PURE EDUCATION • ZERO COMMISSIONS • ZERO ASSET FEES
PURE EDUCATION
ZERO COMMISSIONS
ZERO ASSET FEES
Stop Paying for Complexity. Start Building Wealth.
The free 5-page evidence-based blueprint for busy professionals in Luxembourg and Europe.Build a robust, easy to understand, portfolio in an afternoon. Set it and forget it. Keep 100% of your returns. No prior finance knowledge required.
When "Waiting" has become the most dangerous decision.
The paralyzing fear of making a mistake is costing many European investors thousands every year.
You've done the hard work. You have the capital. But it’s stuck on the sidelines. That nagging feeling persists: When is the right time to start?For many rational professionals, the fear of making a simple error is the ultimate blocker. You know you need to invest, but the overwhelming jargon and conflicting advice leads to analysis paralysis that guarantees a loss to inflation over time.Worse, you worry that in trying to start, you might actually make things worse. In this sea of complexity, you ultimately don't know which "simple first step" you can safely make, while dodging the dangerous mistakes that could cost you thousands.
The First Evidence-Based Guide Built for EU Investors
Decades of academic research, distilled into a practical, step-by-step plan.
Evidence-based investing knowledge has historically been scattered and buried across complex books, academic papers, and gated industry research. While valuable, the information was never accessible or actionable for busy professionals.Over the years, I dissected thousands of pages of this research to extract the timeless, proven principles that actually drive returns, and I cut everything else away.The result is a radically simple 4-step process, to get you from confused to confident.With this guide, I had one goal in mind capture 90% of the results of a complex strategy, for a fraction of the cost, time, and stress.
How The Guide is Structured
A 4 step-process to go from paralyzed to confident.
Step 1: Strategic Alignment: We determine which investment philosophy best helps achieve the objective of busy professionals.
Step 2: Solution Definition: We determine the evidence-based characteristics of 90% solution, one that achieve the majority of the result for a fraction of the complexity.
Step 3: Tool Screening: We evaluate different tools for the job and settle on the best product solution.
Step 4: Implementation. We cover the implementation steps and criteria to finally build your portfolio all on your own.
A Different Approach, Built on Education and Integrity.
Because the Best Steward of Your Capital Should Be You.
After 7+ years inside the financial industry here in Luxembourg, from fund audit to managing ETFs, I saw a fundamental problem: the system isn't always designed for your success. Too often, sophisticated professionals see their hard-earned wealth eroded by hidden fees, complex jargon, and advice conflicted by commissions.
Romain Lucas, Founder, Smart Money Growth
I believe you deserve better. I believe the knowledge to confidently manage your own capital shouldn't be a closely guarded secret or require navigating a predatory system. It should be accessible, transparent, and empowering.
So I quit. and founded Smart Money Growth
Smart Money Growth is build to be the unconflicted, evidence-based alternative I wished existed when I started. My mission isn't to manage your money, but to give you the clarity and frameworks to become the sovereign architect of your own wealth.We do this through pure education, on ETFs, passive investing, and personal finance. The practice is built on a single, non-negotiable principle: zero commissions, zero conflicts. My only incentive is your success – equipping you with proven principle and models so that lets you be the steward of your own capital.
A Proven Evidence-Based Practice Founded in Luxembourg
Our Growing Community of Rational Investors
Are you Ready to take the next step?
© Smart Money Growth. All rights reserved. Smart Money Growth and Romain provide financial education and coaching services. We do not provide investment advice, individual recommendations, or manage investments on behalf of clients. The information shared on this website, the guide, during workshop/strategic sessions, mentorship sessions or through any other content is for informational and educational purposes only. It is not intended to constitute legal, tax, or investment advice, nor an offer or solicitation to buy or sell any financial product. Each individual is responsible for their own investment decisions. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.
A DIFFERENT APPROACH
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© Smart Money Growth. All rights reserved. Smart Money Growth and Romain provide financial education and mentoring services. We do not provide investment advice, individual recommendations, or manage investments on behalf of clients. The information shared on this website, the guide, during workshop/strategic sessions, mentorship sessions or through any other content is for informational and educational purposes only. It is not intended to constitute legal, tax, or investment advice, nor an offer or solicitation to buy or sell any financial product. Each individual is responsible for their own investment decisions. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.
A DIFFERENT APPROACH
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See you soon for the next framework.Romain
© Smart Money Growth. All rights reserved. Smart Money Growth and Romain provide financial education and mentoring services. We do not provide investment advice, individual recommendations, or manage investments on behalf of clients. The information shared on this website, the guide, during workshop/strategic sessions, mentorship sessions or through any other content is for informational and educational purposes only. It is not intended to constitute legal, tax, or investment advice, nor an offer or solicitation to buy or sell any financial product. Each individual is responsible for their own investment decisions. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional.