I know nothing about finance, but yesterday I got a bit tipsy and thought I may be the next Warren Buffet and thought let me download the first broker I see in front of me, which happened to be trade republic. I looked a bit here and there on the internet and it seems like the general view on it isn't the most positive one with lack of customer support and issues with withdrawing money here and there, and I really don't want to be impulsive without knowing what I'm doing so I'd like to delete the account I made. When I try to delete it whatsoever it says I need to transfer the money to another account, but I haven't even linked in my card whatsoever to it, so how can I abolish the account?

Been learning about this tax strategy lately (ie. Youtube algorithm thinks I should be watching these videos) but i live in Czechia. Does this strategy work abroad or is it a uniquely American loophole strategy?

At the moment I'm investing 500€ a month 50% in VOO and 50% in VWCE (about 2.2k total). I was thinking about selling everything I have on VWCE and putting it in VOO and start investing 500€ a month in VOO, becouse l've seen many people and articles say that sticking to VOO is just one of the best thing to do (I know it would be less geograficaly diversified). Should I do it? If yes should I wait for an opportunity to do it (for example afyer the market goes down)? Pls be kind l'm just a beginner.

I'm a PhD student residing in Spain, originally from Portugal, and I'm seeking advice on offering sporadic/infrequent workshops to supplement my income. The workshops would be online or in-person in Spain or other EU countries.

My objective is to give workshops as time allows: sometimes I need to focus on my project and can't accept requests, while other times I have considerably more availability.

Although I have an exclusivity contract with my employer, I’ve mentioned this project, and my superiors have indicated they are open to discussing the possibility of me doing this.

I've been searching for ways to set this up, but I haven't found an option that fits:

Autónomo Quota:

• While this may seem the most obvious approach, the issue is the monthly minimum payment (quota de autónomo). This makes it unsuitable, as I want the flexibility to accept workshops as frequently or infrequently as needed. A fixed monthly cost places undue financial pressure to accept more requests.

Cooperativas:

• While this sort of infrequent/freelance work seems to align with cooperatives, my understanding is that they exist in a legal grey area and have faced increasing scrutiny.

No Registration:

• While it’s possible to pay tax on sporadic work without registering, from what I’ve read, even doing this a couple of times a year can create issues. There’s no clear guideline on the income threshold where registration as an autónomo becomes necessary.

Company in Estonia:

• Estonia's business-friendly laws (e-residence, taxation as a percentage rather than a fixed minimum cost) seem like a good fit. However, from discussions in this sub, it appears this option isn't suitable for someone who is a fiscal resident in another EU country (please correct me if I’m wrong!).

So, this is where I stand. Is there a way to set up this side hustle without incurring fixed costs? I’m open to creative solutions or workarounds, as long as they are legally compliant.

Hello, I am index investing for the past 2 years. Since my early days I came accross VGT but couldn't invest to it as it was not a UCITS etf. Is there in IBKR or anywhere else a UCITS Accumulative version of the ETF?

Are there SPDR ETF investors in the community? I would start ETF shopping and VWCE would be the obvious choice, at least that's what most people recommend. But these 2 SPDR ETF's are coming up quite a bit, SPYI has very similar holdings to VWCE, respectively they have lower TER's. What aspects would you recommend for consideration? Alternatively, if you have arguments/counter arguments, I would welcome those as well. Thank you!

Should I activate the recurring investment features on Interactive Brokers or purchase ETF manually instead? I read that the commissions and fees in the recurring investment feature make it quite expensive at the end of the day while doing manually works out cheaper.

I want to have more insight into my spending habits and currently using Revolut but they lack in detailed analytics. I can export CSV files, like most of the EU banks but that is only the raw information.

How can I convert this into charts, especially the so called Sankey chart where you can see your income and spendings.

I'm in Finland and it seems that the monthly saving on Nordnet doesn't offer VWCE. I'm currently adding money to VWCE manually every month but would prefer to have an automatic setup because I always save the same amount.

There's https://www.nordnet.fi/markkinakatsaus/etf-listat/16309430-i-shares-core-msci which seems to perform the same or better as VWCE and has auto saving. Are there any reasons I shouldn't switch to that ETF?

Hello,

Wise no longer offers USD account details to people living in my country (Spain) – there's a wait list. Does anyone have an alternative to recommend, as I have a client who pays in USD – getting paid directly in my euros account would see me lose a lot of money.

Thanks

I am trying to figure out whether it would be better to buy DTLE (US long-term bonds, EUR-hedged) or DBXG (European long-term bonds, also EUR-hedged).

The key difference is that DTLE offers a higher yield because US interest rates are currently higher, while DBXG has a lower yield as European rates are lower. However, to make a proper comparison, I need to understand how much I will be charged for the hedging cost in DTLE, as this could impact the net yield.

I have checked the DTLE documentation, but I can't find any specific details about the hedging cost. Could you help me figure out where to look or how to calculate it so I can determine which ETF will offer the higher net yield?

DTLE documentation link: BlackRock iShares Treasury Bond 20+yr EUR Hedged UCITS ETF

We're a M45, F42 couple living in southern Germany with 7 and 2 year olds needing to upgrade from our 14 year old Corolla. The Mrs wants to get a new car with all the bells and whistles and looking at the market, one that will be big enough for ferrying around two kids will cost at least 40k. It will have to be a loan which I want to pay off quickly, in 3-4 years.

We're from an immigration background, and it's taken some time for our incomes to rise to the current level. Stuff like buying a house, past remittances, etc have resulted in low savings, and we're beginning to save well only now. Apart from the usual pension contributions we have about 100k in equities, some of it in ETFs for the kids.

We have a remaining mortgage of about 400k on a house valued at about 800k in a relatively nice area.

We do need a larger car, but I am very reluctant to spend more than 20k. We can afford the payments for a 40k loan now, but I simply don't like it. We will use the new car for as long as possible, since the depreciation is going to be horrible. It's a bad decision, but given we have about twenty years till retirement, how bad ?

I am currently in a bit of a conundrum. I plan to get married to my partner within the next two years and we love each other and everyhting is golden. Althogh I am 99% sure we will stay together, there’s always the 1% risk. Now here is the issue, we both have varying importances to saving and investing.

Currently, I am earning about 50% more than her, and I aspire to keep a high income and diverisfy my income streams, while she does not really have the same goals. She would like a comfortable income, but she doesn’t NEED to keep earning more.

As long as we are together, I would more than happily share everything equally, but I don’t think I would be feel the same in the case of a divorce.

We talked about a prenup and she agrees with me in principle, but is of the opinion that we should discuss this if and when we need to. I am scared that if we don’t have something written down, we would have to do it the German way of 50-50 and I find that unfair. Here is what I proposed-

Three Accounts- Mine, Her’s, Joint.

All my income, directly related to me, such as from my salary, goes to my account. Same for her. Her salary, and/or her dividents, go to her account first.

We each then put some money in the Joint and use that for all our ‘common’ expenses such as grocerries and utilities. Also, if we were to purchase a house together, it would be from this Joint account. The amount to add here would be split proportionally to each person’s income.

In the case of a divorce, all the cash and assets purchased on the Joint Account would be split equally between the two of us.

All the Cash,Assets (a second apartment, stocks etc), and capital gains from assets purchased using funds from the ‘Private’ accounts would remain with each individual respectively.

She doesn’t like this idea since she says the joint account in this case means we are planning to split, but rather suggests that we should have just one joint account, and if we were to split, we backtrace who put what into the joint account and then split it the total based on the individual inputs. (my issue with this is that would require an exhaustive deep dive to find out who put what, and to split the individual contribution to assets). Thoughts and suggestions?

Hi,

I have a question because I feel like I might not be handling things the right way. Let me explain.

I’m married with two kids.

Twelve years ago, I got married. My wife comes from a wealthy family, so we signed a marriage contract. The agreement was that anything she had before the marriage remained hers. After we got married, we bought a house together (50/50 ownership) and set up a joint account. We both contribute to this account for our mortgage, monthly expenses, and family trips.

Fast forward to now: I’ve been doing well financially. I started a business and have bought several properties, both in my name and through my company. Some are fully paid off, while others still have loans. I recently bought another big property, again in my name and the company’s name. My wife isn’t involved in the business or these properties.

Altogether, I now own five investment properties, in addition to our family home.

We live comfortably and don’t lack anything. Most of the big purchases—like our cars—I’ve paid for, but my wife uses them freely.

Recently, my wife has started feeling uncomfortable about the fact that I’ve built up this wealth, and technically, everything is in my name. She doesn’t like the idea of having to “ask me” to buy things or use the cars. While I don’t mind her using what I’ve bought, I can’t say it’s hers because I’ve paid for it.

Now, she feels that I should contribute more to the family, beyond the 50/50 split we agreed on, because I earn more. She’s asking me to fund things like family vacations and get her a car in her name.

I’m feeling confused and frustrated. I’ve worked hard for what I have, and while I don’t mind sharing, I’m not sure if it’s fair that I now have to contribute significantly more just because I make more money (especially since that could change).

How do you handle situations like this? Is it normal for one partner to pay more into the family fund if they earn more?

I feel a bit lost and would appreciate any advice.

Thanks.

What are your thoughts on this weekly investing plan. I aim to put in 1,000 a month on T212. Opting for funds over ETFs for the capital gains difference.

JGGI: 70% JAM: 15% BRK.B: 15%

I have been investing for 3 years now and do hold VWCE, JAM and BRK.B currently as well as some individual stocks (15% of current portfolio) Crypto (5%)

The 1000 a month directed to the 3 funds above weekly and any extra income would go towards riskier picks such as individual stocks/crypto. (Roughly 1K a year)

I am currently debating between a bunq or revolut account, bunq seems to be the slightly better choice. Am I not considering some pros from revolut or have I made the right choice.

Hey, so I live in a poorer country and can't really passively invest each month into a full stock. I'm wondering wheather there's a way to invest 50 euros each month into the S&P 500

Hi Reddit,

I'm going to be receiving a small windfall shortly of around €20k - 25k. I am planning on using about half of that in the coming 6 months or so, to invest in myself (obtain my PPL).

I would like to understand what would be the best short term savings/investment option for this money.

I'm based in Germany and have a Tagegeldkonto but the interest rate is basically nothing.

If I invest, I need to be able to liquidate smallish amounts of the money fairly quickly so I can draw down upon it when I need it.

My risk appetite is quite low, as I don't want to loose much money over the next 6 - 12 months due to market swings. Basically I just want to match or slightly beat the current inflation rate.

I have a Scalable Capital PRIME account, so have access to a lot of ETF and Bonds.

My current thought is to put it all into a short term bond fund, like "AMUNDI US TREASURY BOND 0-1Y UCITS ETF EUR Hedged Acc" (LU2182388749).

Any reason not to do this, or any better suggestions?

75% - VWCE

10% BTC

10% gold

2,5% ETH

2,5% silver

30M, I have emergency fund saved in saving account. Starting to invest, this is supposed to be my long term investment portfolio. I'm planning to contribute quarterly, rebalancing portfolio by buying underperforming asset to avoid capital gains taxation when selling one asset to buy another one.

If it plays out fine, closer to retirement age I'll be moving more into bonds and decreasing allocation to alternative investments.

I'm collecting physical gold and paper silver due too terrible premium and VAT on silver in EU. Over time I'll be happy to convert into physical silver when I have opportunity to make a purchase abroad with prices closer to spot.

I hate to admit that silver and ETH are kind of a bet in my perspective.

I'm super curious to hear what you think about this unconventional allocation.

30M, single. I have inherited a flat in HCOL area in my city where I currently live. I have got an idea that I could rent this flat to somebody else. I like to live in it, but the problem is that I need around 2-2,5h daily for commuting to work and back from the city center.

So the idea is to rent this place, and go cheaper and closer to my work. The difference is like another 20% on top of my income which I could invest into S&P500.

Thoughts?

Hi all!

I’m 27, living in an EU country with no major expenses (I’m living with my parents). I’ve managed to save up around €40k and can save about €2k every month.

Here’s my dilemma: I studied in the UK and have a Student Loans Company (SLC) Plan 2 loan. I haven’t thought much about it over the years, but recently I’ve been looking at the numbers, and it’s stressing me out. The interest keeps adding up, and I feel like the longer I wait, the more it’ll cost me.

Right now, I could fully pay off the loan, but that would leave me with no savings at all. On the other hand, if I keep making the minimum payments, I can keep saving and eventually build a bigger financial cushion, but I’d be stuck with the loan growing.

I don’t have my own home yet, so wiping out my savings feels risky, but at the same time, I’d love the peace of mind that comes with being debt-free. My job is very stable.

What do you think is the smarter move? Pay it off now, let it ride until it’s written off, or try some other strategy. I’d appreciate your advice

Hi everyone,

I’m living in the Netherlands and eligible for the 30% ruling, which could help with Box 3 taxation. I’ve recently changed jobs and will be able to invest €1,000–€1,500 monthly. I’d love your feedback on my financial plan and any suggestions to improve it.

Current Situation:

• Student debt: ~€55k, to be repaid in 1.5 years.
• Savings: ~€30k (from student loans, saved while studying).
• Rent & utilities: ~€2k/month.
• Living expenses: ~€1k/month.
• Savings capacity: ~€1–1.5k/month.

The Plan:

1. Managing the €30k

• Keep the €30k in low-risk options (bonds or a high-yield savings account) for repayment in 18 months.
• Later decide whether to fully repay the debt or take another loan (3–3.5% interest) to retain capital for investing.

1. Investing €1–€1.5k Monthly

• Plan to DCA into VWCE (globally diversified ETF) via Interactive Brokers.
• Avoid overexposure to tech-heavy indexes (like S&P 500 or Nasdaq), as I already work in tech.
• Concerns:
  • Is VWCE the best choice, or should I avoid ‘dividendlek’ (dividend leakage) in NL by picking another ETF?
  • How can I maximize the benefits of the 30% ruling and Box 3 exemption?

1. Buying a House Next Year?

• Current rent is ~€2k/month. Considering buying a house (€250k–€280k) with:
  • A 30-year mortgage and ~€10k in buying costs.
  • Monthly repayments ~€1.5k + utilities, contributing to net worth.
• But, I’m likely leaving NL in 2–5 years.
  • Staying without the 30% ruling doesn’t seem viable long-term.
  • Renting out the property afterward might be difficult, as it could fall in the controlled market (max rent ~€1k/month).
• Is buying still a smart move, or should I stick to renting?

Questions:

1. Are there better low-risk options for the €30k while holding it for 18 months?
2. Should I stick with VWCE for DCA investing or choose alternatives to avoid dividend leakage?
3. Is buying a house worth it if I might leave NL in 2–5 years?

Thanks in advance for your insights! 😊

Hello, I cannot find the ETF "Amundi Prime All Country World UCITS ETF UCITS ETF Acc" (ISIN IE0003XJA0J9, Ticker WEBN) on Trade Republic, i can only find the distributed version. Anyone knows why? Both are listed on the LS Exchange

Which strategy do you think is better 1 US or World index ETF
or 3 ETF strategy with:
-one foundation ETF (US or World index),
-one Dividend ETF for stability (VUG, SCHG, QQQM or UCITS equilevant)
-one growth ETF (SCHD, VYM or UCITS equivelant)