Vunto Academy · Learning path

Applied financial education.

Learn to invest from scratch with an ordered path of nine guides: fundamentals, market entry, risk management and portfolio optimization. No jargon, with practical examples and free calculators to test every concept with your own numbers.

Practical guidesDirect definitions, examples and pros/cons.
Interactive toolsPublic calculators to test every concept.
Dashboard applicationScreener, alerts, portfolio and AI to move from theory to tracking.
YOUR PATHPath of 9 guides · save your progress, freeCreate account and save path →
2
Purchasing power
Basic · 5 minCalculator

Inflation

Understand why keeping dollars does not always mean preserving buying power.

  • Nominal value vs real value
  • Idle cash and inflation
  • How to protect purchasing power
3
Return
Basic · 6 minCalculator

Net ROI

Compare trades with costs, taxes, time and risk before celebrating a gross return.

  • Gross ROI vs net ROI
  • Annualized return
  • Costs people often forget
4
Market
Basic · 7 minCalculator

DCA vs Lump Sum

Decide when to invest all at once and when to spread entries without depending on guessing the market.

  • What DCA is
  • When Lump Sum usually wins
  • Entry psychology and discipline
5
Risk management
Intermediate · 7 minCalculator

Risk/Reward

Define entry, stop loss, target and position size before taking risk.

  • What the risk/reward ratio is
  • Stop loss and target
  • Position sizing
6
Passive income
Intermediate · 8 minCalculator

Dividends

Evaluate yield, payout, sustainability and reinvestment without falling into apparent-return traps.

  • Yield and payout ratio
  • Sustainable dividends
  • Reinvestment and yield on cost
7
Debt
Intermediate · 7 minCalculator

Mortgage repayment

Calculate when to repay early, how much interest you could save and the opportunity cost involved.

  • Reduce payment or term
  • Interest saved
  • Liquidity before repaying
8
Goals
Intermediate · 8 minCalculator

FIRE movement

Build a financial-independence target with rules, variants and realistic tracking.

  • What FIRE means in Spain
  • The 4% rule with examples
  • FIRE, Coast FIRE and Barista FIRE
9
Portfolio
Intermediate · 9 minCalculator

Rebalancing

Keep your portfolio aligned with new contributions, drift thresholds and alerts that prevent real risk from changing unnoticed.

  • What rebalancing is
  • Drift thresholds
  • Rebalancing with contributions
Frequently asked questions

Before starting the path

Do I need previous knowledge to start?

No. The path is designed to start from scratch: the first guides cover compound interest, inflation, real return and entering the market without assuming prior knowledge.

In what order should I read the guides?

Read the path in numbered order. Each guide uses concepts from the previous ones. If you already have a base, you can jump to the intermediate guides: risk/reward, dividends, mortgage, FIRE and rebalancing.

Are the calculators free?

Yes. The calculators linked to these guides are public and free. With a free account you can also apply those concepts to tracking your wealth.

Is this financial advice?

No. All Vunto Academy content is educational information. Vunto is not registered with the CNMV as an advisory firm and does not issue personalized buy or sell recommendations.

Why does each guide have a calculator?

Because financial theory is easier to understand when you touch your own numbers. The guide explains the concept and the calculator helps you visualize it in seconds.

The next step

A calculator gives you a snapshot. A dashboard turns that snapshot into tracking: goals, contributions, portfolio, alerts and AI questions when something does not add up.

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Updated in June 2026 · Vunto educational path · Educational information, not financial advice. Past performance does not guarantee future results.