HoldAtlas runs conservative, base and optimistic scenarios for ETF and property investment across five European markets. An interactive decision tree shows net exit value at year 3, 7 and 10 · so you can compare paths with real numbers before you commit.
Enter your capital, monthly contribution, target country and investment horizon. HoldAtlas calculates three paths in parallel · ETF-only, leveraged property, and a hybrid approach · then presents results as an interactive decision tree. Each path shows net exit value at year 3, 7 and 10, monthly cashflow, and the conditions under which the result reverses.
Full capital invested today. Conservative, base and optimistic return ranges using MSCI World and MSCI Europe data from 1970–2024.
Leveraged purchase with country-specific mortgage rates, transaction costs, rental income and vacancy modelling. Remainder stays in ETF.
Build the deposit in ETF while saving, then switch to leveraged property. Both assets grow in parallel after purchase.
Each country is modelled with four city tiers · major city, secondary city, coastal and inland · using transaction prices from official sources and local market data.
HoldAtlas is designed for people who are deciding whether to invest capital in a European property market they do not live in yet, or keep it in an index fund · and want to see both options modelled with actual numbers before they spend months researching the wrong path.
It is most useful for expats, digital nomads and people relocating within Europe who have €30k–€300k to deploy and a 5-10 year horizon.
HoldAtlas is a scenario analysis tool. Its outputs are illustrative projections consistent with the principles that distinguish scenario analysis from regulated investment advice under EU financial services law. All outputs are illustrative projections based on historical data and simplified mathematical models.
HoldAtlas is not a regulated financial adviser and does not provide investment advice, portfolio management or execution services. It presents comparative scenario outputs · net exit values, cashflow and break points across three paths · so users can evaluate their own situation. It does not recommend a path, tell users what to do, or substitute for advice from a regulated financial adviser. Users must consult a regulated financial adviser before making investment decisions. Tax figures shown are indicative averages · individual treatment depends on personal circumstances, residency and applicable treaties.
All market parameters are derived from the following primary sources. No secondary aggregators or opinion-based forecasts are used as primary inputs. Data vintage: Q1 2026.
Enter your scenario on the tool and explore a live demo of the analysis · Spain · €120k · 10yr · before deciding.
HoldAtlas is operated by Hanna Vasiukova.
Registered in Poland
NIP: 7252364283
Address: ul. Stefana Jaracza 21 m. 46, 90-261 Łódź, Poland
Contact: contact@holdatlas.com