I became spanish citizen (I haven't lived there yet). I work as a freelancer for a US company. I would like to move to Europe, but don't want to get killed with taxes.
Any advices under 2025 regulations? Thanks!

Hey everyone,

1. I have 50% of my ETF portfolio in SP500 but would like to sell this and re-invest in EU. Anyone has recommendations for a similar type ETF?

2. Also consider to sell my 25% investment in global small caps and putting into EU. Also would gladly accept alternative EU ETF suggestions?

3. Finally, I also have a new pot of savings that I need to invest on a 5 year horizon. Here I am also glad to take any suggestions for EU based ETS with this time horizon.

• 99.98% VWCE

• 0.02% cash (I dont wanna do fractional shares)

All opinions/help are very much welcomed, thank you

Hi, I am trying to create a portfolio for 25years time horizon, I am 35 Years old, what do you think about this allocation? Investing 2000€ per month.

40% MSCI ACWI (IUSQ)

15% SP500 IT SECTOR (QDVE)

10% MSCI USA Small Cap Value Weighted (ZPRV)

20% MSCI World Momentum (XDEM)

7.5% Xetra-Gold (4GLD)

7.5% Bitcoin

All opinions/help are very much welcomed, thank you

My entire portfolio is S and P 500. I want to keep a smaller portion (10 percent) with possibly higher gains while still limiting the risks.

I am considering moving 10 percent of my portfolio to

1.Invesco QQQ Trust (QQQ)

2.Vanguard Information Technology ETF (VGT)

3.FTEC

4.All 3 equally

I highly prefer accumulating ETFs. If you think its a good idea could you also mention accumulating etfs tracking these two ?

edit: Added ftec

Hey all, I have an account with Fidelity and two years ago they stopped allowing ETF purchases due to my European residency. Also can't buy ETFs in Europe as you all know.

I came across some posts saying it would be possible using options, anyone know whether this works with Fidelity and is there a tutorial for this somewhere?

Just want to buy VOO and chill. Thanks

Hello, are there any significant differences/advantages between these 2 SP500 accumulating ETF ?

- Ishares I500 (IE00BMTX1Y45), synthetic, 0.05% TER

- Invesco SPXS (IE00B3YCGJ38), synthetic, 0.05% TER

From my research, the Ishares I500 has lower trading fees, higher volume, and lower bid/ask spread, so it seems the best.

Remark: I invest in EUR using Interactive Brokers and I am only looking at accumulative ETF, with a preference for synthetic because of their better performance.

By the way, would there be an advantage to use the physical version of the Ishares (SXR8), other than potential lower bid/ask spread and higher volume ?

Thanks in advance for your help.

Trump has openly stated that he wants to devalue the dollar, so as to help their exports. Should we change our ETFs to the euro hedged versions?

You know in america they have cheaper real estate with more expensive rent, which in fact can make you alot of money. But Is this also a good strategy here?

i’ve done some research and its definitely works in the Netherlands.🇳🇱 (we dont even need a downpayment)

I already set aside my emergiences fund and money for courses and hobbies, thus i have these 3000 euro sitting in my bank account. Should i keep them there or can i invest somewhere?

I'm 21, will be 22 this year. I got my first job last year and I'm good with finance and savings, but I was thinking to start investing. For the first step I was just thinking to invest for long term on s&p 500 because I saw it's the simplest way to start, to invest like 20% of my monthly salary into that and then maybe into crypto a bit, like maybe just bitcoin and etherum and try to hold that for the long run (maybe will also try memecoins, but that's BIG MAYBE because I'm sceptical about it, was thinking to try to invest into some new memecoin like 50 euros max and see if it can make some fast jump and sell it fast), like maybe 10% into that to try it. So I'm curious what are the best apps to use? One my friend recomended me trading 212 for stocks, but I also saw many videos on youtube from some germans etc. not saying much positive stuff about trading 212, but giving number 1 spot to ibkr so I don't really know what to choose. Like I said for the stocks I just want to invest on s&p 500 for the long term and maybe a bit into crypto so I just want to use 1 app for stocks and 1 for crypto so that it's simple and easy. For the crypto lot of people mention coinbase or trust wallet, but I don't know much, I'll watch more videos and read some blogs to inform myself better, but if anyone is willing to help and knows more here then why not asking for help here aswell. In advance thank you for everyone who's willing to help and comment.

Have liquid and fixed asset of 500k. Do not own a house nor planning to buy one. 14k net income (between wife and myself) with potential to increase to 17k by end of the year and within high cost of living country of residence. 1 child <1 year of age. Saving 4K per month as now and 7k starting end of the year. What should be the realistic target and timeline to retire?

Hello! Anyone investing in ECOF ( wisdomtree coffee EUR)? I would like to know what's your strategy . I'm winning 17% today and I'm not sure if I should just sell or leave it , because it will go down for sure before grow again.

Hi everyone, I’m considering adding a global government bond ETF with EUR hedging to my portfolio, which currently consists only of VWCE. The idea is to reduce volatility and have a more stable component.

However, I have some doubts about the impact of currency hedging. On one hand, it eliminates exchange rate risk against the euro, but on the other, it could introduce costs and distortions in the long run. Do you think hedging on a bond ETF is a smart choice, or does it end up being an additional risk?

Does anyone have direct experience or insights to share?

Thanks!

Hi everyone,

I'm looking to build the bond portion of my portfolio to complement VWCE, structuring it according to my investment goals at 2, 5, 8, and 10 years. My focus is on government bond ETFs, avoiding corporate and aggregate bonds.

The idea is to use ETFs with different durations to optimize risk/return across these time horizons, but I'm struggling to find efficient solutions. I’d also like to keep the portfolio simple and not overload it with too many instruments.

Does anyone have experience or recommendations for specific ETFs that might fit my needs? What strategies do you use for the bond portion of a global or European portfolio?

Thanks in advance!

Angular - .NET developer.

Like SPYL and FWRA for example. Can someone please explain? Is there some cons investing in less known but lower fees ETFs?

Age 25, Brussels, Belgium, living with a partner with stable jobs. I’m a beginner at investing and need help setting goals. I know I’ll eventually buy a house, but I’m not sure when (could be in 3-5 years or longer).

• If I start investing now, do I need to rule out buying a house anytime soon?
• What strategies can help me grow my wealth while keeping the flexibility to use the money for a house later on?
• Rough example. Putting savings into a all world etf, to start, is always a good idea? while i decide how my portfolio will look like?

I’m not aiming for early retirement, just trying to grow my wealth. Prices are CRAZY where i live now, so i will only buy if i find a good deal. However, i do not want to have money sitting in the bank account. At some point I might buy a house, but i want to invest as well. Ah, i guess everyone goes through this :D

Interested to know your experiences!

If the question is dumb, please do not insult, I am happy to understand together why i am asking the wrong question :D

Thanks!

I have some euros in Wise but I live in Chile so I don't have many opportunities to spend that money without paying some fees.

Soon I will go to Europe as tourist and I would like to have a card to which I can transfer the money I have in Wise and use it there.

The card should have an european account behind so wise doesn't charge me fees to transfer to it.

Wise's card is not available in Chile so that's is not an option.

Is this possible?

Hi! After a long time of allowing myself to be intimidated by the thought of investing, I've now set things in motion. But I've ran into an "obstacle" quite fast while registering an account at IBKR, and want to see if someone has had the same/a similar issue.

You're supposed to put your tax residence when registering. I've just finished university (and therefore still looking for a job, aka not paying tax) and will soon leave this country (not my home country), to a whole other country (two possibilities). My temporary residency permit expired recently. I did register here with an official address years ago, but I'm not sure I can still put the country as my tax residence. While I wait to see when and where I move, is it possible to still open an account? What tax residence would be correct, especially if it turns out I'm not registered anywhere for a while until I settle on a place to live for a while?

Grateful for any info, guidance, or tips! :)

Since a couple days ago, specifically since Trade republic launched their french bank account transfer and PEA, i’m starting to have bugs on the app, for example, I can’t see the % since buy on some stocks like NVidia. The website also is buggy. Does anyone have same issues ? If yes how to resolve ? This is worrying

Hi, as title says, I need help to allocate 20k in ACC etfs so I can just set and forget, I dont plan to sell anytime soon, investment horizon: 10yrs+ or more

Thanks!

Hello everyone, following the news of Nvidia stock losing it's value in a day (564 billion) is it safe to invest?

My opinion is this: Since it's almost a monopoly (there is also AMD and some others) but they are The if not the Largest in the field (might be wrong though) and there is a widespread usage of the internet today and computers and crypto mining etc. Won't their prices go up again? Moreover since Deepseek is open source can't Nvidia utilize it's strengths for the improvement of their hardware and software?

However I am skeptical about Nvidia, I've heard they do crypto stuff and as a new investor I do not know how they work. And I would like some insight or a book recommendation to better understand them. I saw some years ago some people suggesting investing in XRP but I never did and with it's current increase in value I genuinely think of putting some money there and wait for 10 years let's say hoping it will skyrocket.

Hello everyone, following the news of Nvidia stock losing it's value in a day (564 billion) is it safe to invest?

My opinion is this: Since it's almost a monopoly (there is also AMD and some others) but they are The if not the Largest in the field (might be wrong though) and there is a widespread usage of the internet today and computers and crypto mining etc. Won't their prices go up again? Moreover since Deepseek is open source can't Nvidia utilize it's strengths for the improvement of their hardware and software?

However I am skeptical about Nvidia, I've heard they do crypto stuff and as a new investor I do not know how they work. And I would like some insight or a book recommendation to better understand them. I saw some years ago some people suggesting investing in XRP but I never did and with it's current increase in value I genuinely think of putting some money there and wait for 10 years let's say hoping it will skyrocket.

Here is my situation. I got into that company called crypto.com a few years ago. They had an original promise of giving cards with very good returns here in the Netherlands if you bought their crypto.
Within the first year or the second year of crypto.com offering the cards I bought into the Jade card back when it was 3% cashback on everything no matter what and free Netflix and free Spotify. My original investment on that card was either 3000 euros or 3500 euros I don't remember. Back then I did the math and it was possible for me to make a profit out of it due to me having a more extravagant spending life back then (had another job).

Currently my staked CRO is only worth around 500 euros. They changed the terms.. I still get 2% cashback on everything I spend but only up until 50 euros per month. Without taking into consideration all the cashback i have already enjoyed and spent (i think probably around 1k) it would take me 50 months spending €2,500 a month in that card to get another €2,500 in cashback for me to be worth keeping that stake.

I also read somewhere that i can't sell all my CRO .. i have to wait 36 days if i unstake today. Thats crazy.. !
I don't care about the lounge since i have other cards that give me unlimited people in Prio pass.
and yes i am not factoring in the 4% per annun retun on my stake. I guess with crypto going up and down 4% on a b tier coin is a rounding error.

So what do you all think should I unstake and sell all my CRO crypto or keep my 2% cashback ? i certainty don't spend in debit 2.5k a month every month i feel like i havent unstaken up untill now due to that phenomenon called "sunk cost fallacy" if i unstake today i would feel like i lost 2.5k when in reality is like me putting aside 500 euros today to enjoy a card that gives me 2% cashback up to 50 euros a month. (the 50 euros tops being the detrimental part of it ) .

Cheers to all!

So I am planning to spend about 150 euros in etfs and i chose two etfs.

Problem is with the deposit fee! In this case, nordnet has all the etfs that I want and I can buy them, but it costs me 9 euro from the 3rd month (first 2 month will be 3 euros as a new customer).

IBKR does not have all the etfs that i chose, however, they have a very low deposit fees. They have all the msci but i did not found for example VGVF and SPPW!

Any suggestions? 😓 investing from Finland

I'm aware of the EU right to a basic bank account which says "Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established" but heard only of applications being denied on precisely that basis, so I take it that the EU law doesn't also cover online applications (?).

Are there any Italian or German banks offering (free) bank accounts that can be open online by an EU national living in a different EU country? Any success stories and catches? How did you do it? If a local address is required, does buying a local mailing address work?

I know about Revolut, etc. I am specifically interested in an Italian or German issued debit/credit card, i.e. an Italian or German card bin (first 6 digits).

p.s. N26 isn't available to all EU countries.

Watching some call options on trade republic I thought that the price of them seemed to be a bit low. Why is that? Are that particular type of options? Or are the prices fair ?

Hey All!

I did this small site with notion, putting together my point of view to questions - which I feel are repeated here on a daily basis.

Index Investing in EU: https://indexinvesting.notion.site/18a2597d86e980ecaa0afca9d3ca16c5?v=18a2597d86e980b69191000cf8ccf46e

Please give me feedback, is this helpful?

As we all know, comparison is the thief of joy. But sometimes it can be hard to feel good about your current situation or trajectory when comparing with others on the internet.

I just want an impartial view on whether I’m doing well and on the right track to have financially free life.

Here’s my stats:

M33 married to a F31.

Live in the Netherlands.

I’ve paid off my student loan.

We own an apartment in a good area worth around 875k. Bought it for 700k in 2020 and have paid off 75k so have about 250k equity in the apartment.

We have a joint investment account valued at 30k currently. Separate to that we both have about 20k each in our savings accounts.

I currently make 4500 net each month, my wife makes 5700 net each month and should be getting promoted soon. We put 2k combined into our investment account each month.

It’s a damn struggle to stick to that 2k savings each month and it feels like we’re scraping by to make that happen which can annoy my wife as she’s not as into this savings thing as I am.

Are we doing okay and when will it start to feel as though we’ve “made it”?