Topic hub
Costs & fees
TER vs spreads vs taxes — what actually matters.
Open →EU-focused • UCITS-first • No hype
Start here
If you are new to ETFs, follow this order. It keeps the learning calm and prevents overwhelm.
Already comfortable with the basics? Open the full 7-step Guide or use Calculators.
The beginner plan
In ~30 minutes: what to do next
- Read Step 1/7: ETF basics (what ETFs are, what they aren’t).
- Read Step 2/7: Diversification (why simplicity wins for beginners).
- Pick a simple template: Portfolio templates (100/0, 80/20, 60/40).
- Choose a core ETF: Core ETF checklist (UCITS, TER, accumulating, size).
- Learn the mechanics: How to buy ETFs (limit orders, spreads, DCA).
After that, the calculators/tools help you test assumptions without guessing.
Topic hub
Choose a core ETF
A calm checklist for picking your first UCITS ETFs.
Open →Topic hub
Broker basics
Fees, safety, and how to buy without mistakes.
Open →Before investing
Emergency fund (quick check)
3–6 months of essential expenses is a strong baseline (more if income is unstable).
If you want a quick number, use the tool:
Emergency fund tool →Numbers, calmly
Use calculators after the basics
Try scenarios with all-in drag (fees + taxes), contribution growth, and withdrawal sequence risk.
Open calculators →Stay in the loop
Join updates
Get a note when new beginner content ships, or send a question. Calm, no spam.
Join / Contact →Common pitfalls
What beginners often get wrong
- Overcomplicating too early (too many ETFs, too much tinkering).
- Ignoring total costs (TER + broker fees + spreads + taxes over time).
- Using one return assumption instead of testing a range.
- Underestimating sequence risk when planning withdrawals.
ETFCompass is built to reduce these mistakes with a calm, repeatable path.