Rony Reiad is an economics graduate from Chittagong who took an MSc in Finance and Risk Management at Brighton. He writes and builds everything on this site, the Bangla learning library, the calculators, and the models in the portfolio.
His working view is that financial knowledge in Bangladesh usually fails people at the language step rather than the maths step, and that this is a solvable problem rather than a permanent one.
He read Economics at the University of Chittagong, then moved to the UK for an MSc in Finance and Risk Management at the University of Brighton's School of Business and Law, finishing with an Upper Merit. The interests narrowed along the way: corporate finance, equity research, credit risk, and how markets behave when they are tested with data rather than described with adjectives.
The research followed that instinct. His dissertation (15,000 words) asked whether Islamic funds genuinely carry less risk than conventional UK funds, measuring systematic risk, idiosyncratic risk and drawdowns instead of taking the marketing at face value. A related project built an Islamic fund portfolio in Python and compared its pre- and post-COVID performance against conventional benchmarks, with the analysis and charts automated. A third worked a credit-risk case the way a bank would: liquidity, leverage, profitability, repayment capacity, recommendation.
Alongside that: a quantitative analysis internship with the Summit Equity Society at the University of Essex, industry experience at a corporate legal firm in Eastbourne that included financial fraud investigation, and two years as President of the Bangladeshi Society at Brighton. He worked customer-facing jobs through the degree. Before all of it, Sylhet Cadet College, and a pass through the Bangladesh Navy officers' ISSB selection.
This site exists because financial education in Bangladesh mostly arrives either in English or in textbook Bangla, and neither is how people talk about money. The Learn hub is the attempt to close that gap: every concept in everyday spoken Bangla, every term linked, nothing left unexplained because it was assumed.
Financial risk management, applied econometrics and time-series, investment management, financial theory.
Market and company research, Excel-based analysis, mutual fund research summaries.
Financial fraud investigation, repayment plans and corporate case handling.
Events, charity coordination and stakeholder management for the society's members.
Front-of-house operations and team coordination, worked around a full-time degree.
Islamic against conventional UK funds on systematic risk, idiosyncratic risk and drawdowns, across the pre- and post-COVID periods. The interesting differences turned up in behaviour under stress rather than in headline average returns.
Open the dissertation case study →Portfolio construction in Python with performance compared against conventional benchmarks either side of COVID. Analysis and charts automated, so re-running it on new data is one command.
Open the fund →Liquidity, leverage, profitability and repayment capacity assessed in order, ending in a recommendation that states what would have to change to reverse it.
Open the credit models →Every model has a single assumptions tab, colour-coded, with nothing hard-coded into a formula. Change a growth rate and the whole thing moves, without needing to ask him which cell to edit.
A figure in a summary links back to the calculation, and the calculation links back to its source. Everything on this site works that way, including the models in the portfolio.
Restating jargon in more jargon is easy. Explaining a concept so a non-specialist gets it, without making it wrong, requires understanding the thing properly first.
Risk management leaves a habit behind: give the range, name what would have to be true, and say which input the answer is most sensitive to. Several pages here refuse to produce a number when the inputs don't support one.
Because the decisions get made in Bangla. Someone choosing between sanchayapatra and an FDR is not going to read a forty-page English circular, and shouldn't have to. Most of what is published on Bangladeshi markets is either English and technical or Bangla and promotional. There is very little in between, and that gap is what this site is for.
No, and not as a legal formality. He isn't a licensed adviser, he doesn't know your situation, and the moment a site like this starts recommending instruments it acquires an interest in you believing it. Explaining how something works and telling you what to buy are different jobs; this site only does the first.
It compared Islamic and conventional fund performance on systematic risk and drawdowns across the pre- and post-COVID periods. The short version: the differences worth knowing about show up in how the two behave under stress, not in headline average returns, and the sample of Shariah-compliant funds was too small to have proved otherwise. The whole thing is on this site as an interactive case study, every table and series as submitted.
Yes: financial modeling, data analysis and finance writing, freelance. The portfolio page sets out what that covers and how a project runs, and the contact form reaches him directly.
By hand for two years, and it is moving: the pages you are reading are becoming React components on Next.js, one route at a time, with the writing itself in a database rather than in files. The plan, the reasoning and the things it has cost are in the repository, written down as they happen rather than afterwards.
All three are welcome. The contact form lands straight in his inbox, and he answers within a business day.