1. Questions



What is Educationeur?

Educationeur is a platform dedicated to inform individuals about their options for investments and career paths.

I have a question and/or suggestion. How can I get it to you?

Feel free to shoot us an email at contact@educationeur.com 

Getting Started

How much money do I need to start investing?

You can open a brokerage account today with $0! However, in reality it will depend on what broker you choose based on your needs. We recommend that if you can start investing today you should do so even if it is a very small amount!

Does this advice whole true if I reside outside the United States?

We’ve built Educationeur to be a universal platform. The factors to consider before investing and the financial concepts that we explain can be applied globally.

However, if you reside outside the United States the specific brokers that we mention in this site might not be available in your country of residence. In the future we hope to include options for our users abroad. 

When should I start investing?

You should start investing as soon as possible. The earlier you start the more time your money has to grow. Money now is worth more than money in the future. This theory is known as the time value of money.

What is the best broker?

There is no right answer to this question since the best broker will vary depending on your needs. Make sure to go over our investment curriculum to understand what you want to look for in a broker and then take our quiz to see what broker might be a good fit.


Do I really need an emergency fund (rainy day savings)?

It depends on what your current situation is. If you have only one source of income and/or any dependents (e.g. child, parent, spouse, etc.) then we definitely recommend having an emergency fund since it will bring peace of mind to you and your loved ones in case an unforeseen situation happens. Furthermore, an emergency fund helps you become a more disciplined investor.

How do I determine my risk profile?

There are two components to determine your risk tolerance. First there are the objective metrics:

  • Age: younger investors might be able to take more risks because they have less responsibility
  • Disposable: Income You might feel more comfortable risking extra income rather than your core investments
  • Potential Future Income: Wage increase, new income sources, etc.
  • Investment Horizon: How long do you want to hold a given asset?
  • Unique Circumstances: Future purchases or investments

The second component is more subjective and it is your willingness to assume risk. The more aggressive you are with your goals the more risk you will need to take.

Goals & Results

How can I set my investment goals?

Investment goals are unique for everyone. However, these are three things you should consider:

  1. Have a plan. Be sure that it is time-bound and with specific targets
  2. Be realistic. Markets are volatile and it is important to plan for less-than ideal outcomes
  3. Have a goal. What are you saving for? If you have a clear goal whether it is a car, home or dollar amount it will be easier for you to pursue that.

How much money am I going to make?

This will obviously depend on a variety of factors including but not limited to your initial and subsequent investments, market conditions, risk level and portfolio mix. What is important in this case is not only the amount of dollars that you make but also that you are meeting your investment goals. 

Portfolio Management

How should I build my portfolio?

The way you build your portfolio is up to you and the investment products offered by your broker. However, it is definitely recommended to diversify your portfolio with a variety of asset classes in order to help you achieve your goals while minimizing the risks. If you want more help with your portfolio you should look for a broker with an investment platform that gives you suggestions for building your portfolio. For more  make sure to check out our recommendations for investors that want a more automated investing experience. 

How do I diversify my portfolio?

You can diversify your portfolio by having a variety of asset classes in order to help you achieve your investment goals while minimizing risk. The exact distribution between equity (stocks), bonds and short-term investments will vary depending on your goals and investment products you choose. Most brokers will show you a visual representation (typically in pie charts) of different case scenarios for distributing your portfolio according to your risk profile.

How frequently should I rebalance my portfolio?

Experts have varying opinions about the ideal timeframe for rebalancing portfolios. However, studies have shown that there is no advantage in rebalancing monthly, quarterly or annually. It is important to keep in mind that frequently rebalancing your portfolio will incur in additional trading fees. Rebalancing should be done to reflect a change in your portfolio strategy and/or your goals. However, you should constantly monitor your portfolio in order to make sure your investments are on track with your goals.