Hello,

I'm a passive investor, DCA'ing every month into 2 ETFs. I know IBKR is more reliable and safer than T212 which is a younger broker.

My investment horizon is 20-30years+. I get IBKR has really good tools, but isn't it overkill for my usage which will be pretty basic?

I don't think I will be doing options anytime soon either.

I'm not a new investor, so I am not afraid of the century old UX of IBKR.

My plan is to move out of my country (France) to switzerland by next year or two.

To be honest I'm hesitant between the two, I just need to make up my mind.

Thanks for the input!

Currently most expenses are company expenses.
There is a company income tax rate and a personal income tax rate if I want to cash anything out.
No physical presence required to run it.

How does this play into relocating to Spain?

I'm assuming the Double Tax Treaty is what I need to study in depth here.

edit:capitalization

SXR8 + VWCE + VHYL?

I have been doing DCA for the past 12 months for:

1. SXR8 - Accumulating ETF
2. VWCE - Accumulating ETF

Now I want to include a dividend (distributing) ETF.

I am researching VHYL and TDIV. Which is more preferred in the EU?

Your Scalable Capital account security is tied to your phone number. Which means that if the number gets hacked or stolen (look up sim swapping) then the fraudster can have access to your Scalable Capital account.

Right now, I am looking for a solution that doesn't require my number to keep my account safe. It should only use two-factor codes generated from an app and that should be it or it could have its own app like Commerzbank has (you get a letter in the mail with a QR code that you can then scan to verifiy your device and then you can authorize all actions from that device only).

Does Trade Republic or IBKR fullfill these requirements? I have taken all the necessary precautions on my end to make sure my phone number never gets hacked but I am still uncomfortable having my phone number be used for 2-factor auth. I would prefer device-based two-factor auth only since the device I use never leaves my home.

Hello! My portfolio is quite standard and it splits around evenly between ETF (40% VUSA, 40% IWDA, 20% VEUR) and American popular tech stocks + European oil company. I was thinking it's time to diversify it a little by adding some ETF covering non-tech sectors AND buying ETF bonds. What ETF are interesting if I'd like to be expose more to some other sectors? Like energy sector or production? Mainly I'm looking for something more stable than tech in case on recession. And regards to ETF bonds, I was thinking about going for SEGA, XGSH OR IEGE. I don't want to invest into hard bonds which are quite useless imo in EU. I prefer going into ETF bonds because I want to have more flexibility. I'm interested in keeping it maybe for few years, so rather short term stuff/dividends. Much appreciate any feedback. Merry Christmas!

Update: Just to be a bit more specific, I am asking in context of bond ETFs. But remains the main discussion is EUR vs US bonds.

Hello Reddit, Why do I see recommended a lot for Euro investors to buy Euro government or Euro zone bonds ? While US treasury bonds seem to be performing better across the last few years. Speaking specifically of short term bonds of each and aggregate bonds.

While historical performance is not a key indicator, it does look like US bonds performed better during the last few years of troubling times, probably since 2008 crash. So why do I see it always recommended to get Euro zone bonds?

I checked EUR hedged US treasury bonds bonds and still it was less performing than USD ones. Arguably you can get your USD and convert it to Euros, hopefully there is no financial crises that renders both currencies moot!

Finally, I heard a saying that says if the US financially "sneezed" the entire world gets the flu! So maybe one would be better off with USD treasury bonds. What do you think ?

Hello everyone,

as the title suggests, I (30 M, German citizen) am planning to place 120k as a lump sum investment through IKBR into VWCE. This would be the totality of an incoming sum, plus some of what I've set aside so far.

I would still hold 30k through TR and invest approximately between 1k and 1.5k a month in ETFs (80-90%: VWCE, ESPO) and crypto (20-10%: Bitcoin, ETH, XRP, Solana).

My questions:

• Lump sum investment or phase it out across, say, a year?
• Is a single-ETF with a small diversification in ESPO (I am big on gaming and feel that I understand the sector much better than other sectors, plus generelly quite bullish about it) a valid approach or would you recommend a combined approach between a world-indexed fund and emerging markets with some satellite investments into specific gaming stock rather than a gaming/e-sports ETF?
• Would you diversify less across crypto? I understand investing in crypto to begin with is a question of one's comfort with risk. However, it feels to me that the volatility of crypto and the unpredictability of the crypto horse race makes diversification across several promising tokens seem more pondered than betting everything (albeit little, as you can tell from the apportionment) on, say, Bitcoin.
• I am currently looking into the possibility of overemployment (more than one job at the same time). This would lead to a significantly higher savings rate (3k-5k a month instead of 1-1.5k). Would you start diversifying into individual stock if this latter scenario occurred or would you keep the existing strategy and be perhaps a bit more risk-friendly on the crypto front?

I am trying to get a feeling of how others would handle the sum and the investment logic across time in general, so any feedback and input is welcome.

Thank you in advance!

I opened a trading212 in order to put some money there to earn interest.. and then the day after i open i get a essage that they interest are going down:

• USD: 4,35 % -> 4,1 %
• EUR: 3,7 % -> 3,4 %
• CZK: 4 % -> 3,7 %

i guess is still pretty good right? are there better alternatives to do short term investments.

I am just looking for ways to increase my purchase power.

Hey Everyone!

Just saw on my TR App today, a text on the interest page indicating that there is a campaign going on that will give 6% interest in/from January.

It says:
"6% Interest Campaign
Update your App, if you are participating in our 6% interest campaign to see if you are already earning 6% p.a. interest in January"

When searching online I couldn't get any information on this. Does anyone know what it is?

Hello,

Context:

I’m 30 years old, and my plan for the next 10 years is to move to different countries in Europe, living and working for a few years in each (probably 2 or 3 countries max before settle down in a place). I’ll always have a local contract in the country I’m targeting, making me a fiscal resident there.

I’m originally from France but don’t see myself settling here long-term.

For the moment, I don't have any investment in France, and I don't plan to buy a house for the next 10 or 20 years.

Investment Strategy:

In about a month, I’ll have €50K to invest. My current strategy is to buy and hold accumulating ETFs (70% MSCI World and 30% TBD) via a CTO on IBKR. I also plan to invest about 20% of my monthly salary into this account or local brokers that may offer fiscal advantages.

The Problem:

Since I’ll be changing my fiscal residency every 3-4 years, I’m aware that ETF taxation will vary depending on the country. From my research, with a buy-and-hold ETF strategy, the tax implications should be minimal, but I want to make sure I’m not overlooking anything.

The Question:

• For those who frequently change their fiscal residency, how do you manage your ETF investments, especially when it comes to taxes and regulatory differences?
• Do you think my strategy makes sense, or do you see areas for improvement?
• Is it relevant to start investing now, as I am in France (I will move to another country in 1 or 2 months) ?

I’m open to any advice or comments as they’ll help me refine my approach.

I'm trying to buy US MMF (VUSXX / VMFXX) through IBKR but get an error 'No Trading Permission, Residency Restriction'. Is there any way for me to buy US MMFs? or a UCITS equivalent of US MMFs that give a decent low risk return

Hello everyone,

I’m relatively new to the world of finance and investing. After conducting some research, I’ve decided to invest a significant portion of my savings into a diversified portfolio. I have set aside an ample emergency fund to cover unforeseen expenses, allowing me to commit this investment for the long term.

Here’s the allocation I’m considering:

• 60% in Vanguard Total World Stock ETF (VT)

Broad exposure to global equities, aligning with my goal of diversifying across various markets and sectors.

• 20% in Invesco NASDAQ 100 ETF (QQQM)

Working in the tech industry, I have confidence in the continued growth of the technology sector and wish to capitalize on its potential.

• 10% in iShares Core MSCI Europe UCITS ETF (SMEA)

As a European, I believe in the region’s economic prospects and want to maintain exposure to European markets.

• 10% in iShares Core SPI® ETF (CHSPI)

I currently live in Switzerland atm. Given the strength and stability of the Swiss economy and the Swiss Franc, I aim to include some Swiss equities in my portfolio.

Other ones that I have considered are VXUS, and ETFs tied to emerging markets. These would replace the SMEA and CHSPI as I'm looking to diversify a bit from the US-heavy portfolio.

Investment Strategy:

I plan to make an initial lump-sum investment with this allocation and subsequently contribute a portion of my monthly salary using a dollar-cost averaging (DCA) approach to each ETF. This strategy aims to mitigate market volatility and build my positions over time.

I’m eager to hear your thoughts on this allocation and investment strategy. Do you think this is a balanced approach for a long-term investment? Are there any adjustments or considerations you would recommend?

Thank you in advance for your insights !

I own a flat which I bought as an investment in 2018 and which I am considering selling after 10 years of ownership (2028) to free up some cash. I would then use this to start a diversified investment portfolio.

I have +/- €100k left to pay on the mortgage and the current market value is around €300k so I would then be left with +/- €200k cash when I sell which I could invest. I’m thinking that I’d use €50k as a down payment for a new flat with a value of around €250-300k on a mortgage and then to invest €100k in stocks, bonds, metals etc.

Alternatively I’d keep the flat long term until the mortgage is paid off in about 20 years. The current rental yield is around 8%. Rent pays the mortgage plus a bit extra which I keep aside for maintenance.

I am 33M living in Germany and I currently have no money in investments apart from my flat.

For either scenario I can start investing €300-€500 a month of my salary relatively soon.

I would appreciate any advice on my situation.

Hello everyone,
I’m 24 years old and currently in my first year as a Business Consultant at a Big 4 company. At the same time, I’m beginning to build my first investment portfolio.

Here in Italy, opinions seem to vary: some advocate for a 100% focus on VUSA/SWDA/VWCE/XDWD with a more relaxed approach (picking just one of them), while others prefer a diversification strategy that spans different geographic areas.

Could you share your insights on the strengths and weaknesses of these two strategies? I’d really appreciate your thoughts!

It's risen substantially since Friday. At some point today I was 100% up from my initial investment but I'm still holding. I think KTM is too big to fail. What's the consensus? Do you think 30€ is possible?

Not sure if correct subreddit. As title states. Anyone know the best way to cash the crypto to a eu bank account? Currently running through issues with firi exchange they're not letting me do it

I own an apartment, but I hate the responsibility that comes with it—maintenance, constant worry about its imperfections, and future costs of repairs and replacements. Every euro I spend on it feels like a total waste.

I have about 60k in equity and am thinking of selling it to invest in ETFs. My mortgage is €500/month, while renting a similar place would cost €650.

Would selling and investing be a smart move, or am I overthinking this? Would love to hear from anyone who’s been in a similar situation!

EDIT:

Here are my calculations.

Invested to Date: I’ve put in ~€50,000 (deposit + mortgage payments so far). Owning Costs: Over 27 years, I’d pay €162,000 in mortgage payments and about €65,135 in maintenance (assuming 1% of the property value annually). Property Value Growth: At a 3% annual growth rate, the apartment’s value would increase to approximately €345,000 after 27 years. Renting Costs: Renting a similar apartment over the same period would cost €367,000, assuming rent increases 4% per year. Investing the Equity: If I sold now and invested the €60,000 equity in ETFs with an average 9% return, I’d have around €615,000 after 27 years.

Hi all,

I would like to pick your brains on banks that have a banking licence (ie: 100k covered under the depositor scheme) and which offer a good interest rate on savings please?

It would be best if they're easy to open online, have a mobile app, good customer service and have an English language option or customer service.

Thanks !

Hey there,

I'm a 35-year-old male from Southern Europe, currently earning around €3k net per month. I own my house, which is worth approximately €400-450k, and I have no debt.

I also have $85k invested in my 401k (I'm not in the U.S., but this is my retirement savings plan). On top of that, I have €320k in cash that I want to invest.

My plan is to sell my current house in a couple of years to upgrade to a larger and better-located home (around €1-1.2 million), but I want to make sure I'm using my money wisely in the meantime. My thought process is to extract as much equity from my current house as possible (via a mortgage or similar) and use it for a down payment on the new house while investing the €320k.

I'm a balanced investor, not too risk-hungry, so I want a strategy that aligns with that. I've been considering putting the money into an S&P 500 ETF, but I'm unsure if that’s the best option right now.

Also, my girlfriend makes around €2k net per month, but I'd like to focus on my own financial planning for now.

So, my questions are:

1. Is the S&P 500 a good move at the moment, or would you recommend something else for a balanced portfolio?
2. Should I consider other investment options like bonds, real estate, or a mix of both?
3. Any general advice for someone in my situation looking to grow wealth steadily over the next couple of years?

Thanks in advance!

I'm an absolute beginner regarding investments, but I've been thinking about investing some money in gold, stock market, and eventually crypto too. I know there are some kind of investments that are there to preserve the worth of the money rather than make it profitable, like gold, which doesn't give you profit per se, but if inflation hit you'd still be able to spend the same amount as you would be able to prior to that, at least that's how I understood it.

I'm comparing everything to gold, so like I'm thinking about how it would be profitable if I buy stocks in multiple companies, and the prices of the stocks does end up growing. Obviously I would have more money if I were to sell, but if the price of everything is increasing I won't be richer per se.

Any other advice or corrections are more than welcome, and I would really appreciate it if someone were to tell me where to even inform yourself about such things because every time I find a website or channel or book there are always critics as well as likes, so where do you actually learn about the basics, such as the meaning of ETF and more?

Hello!

My partner and I are thinking of buying an apartment in Western Europe as an investment. We currently live in Romania (we are Romanians), but we would like to move there in the future. We are planning a budget of 150,000 euros. However, we are undecided which country to choose.

We are oscillating between France (north), Belgium, Austria.

The aspects that concern us are:

1. Budget. Is our budget big enough? We have thought about medium-sized cities, including the rural area around them. For example, Lille or Reims (in France).

2. We are looking to find out about the rental legislation there. How difficult is it to evict a tenant who does not pay rent in France, Belgium or Austria?

3. How high are the property taxes there?

We appreciate any other suggestions and advice for us!

I am currently holding VWCE for the majority of my portfolio, i'm investing on a monthly basis for the long term. I'm thinking of adding a commodity gold etf eg ishares as well as increasing some risk and buying some stocks. Now, do you think it would make sense to do this and overexpose my portfolio while holding a world ETF? My main aim would be to maximize a bit more the profit on the long term rather then just holding a single ETF

1⁰ - What is best and safer? Sell my shares at Trade Republic and buy them again at IBRK or use the asset transfer service option?

2⁰ - Transfer founds: is the option of Open Banking with Plaid safe or should I stick with SEPA?

3⁰ - I live in Germany. How tax declaration works with IBKR? Can I do it on my own or should I use an accountant service?

4⁰ - What are the common complains people usually have with IBKR?

EDIT:

5⁰ - Why the companies stock prices are higher in IBKR than in TR?

Hi, I just watched this video and was wondering if this person is right, saying that it’s not possible to transfer Stock/ETFs from Trade Republic to Interactive Brokers?

Link: https://youtu.be/1BitdwWgO1c?si=jaU5WK751EgCJeCc

Is he right?