Blog

Personal-finance guides, portfolio strategy, and product news.

• 29 May 2026 · 7 min read

  Your broker sees 20% of your wealth — the other 80% is where the risk lives

  For the median euro-area household, the brokerage app covers roughly one-fifth of total assets. The mortgage, the apartment, and the cash float carry the concentration, leverage, and currency exposure the broker pie can't show — so every rebalancing decision made on it alone has the wrong denominator.

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• 26 May 2026 · 7 min read

  Polish equities are a 2026 tactical overweight — and SPOL is a cleaner way to hold them

  Why a 2-4% Poland slice is defensible in 2026, and why the iShares MSCI Poland UCITS ETF (SPOL / IBCJ) is cleaner than a direct GPW basket for euro investors.

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• 17 May 2026 · 7 min read

  When extra mortgage payments beat bonds: a German homeowner's math

  The 'if bond yield beats mortgage rate, invest' rule ignores German capital-income tax. For an employee whose annual allowance is already used, a 3.2% mortgage needs a German government bond yielding roughly 4.35% to win, and nothing on the curve clears that bar.

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• 17 May 2026 · 1 min read

  Welcome to the Wealthmap blog

  Why we are starting a blog, what we will publish, and how you can follow along.

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