For educational purposes only — not investment advice
Tutorials
Learn to Invest
Step by Step
Practical guides for everyone — from understanding the basics, through building a portfolio, to analysing calculator results.
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12 min read
01 Investment Basics
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Investment basics — everything from scratch
What stocks, bonds and compound interest are, what types of investing exist, how much and when to start — and when to buy or sell.
10 min read
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Risk, volatility and investment horizon
What investment risk is, what price volatility means, and why a long time horizon changes the rules. How to match your risk level to your personal situation.
6 min read
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What is an ETF and how it works
An ETF in plain terms — a basket of many assets in one product. How to buy it, how it differs from an active fund, and what TER means.
9 min read
02 How to Build a Portfolio
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How to select instruments and set allocation
Which ETFs to choose for a portfolio, what allocation percentages mean, and how to check if your portfolio is balanced.
8 min read
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DCA — regular contributions step by step
What Dollar Cost Averaging is, why small regular amounts often beat a one-time lump sum, and how to set it up in the calculator.
6 min read
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Diversification — why not to put all eggs in one basket
How spreading money across different assets, countries and sectors reduces risk without sacrificing returns.
5 min read
03 Taxes and Costs
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Capital gains tax — how it works and what it costs you
What capital gains tax is in Poland, when you pay it, and how much it actually reduces your final investment result.
5 min read
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TER and inflation — the costs that eat your returns
The ETF management fee (TER) and inflation look small at first — but over 20 years they can take tens of percent off your portfolio.
5 min read
04 Analysing Results
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How to read the Monte Carlo chart
What P10–P90 percentiles are, what the median means, and why 1,000 random paths give a better picture of the future than one deterministic line.
6 min read
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Historical crashes — what they teach the investor
What the biggest market crashes looked like, how long it took to recover, and why panic is the worst possible reaction.
7 min read