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@followingjesusdaily1975 They're basically identical so there's not much point in using both services. To optimise taxes however, you should open multiple accounts within the service and max them out 1 by 1, they can even be identical strategies. Just for luxury. After all, the best approach is...

@geryd Switch your Pillar 3a to finpension or VIAC and select a predominantly stock-based strategy with as low expense ratio as possible. Max this out first over the year. Immediately after a salary, put a comfortable amount directly into a broker account (IBKR is the cheapest one and will...