About Rational GB
Rational GB is an independent UK personal finance and investing site. We write for people who want money decisions made on evidence, not on someone’s hunch. That means ordinary investors working out which Stocks and Shares ISA or SIPP to use, how platform fees eat into returns over decades, what pension tax relief they can actually claim, and whether an active fund is worth paying for.
We are not owned by a platform, a fund manager, or an advice firm. We take no commission for steering you toward any product. Opinions are cheap, so the evidence is the product.
How we research
Every claim starts with the same question: what does the data say? We work from primary sources rather than other people’s summaries. For the active-versus-passive debate we use SPIVA and Morningstar fund data. For rules on ISAs, pensions, and tax relief we go to FCA and HMRC guidance and quote the figures that apply, such as the 2025/26 ISA allowance of £20,000 and the FSCS protection limits. Where research exists, we cite peer-reviewed finance papers rather than blog folklore.
Our calculators are built on these same rules and tested against worked examples before they go live. Figures are dated, because tax bands, allowances, and fee schedules change. When numbers go stale, we update them.
We do not invent named experts or borrow credentials we do not have. Articles are written and reviewed by the Rational GB editorial team. If we are uncertain, we say so and show the range rather than dressing up a guess as a fact.
Editorial standards
We aim for accuracy first and plain writing second. Sentences are specific: real fund tickers, real fee percentages, real dates. If we get something wrong, we correct it on the page and note what changed, rather than quietly editing the record. We will not recommend a product because it pays us, and we will tell you when the data is thin.
Some outbound links may be affiliate links. Where a provider pays us a referral fee, that fee never changes what we recommend or how we rank it. The comparison comes from the numbers, then we link out.
We follow the data, declare the uncertainty, and never sell you a fund.
