Step 5 of 6
Growth: Investing (educational)
How it works, not what to buy
Asset classes, risk and diversification, costs and taxation in Romania, the pension pillars, and how to spot a scam. Explained neutrally, as education, with no recommendations of specific instruments.
Lessons
0/5 completed- 8 min
Asset classes, explained neutrally
Shares, bonds, government securities, ETFs, mutual funds, property, gold, crypto: what they are, at category level, with no specific recommendations.
- 7 min
Risk, diversification, time horizon and DCA
Four concepts that together form the skeleton of any rational investment decision, whatever instrument you choose.
- 7 min
Investment costs and taxation in Romania
TER, trading fees and the taxation of gains: the invisible costs that erode returns if you don't track them.
- 5 min
The pension pillars 1, 2 and 3, explained
Romania's pension system has three “pillars”, with different rules. See what each one means for your money.
- 6 min
How to evaluate a broker yourself: criteria, not recommendations
ASF authorisation, the Investor Compensation Fund and cost transparency: the objective criteria you check before trusting anyone with your money.
Action checklist
What you do concretely this week, for step 5.