Note: This is marketing material.

ETF investing: from zero to hero

Imagine building wealth without needing to become a market expert or spending hours analyzing individual stocks. This isn't a fantasy—it's the reality that exchange-traded funds (ETFs) offer to everyday investors.

Why ETFs are your financial ally

ETFs have revolutionized investing by combining the best features of stocks and mutual funds. They trade like stocks but provide instant diversification like mutual funds. This powerful combination makes ETFs the perfect vehicle for both beginners taking their first investment steps and experienced investors looking to optimize their portfolios.

Simplicity at its finest

The beauty of ETF investing lies in its simplicity. With a single purchase, you gain exposure to dozens, hundreds, or even thousands of companies across various industries and regions. No need to agonize over which individual companies will outperform—ETFs let you own a slice of the entire market or specific sectors you believe in.

A Saxo Bank client starting with just €1,000 can immediately build a globally diversified portfolio spanning multiple asset classes. This accessibility democratizes investing, making professional-grade portfolios available to everyone.

The path to long-term wealth

ETFs excel as vehicles for long-term wealth creation. Consider this: an investor who placed €10,000 in an ETF tracking the global stock market a decade ago would have seen their investment grow substantially through market ups and downs, without needing to make a single trade after their initial purchase.

The power of ETFs comes from combining three wealth-building forces:

• Market growth over time
• Dividend reinvestment
• Low fees that preserve your returns

Start small, think big

You don't need substantial capital to begin. Many Saxo Bank clients start their ETF journey with modest monthly contributions—€100, €200, or whatever fits their budget. This approach, known as dollar-cost averaging, reduces the impact of market volatility while building wealth systematically.

Your investment, your terms

ETFs offer unparalleled flexibility. Need to access your money? Unlike some investments with lock-up periods, ETFs can be sold during any trading day. Want to invest according to your values? There are ETFs focused on sustainability, innovation, or specific social causes.

The first step is the most important

The most successful ETF investors share one trait: they started. While the financial media often focuses on complex strategies and timing the market, the simple act of beginning your ETF investment journey—even imperfectly—puts you ahead of those still on the sidelines.

As a Saxo Bank client, you have access to hundreds of ETFs covering virtually every market, sector, and investment strategy imaginable. The path to financial confidence begins with that first ETF purchase, transforming you from investment novice to wealth-builder in a single step.

Your journey from zero to investing hero starts now.

In the next article, we will look at what an ETF actually is, breaking down how it works and why it plays such a central role in modern investing.