personal finance in europe

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...

Suppose I bought 10 shares of an ETF at 100$ and another 10 shares of that same ETF at 90$ at a later point of time. The average right now is 95$ for 20 shares. A) Now if I sell 10 shares at 97$, will it be considered as a profit or a loss? Is the buying price considered or average price...

I’m considering moving to the EU from the US for a better quality of life. I enjoy skiing, mountains, and hiking, so looking into Zurich but open to warmer climates as well. I noticed in Germany and a lot of EU countries, salaries for product design are quite low. However, in Zurich I’m seeing...

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 European Personal Finance community, I'm crossposting this from r/EuropeFIRE I know this might seem self promotion, but I hope you see value and beauty in my project. I want to launch a European Early Retirement Guide. I think there's a strong demand for collecting information about Early...

From the U.S. I am used to low-cost or no-cost managed or at least semi-managed robo portfolios (e.g. Charles Schwab). I now came across "cominvest" (link in German) by Commerzbank/comdirect in Germany. Basically, you set an amount and your risk profile and the banks systems take care of the...

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...

I want my three kids to have (more or less) the same amount of savings when they reach 18. Interest rates will change and they'll receive gifts in the coming years, which means I'll have to accept some differences in the outcome. For the sake of calculation, I will pretend the interest rate is...

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)...

Hello all sirs, I am writing this post to make a little table of the options available right now in Europe. Are you using a cashback card? It's not on the list? Tell me! Card Reward Reward kind Fees Coinbase Card 1% to 4% Crypto Card Issuance €4.95 + many fees Crypto Card 1% to 8%...

Hey everyone, I turned 30 this year and am looking for some help and advice on planning my financial future out. I am an Indian citizen living and working in Austria (currently have a Rot-Weiß-Rot Plus Karte, will hopefully have a Daueraufenthaltstitel from 2022). I “worked” here from 2015 to...