Pretty Simple Investing

You don’t need to be good with numbers.
You need someone to show you the first step.

A 143-page guide that takes you from “I don’t understand any of this” to your first ETF — with the spreadsheets, checklists and screenshots to actually do it.

• Get the kit - €39

Instant download · Works from anywhere in the world · Written by a woman who started from zero

This is for you if…

If you recognized yourself more than twice — this guide was written for you.

The real reason you haven’t started

It’s almost never the math. The math is a few lines in a spreadsheet, and I’ll do those with you.It’s that nobody ever walked you through it. Every article assumes you already know what an index is, what a broker does, why one fund costs 0.03% and another 1.8%. So you close the tab, promise yourself you’ll figure it out later, and the years go by.I know that loop well, because I lived in it. For a long time my version of “managing money” was buying something beautiful for my home whenever I felt anxious. It worked for about two days. Then the anxiety came back, and the money didn’t.

"Investing isn’t a talent. It’s a short sequence of unremarkable actions, repeated for a long time"

What changed things for me wasn’t motivation. It was having the steps written down in order, so I could stop deciding and start doing. That’s exactly what this guide is.

What’s inside

Nine parts. Each one ends with an exercise and a one-page checklist, so you always know what to do next.

00 Your broker

Open an account and fund it — before the theory, so you have somewhere to put the money. Includes a step-by-step Interactive Brokers walkthrough with screenshots.

01 An investor’s mindset

The money beliefs you inherited without noticing — and which one is quietly holding you back.

02 Financial health check-up

Four numbers that tell you where you actually stand today. Your point A.

03 Goal and the magic of compound interest

Turn “I want to feel safe” into a number and a date — and see what time does to it.

04 How the stock market works

Issuers, exchanges, brokers, shares, bonds — in plain language, once and for all.

05 ETFs — your main tool

How to read a fund like a label: ticker, size, Expense Ratio, accumulating or distributing, US or UCITS.

06 Your risk profile

The full Vanguard questionnaire, so you build a portfolio you can actually sleep with.

07 Your first portfolio

Three ready templates — conservative, moderate, aggressive — and how to place your very first order.

08 Psychology of a long-term investor

The full Vanguard questionnaire, so you build a portfolio you can actually sleep with.

What you actually get

Who wrote this

I’m Julia. I am not a financial advisor, and I don’t pretend to be one. But I’ve always been deeply interested in business, personal finance, and investing. I run several businesses and sell my own product on Amazon, so money has always been an important part of my life. A few years ago, I realized that simply keeping my money in a bank account meant watching it lose value over time — and I decided to learn how investing really works.As I went through that journey myself, I realized how important this topic is for women. Investing isn’t just about growing your money — it’s about creating freedom, confidence, and a sense of security that comes from knowing you can rely on yourself, not only on a partner, your family, or external circumstances.That’s why I created this guide. I want to share what I’ve learned and make investing feel less intimidating and more accessible. I’m not here to promise quick money or tell you what to invest in — I’m here to take you by the hand, simplify the complex, and show you practical steps you can actually take to start.

Everything, in one kit

One payment. Instant access. No subscription, ever.

Questions people actually ask

I have almost nothing to invest. Is it too early for me?

No — it’s the best time. The guide starts with the amount you have, not the amount you wish you had. Module 2 is about finding what’s already there, and the first portfolios in Module 7 work with small, regular amounts.

Which country do I need to be in?

The guide is written to be country-neutral. The broker walkthrough uses Interactive Brokers, which works in most of the world, and every fund comes with both a US and a UCITS version so you can pick what’s available to you.

Do I need to prove where my money comes from?

Yes. A broker is a regulated institution: you'll go through identity checks and questions about your income, and deposits must come from a bank account in your own name. The income doesn't need to be big — it needs to be traceable and legal. Step 0 of the guide walks you through the whole process screen by screen.

Will you tell me what to buy?

I’ll show you how to read a fund and how to build a portfolio around your own risk profile, and I’ll show you what I hold and why. What you buy is your decision — this is education, not personal financial advice.

How do I get the files?

Straight after payment, by email, as PDFs and spreadsheets. If anything doesn’t arrive, write to [email protected] and I’ll fix it personally.

Can I get a refund?

Yes. If the kit isn't what you hoped for, write to me within 14 days and I'll refund you in full — you don't need to explain yourself and you don't need to prove anything. You're buying from an author you hadn't heard of a week ago and you can't flip through the pages first; that risk shouldn't be yours.One exception runs longer. If a broker refuses to open an account for you — your country isn't supported, or your application is declined — send me their message within 30 days and I'll refund you in full. This guide is built around actually opening an account, so if that door turns out to be closed to you, you shouldn't be paying for it.And if a file doesn't arrive or won't open, just write to me. I'll fix it, whenever it happens.The address is [email protected], and it's me reading it.

The first step is closer than you think

One evening with this guide, and you’ll know exactly what to do next. That’s usually all it ever needed.

• Get the kit - €39

Pretty Simple Investing · [email protected]

Privacy Policy · Terms of Service · Refund Policy

Educational content only. Nothing here is investment, tax or legal advice, and no outcome is guaranteed. Investing involves risk, including possible loss of principal.

Privacy Policy

Last updated: 20 August 2026

Who is behind this sitePretty Simple Investing (etfgirlsclub.com) is run by Julia, an independent author based in Montenegro. If you have any question about your data, write to [email protected] — the messages come to me personally, not to a support desk.What this policy coversThis policy explains what happens to your personal data when you visit this site, subscribe to my emails, or buy the guide.What I collect, and whyIf you subscribe or download a free resource: your email address, and your first name if you choose to give it. I use it to send you the resource you asked for and, afterwards, emails about investing, the guide, and what I'm working on. The legal basis is your consent, which you give by subscribing.If you take the quiz: your answers, so I can send you a result that makes sense and group my emails by what's actually relevant to you. Nothing here is a medical, financial or credit assessment, and nothing is shared with anyone.If you buy: I receive your email address and the fact of your purchase. I never see your card details. Payment is processed by Creem, which acts as the Merchant of Record — the seller on the invoice — and handles all card data on its own systems, under its own privacy policy.When you simply visit: my email and website provider records basic technical data such as IP address, browser type and pages visited. Email campaigns record whether a message was opened and whether a link was clicked, so I can tell whether what I write is useful.What I never doI don't sell your data. I don't trade or share your email list with other authors or advertisers. I don't try to identify you beyond the email address you gave me.Who processes data alongside me- MailerLite — email delivery and forms. mailerlite.com/legal/privacy-policy- Creem — payments, invoicing and VAT as Merchant of Record. creem.io/privacyBoth are bound by their own data protection terms and process data on documented instructions.How long I keep itYour email address stays on my list until you unsubscribe or ask me to delete it — there's an unsubscribe link at the bottom of every email, and it works immediately. Records connected to a purchase are kept as long as tax and accounting rules require, which is generally several years.Your rightsWherever you live, and in particular under the GDPR if you are in the EU or the EEA, you can ask me to:- tell you what data I hold about you,- correct it,- delete it,- give you a copy in a portable format,- stop using it for marketing — at any time, no reason needed.Write to [email protected] and I'll do it. If you believe I've handled your data badly, you also have the right to complain to the data protection authority in your country.CookiesThis site uses only what's needed to make the pages and forms work, plus the analytics built into my email and website provider. I don't run advertising trackers and I don't build profiles for advertisers.ChildrenThis site isn't intended for anyone under 18, and I don't knowingly collect data from children.ChangesIf this policy changes, the new version appears on this page with a new date at the top. Substantial changes affecting subscribers will be announced by email.

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Terms of Service

Last updated: 20 August 2026

Who you're dealing withPretty Simple Investing (etfgirlsclub.com) is an educational project by Julia, an independent author based in Montenegro. Contact: [email protected].Purchases on this site are processed by Creem, acting as the Merchant of Record. This means Creem is the seller on your invoice, handles the payment and any applicable VAT, and its own terms apply to the payment transaction. The content itself is created and supplied by me.What you're buyingA digital kit: a PDF guide, two step-by-step PDF walkthroughs, and Excel worksheets. Nothing is shipped physically. Nothing expires. There is no subscription and no recurring charge.How you get itAccess is delivered by email to the address you use at checkout, right after payment. If nothing arrives within a few minutes, check your spam folder and then write to [email protected] — I'll send it to you personally.This is education, not financial adviceI am not a licensed financial advisor, and nothing in these materials is personal investment advice, a recommendation to buy or sell any specific security, or a solicitation.The materials explain how instruments work, show publicly available data and describe my own experience. I don't know your income, debts, obligations, tax position or goals, and I can't take responsibility for what you decide to do with your money.Investing carries risk, including the loss of your capital. Past performance guarantees nothing about the future. Figures, fees, broker interfaces and fund data change constantly — everything in the materials is accurate as of the stated date, and you should verify current numbers at the source before acting. Taxes are your own responsibility and depend on your country of tax residence; it's worth speaking to a specialist once.Any decision you make is yours, and so is the outcome.What you may and may not do with the filesThe kit is licensed to you personally, for your own use, forever.You may: download it, keep copies on your own devices, print it for yourself, and use the worksheets for your own money.You may not: publish it, share it publicly or privately with people who haven't bought it, resell it, sell derivative products based on it, use it to teach paid courses, or feed it into a service that redistributes its content. Copyright stays with me.This isn't legal boilerplate for its own sake: the guide grew out of personal experience, and it matters to me that it stays with the women who work through it.Third-party names and linksInteractive Brokers, Vanguard, iShares, Invesco, etf.com, justETF and any other names in the materials belong to their owners and are mentioned for educational purposes only. I'm not affiliated with them, not paid by them, and none of the links are affiliate links. I'm not responsible for what those services do or how they change.Availability and changesI may update the materials — corrections, new data, new sections. Buyers keep access to what they bought, including updates to it. I may change prices at any time; the price you paid is the price you paid.LiabilityTo the extent permitted by law, my liability in connection with these materials is limited to the amount you paid for them. Nothing here limits liability that cannot legally be limited.Governing lawThese terms are governed by the laws of Montenegro. If you are a consumer in the EU or the EEA, this doesn't deprive you of the protection of mandatory consumer rules in your own country. Payment-related matters are additionally governed by Creem's terms.

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Refund Policy

Last updated: 20 August 2026

The short versionIf the kit isn't what you hoped for, write to [email protected] within 14 days of your purchase and I'll refund you in full. You don't need to explain yourself, and you don't need to prove anything.Why it works this wayYou're buying from an author you probably hadn't heard of a week ago, and you can't flip through the pages first. That risk shouldn't be yours. If the guide doesn't help you, I'd rather give the money back than keep it.If you do tell me what didn't work, I'll read every word of it — that's how the next version gets better. But it's not a condition.If a broker refuses to open an account for you — 30 daysThis one gets longer than 14 days, because it can take a couple of weeks to find out.This guide is built around actually opening a brokerage account and buying your first ETF. If that door turns out to be closed to you — your country isn't supported, or the broker declines your application — you shouldn't be paying for it. Send me the broker's message (a screenshot or a forwarded email is enough) within 30 days of your purchase, and I'll refund you in full.If something doesn't arrive, or doesn't openWrite to me and I'll fix it — resend the files, send them in another format, whatever it takes. If I can't fix it, I'll refund you, whenever it happens.How to askWrite to [email protected] from the address you bought with, or use the contact details on your Creem receipt. Refunds are processed by Creem as the Merchant of Record and go back to your original payment method, usually within 5–10 business days depending on your bank.Your statutory rightsIf you're a consumer in the EU or the EEA, you normally have a 14-day right of withdrawal for online purchases. For digital content delivered immediately, that right ends once delivery begins with your express consent — which is what you agree to at checkout, so that you can download the files straight away instead of waiting two weeks.Everything above is my own promise on top of the law, given voluntarily. It doesn't replace or limit any right you have under the consumer law of your country. If your local rules give you more than this policy does, your local rules win.

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