For new and experienced investors
Understand what you own.
Learn what is worth a closer look.
Harust shows what your portfolio holds, what it costs and where the risk is, and brings together sourced research on funds and the economy. Every figure comes with its source and date. Harust doesn’t hold money, place orders or choose investments for you.
Your portfolio, explained
Harust calculates your mix, geographic focus, largest positions and fund costs, then writes a short summary. Open Detailed for the full tables, or Sources to see where each figure comes from.
Before adding money, try a what-if and see how your mix would change.
74% of this portfolio is in stocks, so it will move with the stock market. Most of that is in World funds (61%).
The largest position is 45% of the total. Fund costs come to about €17 a year.
Learn to invest
All guidesHow to start investing: brokers and apps
What a brokerage account is, how buying a fund works on a phone, which apps people use, and the path from signup to a filled order.
What you actually own when you buy an ETF
You don’t own the companies directly, and that is mostly a good thing. A plain walk through where your money goes.
Stocks, bonds and cash: what each one is for
Most of what your portfolio does comes down to how it is split between these three. What each one is good at, and what it costs you.
Plus recommended reading from the SEC, Vanguard, Morningstar and others. See all in Learn to invest
Economic research
All reportsReports on the economy and markets from the IMF, central banks and large asset managers, each with a one-line summary from Harust. We don’t publish forecasts of our own. No account needed.
Fund research
Open fund researchFunds grouped by a published rule. The same rule gives the same list for every reader. Fund research opens with a Harust account.
Questions
I’ve never invested. Where do I start?
Before choosing anything, settle a few basics: when you will need the money, whether you have an emergency cushion, and how much ups and downs you can live with. Our guide Before your first investment walks through these. Then try the practice portfolio: it uses illustrative amounts and shows how a mix behaves, what it costs and what adding money would change.
Can I buy funds through Harust?
No. Harust doesn’t hold money or place orders. You invest through a bank or broker that offers a brokerage account. Our guide How to start investing: brokers and apps explains how brokers and apps work, which fees to compare, and the steps from signup to a first order. Harust helps you understand and compare what you buy.
How much money do I need to start?
There is no fixed minimum: many brokers let you buy a single fund share, and some allow fractions of a share. With small amounts, fees matter more: a fixed fee per trade takes a much larger share of a small purchase than of a large one. Many people start by investing a set amount every month. Our guide The cost you pay every year without seeing a bill explains which costs to check.
Can I lose money in an ETF?
Yes. A fund’s value moves with everything it holds, and stock funds can fall sharply and stay down for years. Spreading money across many companies lowers the risk of one company failing, but not the risk of the whole market falling. That is why money you will need in the next few years usually doesn’t belong in stocks.
How does Harust choose the funds in Fund research?
Each list has a written rule, for example “stock ETFs covering the whole world, sorted by yearly cost.” Every fund that meets the rule is included, in the same order for everyone, and each figure shows the factsheet and date it came from.
How does Harust work out my portfolio’s cost and risk?
Software does the math. Yearly cost is the average of your funds’ published charges, weighted by how much you hold in each. Risk is shown through your mix of stocks, bonds and cash, where your stock money is invested, and how large your biggest positions are. The written summary only puts those calculated figures into words; it never adds numbers of its own.
Where does the data come from, and how current is it?
Fund facts come from issuers’ factsheets, exchange rates and yields from central banks and the US Treasury, and market reports from the institutions that publish them. Every figure shows its source and date. This demo uses illustrative fund data and rates.