europe

New to this sub and I have a little bit of an extraordinary situation on hands. I’m a 28 y/o (m) living in the Netherlands. At this point due to poor financial upbringing and consequently very poor financial decisions, I have no savings. I did pay off all my debts, so I’m basically at 0. Now...

UPDATES (17-09-2020): Instead of replying to each of you individually, here are my comments and corrections (thank you for valuable comments): From your comments I see the post turned out to be a bit misleading: the DCA and modified DCA do indeed perform better than lump sum investing, but in...

I bumped into this year's Global Investment Returns Yearbook from Credit Suisse.I think it is particularly useful to people that have "global" index portfolios because a lot of the data we see is highly geared towards the US (e.g. S&P 500). But this report does a great job at showing how the...

Hello guys. New to investing so I would like an advice or your opinion if possible. My current status: I am Czech, 27 y.o., have emergency fund of ~6months, have also like 2k euro in stocks of czech companies (that grew nicely over couple months, yay) which I plan to hold onto. I do not have...

Portfolio update: please feel free to comment and add thoughts. Thanks very much in advance. I know the portfolio is tech-heavy, but some of that is intentional, and I am working on making it less tech-heavy Background: 39M non-EU national living in Germany for the last 12 years, have been...

Hi, I am a 24 years old Portuguese resident. My next 4-5 years of income will come from a Ph.D. scholarship, 1065 a month. So I got a pretty secure and fixed income that can help plain in the short term. My goal is long term passive, 30-40 years maybe. If I can achieve financial independence...

Hi all, so I am often reading the contributions on FatFIRE. And there people are describing compensation packages which sound fantastical, if I compare them with what there is in Europe (even converting USD to EUR at a rate of 1.2). Like you have stories that if you start as a software engineer...

Hi everyone, I (Italian nationality) used to live and work in Portugal (Lisbon, July 2016-March 2019) for a local company and used to have a tax address (= morada fiscal) there too. I subsequently decided to move to Ireland on a temporary basis and lived/worked there for almost two years...

Hi guys, Since I work at Ericsson I have the option to put 10% of my monthly gross base salary into Ericsson B stocks which are worth 95 SEK right now. The company will pay 15% net of my contribution back to me and they will also cover the tax. Does this seem like a worthwhile investment...

My broker requires me to complete a CLP tutorial in order to trade certain instruments. I can't by the love of god solve these two questions. No matter which formulas I use, I keep getting 4.7-ish for the first one and 35-ish for the second one. Would love for someone to hint me in the right...

The question occasionally arises if p2p is a good investment space, so I finally fixed my spreadsheet to show my personal data. Few things to note: 1) While a few years back there were a lot of blogs promoting p2p (me kinda being guilty too), this post does not promote anything, the most...

I'm currently deciding how much US stock I should have in my portfolio, and I stumbled upon an article called Buying the S&P 500 today? Wait. These 7 Graphs Might Change Your Mind. from Banker on Wheels, which appears to be a frequently cited source in this subreddit. The article points out...

I have invested in Degiro in the VUSA ETF. The plot of the ETF follows the S&P (1 month data) but the S&P is down 0.5% and I am down 2.6%. I have not performed any other transaction, just bought 10 pieces of that ETF. I can't undestand the reason for the discrepancy. Any ideas? Any hidden...

My bank in Austria is offering an "ETF as insurance product" which appears to be a retirement-fund scheme (i.e. either lump sum payment or monthly pension after a certain date) with included insurance for invalidity. Anyhow, it has a running cost of 8% for 5 years which drops to 2% after 5...

I am soon 25. My plan before 25 was to break the ice of investing. Plan to get married next year. All my family (non-EU) members have their own buy/create-sell business and the money goes into business or mortgage. I am the one with 9-5 job. I can save about 1000-1300€ monthly (probably...

European Union regulations require fund/ETF providers to provide a Key Investor Document to potential retail customers as well as to translate that in the local language. My language is Finnish and all iShares, Vanguard & Xtrackers ETF KIDs have been translated in Finnish. I've been waiting for...

(long time lurker, first time poster) My last 5 years were quite productive income wise, thanks to a series of salary raises, timely investments decisions and controlled spending. So, I decided to reward myself with buying a new car for my family of four. I currently own a german 9 y.o...

I'm looking for EU broker that provides access to US options and has lower fees than IB. This is to try out a few risk~ish algotrading strategies, so the money involved is small thus making IB's minimal transaction costs relatively high overhead. Degiro lists following US options exchanges...

Hey, i’m from Norway and looking for a european online broker platform that is reliable and offers low costs for buying ETF’s (not yearly cost) and that will report taxes for me in my country if that’s possible. Does anyone have any good suggestions? :) The largest one in scandinavia almost...

Hello, everyone! I am planning to start investing for my future and I am thinking that ETFs may be the way to go ahead. Background - I am a Non-EU/Non US citizen. After several years of working, I have accumulated some cash but nowhere near enough to purchase a home in Germany and I am happy...