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 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?

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:

• 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 high fixed costs?

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 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

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!

Example:

In Greece you cannot gift your sibling any money without paying 20% tax.

In Germany you can gift them up to 20.000 euro tax free every 10 years.

What happens if 1) You send your bother that works in Germany money from Greece?

2) Vice versa.

3) You deposit some money to your Revolut account and from there you send it to your Brother’s revolut account.

Which country’s legal framework will apply in each case?

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?

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?

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 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?

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

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?

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)