Four layers, one principle
Structure first, then returns.
Interactive web guide · for beginners
Let’s talk finance
Investing isn’t rocket science.
Costs, world portfolio, 20 years of market history – click through at your own pace.
From Austria, for Austria
What’s inside
Six chapters. Zero jargon.
The cost calculator
One percent sounds small. Over 20 years it’s a fortune.
1% ≈ 30%
less fee ≈ more wealth after 30 years
20 years of market history
From Lehman to Liberation Day – click through every crisis.
The proof
Staying invested beats timing. Simulate it yourself.
Bonus building blocks
Net-cost wrapper, gold, foreign currencies – with a worked example.
My practice
How I invest myself – including real positions.
Who is it for?
For anyone just getting started.
- No prior knowledge needed
- About a 6-minute read
- In German and English
- With calculators to try yourself
Good to know
All content is general information and education – not investment advice. Tax rates, deadlines and providers refer to Austria. If you live elsewhere, please check the details for your country.
Quick questions.
Is this investment advice?
No. The guide explains the basics and shows a real-life example. It is not a personal recommendation and does not replace advice.
Does the guide apply outside Austria?
The core principles do. Taxes, deadlines and providers are geared to Austria, though – please double-check for your country.
Why are real positions shown?
Because real-life examples are more tangible than theory. The positions are personal examples, not a recommendation to copy.