Romain Lucas

I teach Luxembourg residents how to build and run their own low-cost ETF portfolio, and keep the fees a bank would take.

I founded Smart Money Growth and the Lux Finance Circle: 1,000+ members, 35+ free events since 2022.

04/08/2026

In Luxembourg, a first-time buyer can borrow 100% of the price. Putting almost nothing down can actually raise your return, not lower it.

The less of your own cash you tie up in a home growing near inflation, the more stays compounding elsewhere. But there are two catches: the State Guarantee is income-tested, and more borrowing means more risk if prices fall.

I broke down both ways to finance with little or nothing down, and when it is smart versus when it is stretched.

Would you borrow the full amount if you could?

30/07/2026

You're Luxembourg bank charges too much fee? Learn to invest yourself
The Third Edition of the 7-Day Accelerator runs Saturday 26 September in Luxembourg. 15 seats, enrollment opens 9 September, and waitlist members get access first.

21/07/2026

A big down payment feels like the safe, responsible move. Ironically, this is what will make you poorer.

Same Luxembourg flat, sold after ten years. With almost nothing down, the cash you put in earns around 10.5% a year. With a large deposit, closer to 6.6%, which actually loses to renting and investing the difference.

The less of your own money you lock into an asset growing at roughly 2.5% a year, the more stays compounding faster elsewhere. The real limit is what your bank lets you borrow, not the size of your savings.

So the question is not how much you can put down. It is how little you safely can. How much would you put down?

16/07/2026

This is the Lux Finance Circle community event . We all sit at one table at hotel le place d'armes to go through what actually damages a portfolio. We spent the evening on the fees you never see on a statement, the reflex to sell at the wrong moment, and a diversification that looks better than it is. Together they cost around 2 to 3% a year, which over a lifetime becomes a six-figure number. The next date is announced in the Community WhatsApp first, and the link is in the community highlight bubble.

30/06/2026

Someone is impersonating me, please help report this account

_abhi_geek

if you receive messages or follow invite from this people this is not me, do not respond to it.

30/06/2026

A big down payment feels like the safe, responsible move. Ironically, this is what will make you poorer.

Same Luxembourg flat, sold after ten years. With almost nothing down, the cash you put in earns around 10.5% a year. With a large deposit, closer to 6.6%, which actually loses to renting and investing the difference.

The less of your own money you lock into an asset earning at roughly 5% a year, the more stays compounding faster elsewhere. The real limit is what your bank lets you borrow, not the size of your savings.

So the question is not how much you can put down. It is how little you safely can. How much would you put down?

08/06/2026

Young investors have an unfair advantage. Are you using yours?

05/06/2026

Would you trust advice from someone paid to keep your money where it is?

01/06/2026

AI can teach you to invest. So why would you still want a guide?

Adresse

14 Avenue Pasteur
Luxembourg
2310

Site Web

http://smoney.lu/

Notifications

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