About
About Investo24
A one-person research desk writing plain-English guides to UCITS index investing, and building the calculators that go with them. Nothing on this site is monetised.
Last updated
Why I built this
I started out trying to answer one question for myself — which fund do I actually buy, from here, with this tax residence — and found the internet full of answers written for someone in another country. US blogs recommend funds a European broker will not sell you. Fund factsheets assume you already speak the language. Broker pricing pages put the fee that matters on page four.
What was missing was never the theory. Index investing is not complicated, and there is no shortage of people explaining compounding. What was missing was the part specific to doing it from Europe: which share class, which domicile, what the fee does over thirty years rather than over one, and which of it changes depending on where you happen to be tax resident.
So Investo24 is the site I wanted while I was working it out. I write about the funds I hold myself, which I would rather declare than hide: it is the reason I care enough to check the details, and it is also a conflict, so it is disclosed on every page where it applies.
What I stand for
European investors, only
Most fund research online is written for Americans. I cover UCITS funds you can actually buy from Europe, priced in your currency, taxed under your rules, and I leave out the ones you cannot.
Nothing here is monetised
No affiliate links, no sponsored posts, no advertising, no paid placements. There is nothing on this site that earns money when you act on it, which is the simplest form independence can take.
I say when I do not know
Tax rules differ by country and change often. Where an answer depends on your residence, I say so and point you to your own national authority instead of guessing a rate that will quietly go out of date.
How I research a guide
The same five steps behind every guide on this site, and the same standard for any number a calculator prints.
- 1
Start from the decision, not the product
Every guide begins with something a reader has to choose between — accumulating or distributing, the headline fee or the one that actually costs you — rather than with a fund I want to tell you about. If there is no decision at the end of it, it does not get written.
- 2
Go to whoever sets the rule
A regulator, a tax authority, or the fund's own KID, not someone else writing about them. Where a claim carries a source, it carries the date I opened it, at the foot of the section making the claim rather than in a bibliography nobody reads. If I have not read it myself, it is not cited.
- 3
Publish the mechanism, not a number that expires
Fund taxation is amended more often than articles are rewritten, so an unsourced rate does not merely start out unverified. It goes wrong on its own, silently, while still looking authoritative. I explain the shapes a country's rules can take, which are stable, and send you to your own authority for this year's figure.
- 4
Show the arithmetic instead of asserting it
Where a guide makes a claim about cost, the calculator that computes it sits in the same section, so you can put your own numbers in rather than take mine on faith. The fee tool is the example: it does not tell you most of a fee's damage is forgone growth, it computes the split and prints both halves — an eighth of it at five years, two thirds at fifty.
- 5
Date it, and say what is missing
Every page carries a last-reviewed date. With one author there is no second person to fact-check, so no article carries a fact-checked badge. The editorial policy says so plainly rather than dressing a single writer up as a newsroom.
What this site does not do
It does not rate, rank or score funds, and it does not review brokers. There is no star system here and no “best platform” table, because a ranking is only worth the data behind it, and maintaining verified fees, fund sizes and tracking figures across a market this size is a full-time job with a research budget, neither of which one person has.
A ranking nobody is checking does not stay neutral as it ages. It goes stale in a specific direction: whichever product was cheapest the day it was written stays recommended long after it is not. Explaining which number decides the outcome, and handing you the tool to run it on the funds in front of you, is the smaller claim, and one I can actually stand behind.
What I am not
I am not a licensed financial adviser and I am not regulated by any supervisory authority. Nothing on this site is a personal recommendation, and none of it takes account of your circumstances, because it cannot. I do not know them.
My authority here is experience, not qualification: I hold the kinds of funds I write about, and I write about the parts I have had to work out myself. That is a real basis for a guide and a poor basis for advice, and the difference matters when it is your money.
How the site is funded
It is not. There are no affiliate links, no sponsored posts, no display advertising and no paid placements. Nothing here earns money when you read it or act on it.
That is worth stating plainly because most sites in this corner of the internet are funded by referral commission from the very platforms they rank, and a reader is right to ask. If that ever changes here, the disclosure will appear above the first monetised link and on every page carrying one — before the link ships, not after. Until then, my editorial policy sets out what I hold myself to.
Who writes here
- George Lagkonakis · Founder and editor
George is a software developer and a private investor, and the founder of Investo24 — he writes about the funds he holds himself, and builds the calculators that go with them.