European investing, decoded by an insider
Invest like you mean to keep it.
Honest broker reviews, real fee and FX analysis, and ETF guides, written by someone who spent 12 years inside retail brokerages. We help you build wealth you keep, not help you trade.
- ✓ 12 years inside brokerages
- ✓ Rankings never bought
- ✓ Fees verified from source
- ✓ UK + EU + expat coverage
European Investing Hub
Broker comparisons, UCITS ETF research, and tax-efficient investing by country.
ETF & Wealth Automation
Savings plans, recurring & fractional investing, portfolio construction, FIRE.
Trust & Transparency
Fee, FX and execution-quality analysis. How brokers actually make money.
Free decision tools
All tools →Tools that give you an answer for your situation, not a generic top-10 list.
Broker comparison
Filter EU and UK brokers by cost, FX and goal.
Fee calculator
What fees quietly cost you over 30 years.
FIRE calculator
Your financial-independence number and date.
FX fee comparison
What currency conversion costs at each broker.
UK ISA fee calculator
The cheapest ISA platform for your pot size.
Portfolio analyzer
Your total cost, allocation and concentration.
What do fees actually cost you?
Drag the sliders. This is the number brokers and fund providers would rather you didn't see.
At 0.6% annual fees, you hand over €34,095 over 30 years, 11.1% of what your portfolio could have been. This is why a €0 savings-plan broker and a low-TER UCITS ETF matter. Illustrative; not advice.
Top-rated brokers
See all →Latest guides
All guides →Interactive Brokers Fees Explained: What You Really Pay (2026)
Interactive Brokers (IBKR) is the low-cost choice for global and multi-currency investors. Every IBKR fee in plain English: commissions, the very cheap currency conversion, custody and data, from an ex-brokerage insider.
InvestEngine Fees Explained: What You Really Pay (2026)
InvestEngine offers genuinely free DIY ETF investing in a UK ISA or SIPP. Every InvestEngine fee in plain English: the £0 DIY platform fee, the optional 0.25% managed service, FX and fund costs, from an ex-brokerage insider.
Trade Republic Fees Explained: What You Really Pay (2026)
Trade Republic markets itself as commission-free, so what does it actually cost? Every Trade Republic fee in plain English: savings plans, the €1 trade fee, FX and the spread, from an ex-brokerage insider.
Trading 212 Fees Explained: What You Really Pay (2026)
Trading 212 is genuinely commission-free, so where is the cost? Every Trading 212 fee in plain English: the 0.15% FX fee, no platform fee, interest on cash and how it makes money, from an ex-brokerage insider.
Accumulating vs Distributing ETFs: Which Should You Choose?
Accumulating ETFs reinvest dividends; distributing ones pay them out. What that means in practice, why your country's tax rules usually decide it, and how to choose for growth or income.
Best All-World ETF for European Investors (2026)
A single global ETF is the simplest core for a long-term portfolio. The main UCITS all-world options compared: FTSE All-World vs MSCI ACWI, accumulating vs distributing, cost and how to pick.
Built by someone who sat on the other side of the desk
Twelve years inside retail brokerages, turned into plain-English guides and tools. We explain how the industry really works so you can keep more of what you earn, and we tell you how we make money, openly.