QUANTROUTINE
Investing, made clear.
Built on data, not hype.
Practical Learn guides, broker decisions for Europe/non-US investors, and Studies that show how money actually compounds over time.
Educational content only. Not personalized investment advice.
Non-US / Europe? Start with the wrapper + FX decisions first. This is where most of the “hidden” costs live.
A short path from zero to a real portfolio
Learn the core ideas, use decision pages to avoid expensive mistakes, then automate contributions so consistency stops depending on motivation.
Step 1
Learn the basics
ETFs, diversification, fees, taxes, and the minimum you need to stop making expensive beginner mistakes.
Open Learn hub →Step 2
Pick the right decisions
Wrapper (UCITS vs US ETFs), FX workflow, and broker eligibility. This is where non-US investors win or bleed.
Open Brokers hub →Step 3
Verify with data
Studies on fees, DCA vs lump sum, cash drag, and rebalancing so you can choose boring rules that work.
Open Studies hub →Decision pages that save you money (and time)
These are “implementation” guides: eligibility, wrapper constraints, FX leakage, and which broker keeps your workflow low-friction.
EU / UK RETAIL
Best broker for UCITS ETFs (Europe)
The default path for most EU/UK retail investors: UCITS access, clean funding, low FX drag, usable statements.
Read guide →EUR → USD
Best broker for cheapest FX (Europe)
FX is often the biggest hidden cost. This guide is about minimizing conversion leakage and repeated small conversions.
Read guide →S&P 500 UCITS
Best broker for S&P 500 UCITS ETFs (Europe)
If you want a simple “one ETF” core: S&P 500 exposure, UCITS wrapper, and a broker that keeps execution cheap.
Read guide →NON-US
Best broker for US ETFs (non-US)
Reality-first: can you legally access US-domiciled ETFs, and if yes, which broker minimizes FX + funding friction?
Read guide →EUROPE
Best broker for recurring investing (Europe)
Recurring contributions + recurring buys. The point is consistency with minimal ongoing friction.
Read guide →LONG-TERM
Best broker for long-term ETF investing (non-US)
A “keep it for 10 years” broker: global access, low leakage, and a workflow you won’t outgrow.
Read guide →Start with these Learn guides
Each guide pairs with a Study so you can see the effect, not just read the theory.
What is an ETF?
ETFs are the default tool for long-term investors: simple, diversified, and usually cheaper than stock-picking.
DCA vs Lump Sum
The “timing fear” problem, solved with rules. Understand when to deploy cash and when to spread buys.
Diversification That Helps
Real diversification reduces single-point failure. Most people under-diversify and don’t realize it.
Fees Really Matter
The silent killer: compounding works both ways. Small % fees become big € over long horizons.
Broker shortlist (pick the lane you’ll actually follow)
One primary account is enough for most people. The goal is low friction, low leakage, and a workflow you’ll execute.
NON-US DEFAULT
Interactive Brokers
Global availability, multi-currency workflow, and “serious broker” coverage. Not the prettiest UI; often the best practical default.
Disclosure: We may earn a commission if you open an account using our links. You do not pay extra.
US AUTOMATION
M1 Finance
Allocation-first automation. Best if you want rules, not trading. Verify eligibility by residency.
Disclosure: We may earn a commission if you open an account using our links. You do not pay extra.
APP-FIRST TRADING
Webull
Trading-first experience. Fine if you actually want screen time. Dangerous if you claim you want “hands-off”.
Disclosure: We may earn a commission if you open an account using our links. You do not pay extra.
EU POPULAR
DEGIRO & Trading 212
EU-first options many people compare. Use the reviews to confirm fees, custody structure, and real FX/spread costs.
Keep research separate from execution. TradingView gives watchlists, alerts, and clean long-term charts. Execute your plan at your broker.
Disclosure: We may earn a commission if you subscribe using our link. You never pay extra.
Broker comparisons (when you’re choosing A vs B)
Use comparisons only after you’ve confirmed eligibility. Many “best broker” debates are fake because the account isn’t available to your residency.
COMPARISON
Fidelity vs Interactive Brokers
Traditional US broker vs global multi-asset core. Costs, access, and who each fits.
Read comparison →COMPARISON
Fidelity vs Schwab
Two strong US brokers. Differences show up in product lineup, account fit, and user workflow.
Read comparison →COMPARISON
Webull vs Interactive Brokers
App-first trading vs global broker depth. Behavior risk vs capability.
Read comparison →COMPARISON
M1 Finance vs Interactive Brokers
Automation-first portfolios vs global broker control. Simple rules vs maximum flexibility.
Read comparison →Built on data, not hot takes
Studies use clear rules, disclosed assumptions, and repeatable methods.
- • Methods and assumptions shown in each study.
- • Fees and friction called out where applicable.
- • Decision pages prioritize eligibility + real-world execution.
Stay in the loop (slowly)
Occasional emails when new guides, money decision pages, or broker updates drop. No daily noise.
Subscribe to the newsletter →You can unsubscribe any time. Educational content only; not personal advice.