Surprisingly Powerful ETF And Index Fund Strategies | Index Masterclass
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How European Investors Use Surprisingly Powerful ETF & Index Fund Strategies To Reach Financial Freedom and Retire Early

Ex-Wall Street investor reveals the method busy Europeans use to build financial freedom without following the standard advice ("just buy the S&P 500")
 
*Not for U.S. citizens 

"...the best investment training I've ever gotten..."

"My portfolio is up 25-30% since I started, and it literally took me 2 min/month.

The Index Masterclass is the best investment training I've ever gotten. It's super simple and easy to follow and it works."

Boris
Marketing expert

Investing involves the risk of loss. Investment results are not guaranteed.

Does this sound like you?

  • ✅ You know investing is the key to financial freedom
  • ✅ You would like to work less, travel more, or retire early
  • ✅ You’re worried that your money just sits in the bank losing value
  • ✅ You don't want to risk your life savings on something you don't understand
  • ✅ You’re too busy to spend months doing research

I thought investing was complicated and risky… until I became a Wall Street investor and discovered this surprisingly effective system...

Today I'm financially free, with a 7 figure investment portfolio – but I didn’t start that way. 

I grew up in a family of teachers here in Europe, and we were poor.

My parents lived paycheck to paycheck and expected a tiny government pension.

I decided to break the cycle.

In my twenties, I moved to the US and got a job on Wall Street. 

My goal – to learn from the smartest investors in the world. 
Wall Street investors PRETEND they have "secret strategies" so that clients will trust them. . . but the truth surprised me
For their personal investments, the smartest investors on Wall Street use one simple strategy:
  • Warren Buffett recommends it for 99% of investors.
  • It’s backed by Nobel Prize-winning research.
  • It takes just 3 hours per year.
  • It is one of the safest, most reliable long term investments out there.

Of course, I'm talking about ETFs and index funds.

Just $200 a month invested in a US index fund over the past 20 years would have grown to around $200'000 today.

A BIG fraction of American millionaires have used ETFs and index funds to get there. 

Almost every smart investor in America uses these investments.

Here in Europe, ETF & index investing is THE biggest overlooked opportunity for growing your wealth

After I left Wall Street and moved back to Europe, I co-founded a company called INDEXO which brought this strategy to my country.

And we got our clients the BEST investment results nationally.
Data source: https://manapensija.lv, Performance of active pension plans Jul 3 2017 – Feb 10 2025.
Past performance cannot be used to predict future results. This presentation is not affiliated with INDEXO.

It was amazing to see the results our clients were getting. 

So once I retired from the company, I decided on a new mission:

To help Europeans reach financial freedom with ETFs and index funds.
"I used to think that investing is gambling for financial professionals. Tom helped me realize that it's possible to invest systematically and prudently using index funds - even if you're not an expert!"
Martin Vitols
Account Manager

When people try to start ETF investing here in Europe, they hit roadblocks: 

1. It’s hard to find a brokerage or investment app you can trust with your savings. 

Should you trust Revolut, Trading212, Interactive Brokers or Trade Republic?

Or is it better to invest through your local bank?

And what about the fees that you will be paying?


2. Tax rules are different in every single country. 

What taxes do you need to pay on your ETFs or index funds?

And how can you optimize your portfolio so that you pay less?


3. There are over 3000 different ETFs available here in Europe.

They have many different types – accumulating vs distributing, physical vs synthetic, broad vs factor ETFs, and more.

For example, this ETF more than tripled your money between Feb 2020 and Feb 2025:
While this one gained you just 8%:
Without any guidance, people get lost and delay investing for years – like my student Peter:
"The Index Masterclass solved a challenge that I had for almost 5 years. I wanted to invest my free money without spending a lot of time doing it.

With this Masterclass, I finally learned how to invest responsibly and passively."
Peter Bodnieks
CTO

People tell you “just buy the S&P 500” – but that can be risky advice for investors in Europe

The S&P 500 is a list of top American companies – very profitable historically.

But if you buy the S&P 500, a whopping 30% of your money is invested in just 7 big tech companies:

Apple, Microsoft, Nvidia and the usual suspects. . .

What’s more, US stock prices are really expensive. 

So what happens to your money if the AI bubble pops or if Trump crashes the US economy?

Sure, the S&P 500 could be a great PART of your portfolio.

But you need a reliable system for investing which is both profitable AND keeps your money safe in difficult times.

What’s more, some of the most powerful investing strategies are hidden away in densely written research papers

Until now, they have only been available to professionals or hardcore enthusiasts.

But a growing body of research shows a surprising thing:

Certain ETF and index strategies such as factor investing have strong potential to BEAT the market.

And to do so with lower risk. 

For example, this so-called factor strategy almost DOUBLED the MSCI World index result over the past 50 years:
Of course, past performance does not guarantee the future will be the same.

But this is why I first teach my students the proven strategy of “buy the market and forget it”...

...and then show them how to find the best opportunities offered by factor investing and more.

The data is clear – ETFs and index funds have made a lot of regular people into millionaires

A few years ago, Dave Ramsey did a massive survey of American millionaires.

The results went against everything most people believe:

8 out of 10 millionaires came from a low or middle income family.

One third never earned an annual income above $100’000.

They achieved wealth through reliable, powerful long term investments like index funds and ETFs.

It’s time for us to do the same here in Europe.
"No one taught me investing at home or university. I followed people like Dave Ramsey online, but they only talked about investing for Americans. Then I found the Index Masterclass.

It’s a fantastic course for Europeans, really well done from A to Z. I have already made my first investments!"
Marion Couturier
Digital project manager

I created the Index Masterclass training program to make ETF and index investing easy for Europeans

This is a practical step-by-step system designed exclusively for European investors:

✅ for total beginners

✅ for intermediate investors who want to improve their strategy.

You will spend 20 minutes a day for 6 weeks to start your investment journey.

On the other side:

✅ you will be invested in your own ETF or index portfolio

✅ you will have full understanding and CONFIDENCE in your choices

✅ your new investment system will take 3 hours per year to manage.
And this works both for locals and expats living in Europe (except for U.S. citizens).

"...I never imagined it could be so easy..."

"I'm new to investing and cautious by nature – I'd never imagined I could invest in ETFs or that it could be so easy.

Since I finished the program a few years ago, I not only successfully invest in ETFs – I have also managed to make good money investing in stocks. Without knowledge from the program, I would not have dared to try this!"

Mara Dame
Project manager
EU Aviation Safety Agency

*Investing involves the risk of loss. Investment results are not guaranteed.

"...investing allowed me to stop full time work..."

"I had prior investment knowledge, but the Index Masterclass helped me better understand the market, plan my investments, and figure out investment taxes.

Today investing has allowed me to stop full time work and launch my own project - a new elementary school - where we also teach kids personal finance skills."

Davis Martini
Acton Academy Riga co-founder

*Investing involves the risk of loss. Investment results are not guaranteed.

"...helped me understand investing from Europe..."

"I already had good knowledge about investments, but I’m Brazilian, and the program helped me understand investing from Europe, plus it covered a lot of gaps I had.

Even though I hate spending money, I’m really happy I paid for this program!"

Igor Alves
Software Engineer

"...taught me how to build a better portfolio with a one time cost of 0.05%..."

"My private banker offered to manage my portfolio at a cost of 0.70% per year. The Index Masterclass taught me how to build a better portfolio with a one time cost of 0.05%, with no yearly fees.

Compared to the money I have saved, the program membership fee is insignificant."

Christophe
Corporate Executive

For many European investors, the biggest worry is TAXES – here’s how we make that easy for you.

First, we’ll show you how to understand, reduce and simplify investment taxes in ANY country – without doing anything illegal or unethical.

Then we’ll dive into the specifics for your country. 

EVERY single European country has tax rules and loopholes which make a huge difference for investors:
  • — The index fund transfer rule in Spain.
  • — The stock fund partial exemption in Germany.
  • — The “fiscale beleggingsinstelling” rule in the Netherlands.
Getting taxes right can cut your time to retirement by YEARS.

We’ve spent tens of thousands of euros on tax advisors to figure out these opportunities in 34 European countries – so that you don't have to.

As an Index Masterclass member, you get access to detailed tax briefings for 3 European countries of your choice (click here for the full list)

These briefings will cover all the essentials you need to know – so taxes never stress you out or stop you from investing.

"Excellent course. It gives you all you need on how to plan your savings, evaluate brokerages, choose funds, calculate taxes and more."

Marina Christofides
Bestselling Writer (Cyprus)

Or perhaps you’re struggling to pick a brokerage or investment app to trust with your savings? No problem...

By some estimates, Europeans lose over a billion euros to online scams every year. 

So this question is critical:

How do you choose a brokerage or investment app you can TRUST with your money?

A brokerage with low fees, easy tax reporting, and a good selection of ETFs?

I spend a full month every year researching all the best brokerages in Europe to help you answer this question.

The Index Masterclass has all the conclusions inside.

I will show you how to use the exact same strategies I used to get market-leading investment results for my clients as a professional investor

You will have step-by-step guidance through all the practical steps:
  • ✅ Build your own ETF or index portfolio by picking the IDEAL funds for your personal goals, risk appetite, and tax situation
  • ✅ Choose a reliable brokerage or investment app to trust with your money
  • ✅ Optimize your portfolio for taxes to save time, money and stress
  • ✅ Design a reliable strategy to protect your investments from risk
  • ✅ Set up a powerful passive investment system to grow your wealth for the rest of your life
  • ✅ (optional) Take your portfolio to the next level with advanced strategies – factor ETFs, real estate ETFs, commodity ETFs and more

"...I can see now how simple this is...
worth every cent I paid."

"My brother is FIRE. When I asked him about this, he always started at step 12. I would never place my savings anywhere without understanding every bit of my decisions...

Watching the Index Masterclass, I can see now how simple this is. Thus, it's worth every cent I paid."

Noémi Nagy
Conference interpreter

What’s more — my team and I will be with you every step of the way.

For 6 months, we’ll answer every single investment question you have.

Every month, we’ll get on a live call to update you on what’s happening in the market.

And you’ll keep access to the training long term – for as long as the program runs.

Including annual updates to country tax briefings, brokerage reviews, and much more.

"When something was not totally clear to me, I would write to the team. Tom's support was immediate and his explanations really wonderful!"

Alejandra Betancur
Nurse at the recovery room

"A friend told me – just buy one ETF every month and you're good. But how can you trust your financial future to something you don’t fully understand? After completing Tom's program, I finally know what I'm doing!"

Anna
Technical Product Owner, BOSCH

"The program not only taught me about ETFs, but gave me a good view of the big picture of passive investing. Now I feel I have a solid background when making my investment decisions."

Haresh Chulani
Electronical engineer

Because it’s hard to know who to trust online...

...we invite you to try our program risk-free with a 30 day money back guarantee

We want everyone who’s in the program to love it and leave great reviews and recommend it to their friends. 

So if you join and discover it’s not a match for what you need, no problem.

Send us an e-mail within 30 days and we’ll refund you – no exceptions or special conditions.

We’re based in the EU so it happens fast. 

But if you’re like most of our members, once you’re in – once you realize the full potential of all the new skills you are gaining – you will never look back.

Introducing the Index Masterclass

Get on the road to financial freedom – make your money work for you with index funds and ETFs​ here in Europe.

Inside you get access to:
In depth step-by-step investment guide
Discover exactly how to choose your strategy, pick great ETFs or index funds, select a reliable brokerage, and start investing – no matter where you live in Europe.
Wealth Protection Strategies
With investing, the first priority should always be – don't lose your money. Learn how to protect your portfolio from bad investments and market crashes.
Investment Taxes Made Easy
Find out how to do your investment taxes the easy way. Explore opportunities to reduce your taxes legally and ethically with our detailed tax briefings for 34 European countries.
European Brokerage Shortlist
Don't waste time trying to decide which brokerage or investment app to trust with your money. Discover our in-depth reviews and comparisons of the top brokerages in Europe, with suggestions for specific countries.
Building & Managing Your Portfolio
Learn how to monitor and rebalance your portfolio as it grows over the years. You will feel confident managing your portfolio and cashing out your investments
Investment Tools & Automations
Save time & effort with our google sheets for keeping tax records, monitoring your portfolio, and more. 
Your Specific Questions Answered
Never get stuck – get all your index and ETF questions answered by a professional investor within 2 business days.

*Does not include investment advice about specific ETFs or index funds. 
Content Updates & Monthly Market Update Calls
Don't miss important changes in the market, brokerages, or taxes. Benefit from long term access to a program which is updated every year and our monthly market update calls. 
Supportive Investor Community
Get encouragement and insights from fellow investors in 34 European countries. Develop new connections and friendships. 

You won't experience this quality of investment training anywhere else!

"This course is really well put together, highly researched..."

"This course is really well put together, highly researched and you're be able to take action to start investing in index funds as a person residing in Europe.

Even though it's an investment, it is totally worth it. There is also considerate support, community and monthly updates from the market together with useful mentorship."

Corina Simon
Management

"I already know how to spend, so I wanted to learn how to invest"
Kseniia Slobodskaia
HR Director in IT
"You don’t need a lot of money to start"
Adrià Xaus
Actuary & Data Scientist
"Perfect for someone who doesn’t have a lot of free time"
Steve
Aerospace Engineer
"Inspired to finally start investing"
Soledad
Customer Service Executive and Accountant

"...this is exactly what I needed.."

"As someone with no investment experience who wanted to make the leap and begin, this is exactly what I needed..

..to walk through the whole process and help me make informed decisions while not being overwhelmed by information."

Megan Willemsen
South African living in Netherlands

"...when my kids grow up, I'll teach them this stuff too!"

"One of the best purchases I've made in recent years.

I'm investing myself plus I gifted a membership to my brother.

And when my kids grow up, I'll teach them this stuff too!"

Janis Lapins
‍‍
Surgeon

Here’s Everything You Get When You Join The Index Masterclass:

Systems
Save all the guess work and follow my step by step systems for designing your investment strategy, picking ETFs or index funds, choosing a brokerage, making investments and more.
Video Training​
Master passive investing with on-demand video training. Build up your investment fundamentals or improve your preexisting skills.
Checklists & Spreadsheets
Copy my investment checklists and use my simple spreadsheets to track your investments and manage your portfolio the easy way.
Live Market Updates & Q&A
Join a live monthly market update. We'll answer questions on ETF and index investing questions.
1:1 Support​
Get 6 months of exclusive support from myself and my team inside our heavily monitored community forum.
Network
Learn from new investors all over Europe. Get support from a like-minded community. 
Train your family
In many cases, our members are the first investors in their family – but not the last. Train your partner or children and set them on the road to financial security. 
Life Time Access​
Keep the content forever. We will update it as the market changes, and you will have access to it for as long as the service exists.

See More Of What Our Program Members Have To Say...

"I chose it because it was Europe specific"
Diana
"You have to realise what inflation does to your money"
Victor
"I have already recommended the program to many friends"
Kevin
Engineer
"I want to be able to teach investing to younger generation"
Rick Martin
Private Finance and Investment Advisor
"Goal: not to work until I'm 70"
Pasquale
Manager of Customer Success
"It guides you step by step"
Carlos
Pharmaceutical industry
"I realised how much I was overpaying investment advisors"
Harold
"I wish I knew this 15 years ago"
Mario Zorz
Software Engineering Manager
"Expat in Europe – how to start investing?"
Facundo
Software Engineer

352+ Program Members Gave Us a 5-Star Rating

OVERVIEW

All About The Program

Here’s everything you will get inside the Index Masterclass

Make Investing Easy with the Index Masterclass

  • Get on the road to financial freedom – make your money work for you with index funds and ETFs​
  • Practical, value-packed index investing training over the course of 6 weeks (video training each week + action books + screen capture videos + a lot more)
  • Learn everything you need to start investing in index funds and ETFs straight away
  • ​You will implement the index investing approach recommended by Nobel Prize winners
  • You won't need to ask – "How do I apply this in my country?" Everything has been tailored for European investors, including expats and nomads (except Americans living in Europe)
  • Watch the trainings as often you like long-term

Take Care of Investing Taxes the Simple Way

  • Get the key insights you need so that investment taxes will never cause you stress again
  • ​Discover why fear of taxes keeps you poor — and how you can easily master taxes
  • Learn to understand, reduce & simplify your taxes as much as legally possible
  • Discover key country-specific considerations for up to 3 countries of your choice in our European country tax briefings
  • Learn to manage investment taxes if you are a nomad or expat (note: this program is not suitable for Americans)
  • Territories covered: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, UK

Save Time & Effort With Our Brokerage Shortlist & Tools

  • Discover how to choose a reliable brokerage or investment platform to trust with your money
  • Benefit from our carefully researched brokerage shortlist &  reviews of the best global platforms
  • ​Check out our sample portfolios to make portfolio construction easy to understand
  • Automate and simplify investing with our educational Google Sheet templates
  • Get other practical tools to make your life easier

Get All Your Questions Answered By A Professional Investor

  • You won't ever get stuck on some tricky question – we'll help!
  • Ask us questions about any factual topic included in the masterclass and receive an answer from an investment professional within 1-2 business days
  • Our aim is to give you all the support that you need so that you can start your investment journey as quickly and painlessly as possible
  • Support is provided in a private forum for a period of 6 months following enrollment (you can also get insights from our other members all over Europe)
  • Caution: Individual investment recommendations are not included as part of educational support

Don't Miss Important News – Get Updates & Monthly Market Briefings

  • ​Our expert team will update the program on a regular basis to save you time, effort and headaches
  • We update key materials such as tax briefings and brokerage reviews at least once per year
  • Join our monthly market briefing video calls to hear what's happening in the markets and ask all your questions
  • You'll have an expert team working to keep you informed – so you don't have to worry about what's happening in the market!

Connect With Other Investors in our Index Masterclass Community

  • ​Join an exclusive community of ambitous European investors, professionals and business leaders
  • Get ideas, inspiration and answers to your questions in our members-only online forum
  • ​​Develop new connections and friendships
  • Let's build a strong movement of index investors in Europe!

We can help:

✅ Locals, expats, nomads living in Europe

✅ Busy professionals who want to grow their wealth through reliable long term investing

✅ Total beginners and intermediate investors who want to improve

✅ People who start with €1’000 and people who have  €1’000’000+

✅ Men, women of all ages and professions

This program may not be right for:

❌ U.S. citizens or green card holders

❌ People looking for trading secrets or “get rich quick” strategies

❌ Expert investors looking for highly technical training

❌ People not willing to learn new skills (it takes 20 minutes a day for 6 weeks)

Frequently Asked Questions

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What is this program?
The Index Masterclass is a practical, step-by-step training program which gives you everything you need to grow your wealth through index and ETF investing, no matter where you live in Europe.
?
Is the program okay for beginners?
Yes, absolutely! Tom's "superpower" is explaining investment topics in a simple way that anyone can understand.
?
Is the program helpful for experienced investors?
Most experienced investors find that the program highly valuable because it fills in missing gaps, improves their investment strategy, fixes tax and brokerage issues, and teaches advanced strategies such as factor investing (optional).
?
Will this work for me if I'm an expat or nomad?
Yes – around half of our members are expats or nomads living in Europe.

The only exception is U.S. citizens – due to U.S. tax laws, our approach does not work for Americans.
?
How much time do I need to invest in this?

Our goal is to make this program easy to do even if you're a busy professional with a family.

On average, our members spend about 20 minutes a day for 6 weeks to gain investing skills that will serve them for a lifetime.
?
When does the program start?
Since the Index Masterclass is an online program, the good news is that it starts as soon as you sign up. You then keep long term access to the training materials.
?
What else should I know?
The program is purely educational and does not include investment recommendations. All investment decisions will be made by you!
?
What exactly do I get when I join?
Immediate access to:

> Passive investing masterclass with on-demand video training

> Investment Tax Workshop and Country Briefings

> Step by step systems for designing your investment strategy

> Checklists and spreadsheets to track your investments and manage your portfolio

> 6 months of exclusive support from Tom Crosshill and his team‍

> Live monthly market updates

> Access to a network of other successful investors

> Future content updates it as the market changes for as long as the service exists

> European Brokerage Shortlist
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Can I share this with my family?
Absolutely – you can and should share the program with anyone living in the same household. Many of our members teach investing to their children and / or parents.

We hope that the Index Masterclass will become foundation of generational wealth for your family.
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Is there a money back guarantee?
Yes, of course! E-mail us within 30 days and we will refund you, with no conditions.
?
How is this different from trading stocks or investing in real-estate?
Investing in ETFs and index funds is a diversified, hands-off approach that requires just 3-4 hours a year.

Unlike stock trading or real estate, it doesn’t demand constant monitoring, decision-making, or market timing.

This means less stress, more free time, and a reliable path to growing your wealth without the hassle of active management.

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