Too busy to become an expert.
Too smart to stay in cash.
A plain-language guide to investing from Europe, where every term is explained before it is used, and the strongest case against every argument is stated fairly before the verdict.
The one-page plan
Chapter 12 asks you to write your whole portfolio on a single page: your split, what each holding is for, what you contribute, when you rebalance, and — the two that matter most — what you will do when the market falls thirty per cent, and what would legitimately change your mind.
This is that page, as a printable template. It is the same one described in the book, and it is free. No email address required, no form in the way.
Download the template (PDF, one page)
Written calmly, in advance, for a version of you who will not be calm.
The book
One idea runs through all of it: investing works like physical training. Risk is the weight. Time is the programme. The results go to the people who keep showing up.
By the last page you will be able to:
- Build a globally diversified portfolio from scratch — from anywhere in Europe, with the funds your platform actually sells
- Know exactly what to do when markets fall 30% — decided calmly, and in advance
- Walk past the products, yields and stories designed to part you from your money
No stock picks. No predictions. No promises of speed — speed always has a price.
Oscar Rojas Casanova, CFA, has spent sixteen years inside the industry — BBVA, UBS, Vanguard and N26 — and got tired of watching ordinary European savers be either ignored or fleeced.
The occasional letter
A few times a year, when there is something genuinely worth saying: a correction to the book, a figure that has drifted, or a piece of the argument that a reader made better. Not a newsletter about what markets did this week — the whole book argues that is noise.