Early access · First 100 founders get 3 months of Platinum free
verified_userBuilt for Romanian investors

Replicate the BET index. Skip the fund fees.

Track your portfolio — BVB stocks, international ETFs, and cash — in one place. Calculate dividend tax, keep fees in check, and see how much you'd keep by replicating the BET index yourself instead of paying 1–6% to a fund.

Start free — no card requiredarrow_forwardplay_arrowSee the math

Free forever plan · paid tiers from €5/mo

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Total portfolio

Your journeys

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BVB

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ETFs

0.0%

Cash

0.0%

flagNext milestone
€150,000
Transparency First

The real cost of convenience

Many ETFs carry hidden costs in their Total Expense Ratio (TER).

Replicating an index yourself takes more effort, but over time it can make a meaningful difference.

Use the calculator to see how costs add up.

5%
Dividend Yield (%)
6.56%
Dividend Yield where ETFs is cheaper

ETF vs DIY: Cost comparison

Dividends are taxed differently:
DIY pays 16% dividend tax and CASS when annual thresholds are reached; ETF costs are applied annually through TER.

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Rent, independent activity or other non-salary income, per year. Taxable amount, not gross.

Average annual costs & taxes

ETF costs (TER):€1,764
ETF trading fees:€32
DIY trading fees:€68
DIY dividend tax:€960
DIY CASS (health):€340

Projected charges over 10 years, divided by 10; CASS is included in years when a threshold is reached.

Break-even TER (10 years)

1.08%

Estimated value after 10 years (including contributions)

ETF€233,127
VS
DIY€240,358

DIY wins — you keep €7,231 more after 10 years

Anchorfolio is built exactly for this — manual replication, zero ETF fees.

Keep my €7,231arrow_forward

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.

Want to go deeper?

See the full dividend tax breakdownarrow_forwardSee the full ETF vs fund comparisonarrow_forward
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BETarrow_drop_down-0.1%TLVarrow_drop_up+0.0%SNParrow_drop_up+0.0%H2Oarrow_drop_up+0.0%BRDarrow_drop_up+0.0%VWCEarrow_drop_up+0.0%WEBNarrow_drop_up+0.0%BETarrow_drop_down-0.1%TLVarrow_drop_up+0.0%SNParrow_drop_up+0.0%H2Oarrow_drop_up+0.0%BRDarrow_drop_up+0.0%VWCEarrow_drop_up+0.0%WEBNarrow_drop_up+0.0%
See it in action

Your goals, always in focus

Organise your investments into journeys — each one with its own target, progress, and story.

Total accumulated value

€0 +2.4% this month

Active journeys

3 portfolios Diversified across 2 regions

Next achievement

€150k milestone €7,147 to go

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STABLE

Safety Anchor

The foundation of your financial peace.

Current value€46,193

“True wealth is the ability to withstand any storm.”

Liquidity

100%

Risk

Minimal

See the demo
savings
ON TRACK

Golden Years Fund

Securing your future with steady, conservative growth.

Current value€84,210

“Steady winds today lead to calm harbors tomorrow.”

Total return

+8.4%

Risk

Low

See the demo
rocket_launch
ACCELERATED

Innovation Venture

Aggressive trajectory focused on market leaders.

Current value€12,450

“The future belongs to the bold who invest in it.”

YTD return

+12.1%

Next milestone

€15k

Create your goal

Sample data for illustration purposes

Institutional thinking, personal scale

Smart tools that grow with you

hub

Portfolio Tracker

BVB stocks, international ETFs, government bonds and cash — all in one view.

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Dividend Calendar

See every dividend coming, including foreign withholding tax, before it lands.

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Tax Report

Romanian capital gains, dividends and CASS, calculated automatically — no spreadsheets in April.

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Bonds & Fidelis

Track every active Romanian government bond, including Fidelis emissions.

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BET Replication

Build the Romanian index yourself, without paying ETF fees.

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Multi-currency & Performance

RON, EUR and USD converted automatically, with full performance history.

The Anchorfolio Philosophy

Investing is a marathon, not a sprint. We built Anchorfolio 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. Anchorfolio 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. Anchorfolio automates the mundane so you can focus on the discipline.

How it started

From Scripts to Stability

It started in a small apartment in Bucharest.
Python scripts to track one BVB portfolio. Then the fees hit, data scattered across three brokers, and tax season became its own part-time job.

We built Anchorfolio because we needed it.
Every feature on this platform is a problem we ran into first.

Why we built Anchorfolioopen_in_new
history_edu
2024

The Problem

High fees, fragmented data, no local tools that worked. Every investor we knew had the same complaint.

2025

The Workaround

Custom scripts, spreadsheets, browser tabs. It worked — until it didn't.

2026

The Platform

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.

Start free — no card required