investment

Hi, I'm planning an investment to 60% stocks (VWCE) and 40% bonds. The bonds part is there to reduce risks/volatility. In my country I have an option to have a saving account with 1.9% p.a. interest rate - after taxes. This may ofc change, but expect that this rate will stay at least for a...

I have ‚x‘ amount of vested RSUs at 190 per share which are at a loss currently and also have ‚y‘ amount of vested RSUs at 134 per share which are at a profit. I have decided to sell some of them. Should I close the loss positions or the ones at profit? Why?

Hello, after reading this sub for a year, I finally decided to start investing (the waiting has probably cost me!). I’m a 33yo Czech citizen, working in IT in Berlin. I got lucky being able to live relatively inexpensively biking or walking everywhere, paying just around 500E rent, might go on...

Looking for insights on this proposal our bank manager gave us. For context, we're a 32-year old couple with a child due later in the year. The total amount to be invested would be around EUR 800,000. We don't have debts and don't currently need the money, but we will likely want to buy a...

I'm trying to understand bond market. Let's say in my broker account I have a choice between two types of the same US government bond ETF, let's call them: - US Bond USD ETF - US Bond EUR Hedged ETF So, the same product (US gov. bonds), same issuer (iShares), but one is EUR hedged. Both...

Hi everyone, Im looking for an ETF broker as the one Im currently with has high fees. Which would you recommend? I’ve heard not to go to eToro, but that Scalabe, Interactive Brokers and Trading 212 are good. Which would you recommend? I tend to buy just a few ETFs a year (Im a student so don’t...

Hi, all Recently moved to Interactive Brokers after Degiro increased their fees, trying to save some money but tbh wondering if IBKR isn’t more expensive really. Two questions for any IBKR users, my only use-case is buy and hold ETFs, no trading: - IBKR seems to default to Smart Routing...

US short-term treasury rates are on the rise in the last months. Today the 6 month treasury bill rate is 3.44%. How can we buy these from Europe? Any suggestions? I see there are some ETF options, but these ETFs are usually mixed and they continuously buy the respective bonds. Let's say I...

Every day I am bombarded with news how certain stocks appreciated 100s% in a short time (e.g., Nvidia). And now, friends also started boasting how their investments (real-estate, options, day trading, stock picking, etc) yielding amazing returns. And here I am stuck with my boring ETFs. I am...

Really looking for advice and thoughts. We live and are tax residents in France. Dad is totally uninterested in doing anything with I have 4 teens, 1 x 19, 2 x 18, 1 x 15 and myself (53). I've said that I will give them each €30 / month to invest, but that it has to be invested (so preferably...

Hi everyone [throw away account 'cause I'm mad for privacy 🙂] Our story 29f/33m, business owners of a small company (we do not have any employee)We have been able to save an average of 7.5k per month over the past 12 months due to "bull market" for our business, may drop and stabilize on 2-4k...

I am considering investing in a grid-connected solar park project in Greece with the following business plan: Power output: 500 KWH €/KWH: 0.063 Total cost: ~365000€, 80% loan and 20% equity Loan Interest rate/duration: 3.3% / 12 years Project duration: 20 years Calculated IRR: 6.2%, after ALL...

As a Hungarian tax resident, I received the following email from IB. Any of you in the same situation? As far as I understand, any accumulating ETF that does not issue interests/dividends is safe from this bylaw, right? I invest in VWCE and XEON. Dear Client,As you may be aware, the Hungarian...

I was recently investing monthly on 4GLD (Xetra-Gold) but due to recent KID related regulation not able to invest in it anymore. I found its KID and try to understand the risk in more details. Here is a text from its KID: I tried to understand the risk and took help of ChatGPT. It summarised...

Hi all! Probably stupid question, but i've been thinking about it and decided to ask for all your opinion. I don't have tax on capital gains if i hold the asset for at least 6 months. The 6 months arw calculated from the last share bought of that asset. Would it make sense to invest in 3...

Hallo there! I was wondering if the community would like to share some thoughts on this possible portfolio breakdown. I have been investing for some years now since 2015 and have never really had a consistent strategy or plan that I stuck to. I have done alright with the stocks I have bought and...

which stock market brokers in europe accept e-residency identification?

Hello Trying to buy: SPYL ACC EUR- AEB (Stock - NL). IB Base currency: EUR ETF Currency: EUR IBKR Pricing Plan: IBKR Pro My expectation: low commission. AEB commission: https://www.interactivebrokers.com/en/accounts/fees/combinedEurStkFees.php Screenshot of IBRK Examples: 1 000 EUR - 1...

During the latest FOMC last Wednesday the FED said that interest rate increases are coming to an end, but that rates will remain high for some time to ensure inflation can return to target (by 2026). Current Interest Rate projection Federal Funds Effective Rate (From 2000 to Today)...

Hey there, I am a nOOb wrt DCA portfolio. I am studying different strategies but all shared the same take away message: diversifying your portfolio reduce the specific risk. It’s clear to me! So, a question is: when do you buy ETF bond for a 20y DCA? I just started my DCA and it’s currently...