📢 **Welcome to our next Lux Finance Circle meetup!**
This month, we are conducting a **Portfolio Health Check.**
Most investors think "mistakes" are obvious, like buying a stock that goes to zero. But the real wealth killers are silent. They are a combination of **hidden fees, behavioral errors (like FOMO and Panic), and inadequate diversification or risk taking.**
Research shows these silent mistakes often cost investors **2-3% per year** in lost returns. On a typical portfolio, that isn't a small leak; it compounds into a **six-figure loss** over your investing lifetime.
This session is designed to help you diagnose these common, costly errors and discuss the evidence-based frameworks to fix them before they become catastrophic.

🧭 **Format of the Event**
This is a casual, discussion-based gathering with no long presentations. We'll sit around the table, and your host Romain will kick things off with a 10-minute introduction to his core **"Portfolio Diagnostic Framework,"** covering the three main sources of silent losses.
This is your opportunity to move beyond generic advice and discuss the real-world evidence for building a robust, leak-free portfolio.

📊 **Recommended Preparation (Diagnose Yourself First)**
Before you arrive, it’s helpful to know what’s at stake for *your* specific situation.
You can use this free calculator to see exactly what that 2-3% annual loss due to fees and behavior could cost you over time based on your own numbers:
→ **Check Your Potential Loss Here:** [calc.smartmoneygrowth.eu](https://calc.smartmoneygrowth.eu)

🔎 **Hungry for More?**
If you can't wait for the event and want to start improving your financial literacy now, you can find free, evidence-based frameworks for every stage of your journey (beginner or advanced) right here:
→ **Access Free Resources:** [smartmoneygrowth.eu](https://smartmoneygrowth.eu)

👥 **Who Can Join?**
Everyone is welcome. This discussion will be especially valuable if you are:

* Concerned that hidden fees or tax drag are silently eroding your wealth.
* Unsure if your current portfolio is truly robust enough to withstand a market shock.
* Looking for a clear, evidence-based way to "audit" your own investment strategy.
* A professional who wants to ensure you aren't making avoidable, expensive mistakes.

📌 **Practical Info**

* 🗓️ **Date:** **Tuesday, November 18th, 2025 at 18:30**
* 🗣️ **Language:** The event will be in English.
* 📍 **Location:** The bar is hidden at the back. Ask at reception for directions if you are unsure.
* 🍻 **Drinks:** Drinks are self-paid at the venue bar.
* 👥 **Limited Seats:** Please RSVP so we can manage space. If you can no longer make it, please cancel your reservation to free up your spot for someone on the waitlist.

Romain LUCAS

Lux Finance Circle

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The Portfolio Diagnostic: How to Spot (and Fix) Six-Figure Mistakes

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The Portfolio Diagnostic: How to Spot (and Fix) Six-Figure Mistakes

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