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Artículos y guías
Artículos prácticos sobre ETF, impuestos, dividendos y estrategia. Claros y trazables.
Cómo usar la IA en Investboard: guía práctica
Tus reglas, tus datos y tu razonamiento en una misma conversación.
Cómo analizar tu cartera con Investboard
Revisa las posiciones, los solapamientos entre ETF y las desviaciones respecto a tu estrategia.
Invertir con IA requiere un mandato
Un agente de IA puede analizar una idea. Tus reglas determinan si encaja en tu estrategia.
¿Cambiar tu estrategia de inversión o mantenerla?
Distingue un cambio en tus circunstancias de una reacción a las últimas cotizaciones.
Costes de los ETF: TER, tracking difference y comisiones
Compara los gastos corrientes, la diferencia de rentabilidad observada y los costes de operar.
MSCI World o FTSE All-World: diferencias clave
La decisión central es qué lugar dar a los mercados emergentes.
La brecha de comportamiento del inversor
Por qué la rentabilidad de un fondo puede diferir de la del dinero invertido en él.
Tu mandato de inversión: una plantilla IPS
Define tus objetivos, tu asignación y tus reglas antes de que el mercado te presione.
Solapamiento entre ETF: cómo medirlo
Distingue los valores comunes, el solapamiento ponderado y la exposición total a una empresa.
Reequilibrar tu cartera con una regla clara
Recupera la asignación elegida siguiendo una regla, sin intentar anticipar el mercado.
Investboard in ChatGPT: a second brain for investing English
Four skills for your investing questions. Portfolio intelligence and saved reasoning with Premium. Here is how to connect Investboard to ChatGPT.
Top 5 AI investing setups: strengths and weaknesses English
TradingAgents, Daily Stock Analysis, AI Hedge Fund, Vibe-Trading and TradingAgents-CN: what the leading InvestingStack projects offer and where their limits lie.
Investboard: Weather the Storm Portfolio English
Thirty holdings across six asset groups, with a 2021–2025 comparison and a clear view of technology, semiconductor and AI exposure.
Is this time different? English
Distinguishing technological miracles from financial follies: what railway mania, radio and the dot-com boom reveal about AI investment returns.
AI trading bots: What they can and cannot do English
How automated trading works, which evidence matters and how individual investors can stay in control.
AI in investing: keep control of rules, strategy and monitoring English
What BaFin and ESMA actually require, which limits AI-generated ideas need, and how an investment mandate with honest monitoring keeps the investor in control.
Investment discipline: why it is the real edge English
Brokers are built for execution and trackers for observation. Neither is built for the discipline of following a plan you set yourself. What a behavioral control layer does instead.
The All Weather portfolio: Ray Dalio's answer to the AI bubble English
In 2026 Ray Dalio warns of concentrated AI risk and still considers his risk-balanced core essential. What All Weather means now, and why the familiar 30/55/15 mix is not his current recommendation.
What your broker app hides, and what it costs you English
The screen shows today's return. What actually decides your long-term net return sits elsewhere: what you really own, what it costs, what survives tax, and whether you are still following your plan.
Artificial intelligence in wealth management: what it can and cannot do English
Five client-led shifts are reshaping European private banking. Where AI helps, where it is overrated, and how Investboard uses it: as explanation, not decision.
Anlage KAP: when the tax return pays off for investors English
Usually the bank settles the tax. The Anlage KAP is for the years in which it could not know everything.
Loss offsetting: how share and ETF losses save German tax English
Two pots, a December deadline, and a widespread misconception about equity ETFs.
Buy and hold: why long-term holding is so hard to beat English
Buy, diversify, hold for decades: the strategy that asks little except the hardest thing, doing nothing.
Panic selling: what truly helps in a crash English
Why selling in a panic usually locks losses in, and what the evidence describes as a calm counterweight.
Cooling-off: the deliberate pause before every decision English
Why a short, pre-set waiting period lets the hot impulse cool and gives calm reflection back the room that arousal takes from it.
Why doing nothing is often the best decision English
For most investors, trading less beats trading a lot, because activity feels productive but as a rule it costs return.
Loss aversion and mental accounting: the costliest thinking errors English
How the research of Kahneman, Tversky and Thaler explains the two deepest thinking errors that quietly cost investors return, and how you can recognize them.
The quiet cost of tinkering English
Why frequent reshuffling costs return, and what a calm portfolio preserves.
FIRE in Germany: the complete guide English
Planning financial independence under the German tax burden
The 4% rule in Germany: why 3.5% is more realistic English
The Trinity Study meets the Abgeltungsteuer
Coast FIRE explained: when can you stop saving? English
Compound interest does the work
Barista FIRE: work part-time, live full-time English
Financial freedom without a complete exit
Withdrawal strategies: spending capital vs. preserving capital English
Three strategies for the withdrawal phase compared
Opening a Junior Depot: the complete guide for parents English
Step by step to a securities account for your child
NV-Bescheinigung for children: save tax from day 1 English
Make your child's investment income tax-free up to the allowance
Schenkungsteuer: making the most of the EUR 400,000 allowance English
Give tax-free every 10 years: how to do it right
ETF savings plan for children: which ETF, which strategy? English
Building wealth from the first day of life
Transferring wealth: Schenkung vs. Erbschaft English
When does an early gift pay off?
Calculating the pension gap: what the gesetzliche Rente does not cover English
Work out your personal provision need realistically
Building an emergency fund: how much, where to keep it, how fast? English
The foundation of every solid financial strategy
Equity for a property: savings plan and timeline English
Saving systematically toward a home purchase
Optimizing your savings rate: the road to financial independence English
Why every percentage point counts
Vorabpauschale 2026: what ETF investors need to know English
Basiszins, calculation and practical tips on the Vorabpauschale for accumulating ETFs.
Optimize your Sparerpauschbetrag: splitting the Freistellungsauftrag correctly English
How to make the most of your EUR 1,000 allowance across several custody accounts.
Dividends after tax: what actually lands in your account English
The full tax chain, from the gross dividend to the net amount.
Del conocimiento a la claridad
Consulta los impuestos, los dividendos y la asignación de toda tu cartera en un solo lugar.