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.
He trained as a programmer and works as one, which is why this site is a set of tools as much as a set of guides: where a guide makes a claim about what something costs, the calculator that computes it sits in the same section, so a reader can put their own numbers in rather than take his on faith. He has spent years reading about index funds and ETFs — fund documentation, prospectuses and KIDs as much as books.
What he writes about is the practical side of investing from Europe: choosing between accumulating and distributing share classes, what a fund's domicile does to withholding tax, and what a fund actually costs to hold over decades rather than over a year. His own portfolio is built around broad US and global index trackers, including Vanguard's S&P 500 UCITS ETF (VUAA). Every method described here is one he runs on his own money first, rather than one he has only read about.
- Guides published
- 11
- Minutes of reading
- 161
- Writing here since
- 2026
Writes about
- UCITS ETFs for European investors
- US equity index investing
- The cost of investing from Europe
- Index-investing practice, run on his own portfolio
What he is not
Writing software is not a financial qualification, and it is not presented as one here. George is not a licensed adviser and is not regulated by any supervisory authority. Nothing he publishes is a personal recommendation, and none of it takes account of your circumstances.
Guides by George
Newest first- 01Lump sum or monthly? What to do with money you already haveYou have €30.000 and a fund in mind. Investing it at once wins about two times in three, and splitting it buys something real in the third. What each choice costs, what history says about it, and how to split without it turning into waiting.8 min
- 02Wealth accumulation with UCITS ETFs: what the monthly contribution actually doesA plan of €300 a month for thirty years pays in €108.000 and ends at €350.836. Where the other €242.836 comes from, which of the three inputs you control, and what the projection quietly leaves out.12 min
- 03Interactive Brokers alternatives for European beginners (2026)Most people looking for one have diagnosed a cost problem and actually have an interface problem. Here is what European brokers genuinely differ on, who holds your shares underneath each of them, and the protection figure almost everybody reads wrong.13 min
- 04The ETF tax efficiency guide for European investors (2026)Three authorities take a share of an index fund's return and only the last one sends you anything to read. Where the other two are, what they cost, and which of it you can change.13 min
- 05How to build a high-dividend ETF portfolio with €1.000A thousand euros in a fund yielding 3% pays about €30 a year. Here is what that buys, what a dividend screen actually changes in your portfolio, and how to build it without handing the income back in costs.16 min
- 06The ultimate UCITS ETF guide for European investors (2026)One legal framework already settled most of what a European fund is allowed to do. This is what it left open, in the order the decisions arrive: what to own, what it really costs, where to hold it, and what your own country does to the answer.26 min
- 07What does UCITS actually mean?Five letters on the front of almost every fund a European can buy. Not a brand and not a rating — a rulebook about concentration, custody and getting your money back. Here is what it promises, and what it deliberately does not.12 min
- 08VWCE vs IWDA (vs SWRD): the all-world ETF comparison for European investorsThree funds that look like alternatives to one another. Two track the same index and compete on price; the third is a different decision about what you want to own.16 min
- 09TER vs tracking difference: which number actually costs you money?The headline fee is the number every comparison site shows. It is not the number that decides what you keep.15 min
- 10ETFs for beginners: what they are and how to buy your first one in EuropeA plain-English guide to index ETFs for investors buying from Europe — what a UCITS fund is, which numbers actually decide what you keep, and the mistakes that cost people the most.19 min
- 11Accumulating vs distributing ETFs: which should you hold?The same index, two share classes, and a decision that quietly changes your tax bill for decades. Here is how to pick the right one for where you live.11 min