ETF investing for Europeans, done properly
The right UCITS fund, a safe low-cost broker and the tax set-up for your country. 600+ free guides, 30+ calculators and one paid course, written by an investor who uses them, not a marketing team.
Already investing? See the Masterclass, the full system from fund choice to first purchase, or open the free tools.
Pick the question you have today
Every path below is free, written for investors who live in Europe and buy UCITS funds, and ends with a concrete next step.
New to ETFs
The beginner roadmap: what a UCITS ETF is, which fund to start with and how to make the first purchase without mistakes.
Open the roadmap →Choose a safe broker
Reviews of 11 European brokers, 24 country-by-country broker guides, and what actually happens to your ETFs if a broker fails.
Compare brokers →Compare ETFs
VWCE against every all-world rival, plus a comparison tool that checks TER, domicile, tax drag and overlap.
Compare funds →Build dividend income
The dividend ETF hub for Europeans: Irish-domiciled picks, withholding tax and payout calendars.
Read the dividend hub →Get your country’s taxes right
20+ country tax guides, from German Vorabpauschale to Irish deemed disposal, with worked examples.
Find your country →Plan financial independence
Coast FIRE, safe withdrawal rates and how long your money lasts, with European assumptions, not American ones.
Run the numbers →Calculators built for European investors
No sign-up, no spreadsheets to download. The six readers use most, out of more than 30.
The European Index Investor Masterclass
Everything the free guides cover, in order, for your country, until your portfolio is running. 55 short text lessons, each ending with one action step. No videos to sit through.
- Fund choice made mechanical: the 7-filter system and ready portfolio templates by risk level
- The tax chapter nobody else writes: briefings for 30+ European countries with worked examples
- Brokers and execution: a safety framework, fee anatomy and your first purchase, click by click
- Workbook, portfolio tracker, tax cheat sheets and broker checklist included
See what’s inside → Read a lesson free
Sold by Aurum Digital Marketing Ltd. Every lesson title is listed openly on the course page.
The guides readers found on Google last month
Ranked by real clicks from search in September 2026. Every guide names its sources and is updated when funds, fees or tax rules change.
Leaving Trade Republic: how to move your ETF portfolio
Broker transfers, step by step2Best ex-US ETFs for European investors
Diversify away from a US-heavy core3Scalable Capital vs Trade Republic
Which German neobroker fits your plan4How to legally buy US ETFs from Europe
PRIIPs, KIDs and the real workarounds5Trade Republic ETF list 2026
Is your ETF available?6Invesco vs Vanguard FTSE All-World
Cost and tracking, compared7Money market ETFs on Trading 212
CSH2 vs the cash interest8Top 5 Irish-domiciled ETFs for dividend hunters
Why Irish domicile matters for payouts
One investor, his own money, and every source named
I am Kestutis Balciunas. I have invested my own money in UCITS ETFs and a dividend sleeve for more than 11 years, the boring Bogleheads way: monthly purchases, a world index, no panic selling. I started this site in 2022 to publish the resource I wished existed when I opened my first ETF account as a European.
I am not a regulated adviser and nothing here is personal advice. What you get instead is a published method, a public corrections log and an honest line between education and recommendation.
Site operated by Aurum Digital Marketing Ltd, Companies House 15203665, registered in England & Wales. Read the full biography.
The brokers I have tested, and a tool to price them for you
EU Broker Fee Comparator
Enter your portfolio size, monthly amount and whether you buy USD-listed ETFs. The tool ranks 10 brokers, including Trade Republic, Interactive Brokers, XTB, DEGIRO, Trading 212 and Saxo, by your total annual cost: commission, FX and custody.
Global multi-currency broker with the widest market access; best for larger or more advanced portfolios.
Open account →Read my review →German neobroker built around monthly ETF savings plans.
Open account →Read my review →Large commission-free ETF savings-plan range for EU investors.
Open account →Read my review →Polished app with commission-free EU ETFs up to a monthly limit.
Open account →Read my review →Premium bank-backed broker with deep multi-asset and global market access.
Open account →Read my review →EU-regulated broker with a broad range of exchange-listed ETFs and stocks.
Open account →Read my review →Zero-commission stocks and ETFs; a usable starter, not my core pick.
Open account →Read my review →Commission-free ETFs, pies for automation and a UK ISA.
Read the review →Deeper work, when you want it
Tax & Broker Toolkit · €19
Tax cheat sheets for 30+ European countries and a one-page broker due-diligence checklist. Instant PDF; the €19 counts towards the Masterclass.
Get Dividends · paid Substack
My own dividend portfolio walk-throughs, payout tracking and broker tests, published for paying subscribers.
Visit Get Dividends →Two more free downloads
The ETF Comparison Workbook (10 pages: TER, domicile, withholding and overlap checks) and the Dividend Portfolio Starter Sheet (8 pages).
Browse free resources →Before you read further
Is this financial advice?
No. Everything on this site is educational content. I am not FCA-regulated and not a licensed adviser. Check with a licensed adviser in your country before acting on anything you read here.
Do you make money from broker recommendations?
Sometimes. Some broker links carry a tracking parameter, and if you open an account the broker may pay a referral fee. You never pay more for it, and no broker pays for editorial placement or ratings. The detail is in the affiliate disclosure.
Why is there no FCA licence?
Because this is an independent publication offering education, not a regulated firm offering personalised advice. That line is exactly what regulators care about, and the site stays on the educational side of it.
Can I republish your articles?
Short excerpts with a link back to the original are fine. Full republication is not. See the terms and conditions.
Your first ETF decision, made simple
The free Starter Kit covers the fund, the broker and the mistakes to avoid, in about 25 minutes of reading.