Investing tutoring with Dividario: one-to-one lessons

What is one-to-one investing tutoring?

One-to-one investing tutoring is a set of lessons with a tutor who teaches you how investing works, at your pace and on your questions. Unlike a course, it starts from what you need to decide. Unlike a financial adviser, the tutor doesn't choose for you: you learn to judge an option yourself.

A course gives everyone the same syllabus. Tutoring starts from your situation: the savings you are thinking of investing, the pension choices you don't understand, or the offer that arrived last week. The general ideas still get covered, through your own example.

Our lessons in three tracks are open to everyone to read. Tutoring is for applying them to your own questions, with someone who can check your reasoning.

Who is investing tutoring for?

Tutoring suits adults who want to understand an investment decision before they make it. That might be a first-time investor, someone with an investing account they don't fully understand, someone with an offer in front of them, or someone who wants to research with AI tools without being misled by them.

What can you learn in investing tutoring?

Tutoring covers six areas, in whatever order your questions need: the foundations, reading an investment offer, risk and fees, your own plan, checking a firm or offer, and using AI for research. Each topic ends with something you can use alone, such as a checklist, a set of questions or a written rule.

How do tutoring lessons work?

Tutoring follows four steps. An introductory consultation finds your starting point and your questions. We then suggest a learning plan and agree it with you. The lessons work through your real questions and documents. At the end you keep your own notes and checklist, and every decision stays yours.

1. Introductory consultation

   Email us a few lines about what you want to learn. We reply to arrange a free introductory consultation, where we hear your questions, what you already know and any decision coming up.

2. A learning plan

   We suggest the topics, the order and roughly how many lessons they need. Nothing starts until you have agreed the plan.

3. Lessons on your real questions

   Each lesson takes a question from your plan and works through it with your documents or a worked example. You do the checks; the tutor explains and corrects.

4. Your notes, your decision

   You keep the notes and checklists from every lesson. What to do with your money is your decision, and we encourage you to write down why.

Lessons never need passwords, account numbers or copies of ID, so please never send them.

Can we check a firm or offer together?

Yes. Bring the offer to a lesson and we go through it with you, one check at a time: the firm's entry on the official register, its contact details, signs of a clone, who would hold your money and what the terms say about fees and withdrawals. You run the checks; we teach and correct.

• Is the firm on the official register, for the exact service it is offering you?
• Do its web address and contact details match the register, or is it a clone?
• Who would hold your money, in whose name, and is that firm on a register too?
• What do the terms say about every fee, any lock-in and how you get your money out?
• Which red flags show up in how you were approached?

This is teaching, not a done-for-you check. We don't vouch for any firm or tell you whether to go ahead; the aim is that you can check the next offer without us. The steps are also written out in how to check an investment firm or broker.

If you have already paid and something feels wrong, contact your bank's fraud team first, using the number on your card. A lesson can come later.

What isn't investing tutoring?

Tutoring is not financial advice. We never tell you which investment to buy or sell, how much to put in or when. We never take, hold or manage your money, and we take no commissions from anyone. The lessons are paid by the learner, and that is the only way we earn.

• No advice on what to buy, sell or hold.
• No handling of money: it stays in accounts you control.
• No commissions, referral fees or payments from any firm.
• No promised returns, tips or trading signals.
• No access to your accounts: we never need passwords, logins or codes.

Our important information explains what education does and doesn't cover.

Do you need an investing tutor or a financial adviser?

Choose a tutor when you want to understand an investment and make the decision yourself. Choose a regulated financial adviser when you want someone to assess your whole situation and give you personal advice. Some people use both: tutoring first, so they can ask an adviser sharper questions and judge the answers.

Whoever you choose, check them first. Advisers should appear on your country's official register, and how to check a firm shows how.

Questions about investing tutoring

Ready to begin? Get a consultation and tell us in a few lines what you'd like to learn.