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 complying with the tax regulations of their 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 designed exactly for those 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 access financial markets worldwide at the lowest possible fees and build your own investment plan. No intermediaries. No conflicts of interest. No hidden fees.

Free 10-minute first call. No commitment.

Your money loses value every year and nobody tells you why

Your money loses value

Compare what rent, food and fuel cost five years ago: that's inflation, and legal tender currencies devalue by design to stimulate consumption. But what creates wealth is not consumption, it is saving and investing.

Getting a quality investment plan is unnecessarily hard

When advisors are paid commissions per product, the incentive is to sell the ones that pay the most. Most bank products have returned less than a stock index like the S&P 500 over the last 15 years, an index anyone can track with an index fund.

You need to save in real assets

Quality company stocks and real money like gold are nobody's debt, unlike the debt-based products of the traditional system. We teach you to buy them from anywhere in the world and to build your portfolio using ours as the 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 underperformed 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 cover economic theory, the available investment assets, the best platforms to buy them, and the monthly investment plan. We finish when everything is clear and you have made your first investment.

03Monthly follow-up

From there, keep up to date with a monthly subscription: portfolio composition, market analysis or personal meetings depending on your chosen plan.

Catallaxis portfolio

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

Standard allocation. The positions in each block and the other risk profiles are for subscribers. Educational content, not financial advice. All investing carries 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 equities block only (excludes gold and crypto). Subscribers get the full memo: the reasoning, the confidence behind it and the condition to undo it.

Services

Training and follow-up to invest on your own

Start with the foundational training. Then stay connected at whatever level you need.

First step

Initial setup

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

Savings and investing, inflation, central banking and fractional reserve
How to analyse stocks, commodities and digital assets: selection criteria
The Catallaxis model portfolio as a practical example of portfolio theory
Which platforms to use and how to operate them paying minimal fees
At the end: portfolio set up, initial investment made and monthly plan active

Free first call

Fixed price · one-time payment

79€

full session · video call

The call comes before the session: we talk first, you decide afterwards.

Strictly educational content. Does not constitute regulated financial advice.

Stay connected

Choose your monthly plan

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

Shrimp

10€/month

See what we invest in each month.

Catallaxis Portfolio (% of each asset)
Changes made each month
Our monthly investment allocation

Get started

Private Telegram channel · monthly email

Shark

50€/month

Why Catallaxis Capital exists

Catallaxis Capital was founded by Carlos Darder after years of investing independently, outside the conventional system: opening accounts abroad, choosing platforms for their low cost and real market access, building a portfolio from scratch. That hands-on experience is what we teach.

The traditional financial system's business depends on the commissions you pay for things you could do yourself. The information exists; what's missing is someone who explains it and charges 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

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

Frequently asked questions

This is not for you if...

We'd rather be direct. We don't want your money if we can't genuinely 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 commit to a 5+ year horizon

Want to learn to invest independently?

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