📈 4-axis financial ecosystem

Invest — coming soon

How investment access varies by country — broker fees, tax wrappers, ETF availability, and what the 'average household' actually owns.

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In planning 4-axis active: salary · utilities · housing · savings — invest & tax in planning stub published: 2026-05-07

What this axis will cover

  • Tax-wrapped accounts (KR ISA, US 401k/IRA, FR PEA, JP NISA, ES Plan de Pensiones, BE Tak 23) and what they actually buy.
  • Broker fee landscapes — the difference between 'free' (Robinhood, Trade Republic) and 'invisible' (PFOF, spreads).
  • Average household portfolios — KR equity-heavy speculation, US 401k indexing, JP cash, FR/ES/BE life insurance dominance.
  • Cross-link to salary (where the capital starts) and tax (where returns get filtered).