Investing blog
Clear guides to understand compound interest and start investing well.
Subscribe via RSSInvesting €100 a month
€100 a month for 30 years at 6% is about €100,954, almost three times what you put in. Here are the full tables and what they leave out.
The three-fund portfolio
Three funds, the whole world, a cost under 0.2%. The simplest portfolio that works, adapted to Spanish taxation.
What fees really cost
1.5% a year sounds small. Over 30 years at €300/month, it is the difference between €353,865 and €275,340. Here is why, and how to avoid it.
Inflation and real return
A 2% deposit with 3% inflation does not make you money: it makes you lose it more slowly. Learn how to work out what you really earn.
Pay off the mortgage or invest?
Paying down your mortgage gives you a guaranteed return equal to your interest rate; investing, an expected one. Here is when each wins, in euros and after tax.
Best brokers in Spain 2026
There is no universal "best broker": it depends on whether you buy funds or ETFs. We compare the real fees, linking each official fee schedule.
The cheapest index funds
Ranked by one objective, checkable criterion: total annual cost. With ISINs, and an explanation of why the cheapest is not always the right one for you.
Living off dividends: how much you need
The napkin math (income ÷ yield) falls short: in Spain dividends are taxed from the first euro. Here is the real calculation.
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