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

User

640+

Local Members in the Lux Finance Circle

Calendar

20+

Live Events and Workshops Hosted in Luxembourg since 2023

YouTube

150+

Free Frameworks & Videos Published Online

Our Growing Community of Rational Investors

Are you Ready to take the next step?

© 2026 Smart Money Growth. All Rights Reserved. Smart Money Growth and Romain Lucas provide solely provide general investment education for informational purposes and do not provide investment services. The information shared on this website, the guide, during workshops, mentorship sessions, or through any other content or material is for informational and educational purposes only. The information presented should not be construded as legal, tax, or investment advice. The information presented does not constitute investment advice or a recommendation to buy, sell or hold any security and shall not be deemed an offer to sell or a solicitation of an offer to buy any security. Investing in the financial markets involves the risk of loss. You should always consider your individual circumstances carefully before making any investment decisions. All investment decisions remain your own responsibility. Past performance is not a reliable indicator of future results. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional. Any calculators, or financial simulations are for illustrative purposes only and based on hypothetical assumptions and default values which may not reflect actual or future market conditions. Market, legal and tax conditions are subject to change. Testimonials and case studies reflect the experience of specific clients, result may not be typical.

A DIFFERENT APPROACH

Congratulations, Your guide is on its way!

Just like this you've taken a massive step toward your independence and your financial future.The Clarity Guide should arrive in your inbox within the next 5 minutes. Please check all your mail folders in case it got misdirected.

While You Wait...
Investing education is a continuous journey. If you want daily frameworks and practical insights before the next email arrives, you can join the discussion here:

See you soon for the next framework.Romain

© 2026 Smart Money Growth. All Rights Reserved. Smart Money Growth and Romain Lucas provide solely provide general investment education for informational purposes and do not provide investment services. The information shared on this website, the guide, during workshops, mentorship sessions, consultations, verbal communications, or through any other content is for informational and educational purposes only. The information presented should not be construded as legal, tax, or investment advice. The information presented does not constitute investment advice or a recommendation to buy, sell or hold any security and shall not be deemed an offer to sell or a solicitation of an offer to buy any security. Investing in the financial markets involves the risk of loss. You should always consider your individual circumstances carefully before making any investment decisions. All investment decisions remain your own responsibility. Past performance is not a reliable indicator of future results. If you require personalized financial advice, please consult a licensed financial advisor or other qualified professional. Any calculators, or financial simulations are for illustrative purposes only and based on hypothetical assumptions and default values which may not reflect actual or future market conditions. Market, legal and tax conditions are subject to change. Testimonials and case studies reflect the experience of specific clients, result may not be typical.