personal finance in europe

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...

Context I’m about to start investing and want to ensure my strategy will work in the long-term for my situation. I am a German and currently living in Spain. I also have family in the UK and the US and am not sure where I will settle in the end. I could end up retiring in any of these 4...

I want to put my emergency funds (6 months of living costs, assuming a normal lifestyle) into short term government bonds / treasury bills. The idea would be that for 6 months I buy every month a 6-month bond, and 6 months, a bond will run out, and I reinvest the money again in bonds. I would...

Is iShares € High Yield Corp Bond UCITS ETF EUR (Dist) a good ETF bond? I saw it has an average of 7% yield (which is very high) and it has rating "A". The only thing is that the duration is a bit low and it won't have a big impact when rates will go down

Hi Guys, just came to some money (~ EUR 80k) and now I'm considering what to do with it. I don't want to keep an eye on my investments so I just want a "invest and forget" kinda option. My current plan (quite simple) is to invest the total amount into: 65% in iShares Core MSCI World UCITS...

September 2023 update on the bottom of this post --------------------------------------- Hi everyone. I'm 35 y.o and I'm in the middle of a life changing situation concerning finances. Let's see some opinions outside the very small circle with whom I can share these numbers. I recently broke...

I'm (22yo) not sure, where to put my money. Currently invested 45 k in ETFs and 5 k in a corporate bond, ~ more than 20 k rots in cash account for years. Is 20 k additional MSCI World too conserative? Portfolio pie chart Thank you guys for any advice.

I am reading in a "Historique Espèces" (~= history of cash operations) spreadsheet of a securities account in a French financial institution, namely Fortuneo. It says: The row "PAI 15 SOCIETE GENERALE means" that the account holder obtained some money (13.3 EUR) for the Prêt Aidé à...

Hello everyone, my plan was to buy 1 share (approx. 97€ currently) of VWCE ETF every month on IB. However, after I bought the first share I noticed that the fee was 1.25€. And, since the fee would be pretty much the same if I would buy 2-5 shares, I thought about changing my strategy to buying...

I’ve just turned 25, out of university and got my first job that pays 1.85k a month after tax with a lot of great benefits like free travel, lunch & healthcare. Aside from this i also work freelance and make another 1.9-2k a month. Coming just shy of 4k a month after tax, while my rent is 680€...

Hello everybody, I am fairly new here and have been investing for like 2 years now. Mostly small sums of money, around 200€ per month. I do mostly S&P500 but since I am in Europe I do the VOO. I currently live in Kosovo 🇽🇰 and there is a 10% tax on income if you withdraw to a bank account. I...

Is it possible to buy US Treasury Bonds (T-bills, T-notes) as European? I think I'm not interested in ETFs (like IDBT) as I would like to hold the bond until maturity to earn better interest on my USD. If I understand correctly you need SSN or EIN to buy on TreasuryDirect. I'm also happy to...

Amazing community, I am thinking of making things easier in my investment portfolio, but without giving up the higher potential return that a simple ETF strategy can provide (10% or higher potential annual return). At the moment this is my allocation: 38.86% ISHARES CORE S&P 500 (SXR8) 3.78%...

Dear all, I am using a throwaway account for privacy reasons. I would appreciate receiving advice on whether it is more advantageous to repay my entire student loan now or to begin repaying it after completing my education. I graduated with my BSc in 2018, accruing a total loan of £19,150...

Hey, I'm looking to move to a different country within the EU, and also technically starting a new job in another country, and this has raised many financial questions in me. I'll explain without specifically naming the countries if that's okay, so I'll use A B C D to represent them for privacy...

The details of the tax report looks like this. Kapitalerträge, die nicht dem inländischen Steuerabzug unterlegen haben Inländische Kapitalerträge €1,866.04 Ausländische Kapitalerträge ?? In den Zeilen 18 und 19 enthaltene Gewinne aus Aktienveräußerungen (i.S.d. § 20 Abs. 2 Satz 1 Nr. 1 EStG)...

Hello there, After I managed to cap 50k in trade republic, I'm looking for other options with at least the same 4%pa or higher...heard about Monzo going up to 4.45% or so. Any recommendation w/ or w/o short term staking where I should look at and any above that 4% of trade republic? I saw...

I have a doubt regarding 2 ETFs, FWRG and VWRP. This might also be a newbie question. l don't see why they both have different prices. Also, is it wise to invest more with Invesco rather than Vanguard because of their fees or invest with Vanguard because the fund size is much larger?

23 y.o., currently have 15k total, out of which 3k is invested in VWCE and the rest is just lying around. No debt, no dependents, etc. With my current lifestyle, the 3 month emergency fund needs to be around 3k. Every month I invest 25% of my income, other 25% goes on rent. So this sums up to...

It’s a given that as a tax resident in Italy I need to pay Italian taxes on any distribution I receive but is the IRA account itself subject to the annual wealth tax (roughly 0.02% of the 31 December balance)? Edit: To clarify, I am not contributing to a U.S. IRA. I have one from when I worked...