Investing
Clear guides on how your money grows: interest, compounding, saving and deposits.
What is compound interest? A simple guide with examples
Compound interest is interest that earns interest on the interest already accrued. We explain the concept, the formula and a worked example, in plain language.
7 min readWhat is an ETF?
What an ETF is, how it works, passive management and the TER, accumulating vs distributing, and UCITS ETFs, with a worked example. A beginner's guide.
6 min readHow to calculate investment return
Learn how to calculate investment return: total and annualised return, nominal vs real value, and the effect of monthly contributions, with worked examples.
4 min readWhat are IRR and NPV and how are they calculated?
What IRR (internal rate of return) and NPV (net present value) are, how to calculate them and decide whether an investment is worth it. With a worked example.
4 min readWhat is the FIRE movement and financial independence
What the FIRE movement is, how the 4% rule works, how much you need to be independent and how long it takes to get there, with worked euro examples.
5 min readThe 50/30/20 rule: how to build a household budget
What the 50/30/20 rule is, how to split your income between needs, wants and savings, and how to adapt it when housing is expensive, with euro examples.
3 min readWhat are dividends and how to work out the yield
What dividends are, how to work out the income you receive, dividend yield and yield on cost, and how they are taxed in Portugal, with euro examples.
4 min readWhat is an emergency fund and how big should it be
What an emergency fund is, how big it should be (3 to 6 months of expenses), how to calculate it and where to keep it, with a worked example in euros.
4 min readWhat is a term deposit? A simple guide with examples
What a term deposit is, how the interest works, the 28% tax and the €100,000 deposit guarantee in Portugal, explained simply, with a worked example.
7 min readWhat are Certificados de Aforro and how does Série F work?
What Portuguese savings certificates are, how the Série F rate works, the permanence premium and the 28% tax, in plain language, with a worked example.
7 min readSavings Certificates and IRS: how the interest is taxed in Portugal
How interest on Savings and Treasury Certificates is taxed for IRS: the 28% rate, withholding at source, declaring it and when aggregation pays off.
4 min readWhat is inflation and how does it affect your savings?
What inflation is, how INE's CPI measures it, what it means for your purchasing power and how to protect your savings, in plain language, with an example.
6 min readHow to build a savings plan (and how much to save each month)
How to build a savings plan step by step: set a goal, work out how much to save each month, choose where to keep the money and use time to your advantage.
7 min read
The content is educational and does not constitute financial advice.