nomad life and the family aspects of living globally. Deliberately not an investing forum – for now.
What You Get with Premium Research (and What You Don’t)
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Deep Research
Guides on ETFs, asset allocation, wealth management. Frameworks, tools, checklists and dashboards for global investors, expats and nomads.
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Practical Guidance
Investing mental models, frameworks and examples you can adapt. Clear pros/cons of ETF structures and strategies. Practical tools & checklists for implementation.
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Quality Over Quantity
A growing library of high-quality pieces, expanded when new research is ready and adds clear value. New guides, dashboards or updates without fixed schedule.
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24/7 Access
Research library and tools available around the clock while your access is active. Occasional clarifications via public posts, FAQs or updates when many members need them.
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Do-It-Yourself Logic
Access to all Banker on Wheels Research content and future additions. Clear documentation so you can work through topics at your own pace.
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Independent & Honest
Cost-aware, evidence-based and risk-focused research. Tools designed to help you make better, calmer decisions and avoid common investor mistakes.
⚠️ Important to know
Premium Research is built for investors who want to think for themselves. You get the frameworks, research, and tools – you make the decisions. New research is added when it’s ready and adds clear value, not on an arbitrary schedule. If you want personalised strategy, that’s what Coaching is for. Given the nature of digital content, refunds are not available. The Rollers Community – Lifestyle Lounge – our global expat and nomad lifestyle forum – is rolling out as a member bonus; it is deliberately not an investing forum for now.
Banker on Wheels Premium Services
What you can access today via free content, Banker on Wheels Research and 1-on-1 coaching.
- ETF Guides Equities, Bonds, Multiasset, Alternatives etc.
- Investing Guides Portfolio Construction, Market Reviews, Beginners Content, How to Invest.
- Broker Guides Broker selection guides, tools, and profiles.
- Wealth Guides Personal finance and wealth-building tools.
- Free Tools Core calculators and simulators.
- ETF Guides Equities, Bonds, Multiasset, Alternatives etc.
- Investing Guides Portfolio Construction, Market Reviews, Beginners Content, How to Invest.
- Broker Guides Broker selection guides, tools, and profiles.
- Wealth Guides Personal finance and wealth-building tools.
- Free Tools Core calculators and simulators.
- Weekend Reading Weekly curated insights for long-term investors.
- Portfolio Checklist 2-page free PDF to quickly review your portfolio.
- Premium Research Deep dives on ETFs, strategies, and cost optimisation – see the full guide list below.
- Asset Allocation Tool Allocation helper and its guide for long-term accumulating.
- BackRoll by BoW Our Intuitive Backtesting & Withdrawal Scenario Tool
- Markets Hub by Banker on Wheels Global snapshot of yields, spreads, risk indicators or long-term asset return forecasts for your financial plans
- Investing Library Structured archive of the best long-term investing resources.
- External Toolbox Links Curated third-party tools I use and recommend.
- Portfolio & Wealth Tracker1 In development – expected 2027/28. Separate add-on when it ships; included with Lifetime.
1 Portfolio & Wealth Tracker:
- Priced separately for Premium Research members when it ships; included with Lifetime.
2 Presale prices – presale only (30 September 2026 – 15th of November 2026):
- €329/yr · €819 for three years · €2,499 lifetime. Prices will rise at public launch and may rise further as new resources are added; presale subscribers keep their locked rate while subscribed.
- Deep-dive, personalised strategy sessions
- Lifetime members receive priority scheduling.
1 Portfolio & Wealth Tracker – priced separately for Premium Research members when it ships; included with Lifetime Plan.
2 Presale prices – presale only (30 September 2026 – 15th of November 2026). Prices will rise at public launch and may rise further as new resources are added. Presale subscribers keep their locked rate for as long as they remain subscribed.
Do I Need To Be Advanced? No, There Are Two Ways To Run Our Apps
Every app ships with two modes – switch any time with one click.
The ‘Easy Mode’ – just the essentials, pre-configured – so you don’t need to be a banker to run it.
All bells and whistles – full parameter control and deep analysis for those who want to go further.
Guides & Tools You Won’t Find Anywhere Else
Banker on Wheels is unique. That’s because we produce independent research that you can’t find anywhere else. Premium Guides are extending this principle.
- Research You Won’t Find Anywhere Else
- Written by Raph in a language you can understand
- Designed to save you time, fees and avoid costly mistakes
- Portfolio Construction Focus
- Future Asset Allocation Guides based on BackRoll Tool
- For the most exigent investors
- How Do I Choose Equity vs Bonds Allocation? Step-By-Step Framework To Establishing Your Equity Allocation. 🛠️ Includes a simulator for accumulating investors.
- Should I add Factors to my portfolio? Factor Investing – Higher Returns Or Real Plague.
- How do I Seize Small Cap Value in Your Portfolio? Small Cap Value Strategy: When It Makes Sense & How To Size.
- How do I Trade ETFs In Size? ETF Liquidity Guide.
- How much will my Bond ETF yield? ETF Hedging Guide – Expanded.
- Where Should I park my cash? Guide to MMF ETFs.
- Are Money Market Funds Safe? Guide to Structures.
- Is BlackRock ICS MMF Range for me? Deep Dive.
- Can I invest in US ETFs in Europe? Guide to US ETFs for European Investors & US Expats.
- How to Build a Bond ETF ladder? How To Choose a Fixed Maturity Bond ETF.
This is the content on Day 1 – more guides and tools will be developed over time. Raph will specifically focus on asset allocation guides leveraging the tools we developed to show you how to construct your portfolio – asset allocation in accumulation phase, safe withdrawal rates in different non-US countries etc.
BackRoll App – First Comprehensive non-US Backtesting Tool With Centuries of Quality Data. Because Data Determines The Quality of Tools.
330+ years of market history, in your own currency. Most backtesting tools start in the friendly decades and quietly assume you are a US investor. BackRoll does neither.
- Constructed by Raph over the past few years – now in web format
- Powered by Finaeon (Global Financial Data) – Deep Historical, Institutional-Grade Data
- Three Centuries of Global Equity Index, Bonds and Commodities
- Currency Hedged Government & Aggregate Bonds
- Synthetic Eurozone since 1950
- Leverage modelling / Portable Alpha
- Safe Withdrawal & Perpetual Portfolio Analysis
- What If Simulation – historical stresses applied to today’s portfolios using our factor model
- Supported Currencies: USD, EUR & local before 1950, GBP, CHF, JPY, PLN
- Factor Analysis for non-US Portfolios
- QCed by Raph and a few geeks 🤓 from our community
Show me:
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Three centuries of data, not three decades
Most tools online begin in the friendly modern decades – 1972, 1985, or later. In partnership with Finaeon, BackRoll reaches back through 330+ years of the ugliest markets – WWI, 1929, WWII, the 1970s – seen in your own currency and deflated by your own country’s inflation.
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Built for European and UK investors
Not another US-only tool. BackRoll currently supports investors based in the United States, the Eurozone, the United Kingdom, Switzerland, Japan and Poland, with further countries in progress.
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Global indices, the way portfolios are actually built
Most backtesting tools and withdrawal analyses assume you hold a single country’s equity market. BackRoll uses long-dated global equity indices – Global, Developed Markets, Emerging Markets and others – matching how investors build portfolios today.
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With Historical Context
Understand how running different periods changes the outcomes – with historical context, the pros and cons of different approaches, and data features and limitations.
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Curated, not generic
Our team has put hundreds of hours into mapping asset classes, integrating three centuries of Finaeon data, and constructing several of the simulated series ourselves from academic sources.
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Our Unique ‘What If Tool’
Replays history’s great market shocks against the portfolio you hold today, using the Banker on Wheels Multi-Asset Factor Model – your portfolio’s exposures to equity markets, interest rates, credit and alternatives, estimated across the full history.
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Factor Analyser with non-US features
X-ray your portfolio. Factor analysis including assets in non-US currencies. Equity and fixed income factors.
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Monte Carlo
Block Bootstrap and IID Simulators.
Backtest the decades that actually hurt, in your own circumstances – so you can keep rolling.
Markets Hub App – Understand Market Conditions To Better Design Your Portfolio
Most market dashboards are built for traders. The Markets Hub is built for planners – and it is designed by Raph, a professional portfolio manager. The yields, spreads, valuations and long-term return assumptions behind your allocation decisions, collected in one place and refreshed automatically.
- Powered by 5 different data providers for asset class granularity including Finaeon (Global Financial Data) – Deep Historical, Institutional-Grade Data
- Future Integration with the Portfolio & Wealth Tracker For Your Cash Flow Projections
- 10+ year realistic projections based on market conditions for your financial planning
- USD, EUR, GBP & CHF views
- Government yield curves for dozens of countries
- Fixed Income focus
- Bond ETF Ladder Tool with 120+ ETFs
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Markets Snapshot
The full cross-asset picture on one screen: equities, diversifiers, FX, yields, credit and inflation – in USD, EUR or GBP, from one week to five years.
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Long-Term Return Expectations
Capital market assumptions from BlackRock, Vanguard and Research Affiliates, filterable by currency and horizon – the input your financial plan actually needs.
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Asset-Class Quilt
Two decades of annual returns ranked across asset classes – the single best cure for performance-chasing, in USD, EUR and GBP.
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Equity Monitors
Country performance on an interactive world map, global equity valuations, factor styleboxes and a full VWCE deep-dive.
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Global Yield Curves
10-year yields, spreads and full government curves for dozens of countries – how risky are government bonds, answered with data.
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Credit Monitors
EUR, GBP and USD credit spreads, yields and duration by rating – see exactly what extra yield credit risk buys before you take it.
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Bond ETF Monitors & Bond ETF Ladder Tool
Government, investment-grade and long-term bond ETFs – plus the fixed-maturity scanner and interactive ladder builder with cash-flow projections.
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Inflation & Real Rates
Realised and expected inflation, breakevens and real rates across 14 countries, with contributor breakdowns – the silent variable in every plan.
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Gold Fair Value
Our four-factor gold model – real yields, the dollar, inflation and central-bank buying – actual price versus modelled value.
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UCITS ETF Market
Issuers, launches, assets, geography and sector flows across the European ETF market – the market you actually invest in, not the US one.
Built for planning, designed by a professional portfolio manager. The numbers you need monthly or quarterly, kept fresh every day.
Our Library & Toolbox – Best Curated Resources to Go Further
You do not need to read the whole internet – we already did. The Library and the Toolbox distil decades of investing writing and hundreds of tools into the short list that is actually worth your time, organised by the decision in front of you.
- PDFs collected by our team over the years that really add value
- Asset Allocation
- Wealth
- Retirement
- Personal Finance
- Curated links to sources you can trust – Vanguard, Morningstar, JP Morgan, CFA Institute
- Future Best Weekend Readings picks
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The Investing Library
A structured archive of the best long-term investing resources ever written – academic papers, articles, talks and books – selected for signal over noise, from first principles to advanced topics.
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The External Toolbox
Curated third-party tools I use and recommend – calculators, screeners and data sources – each one vetted, so you skip the hundred mediocre alternatives.
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Organised by decision, not by date
Both are structured the way you actually invest – Getting Started, Short-Term, Long-Term, Fixed Income, Alternatives and International – so you find what matters for the choice you are making now.
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Curated, maintained, pruned
Continuously updated as better resources appear – and pruned when something stops earning its place. A short list you can trust beats a long list you cannot.
Go even further – the best of what the investing world has already written and built, minus the noise.
Portfolio & Wealth Tracker – Your Financial Planning Tool
A private Excel module that lives on your PC – your data stays with you – integrated with the Markets Hub for annual asset-class assumptions. Every 6–12 months we publish the market data you need in the Markets Hub; it feeds the Portfolio & Wealth Tracker so you can build your own projections of net worth and cash flows.
This setup respects your privacy. In hundreds of coaching sessions we have seen how reluctant readers are to hand their financial details to a software company, or to let an app connect to their broker. With the Tracker nothing leaves your machine: no account, no upload, no broker login – you stay in control of your own numbers.
Choose how you pay – Lock in Your price. These prices will never come back.
Every plan gives you the same day-one access – Lifetime additionally includes the future Portfolio & Wealth Tracker.
- Full access from day one
- Every update to the live components included
- Rollers Community – Lifestyle Lounge – member bonus, expected 2027
- Presale price locked while you stay subscribed1
- Renews at €329 – no obligation to renew
- Everything in Annual
- Locked at €819 per three years – forever1
- Fewer renewals to think about & great value
- Everything in Annual
- Use forever – pay once
- Be first to see new beta features
- Portfolio & Wealth Tracker included when it ships – sold separately to everyone else at an indicative €9902
- Lifetime Maths: just over 4½ years of Annual + the Portfolio & Wealth Tracker (€990). Everything after that is free, forever.
- 📈 Presale prices today: €329/yr · €819 per three years · €2,499 lifetime. Lock the presale rate before the presale closes on 15 November 2026.
- ⚠️ These are presale prices only available now: they will rise at public launch and will rise again further as we add resources. Whatever you lock now stays your rate for as long as you remain subscribed.1
- ⚠️ Enrolment opens only a few times a year – not continuously. For new members, prices may adjust at each new opening. The presale window runs 30 September 2026 – 15th of November 2026.
What it actually costs you
Premium Research is a flat fee. It does not grow when your portfolio grows – so the larger your portfolio, the smaller the share it takes. Advisers and robos charge a percentage of your assets.
| Cost per year | €100,000 | €250,000 | €500,000 | €1M |
|---|---|---|---|---|
| Premium Research The subscription – the same €329 whatever you hold | €329 0.33% | €329 0.13% | €329 0.07% | €329 0.03% |
| + Your ETF costs 0.20% – you pay this with or without us | €200 0.20% | €500 0.20% | €1,000 0.20% | €2,000 0.20% |
| = All-in, self-directed | €529 0.53% | €829 0.33% | €1,329 0.27% | €2,329 0.23% |
| Robo-advice 0.50% service + 0.20% fund costs | €700 0.70% | €1,750 0.70% | €3,500 0.70% | €7,000 0.70% |
| Fair advisor 1.00% service + 0.45% fund costs | €1,450 1.45% | €3,625 1.45% | €7,250 1.45% | €14,500 1.45% |
| Expensive advisor 2.00% service + 1.50% fund costs | €3,500 3.50% | €8,750 3.50% | €17,500 3.50% | €35,000 3.50% |
On a €300,000 portfolio, the subscription itself is 0.11% a year. Even counting the ETF costs you would pay anyway, you are all-in at 0.31% – against the 0.50% to 1.00% an adviser charges for the service alone, usually on top of more expensive funds.
| If you start today with… | €100,000 | €250,000 | €500,000 | €1M |
|---|---|---|---|---|
| Instead of robo-advice | +€64,526 | +€206,287 | +€442,555 | +€915,091 |
| Instead of fair advisor | +€184,165 | +€505,385 | +€1.04M | +€2.11M |
| Instead of expensive advisor | +€409,016 | +€1.07M | +€2.17M | +€4.36M |
The Premium Research figures follow the switch above: with VAT for individuals where it applies, without it for companies. Assumes 7% annual growth before costs, fees compounding annually, and no withdrawals. Fund costs assumed at 0.20% for self-directed and robo portfolios, 0.45% for a fair advisor and 1.50% for an expensive one – the same assumptions as our coaching value calculator. Illustrative only: the subscription buys research, not a return.
Estimated VAT above for individuals. VAT ultimately depends on your billing country and is confirmed at checkout. If you are a B2B client or believe you may be VAT-exempt, please contact us at contact@bankeronwheels.com before proceeding with the payment, so you can proceed without VAT.
The price lock covers your Premium Research subscription. Separate Portfolio & Wealth Tracker Excel add-on will be priced independently in the future, indicatively at €9902; Lifetime includes the Tracker.
1 We aim to keep these prices locked forever. The one exception is very high inflation: prices remain the same unless cumulative inflation between your purchase and the renewal date exceeds 20%, in which case we will adjust the renewal price – but only to match average inflation in Europe/UK – not more, as long as you locked your price. Although we may keep it, we reserve the right to remove the price lock for future intakes, so the initial intakes could be the only ones providing this guarantee.
2 Indicative price – subject to change once the tool is created.
Roadmap and Timeline
What is open, what is live and what is still being built, quarter by quarter.
- Enrolment open
- Live
- In development
Dates after the presale are indicative and may move as the pack grows. Presale prices stay locked for as long as you remain subscribed. *€990 is an indicative price for the Portfolio & Wealth Tracker add-on; the final price may be higher. It is billed separately unless you choose Lifetime which includes it.
Frequently Asked Questions
Is FREE Banker on Wheels Changing?
Just to make this clear – the free Banker on Wheels site is not changing. Our mission to educate society is at the heart of everything we do. Everything that is free today stays free – the guides, the calculators, Weekend Reading and the free Wheelers account. We will continue to produce free content for the wider public. We spent nearly 7 years writing guides completely for free, and this is core to our mission. Premium Research is a separate, additional layer for those who want to go deeper and are more into portfolio construction topics – for example, they need more than just a 100% equity portfolio in their early 20s. They are in their 30s, 40s, or in retirement, and need more sophisticated tools & guides.
What exactly do I get on day one?
Four of the five pack components are live today: the Premium Guides, the Markets Hub monitors, BackRoll and the Library + Toolbox – plus every update to them as we ship it. The fifth component, the Portfolio & Wealth Tracker, is in development and expected in 2027/28. It is billed separately, unless you have Lifetime.
Can New Members Subscribe at any time?
No, Rollers intakes are periodic. We aim to have a smooth on-boarding process. To allow for this, new members join in groups, when we make on-boarding available. The presale window runs 30 September 2026 – 15th of November 2026. Onboarding new members takes a lot of our resources, so going forward we will mainly be in production mode – expanding the premium resources and tools – and from time to time we will take a break to onboard new members. That’s operationally much more manageable for a family-run site.
Will the price really rise?
Yes. These are presale prices. The price rises at public launch and may rise further at future enrolment windows as new resources are added to the pack. Subscribing during the presale locks your rate for as long as you remain subscribed. Although we may keep it, we reserve the right to remove the price lock for future intakes, so the initial intakes could be the only ones providing this guarantee.
Do you offer discounts?
We have a no-discount policy. Prices may only be revised upwards. We think discounts would be unfair towards clients that paid an earlier price. In fact, we think that a fair policy is based on trust. We value readers that trust us early, and so the service will be cheaper the earlier you buy. Longer terms are priced lower per year because you commit for longer. That is a term price, not a discount, and it never changes.
Is the Portfolio & Wealth Tracker included in my subscription?
It is a separate add-on module, priced separately for Premium Research members when it ships – a private Excel file that lives on your PC, integrated with the Markets Hub for annual asset-class assumptions. Lifetime members get it included.
What is the Rollers Community?
The Rollers Global Expat & Nomad Community is a member lifestyle forum – travel, expat/nomad life, personal finance products used abroad, and family aspects of living globally – expected during 2027, starting with the Rollers Community – Lifestyle Lounge. It is deliberately not an investing forum – for now. That’s because moderating such a forum is often a full-time job. We may expand that in the future as we grow, but it hasn’t been decided yet.
I reason in USD (e.g. Singapore or Middle East-based) – is this built for me?
Premium Research was built first for investors outside the US, because that group is underserved elsewhere – which is why so much attention goes to EUR/GBP/CHF, UCITS ETFs and cross-border questions. That said, a USD-focused investor – in, say, the Middle East or Singapore – still gets plenty: the allocation frameworks, BackRoll (which runs in USD) and the Markets Hub all apply. The UCITS ETF research also applies to them.
I’m subscribing during the presale in October – when does access actually start, and do I use my existing login?
The presale locks your presale price; it doesn’t switch access on early. The four live components (Premium Guides, Markets Hub, BackRoll and the Library + Toolbox) open for the whole presale group on go-live day, 16 November 2026. You keep the same account you already use – Premium unlocks on top of your existing Banker on Wheels login.
Is it worth it if my portfolio is still fairly small?
It’s a flat €329 a year, not a percentage of your assets – so the smaller your portfolio, the bigger a bite that flat fee is in percentage terms. On a €100,000 portfolio it’s about 0.33% a year; on €20,000–€30,000 it’s a much larger share, and our free content probably covers what you need at that stage. The value case gets stronger as your portfolio grows and a single avoided mistake is worth multiples of the fee.
I’m retired and drawing down my portfolio rather than adding to it – is this still useful?
Yes. BackRoll is built for both accumulating and decumulating investors – it includes Safe Withdrawal Rate and perpetual-portfolio analysis specifically for people approaching or in retirement, and retirees are explicitly part of who this is for. One note: the standalone Asset Allocation tool is geared toward long-term accumulation, but all other features: withdrawal, drawdown and ‘what if’ stress analysis live in BackRoll and are also for decumulation.
Who actually writes Premium Research, and what’s the track record behind it?
The guides are written by Raph, the same person behind almost seven years of the free site’s independent, evidence-based work. If it carries the Banker on Wheels name, it came from the same hands you already know, taken deeper into portfolio construction. One honest caveat we won’t dodge: better frameworks and data raise the quality of your decisions, but no track record – ours or any strategy’s – is a promise of future returns.
What happens if Banker on Wheels shuts down – especially if I’ve paid for Lifetime?
It’s a fair question, and the honest answer is that ‘Lifetime’ means the life of the service, not a personal guarantee that outlives the business. We’ve run Banker on Wheels for almost seven years and Premium Research is now core to what we do, so we intend to be here for the long haul. To be completely transparent, we launch Premium also because we want Banker on Wheels to thrive for another decade(s), and the blogging landscape has changed so much since the first launch of ChatGPT that Premium is necessary for Banker on Wheels (as a whole) to not only survive but become even better. We aim to continue being the leading site for non-US investors.
Do I need to install any software, and does it work on my phone?
Nothing to install. The Guides, Markets Hub, BackRoll and Library + Toolbox all run in a normal web browser – you sign in at bankeronwheels.com and use them on whatever device you’re on, phone and tablet included. A quick check of yields, valuations or the market snapshot reads fine on a small screen. The only exception is BackRoll, which packs a lot of data and controls onto the page, so you’ll only get the deeper analysis on a laptop or desktop. The other exception is the future Portfolio & Wealth Tracker, which is a downloadable Excel file.
I can’t commit before 15 November – is there a waiting list, and how will I hear when the next intake opens?
If you miss the presale, the next chance to join is the Q1 2027 intake, and it costs more – €379/yr, €949/3yr, €2,799 lifetime. Enrolment is genuinely closed in between (16 Nov – 26 Dec 2026), so there’s no back door to the presale rate once it shuts. Next windows will come in 2027 with likely higher prices.
Can my partner or household share one subscription, and can I use it on more than one device?
Premium Research is a personal, single-user subscription – using it yourself across your own devices (laptop at home, phone on the move) is completely normal and expected. Sharing one login across unrelated people isn’t the intent, and the Rollers community, when it launches, will be tied to your individual account. In practice a couple running a single household portfolio from the same login is fine as long as you manage this within your household. Sharing outside the household is a breach of our terms and conditions.
When Do New Rollers Intakes Take Place?
We have not defined the frequency of intakes. At the beginning it may be a couple of times per year. Above everything, we aim to ensure the best experience to our members. Our goal is to create the highest quality individual investor community in Europe, not to increase the numbers at the detriment of a great experience for our long-standing supporters.
What happens if I cancel and come back later?
The price lock applies while you remain subscribed. If you cancel and resubscribe later, the price at the time of resubscription applies.
What is the Portfolio & Wealth Tracker?
The Portfolio & Wealth Tracker is a privacy-conscious tool we started developing so you can pull all your finances into one place without that data sitting on third-party servers. The idea is that every 6-12 months we provide you with all the necessary market data in the Markets Hub which feeds into the Portfolio & Wealth Tracker so you can build your personal projections of Net Worth and Cash Flows. This setup also respects your privacy. We are still working on the exact design; roll-out is expected in 2027/2028.
How often is new research published?
There is no fixed schedule. New guides, dashboards and updates are added when they are ready and add clear value – quality over quantity, not an arbitrary calendar.
Do you give personal investment advice?
No. Premium Research is built for investors who want to think for themselves – you get the frameworks, research and tools, and you make the decisions. If you want personalised strategy, that is what 1-on-1 Coaching is for. But even coaching is dedicated guidance, never financial advice.
Are refunds available?
Given the nature of digital content, refunds are not available. If after your first year the research has not earned its place in your process, simply do not renew – no questions, no penalties.
Can I purchase the items separately?
No, the package works as a whole. Guides are a starting point, and small tools supplement them. Then we have the apps – BackRoll and Markets Hub – which are also fully integrated. For instance, all future asset allocation guides will have the option to open a specific scenario in a tool and fine-tune the assumptions to suit your personal needs.
Do I have access to Raph for individual investing questions?
No, this is a DIY kit which will hopefully provide you with most of the answers to your questions. Raph has no capacity to respond to individual questions – that is what the coaching service was developed for. However, Raph will always be very attentive to feedback, and we will try to incorporate your challenges into future tools and guides.
When does my subscription start if I subscribe today?
Our Premium platform opens on the 16th of November so the annual and three year packages will run from that date, even if you sign up earlier. Your package will expire 1 or 3 years after the 16th of November 2026, not the earlier date you subscribed.
Do you plan to add additional currencies?
Yes, we are planning on rolling out a series of additional currencies in the coming months, which will include their own inflation series.
Can I upload my own data series into BackRoll?
This is a question we received over the past couple of days so it hasn’t been incorporated yet, but it’s a feature that will be available soon.
Is Premium Research just for expats and nomads, or for everyone?
For everyone. Premium Research is built for every serious long-term investor – particularly those investing outside the US. The guides, monitors and tools cover asset allocation, ETFs and portfolio construction for anyone building a portfolio in EUR, GBP, CHF, PLN and beyond. Expat and nomad aspects – cross-border investing, US ETFs for Europeans, multi-currency planning – get special attention because they are underserved elsewhere, but you do not need to be an expat to benefit. We of course cover the US angle too – but it is not why Premium Research was created. Only the future Rollers community has an expat & nomad lifestyle focus, as well as some future lifestyle guides about living and retirement abroad or investing aspects related to that.
What investors say about Banker on Wheels*
“The level of granular detail and the systematic approach to evaluating assets are truly first-class. It has now become my go-to resource.”
Phil, UK
“This is one of the best places for people seeking knowledge about investing. Background and knowledge of authors are impressive. All of that was served in simple manner.”
Jaroslaw, Poland
“Raph is excellent. Hyper-prepared, honest, transparent, approachable. He has the ability to turn complex subjects into simple explanations.”
Leonardo, Belgium
* Testimonials gathered from Coaching sessions as Premium Research is a new service. Premium Research Content aligns with the same principles.
Subscribe to Premium Research
You don’t need to outperform the market to make €329 worthwhile. You need to avoid one expensive mistake.
We spend a lot of time showing you how small recurring costs compound against you, so it would be odd to ask you to ignore one. Here it is straight: Premium Research is a fixed €329, and it buys the research that catches what quietly costs multiples of that – ignored aspects of asset allocation, the wrong ETF structure, hidden counterparty risk, cost or tax drag, or risks that only surface in a crisis. A single fix can be worth tens of thousands (see what a fraction of a percent leak does over a decade →). You also get full access to our investing tools – and every update to the live components as we ship it.
- Premium ResearchOur Premium Guides You Can’t Find Anywhere Else
- BackRoll by Banker on Wheels AppEurope’s First Complete Backtesting Tool With Centuries of Data
- Markets Hub by Banker on Wheels AppAdjust Financial Plans Taking Into Account Market Conditions
- Investing Library & ToolsStructured archive of the best long-term investing resources
- Asset Allocation ToolAllocation helper and its guide
- Rollers Community – Lifestyle LoungeThe first room of our Global Expat & Nomad lifestyle community (expected 2027)
Prices rise from here. Presale prices are the lowest this service will ever be – lock one in and it stays yours.
- €329pay annually Annual Presale price – locked while you stay subscribed.* Your choice
- €819pay this amount every three years Three years Pay two years, get the third at half price – locked forever.* Your choice
- €2,499pay once, keep rolling forever Lifetime All of it, permanently – including the Portfolio & Wealth Tracker. Your choice
⚠️ If you are a B2B client or believe you may be VAT-exempt, please contact us at contact@bankeronwheels.com before proceeding with the payment.
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