FinTech · Investing · Trading
Clear thinking for the
future of finance.
Practical research on the technology reshaping money, how markets really work, and a curated global ETF and stock shortlist tracked transparently over time.
Latest research
All articles →Card Interchange Fees Explained: Who Pays and Why
Understand who pays card interchange, how network and acquiring charges differ, and what EU and US rules mean for merchant costs, pricing and compliance.
ETFsETFs vs Mutual Funds: Trading, Costs, Tax and Liquidity
How ETFs and mutual funds differ in pricing, liquidity, spreads, tax treatment and total cost — plus the EU and US rules that decide which structure fits an account.
ETFsHow ETF Securities Lending Works: Revenue, Risks, Disclosure
Securities lending can offset part of an ETF's costs. Here is how the revenue is split, what collateral and counterparty rules apply, and what to check.
MarketsT+1 Settlement in the US and Europe: What Changes for Investors
How the shift to one-day settlement in the US and Europe changes cash timing, FX funding, securities lending and failed trades for investors, brokers and fintech teams.
ETFsAccumulating vs Distributing ETFs: Cash Flow, Tax and Compounding
Understand how accumulating and distributing ETFs handle dividends, reinvestment, cash needs and records, with tax distinctions for investors in Germany and the US.
InvestingETF Portfolio Rebalancing: Thresholds, Taxes and Trading Costs
Learn how calendar, threshold and cash-flow ETF portfolio rebalancing works, with practical rules for managing spreads, tracking difference and US and EU taxes.
TradingOrder Types Explained: Market, Limit, Stop and Stop-Limit
Understand how market, limit, stop and stop-limit orders behave during gaps, auctions and thin liquidity, with practical examples and clearly labelled US and EU rules.
TradingPosition Sizing and Risk per Trade: A Practical Framework
Learn how fixed-fractional and volatility-based position sizing connect stop distance, costs, gap risk and correlated exposures within a practical drawdown framework.
ETFsTER vs Total Cost of Ownership: What an ETF Really Costs
Understand how ETF expense ratios, spreads, tracking difference, securities lending and broker charges fit together, with a practical guide to US and EU disclosures.
The shortlist
A global ETF & stock watchlist, tracked in public.
Every entry is logged with the date and reference price at which it was added, and its performance is updated daily from market data. Premium members see the full list with the reasoning behind each entry.
Get premium access