How much money do I need to start?

There's no minimum. You can start with €50 a month if that's what you have. What matters isn't the initial amount but consistency: investing a fixed amount each month over years is what keeps a long-term plan going. In the session we'll define together how much makes sense for your situation.

Can I withdraw my money whenever I want?

Yes. You invest in assets traded on open markets: stocks, ETFs, crypto. You can sell at any time, except when the market is closed, such as on holidays or weekends. No lock-in contracts or penalties. Your money is always in your own accounts, not ours.

Do you manage my money?

No. Catallaxis Capital is an educational service, not an asset management firm. At no point do we have access to or move your money. We teach you to make your own investment decisions and execute them yourself. That's exactly the goal.

Each investor is responsible for paying their taxes under the rules of their own country. We can help you understand how investment taxes work in general terms and explain how to declare your gains, but Catallaxis Capital is not a tax or legal advisor.

Do I need to know anything about investing beforehand?

No. The service is made for people starting from zero. We cover the theory you need to understand why what works, works. Not just what to buy, but why. That way you make decisions with your own criteria rather than blindly following advice.

How long should I invest for?

This isn't trading. It's long-term investing. The natural horizon is 5 years or more. In the short term markets go up and down, and that's normal. Saving in real assets aims to preserve purchasing power, but there is no guarantee and all investing carries risk of loss. Patience is part of the strategy.

Savings · Stocks · Gold & Silver · Bitcoin

Catallaxis Capital

Invest in real assets and protect yourself from inflation.

Learn to invest in markets all over the world with the lowest possible fees and build your own investment plan. No middlemen. No conflict of interest. No hidden fees.

Free 10-minute first call. No commitment.

Your money devalues over time and nobody tells you why

Your money devalues

Compare what rent, food and fuel cost five years ago with what they cost today. That is inflation, and government currencies devalue by design to push people to spend. But spending does not create wealth: saving and investing does.

Getting a good investment plan is harder than it should be

When advisors earn a commission on each product, they have every reason to sell the ones that pay them the most. Most bank products have done worse than a stock index like the S&P 500 over the last 15 years, and anyone can buy that index through an index fund.

You need to save in real assets

Shares in good companies and real money like gold are nobody's debt, unlike the debt products the traditional system sells you. We teach you to buy them from anywhere in the world and to build your portfolio using ours as an example.

Past returns do not guarantee future ones. Source for the example: S&P Dow Jones Indices, SPIVA. In the US, 90.49% of large-cap equity funds did worse than the S&P 500 over 15 years (U.S. Scorecard, Mid-Year 2026, net of fees). The European edition shows the same pattern.

How it works

01Free call

A quick call about your current financial situation and whether the service makes sense for you.

021-on-1 session

We go through economic theory, the assets you can invest in, the best platforms to buy them and your monthly investment plan. We finish when everything is clear and you have made your first investment.

03Monthly follow-up

From there, stay up to date with a monthly subscription: what is in the portfolio, market analysis or personal meetings, depending on your plan.

Catallaxis Portfolio

It is the portfolio we invest our own money in, adjusted for people starting to invest now.

Risk statistics, last five years
	Standard	S&P 500
Sharpe ratio	1.24	0.75
Sortino ratio	1.79	1.09
Beta vs S&P 500	0.62	1
Annual volatility	17.3%	18.3%
Maximum drawdown	-20.7%	-23.0%

Calculated with the current weights of the standard allocation from 26 October 2021 to 26 October 2026, in euros, dividends included, rebalanced monthly, before fees and taxes. Sharpe and Sortino without a risk-free rate, the same for both.

Standard allocation. The positions in each block and the other risk profiles are for subscribers. Educational content, not financial advice. All investing carries a risk of loss.

Real move

Sep 18, 2026

0.25% from Cresud to Grupo Financiero Galicia

Galicia and Cresud are the portfolio’s two Argentine positions. In three months Galicia has fallen 25.6% and Cresud has risen 9.9%, with nothing fundamental changing in either, in our view: Galicia has been hit by the rise in US interest rates, which weighs on every bank. 0.25% moves from Cresud to Galicia: a small adjustment, and deliberately so, because the total weight in Argentina does not change. If Galicia recovers against Cresud, both go back to 7.25%.

Grupo Financiero Galicia (GGAL)

7.25%→7.5%

Cresud (CRESY)

7.25%→7%

Weights within the shares block only (gold and crypto not included). Subscribers get the full memo: the reasoning, how confident we are and what would make us reverse it.

Services

Training and follow-up to invest on your own

Start with the basic training. Then stay in touch at whatever level you need.

First step

Initial setup

From zero to having a monthly savings plan and a working portfolio.

Saving and investing, inflation, central banks and fractional reserve banking
How to analyse stocks, commodities and crypto, and how to choose them
The Catallaxis Portfolio as a practical example of portfolio theory
Which platforms to use and how to use them with the lowest fees
By the end: your portfolio set up, your first investment made and your monthly plan running

Free first call

Fixed price · one-time payment

79€

full session · video call

First we talk, then you decide.

Strictly educational content. Does not constitute regulated financial advice.

Stay connected

Choose your monthly plan

After the training, choose the follow-up that fits what you need.

Shrimp

10€/month

See what we invest in each month.

Catallaxis Portfolio (% of each asset)
Changes made each month
How we split our monthly investment

Get started

Private Telegram channel · monthly email

Shark

50€/month

Why Catallaxis Capital exists

Carlos Darder founded Catallaxis Capital after years of investing on his own, outside the traditional system: opening accounts abroad, choosing platforms for their low fees and direct access to markets, and building a portfolio from scratch. That experience is what we teach.

The traditional financial system makes its money from the fees you pay for things you could do yourself. The information is out there. What is missing is someone who explains it and gets paid for teaching, not for selling you products.

Carlos Darder

Founder & Lead Analyst

BSc in Economics (University of the Balearic Islands)

Specialised in Financial Markets and Portfolio Management (University of Southampton)

7+ years investing his own capital

Value investing and the Austrian School

The Catallaxis Portfolio, made up of the assets he owns himself

Frequently asked questions

This is not for you if...

We prefer to be direct. We don't want your money if we can't really help you.

✕If you're looking to multiply your money in weeks or months
✕If you want someone else to handle everything without making decisions yourself
✕If you're not able to save a fixed amount every month
✕If you can't invest for at least 5 years

Want to learn to invest on your own?

We talk about your situation and see if we can help. No commitment.