investuotojui.lt

What investuotojui.lt does

investuotojui.lt is an independent Lithuanian-language investment guide website operated by MB "NM Media" (Lithuanian sole proprietorship, registration code 307668343), headquartered in Druskininkai, Lithuania. The platform serves beginner and intermediate Lithuanian retail investors with editorial content on broker selection, UCITS ETF investing (VWCE, CSPX, IWDA, EUNL), the new Investment Account (IS) tax-deferral regime effective from January 2025 under Amendment XV-343, and personal income tax (GPM) planning under the 2026 progressive brackets of 20%, 25%, and 32%. Editorial is led by Redas Klerauskas, who also founded palyginkdraudima.lt, an LT insurance comparison platform. The publication is one of the few independent, primary-source-backed Lithuanian-language investment resources, with active operations documented through 2026.

The platform is built on a web-based content management and publishing system with 15 embedded Lithuanian-calibrated calculators covering compound interest, IS savings, pension projections, stock and dividend taxes, FIRE scenarios, inflation, and broker costs — each backed by a publicly documented methodology page describing formulas, assumptions, sources, and limits. A version-tracked broker rating system uses seven weighted components (fees 30%, regulation 20%, LT adaptation 15%, IS compatibility 10%, VMI reporting 10%, coverage 10%, convenience 5%) stored in YAML for historical traceability, and a four-tier source hierarchy draws on VMI, Bank of Lithuania, ECB, CySEC, ESMA, and official broker KID/tariff documents. Broker fees were last audited on 2026-05-01, and a public corrections journal commits to fact corrections within 48 hours.

The business model is purely affiliate-driven. All content and tools are free to readers without registration or email collection, and revenue is generated exclusively through disclosed affiliate commissions from four broker partnerships (Interactive Brokers, Freedom24, Trading 212, eToro). The publication explicitly states that commissions do not influence editorial ratings, and product-led growth depends on organic SEO for Lithuanian-language queries covering brokers, ETFs, IS accounts, and GPM-related topics in a market of approximately 2.8 million people.

Name

investuotojui.lt

Legal name

MB „NM Media"

Website

https://investuotojui.lt

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

investuotojui.lt is an independent Lithuanian-language investment guide published by MB "NM Media" that serves beginner and intermediate Lithuanian retail investors with broker reviews, UCITS ETF comparisons, IS tax-regime guidance, and 15 free calculators, monetized solely through disclosed broker affiliate commissions.

Ownership category

akta.pro rank

Product category

Personal Finance Media / Investment Education

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAAAAO

Investor Education, Research & Portfolio Analytics Services (Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

Keywords

• Investment education
• Broker comparisons
• Financial calculators
• ETF guidance
• Tax planning

Headquarters

HQ city

Druskininkai

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Affiliate Commissions: The site earns affiliate commissions (partnerystės komisinis) when readers open accounts with recommended brokers (Interactive Brokers, Freedom24, Trading 212, eToro). This is disclosed on every page. The commission amount is explicitly stated NOT to affect editorial ratings or methodology.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

investuotojui.lt is a Lithuanian-language commercial investment guide website that publishes independent, fact-checked editorial content and tools for Lithuanian retail investors. Its core offerings are scored broker reviews (Interactive Brokers 7.5/10, Freedom24 7.1/10, Trading 212 7.0/10, Revolut 6.4/10, eToro 6.0/10), ETF comparison guides (VWCE, CSPX, IWDA, EUNL), 15 Lithuanian-calibrated calculators, and structured guides on the Investment Account (IS) tax regime and 2026 progressive GPM (20/25/32%). All content is free for readers and monetized via disclosed affiliate commissions to broker partners without influencing editorial ratings.

Product overview

investuotojui.lt is a commercial investment guide for Lithuanian investors operated by MB "NM Media" (code 307668343). The platform provides independent editorial content organized as a content website with interconnected guides, calculators, and comparison tools. Core offerings include broker comparisons (Interactive Brokers 7.5/10, Freedom24 7.1/10, Trading 212 7.0/10 rated), ETF guides (VWCE, CSPX, IWDA, EUNL analyses), 15 Lithuanian-language calculation tools, Investment Account (IS) tax regime guidance, beginner investing guides, tax center with 2026 progressive GPM rates (20/25/32%), pension information, and a financial glossary. All content is based on primary sources (VMI, Bank of Lithuania, ECB, CySEC, ESMA, KID documents) with public methodology. The site is not a broker or financial institution itself, but provides educational content to help Lithuanian retail investors navigate broker selection, ETF investing, and tax optimization through the IS account regime.

Differentiator

Problem solved

Functional benefit

Products and services

• Broker Comparisons and Reviews Comparative reviews and ratings of EU-regulated brokers (Interactive Brokers 7.5/10, Freedom24 7.1/10, Trading 212 7.0/10, Revolut 6.4/10, eToro 6.0/10) for Lithuanian retail investors, covering fees, regulation, Lithuanian localization, Investment Account (IS) compatibility, and VMI reporting capabilities using a disclosed 7-component scoring methodology.
• ETF Guides Educational guides on UCITS ETFs suitable for Lithuanian retail investors, including VWCE, CSPX, IWDA, and EUNL analyses covering TER, AUM, domicile, replication method, and tax optimization inside Investment Account (IS) regimes, including the accumulative vs distributive ETF decision for IS accounts.
• Calculation Tools (15 Lithuanian-calibrated calculators) Fifteen Lithuanian-language financial calculators including compound interest, investment account (IS) savings, pension projections, stock taxes under 2026 progressive GPM, dividend taxes, FIRE calculations, inflation, deposit interest, broker cost comparison, and ETF comparison tools, each with a published methodology page explaining formulas, assumptions, sources, and limits.
• Investment Account (IS) Guide Comprehensive Lithuanian-language guide on the Investment Account (IS) tax regime effective 2025-01-01, covering GPM311/GPM303 declaration mechanics, the flat 15% exit tax under Amendment XV-343, dividend treatment, and broker compatibility for the regime.
• Beginner Investing Guide Step-by-step Lithuanian-language guide for beginners covering financial reserve preparation, broker selection, first ETF purchase, IS account opening, DCA strategy implementation, and common beginner mistakes in the Lithuanian context.
• Tax Center Lithuanian-language tax information hub covering progressive GPM 2026 rates (20/25/32%), Investment Account (IS) tax treatment, dividend taxation, and the GPM303 declaration forms relevant to retail investors.
• Pension Guide Lithuanian-language guide covering the III pillar (III pakopa) pension system with GPM tax benefits, contribution mechanics, GPM benefit application limits, and projection examples for retail participants.
• Glossary (Žodynas) Lithuanian-language financial terminology glossary explaining investment, tax, and regulatory terms such as PRIIPS, UCITS, DCA, FIFO, and VDU for beginner and intermediate retail investors.
• Public Methodology Publicly documented methodology for broker ratings (7 components: fees 30%, regulation 20%, LT adaptation 15%, investment account 10%, VMI reports 10%, coverage 10%, convenience 5%) and ETF evaluation (6 components), with version-tracked YAML files for historical score traceability under MiFID II, ESMA, Bank of Lithuania, and PRIIPS regulatory framework.

Quantifiable outcome

• ~25,000-42,500 EUR tax savings potential through IS regime over long-term portfolio (15% vs 25/32% GPM brackets)
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Interactive BrokerscoreChannel Partner/ Reseller/ Distributor · 1 January 2025Affiliate partnership where investuotojui.lt recommends Interactive Brokers (rated 7.5/10) for Lithuanian investors with portfolios from 50,000 EUR. IBKR Ireland Limited is regulated by CBI with ICCS investor protection up to EUR 20,000. Commission structure disclosed but does not influence editorial score.
• Freedom24 (Freedom Finance Europe Ltd)coreChannel Partner/ Reseller/ Distributor · 1 January 2025Affiliate partnership with Freedom24 (rated 7.1/10), recommended for LT language support and local customer service. Operates through Freedom24 Lithuania UAB tied agent in Vilnius. Commission disclosed on pages.
• Trading 212coreChannel Partner/ Reseller/ Distributor · 1 January 2025Affiliate partnership with Trading 212 (rated 7.0/10), recommended for beginners with zero commission on stocks/ETFs. T212 EU GmbH (Germany) provides EUR 100,000 investor protection. Commission disclosed on pages.
• eTorominorChannel Partner/ Reseller/ Distributor · 1 January 2025Affiliate partnership with eToro (rated 6.1/10), rated lower due to higher commissions (1-2 USD per stock), limited EU stock coverage, and 52% CFD client loss rate per ESMA data. Commission disclosed.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• palyginkdraudima.lt: Lithuanian insurance comparison site founded by the same operator (Redas Klerauskas) as investuotojui.lt. Operates the same content + affiliate editorial model in an adjacent (insurance) vertical, making it the closest operating precedent for the team.

Direct peers

• BrokerChooser: Global broker comparison and review site with public methodology, weighted scoring, and affiliate model. Closest direct analogue to investuotojui.lt's broker-rating framework, just at global rather than Lithuanian scope.
• Investing in the Web: Broker reviews and educational content site with affiliate revenue model covering global and EU brokers. Directly comparable content-led, methodology-driven approach serving retail investors.

Broad incumbents

• Investopedia: Large-scale investor-education publisher with editorial content, calculators, and broker screens. Comparable as a retail-investor education destination, though more US-focused and less affiliate-monetized than investuotojui.lt.
• Bankrate: Established US financial comparison publisher monetized through affiliate referrals. Adjacent incumbent with overlapping editorial methodology (rate cards, scoring rubrics) and a similar content-driven funnel into broker/banking product sign-ups.
• Finder.com: Global financial product comparison platform operating on an affiliate model across banking, investing, and insurance. Comparable content + affiliate approach, scaled across multiple geographies rather than one.
• NerdWallet: US consumer-finance comparison and education platform with affiliate-driven revenue across credit cards, banking, investing, and insurance. Same content + affiliate business model at much larger scale and broader topic surface.
• Verivox: German financial and utility comparison portal monetized via affiliate/switch commissions. Closest EU-language analogue to the content + comparison + affiliate model, but at much larger German-market scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/redas-klerauskas

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about investuotojui.lt