personal finance in europe

Hello everyone, I'm 32 married and live in Berlin. I have a 2-year-old boy and I'm planning to invest/save his kindergeld(~250EUR monthly). My Bank's(Sparkasse) wealth advisor recommended Private pension Insurance. I can set when he can get it 18/25 years etc., He can continue to put...

Hi all, I am building my boglehead portfolio and I am thinking about two options: PORTFOLIO 1 90 % - SWRD - SPDR MSCI World UCITS ETF (TER 0,12) 10 % - EIMI - iShares Core MSCI Emerging Markets (TER 0,18) PORTFOLIO 2 40 % - SSAC - iShares MSCI ACWI (TER 0,20) 60 % - VUSA - Vanguard S&P 500...

Hi, FIRE subreddits used to recommend to buy 2-3 years old Toyotas. Do you think this is still the best advice today? In the past few years: - used cars (especially Toyota) have gotten much more expensive, - 'cheaper' brand have risen in quality standards (Dacia Sandero/Stepway), - gas...

I was on /r/investing and came across a post about Cool ETFs but I noticed that for a lot of them I couldn't invest in them. So I thought I would make one for my European brethren and sistren. I will start with a few that caught my eye. iShares Global Clean Energy UCITS ETF (IQQH) First Trust...

Good afternoon everyone! Since my financial stability is greatly improved over the last years, I've come to conclusion, that instead of putting X amount of money in my savings account (you may call it my safety pillow) I should divide this X=Y+Z , meaning Y goes into savings account and Z into...

Hi, Is there any benefit to having two state pensions? From the UK, I live in an EU country and have no plans to return to the UK at the moment but may one day. I am allowed to voluntarily contribute to NI, but I currently have three years of contributions so it would take another 32 to collect...

Hi there I'm 20 y.o. and about to start my long-term investment journey. I've done extensive research to find an all-world ETF that could be the core of my portfolio for the next 20+ year, and I concluded that VWCE would be fine. However Vanguard just launched Vanguard ESG Global All Cap...

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%...

I’m new to fixed income and conservative investing in general. Lately been weighin on different t-bill ladder strategies. The goal is to employ my capital in a safe heaven and wait out this current ridiculous pump on a thin air – then do some decent shopping in 24’. I have to stay as...

I recently learned about the EII scheme and wanted to see if there was a chance I could talk to someone who has availed of it. Is it as good as it seems? You get a 40% discount on your income tax(30% year 1, 10% year 4), and you also get whatever is left of your investment in year 4. PDF...

Some people have asked about due diligence & research on stocks, so I decided to put this together. These are things to look at, when looking at a stock. Some of you may know me from my Due Diligence posts at r/FluentInFinance, but below is my Guide on HOW TO ANALYZE & RESEARCH A STOCK, and...

And to invest on S&P 500

Hi all, I’ve moved my EUR to Trading 212 last week because of the announced 4% interest. In the app it displays 4.20% now - is it just me? Thanks!

Hey there! I’m pretty sure that people have been here a while, they’ll read this and think is the same thing again. I’m 25 y.o, European, and with a job that allows me to save around 1700 every month. That money has been sitting in a savings account for a while not knowing what to do because...

I have a lumpsum payment of 10k Euros coming my way. Whats the best way to invest it? I am based out of Germany I am thinking of creating a TR account, put this into the Tagesgeld there. And over a period of 1 year invest it into a combination of Index Funds - S&P500, FTSE All World, MSCI...

Hello, I'd like to hear your thoughts on a current investment decision I'm facing. I'm from the Czech Republic and since 2018, I've been using a semi-passively managed investment platform, Portu.cz. I've set up a direct debit, and my money is allocated to one Portu strategy and one custom...

Hi, Since I want to buy a house, I need some of the money from my ETFs. I just need 2.086 EUR which I want to sell from my ETFs. Name of ETF ISIN Shares Current Price Total amount Effective Duration Unrealised return since inception Vanguard FTSE All-World IE00B3RBWM25 46.132 €104.17...

Hi all, I'm 28 and I'm based in Ireland. Interests on saving accounts offered by banks are generally very low here. To give you an idea, unless you go with a fixed term deposit account which locks your money for 6 to 24 months, interests can be as low as 0.1%-0.25%. Considering that I'm...

Hello everyone, A few years ago, I wrote a post about the beginning of my investing journey and another one after my first year as an investor. Currently, I am 27 years old and have been investing for about five years. This is an update on my current situation: I worked as an IT/Business...

First, I will describe my current situation: 24yo, Employed at a multinational company with permanent contract, net salary is 2.7/2.8k a month including meal vouchers. I get additional 4k net a year between bonuses, double pay etc. I will get a promotion soon but salary increase will only be...