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@jsis Trading cost was not part of his equation and would only matter if you have staggered fees or fixed fees. As long as it is a flat% of the order it also does not matter. Additionally, with the rise of zero commission broker there are also ppl that don't pay any trading cost when the order...

@jess1975 10% of 2000€ is the same as 10% of 2x 1000€ 200€ and 100 + 100 = 200€ In the next year you will receive 10% on 2200€ = 220€ vs 2x 110€ = 220€. If the underlying appreciation of the Assets is the Same it does not matter on how many funds you spread it.

@buju Taking home 30.5k € net will atleast allow you to not worry about your financials :D I wish you a good start

@buju Even 100% wow. May I ask which field?

@buju Will you be employed according to the „TV-L“These are usually the E13 positions and then you should get them. If you are here on a stipend, you will not receive it. If 98 is your birthdate and you are already at you PhD congratulations! :D

@buju It is the "Jahressonderzahlung" which is usually coming with the december salary. Depending on whatever experience level you have it might be a bit less. https://oeffentlicher-dienst.info/tv-l/allg/jahressonderzahlung.html

@james2333 Agree, no idea how it works in Austria though

@resjudicata Austria 22400€ vs Germany 21750€ for the first year. No idea if the PHD salary in austria is adjusted by experience level.

@resjudicata Depends on the field. Usually you get a 65% E13 position which is 1740€ net. Every year you get roughly 100€ more. 30 days of vacation and an additional 0.5 salary december.