Grow your snowball. Don't let fees melt it.

See how index funds, time and low fees build wealth.

Make your first 10K →
How does the snowball effect work?

Investing 100 EUR a month at 9% a year.

Make your first 10K

See how long each milestone takes – and how fast they come once the snowball is rolling.

Invest monthly350 EUR
Annual growth9%
MilestoneReached after

Start portfolio value Money you’ve already got invested today. Leave at 0 if you’re starting from scratch.
EUR
optional – your starting point

Which index?

Compare indices side by side Each % is the index's 20-year average annual total return in USD, before fees, through Aug 2026. US indices and the DAX are directly sourced; non-USD indices are estimates. Compare up to six at once – tap a name to toggle it.

% after each index = its 20-year average annual return, total return in USD (dividends reinvested, before fees), through Aug 2026. Sources: index providers (SlickCharts, MSCI, dqydj, Nasdaq OMX). Non-USD indices are estimates. Past performance does not predict future returns.

Start portfolio value
EUR

Avoid fees

A 1.5% fee sounds small. See how much of your pot it quietly eats.

Invest monthly350 EUR
Cheap fund fee0.1%
Expensive fund fee1.5%
You keep (cheap fund)
Lost to fees (expensive fund)

Same money in both funds, invested monthly at 9% a year. The shaded gap is what the higher fee quietly takes.

How do I start?

Three steps. It really is this short.

1
Open an account with a reputable, low-cost platform.
2
Buy a broad index fund – e.g. one tracking MSCI World.
3
Set up a monthly deposit and leave it alone.
Platforms for

Learn the basics

New to investing? Start here – three short, plain-language reads.

What is an index?The number behind the market→ What is an ETF?How you actually own an index→ The snowball effectWhy time beats timing→