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Investing

Compare platforms, understand the best sectors to invest in, and find the right account for your goals — from beginner index funds to advanced trading.

$0
Lowest Brokerage Fee
From platform table
0.03%
Lowest ETF Cost
Vanguard Total Stock (VTI)
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$10,000
5 yrs
7% avg
$50k (+$10k)
10 yrs
7% avg
$107k (+$37k)
20 yrs
7% avg
$301k (+$171k)
30 yrs
7% avg
$691k (+$501k)
40 yrs
7% avg
$1476k (+$1226k)

30-yr value

$691k

Total gains

$501k

Monthly added

$500/mo

MONTRO FACTS

Hover each card to learn more

19%

of taxpayers have a Roth IRA

MONTRO FACT

35%

of adults own investments outside retirement accounts

MONTRO FACT

~3×

more wealth from tax-free vs. taxable growth

MONTRO FACT

90%

of active fund managers underperform index funds

MONTRO FACT

Where should you invest?

Pick your situation for a personalised starting point

🌱

Just starting out

Under $10K, new to investing

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🚀

Building for retirement

10-30 years until retirement

Hover to expand →

💰

Income & dividends

Seeking regular cash flow

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Growth & tech focus

Higher risk, higher potential

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Proven portfolio blueprints

Time-tested allocations used by millions of long-term investors

3-Fund Portfolio

Most recommended

The classic Bogleheads strategy. Simple, diversified, low-cost. Suitable for almost everyone.

US Stocks (VTI)
60%
International (VXUS)
30%
Bonds (BND)
10%

Growth Portfolio

Higher risk

For investors with 10+ year horizons who can tolerate volatility.

US Stocks (VTI)
50%
Tech (QQQ)
25%
International (VXUS)
25%

Income Portfolio

Cash flow focus

Prioritises regular income. Suitable for retirees or near-retirees.

Dividends (SCHD)
35%
Covered Calls (JEPI)
25%
Bonds (BND)
40%
Important: These are illustrative starting points, not personalised financial advice. Actual allocation should reflect your age, risk tolerance, time horizon, and financial situation. Consider consulting a fee-only fiduciary financial advisor.

Investment sectors & themes

Key areas, the investment thesis, and the best-in-class ETF for each

Technology & AI

Top ETF: QQQ · ER 0.20%

Strong

AI infrastructure buildout is still early. Companies supplying compute, software, and data infrastructure are positioned for a decade of growth.

Notable stocks

NVDAMSFTMETA

International Developed

Top ETF: IEFA · ER 0.07%

Moderate

US valuations are historically high. Europe and Japan trade at significant discounts — diversification here reduces concentration risk.

Notable stocks

ASMLNestléToyota

Dividend & Value

Top ETF: SCHD · ER 0.06%

Strong

Dividend growers historically outperform in volatile markets. Quality screening filters for financially healthy companies with rising payouts.

Notable stocks

JNJKOPG

Healthcare

Top ETF: VHT · ER 0.10%

Moderate

Aging demographics and biotech innovation create durable demand. Less cyclical than tech — holds up better in recessions.

Notable stocks

LLYUNHABBV

Clean Energy

Top ETF: ICLN · ER 0.42%

Speculative

Long-term secular tailwind from energy transition. Higher volatility but significant upside as grid modernization accelerates globally.

Notable stocks

NEEENPHFSLR

Bonds & Fixed Income

Top ETF: BND · ER 0.03%

Stable

With rates elevated, short-duration bonds offer attractive yields with low risk. BND or short-term Treasuries make sense as portfolio ballast.

Notable stocks

GOVTSHVSGOV
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