We built this for our daughter, Nora.

We're Ben and Kia, and we have a daughter on the way: Nora. As we got closer to her arrival, we noticed something we couldn't unsee. Parents-to-be get flooded with presents. It's beautiful. People genuinely love showing up for a new little human. But most of those gifts will be outgrown by next Christmas, and most of that polyester and plastic will be in landfill before her second birthday. What we actually wished for Nora was something the wrapping paper could never cover: a stable financial future, built one small contribution at a time, by the people who love her.

We've been lucky. We started investing early, and over the years we watched compounding do its slow, kind magic. The kind of magic you can only buy with time. Nora has eighteen years of that ahead of her. We wanted her to have it. And then we kept thinking about it, and we wanted every kid to have it, not just ours.

Here's the thing, though. There are a lot of charlatans out there. People selling dreams of double-digit yearly returns. Crypto schemes that promise to outpace the market. Active funds with glossy brochures and high fees and underperformance hidden in the footnotes. It would be easy to dress FromUs up in any of that language and probably get more clicks. We refuse to do that.

We built FromUs on the boring, well-studied truth that broad-market ETFs beat most active investors over decades, including most professional ones. The data is overwhelming and it's been overwhelming for sixty years. SPIVA, Morningstar, every academic study you can find: the same answer. Time in the market beats timing the market. Diversification beats stock-picking. Low fees compound into enormous differences.

So that's what FromUs does. Every gift on this site goes into the same Vanguard ETF we put our own money in for Nora: VWCE. 3,700 companies in 47 countries, 0.22% annual cost, automatically reinvested dividends. No tiers. No managers picking stocks for you. No promise of beating anything. Just one of the most diversified investments humans have ever built, held in your child's name.

And the other half of what we do is the payment page itself. A FromUs page is a clean way for the people who love your child to chip in toward a head start fund: a few euros, a note, a photo, or all three. Anyone who wants to bring a present still can. Anyone who'd rather hand over cash, can. Some will do both. The page just gives every kind of giver a tidy way to show up, without anyone feeling pushed in either direction.

We make money in two places. A small monthly subscription per URL keeps the page running: Free to try with your own card (capped at €100 lifetime so you can prove the flow to yourself), €3/month Collect (anyone contributes, cash lands in your bank account), or €5/month Invest (everything in Collect, plus auto-invest into the same Vanguard ETF). Two free weeks on the paid tiers. On the money side, we don't take a cent on the gift itself. Every cent the family sends lands minus only what Mollie actually charges to process it. The one fee on the invested funds is a tiered annual rate: 1% per year on the first €5,000, 0.5% per year on anything above. So an €8,000 account pays €65 a year, an €80,000 account pays €425 a year. The fee covers hosting, the connection to Saxo Bank, and the work of keeping the platform running. That's the only fee model that lets us look you in the eye for the next eighteen years.

Thank you for being here. Whether you claim a page for your own kid or chip in for someone else's, you're part of the experiment we're running on Nora. That one of the most loving things you can give a child is time, compounding quietly in the background of their life. A real head start when adult life begins.