Index Funds

Index Fund or ETF: Why the Fund Usually Wins in Spain (and the Condition Almost Nobody Checks)

September 8, 2026

If you’ve read anything about passive investing, you’ve probably come across this idea: an index fund and an ETF tracking the same index are, in practice, the same product with a different wrapper. Similar fees, same diversification, same “don’t try to beat the market” philosophy. And up to that point, it’s true.

What almost nobody spells out with the same detail is that, in Spain, they’re not taxed the same at all. One lets you move your money from one place to another without paying tax along the way. The other doesn’t. And the advantage of the first one is only real if a very specific condition is met, one that most people don’t even know exists, let alone check.

How to Start Investing from Scratch (Even If You Know Nothing About the Stock Market)

May 3, 2026

Investing feels a little daunting at first. Some people put it off for years because it seems too complicated, too risky, or too much of a “rich person’s game”. Meanwhile, their money has been quietly losing purchasing power sitting in a current account.

This article is for that person. No unnecessary jargon, no promises of magical returns, and no hidden sales pitch.

Why invest if I already have savings?

Because money sitting idle in a current account loses value over time. If inflation runs at 3% a year and your savings earn nothing, in ten years your purchasing power will have dropped significantly, even though the number in your account stays the same.