europe

Let's consider following case: 1) I am EU citizen (Poland). 2) I want to rent a flat in Barcelona, Spain from 01.06.2024 to 31.05.2025 (that means I need to have NIE). 3) I want to stay 182 days in Barcelona in Barcelona from 01.06.2024 to 31.05.2025 with a break for Christmas holidays in...

UPDATE: I kept calling support daily but the only thing they would say is that I would get an email with more information in the following days. In the meantime I emailed N26 support and informed them that I would file a complaint with Bafin if they did not resolve the situation and/or told me...

I'm on vacation and going through my finances and trying to figure out how my family is floating and if its in line with our life ambitions. I made an overview to discuss it with my wife and dad (personal advisor). I'm torn between enjoying the fruit of my labor now while I have a young family...

22% ETF's [VOO (27%) and QQQ (67%) , VTI (6%)] 10% AMD 9% Communication Services ETF (30% GOOG, 16% FB, 8% V, 8% DIS, 5% NFLX...) 9% NVDA 9% Consummer Discrete ETF (21% AMZN, 18% TSLA, 8% HD, 5% NKE, 5% MCD...) 8% AAPL 7% MSFT 6% Emerging Markets ETF's (37% China, 20% Japan, 17%...

I am completely new to investing. I am currently picking the ETF to invest in and I cannot decide between All world (Vanguard FTSE All-World UCITS ETF Acc) and US only (Xtrackers MSCI USA UCITS ETF 1C). How do you choose to invest in either all world or US only stocks? I know that historically...

For me, I'm prioritizing value for € rather than speed or looks (maintenance!) so BMW X1 doesn't make the list! Toyota RAV4 1.815m Honda CRV 1.820m VW Tiguan 1.809m Nissan Juke 1.765 m Nissan Qasquai 1.785 m Citroen C4 1.789 m Citroen C3 1.728 m Fiat 500X 1.786 m Dacia Duster 1.822m Kia...

New application to keep track of your investments & portfolios! Play Store: https://play.google.com/store/apps/details?id=com.badraccoon.portfolioman The app allows you to keep a journal of your investments. You can also create several portfolios to keep track of your investments from several...

Hello, I just accepted a consulting job with a Berlin based company that uses Payoneer. As a U.S. citizen living in the States, I have bank accounts located in the U.S. Using Payoneer, there is a conversion fee to exchange Euro to Dollar when transferring to a U.S. bank for every paycheck. I'm...

If you'd want to invest in a world index via ETF or fund but wouldn't want to park your money at asset managers using their voting power to push agenda's such as ESG/DEI/Woke/Genders/Rainbows/Unicorns/etc how would you go about it? "The three largest passive asset managers (Blackrock, State...

Hey, I'm financially illiterate. I just learned about T212 and started investing last month. It seemed pretty easy and straightforward. I read some guides and opened an IBKR account last week. I'm trying to invest into a simple VWCE (which is called VANG FTSE AW USDA on IBKR, right?). I read...

They asked me for proof of funds and 2 days later they close my account and freeze funds. I exchange several messages with their customer support which is probably outsourced so they really can not help. Sent emails to founders, put complain to BaFin....anything else I can do? They are holding...

I feel like half the posts on the sub are people asking for broker advice. Obviously without doing any research since the options in EU are limited and speak for themselves. Can we either remove these low effort posts or refer to a Q&A section? Edit: well this blew up. I agree that there...

Hello eupersonalfinance, Original dutch post @ Some question for the Belgian people in the community. I have an account @ DeGiro where I deposit some money every month in a IWDA ETF (free because it's their core selection). But I have not yet decided how I can make my porfolio/mindset more...

It has recently come to my attention that Trade Republic will offer 4% p.a interests from October 1st 2023 and on. Since I was planning to put my emergency funds there (10k), I was wondering whether TR has the same safety nets as normal band would have in this case. Can anyone shed some light...

Hello This question is mostly related to people living in the Netherlands but any opinion is welcomed. This will be the first time for me changing jobs in the Netherlands but also moving to a more expensive location (from a small town in the east to the center of the country - Amersfoort or...

Hello, we're a small company providing logistics in Germany (courier services via bikes). We registered as a GbR to have it represnt us to clients. 4 of us are registered as members, and occasionally we have non member freelancers doing shifts "for" us. In practice the company shouldn't have any...

What do you guys think? Park the money at 4% while it lasts and then move it to ETFs, or always DCA, no matter what? Everyone I know believes that market crash is imminent and don’t believe in “soft landing”, especially in Europe. Americans seem more optimistic. Still, 4% is a lot...

Hey guys. Im from europe and decided to go for a s&p 500. Invesco S&P 500 UCITS ETFISIN IE00B3YCGJ38, WKN A1CYW7 - TER 0,05% - TD -0,26% - Ireland Pros: Low TER , synthethic Cons: my broker charges 1 Euro per monthly to be able to select this. Vanguard S&P 500 UCITS ETF (USD)...

I’m a 2001 Spanish national which is about o complete his Bachelors degree (this summer), and start a Masters+PhD in October (all my studies are in the U.K.). So I don’t know much about taxes, international salaries, etc. I have been working for this Spanish company for the last 4 years. My job...

Hi guys, For the past few years, I've been struggling with paralysis of analysis when it comes to Investing. I've spent a lot of time looking into which investments would best suit me, but the more I research, the more confused I become. All in all, I have yet to invest a decent chunk of my...