verified_userStability for long-term investors

A calmer way to plan your financial future

Navigate the Romanian market with confidence. Anchor brings institutional-grade clarity to your personal portfolio, minus the complexity.

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check_circlePortfolio Tracking
check_circleRomania Optimized

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Transparency First

The real cost of convenience

Many ETFs carry hidden costs in their Total Expense Ratio (TER). Replicating the index yourself (DIY) takes effort but can save thousands over a decade. Use our calculator to see the difference.

5%
Dividend Yield
8.93%
ETF cheaper above DY

ETF vs DIY Cost Model

Explicit dividends: DIY pays 16% dividend tax; ETF TER is applied annually.

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Annual costs (snapshot)

ETF TER fee:€750
DIY trading fees:€46
DIY dividend tax:€400

Break-even TER

0.89%

End value after 10 years (incl. contributions)

ETF€61,218
VS
DIY€61,532
DIY − ETF€314
Insight: At this dividend yield, DIY tends to win because dividend tax drag is smaller.

Note: In dividend-heavy markets, ETF investors pay recurring dividend tax implicitly through the fund. DIY replication pays dividend tax explicitly, but avoids annual TER. Depending on yield levels, one can dominate the other over time.

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The Anchor Philosophy

Investing is a marathon, not a sprint. We built Anchor to remove the friction that slows Romanian investors down.

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Complexity Kills Returns

Hidden fees and high expense ratios erode your wealth over decades. We provide the tools to see through the noise and optimize your costs.

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Data Fragmented Everywhere

Your portfolio shouldn't live in ten different browser tabs. Anchor aggregates your assets into one professional, unified perspective.

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The Clarity Breakthrough

When you can see your financial path clearly, you make better decisions. Anchor automates the mundane so you can focus on the discipline.

Professional Tooling

Built for Growth

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Unified Core

Auto-sync across Romanian and international brokers seamlessly.

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Retirement Path

Visualize your target net worth with inflation-adjusted projections.

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Tax Clarity

Understand your local tax obligations and capital gains at a glance.

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Auto-Rebalance

Receive smart alerts when your portfolio drifts from your target allocation.

Projected Growth Analysis

The Genesis

From Scripts to Stability

It started in a cluttered apartment in Bucharest. From duct-taped Python scripts designed just to track one person's BVB portfolio, to a professional platform serving thousands.

We didn't build Anchor because we wanted another app; we built it because we were tired of losing money to complexity and lack of local tools.

Read the full storyopen_in_new
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2024

Learning

Starting the journey with curiosity and small steps.

2025

High Fees & Data Chaos

Realizing how much traditional brokers erode long-term wealth and struggling with fragmented data.

2026

Anchor 1.0

A professional home for the modern Romanian investor.

Anchor your financial future today.

Join early investors who care about understanding the real cost of investing.

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