Who is behind

We are a team of millennials that believe in doing the right thing.

The website was founded by Raph Antoine, a Portfolio Manager and Institutional Advisor.

In 2019, Raph left the City of London to cycle the worldRaph crossed 20,000+ km in a touring and bikepacking mode, including Tibet, Japan or Tasmania.

Due to the hospitality he witnessed, he felt a strong need to pay it forward. While his initial goal was to give back through other endeavors, the lockdown in Morocco and an interesting discovery forced him to reconsider the way of contributing. 

The website began as a cycling and investing blog. Hence, its catchy name. 

Raph brings first-hand experience from some of the most prestigious names in the financial industry in London and Paris, where he grew up. He managed multi-billion Global Public and Private Fixed Income Portfolios, Equities and was leading Special Situation projects in multiple jurisdictions, including during the Global Financial Crisis and the European Debt Crisis. 

Raph holds an MSc in Financial Engineering and has obtained the Chartered Financial Analyst Charter (CFA) and as well as other relevant certificates from local regulators.

He speaks French, English and Polish, is brushing up his German and currently learning Japanese.  

Francesca worked as strategic consultant in leading consulting firms, and later in the automotive and pharmaceutical sectors. 

She is in charge of the charities and other ways of contributing to society, travel and personal finance sections and overall strategy.

Francesca grew up in Northern Italy, and lived across several Asian and European countries, including China and the U.K. 

Francesca loves Yoga, Swimming, Travelling and has a strong interest in sustainability and social issues.

Francesca recently restarted cycling when visiting Vietnam.

She speaks Italian, English and Spanish and is working on her Portuguese and French.  

TEAM BOW - Contributors

Ahmed, a CFA level 3 candidate, is a finance professional with extensive experience in Wholesale Banking in South Asia, focusing amongst others on Project Finance and Transaction Banking.

Husband to a beautiful wife who happens to be the mother of three dragons (not Emilia Clarke).

Given the growth of UCITS ETFs outside of Europe, Ahmed brings a view of an Asian Investor that invests through European Products. In addition to being passionate about Passive Investment Strategies, Ahmed also understands the risks and opportunities of the Web3 space.

An avid cyclist, thanks to his eldest. 

He believes the Godfather to be the greatest movie ever made, Pink Floyd to be the best band ever and Lionel Messi as the GOAT in football.

Kathrin is an independent teacher and writer with a keen interest in Personal Finance topics. As a self-employed, she quickly realised that she had to take her financial future into her own hands, so she studied how to save, invest, and plan for Early Retirement. 

Kathrin joined to bring a new perspective as she started her portfolio from scratch in her early twenties and understands the challenges people face when first starting out. 

Kathrin currently lives in London but grew up on the continent and also takes a view of a European reader. 

Kathrin gets around on her foldable and electric GoCycle GX bike.

Romain is a former banker and strategy consultant. Romain is a CFA Charterholder and a Professional Risk Manager (PRM).

Having a strong interest in both Personal Finance and Lifestyle Design, he started researching Financial Independence topics a couple of years ago, and his path naturally led him to

Romain joined the team to share his perspective and experience, aiming to ultimately empower readers to make more informed Life and Financial decisions.

A modern-day explorer, Romain currently spends most of his time around the beautiful worlds of music and philosophy.
During the weekend, he explores the countryside of his native Belgium on a Scott Speedster Gravel.


You can comment on articles, tools and discuss wider investing and personal finance topics using our newly set up community forum.


Running this website is hard work. If you enjoyed it and want us to help others, you can contribute by setting up a coaching session or buying us a coffee. You can also use our Broker affiliate links when opening an account, at no cost to you. Here are all ways, financially and non-financially, to contribute to our growth.


All information found here, including any ideas, opinions, views, predictions expressed or implied herein, are for informational, entertainment or educational purposes only and do not constitute financial advice. Consider the appropriateness of the information having regard to your objectives, financial situation and needs, and seek professional advice where appropriate. Read our full terms and conditions.