For lack of a better title.

I think most of us agree that time in the market beats timing the market. Now I am wondering, if the market tanks significantly, would it be worth paying part of your monthly contributions ahead in lump sum during the dip. Has there been any research on this that you know of?

Example: I invest 600 a month in VWCE and a 2008 type crash happens (lets say 10%). Is there a reason I should not lump sum 3000 into the market, or maybe DCA it over a week, and reduce my monthly contribution to 300 for 10 months.

Very interested in everyone opinions!

Revolut and Wise have card security settings that many other banks and payment service providers don't have (for example, only magnetic stripe transactions and online transactions can be turned off without affecting chip and PIN transactions).

However, there is one setting that I have not seen anywhere - to only allow online transactions after confirmation by the user (not only for 3D Secure transactions but also for others).

Or a setting to disable online transactions that are not 3D secure.

It's stupid to restrict you by having to enter an additional verification code or to confirm through the application when you make a legitimate transaction, while thieves are free to make transactions at merchants that do not require 3D Secure.

Write in the comments what security settings your bank or payment service provider supports for debit and credit cards.

Hi there, me and my partner want to have separate bank accounts with the option to create a joint bank account, which gives the opportunity to switch banks for one of us or both. For daily payments she is using a small French bank and I am using n26. For trading / investments and savings we use different banks.

What banks are you recommending for this purpose?

I wanted to put 200 euros into S&P500 but when I went to "review order" and im about to confirm it, the shown amount is now 214 euros

Hi all, I’m having extra 20k € that I’d like to invest in ETFs via TR due to being located in Germany and easier way to handle the taxes.

I will leave the money long term, so I was thinking going simple and invest in S&P500 and VWCE half half and that’s about it. Every month then I could add savings into both ETFs.

Is this something common or should I diversify more? I’m planning to leave the money for 20-30 years

Thanks all!

Hi, I am 40 years old. At the moment I already do DCA in my SPYL, but I would like to invest in another ETF.

What do you guys could suggest?

Hello,

Is there any sense the following portfolios options? Which one is the best and factual portfolio to choose?

A. VWCE + Russel + QDVE B. VWCE C. VWCE + QDVE D. SPYL + RUSSEL E. VWCE + N1ES

I will appreciate your answers

Apart from not getting into this situation of course!!!So this is my situation, £110K of credit card/unsecured loan debt. If you’ve ever been in the situation you know how it feels. Don’t do it.

Monthly payments are £2500+ PM 5 Kids under 10 year old Mortgage will go up in 2026 by about £500 based on current interest rates.

Option 1: Sell house and clear 90k debt and still have 20k debt left, move into rental and pay more for the rental than the home we have a mortgage on and start again. I could keep 20k behind and downsize and move into another property.

Option 2: Bankruptcy, wipe debt, risk losing house/assets and start again.

Option 3: IVA, payments drop to around £500 PM and have a clear budget we have to stick too, obviously many downsides with the mortgage rates but we get to keep the asset which could appreciate over time and after the IVA up to 70-80k of the debt could get written off after the 6 years. Takes the pressure of £2500 off immediately and although on a strict budget, it’s better than the current pressure to keep up with bills. Having some health issues right now and can’t take time off due to having to keep up with payments.

Option 4: DMP of £400 over 30 years, 30 years of debt, I’ll be dead by the time that’s paid off 🙈

What would you all do? Personally I’m leaning towards an IVA to get out the mess on the basis we have young family and long term would get us out of debt whilst also keeping hold of assets. I guess I’m looking for someone to tell me why they wouldn’t go into an IVA, anything I haven’t considered or points to make against maybe another option other than an IVA?

Really interested to get people’s thoughts here in the UK 🇬🇧🤯

Hi. I want to invest in a few US tech companies but I can‘t find them on TR. I am wondering if you could recommend another broker to use in Germany. Thanks!

Long term EU sticks

Hello everyone I'm new to the group and to the world of investing. I'm not proficient and educated in the world of investments hence I'm turning to a group of people who are enthusiastic about stocks.

I'm looking for Long term investment in European stocks which I can partially buy and start small

Would it be okay to ask for personal suggestions on your top 5 reccos for European stocks to hold them for long term (1 year+)?

I'd love to read, pick what I find interesting and choose from an array of options.

It’d be great if you could just add a line to why you’re recommending the stock - it'd help my curiosity and help pique interest

Thank you

Edit - grammar correction

Hi, m living in France for about two years with salaries visa.

I opened an account in trading 212 and bought a basket of stock. (I'm not a professional trader)

I wanted to know when in April I will declare my income tax, should I declare also for this trading app?

If yes, what's the name of tax declaration for it?

How do u realise the benefits of an etf, as in get the proceeds of it into your bank account ? I’m guessing u sell it, or is there another way. I would like income annually or monthly if possible, not constantly buying n selling etf. I have around 25k burning a hole in my pocket. Any wisdom much appreciated

There were predictions that by the end of the year, s&p500 will hit 6000.

Well that came 2 months earlier.

After the elections, there is already 5% up.

I was expecting that the FED cut rate would push the breaks on S&P. Was I completely wrong.

Whats more to come now? Will the s&p follow the 10%/y rule? That would mean we can expect a mini crush of 5-10% soon.

What do you think?

Edit: I know noone knows. I want your personal opinion.

Hello. A few days back I posted my old portfolio here, and made a few adjustments. Is it still too complicated? I would like to have your thoughts/recommendations on my revised portfolio. I am a 20 year old from EU, who plans to invest in this portfolio for at least 10-20 years.

Portfolio structure: 5% bond ETF; 35% S&P 500 ETF; 40% All world (MSCI ACWI) ETF; 10% USA Small cap value ETF; 10% Healthcare ETF.

Bond ETF: Amundi Prime Euro Government Bonds 0-1Y UCITS ETF DR (C).

All world (MSCI ACWI) ETF: iShares MSCI ACWI UCITS ETF USD (Acc).

S&P 500 ETF: Vanguard S&P 500 UCITS ETF (USD) Accumulating.

Healthcare ETF: Xtrackers MSCI World Health Care UCITS ETF 1C.

USA Small Cap value ETF: SPDR MSCI USA Small Cap Value Weighted UCITS ETF.

P.S. I am aware that this is a high risk portfolio, and I want to maximize my growth, since i have a lot of time. This is a taxable account.

P.S.S. I have opened an investment account, which in my country means, that I have to pay the tax only when I when I withdraw more than I have deposited. Any kind of re balancing would not trigger a tax event. The broker I use is commission free for now.

Thank you in advance!

Anybody who recently signed up to an N26 Metal account for their 4% interest rate and was frustrated to see it drop to 3%, looks like it is reducing again

Just got an email that from 8th January 2025 it drops to 2.5% 😕

Hello everybody.

I would like to know if it's possible to be informed about the ETF - Invesco FTSE All World and which is traded, at the IBKR brokerage, through Borsa Italiana.

I have been noticing a difference in the price charged between what is mentioned, for example, on Yahoo Finance or JustETF...compared to what is indicated on the IBKR brokerage.

I realize that there may be a delay of up to 15 minutes, but the differences are too big for that. We are talking, sometimes, about 0.4-0.5% less on IBKR, consistently.

What might I not be understanding for this difference to occur and that I do not see, at least with this difference, in other ETF's such as MSCI World for example.

Do you think it might have something to do with this ETF being traded on the Borsa Italiana (Milan)?

Thanks everyone

Hey there,
My family is looking to move to Malta from the UK. We're both permanent residents here in the UK, but are both European. We would like to keep our UK jobs. What are the steps we and the respective companies we work for, would need to take regarding Tax ?
How can we pay taxes in Malta, but still be technically employed in the UK/ work for UK based companies?

So I am a 21 yo student and have €20.000 in my bank account and I don’t know what to do with it at all. I’ve never invested before. Right now I just have my money in a savings account, but I’d like to do something more with it. What are the best investments I could make with this money? Thanks in advance.

Due to the impossibility to transfer directly our portfolios from Trading 212 to Interactive Brokers, does anyone was able to transfer via a third-party broker?

Does anyone used a third-party broker available to EU customers and without transfer fees or low transfer fees?

How much time it took to have your portfolios in Interactive Brokers?

There was any kind of disruption or administrative issues?

Thanks for all the help.

Hi everyone,

I have 30k Euro of savings sitting on a bank account of my private company. I have a plan to invest them into something in 6-7 months time but for now I just want them to generate some profit. I’m considering 2 options: bank deposit with annual interest rate around 3% and investing into ETF via Interactive Brokers (e.g. VWCE) which in theory could be higher than the bank deposit.

The plan is to either have bank deposit for a 6 month or sell invested ETF after 6 month. Since this will be done via private company, I don’t pay any corporate tax on profit (that’s how it works in my country) that’s why this part isn’t bothering me.

I can’t use trading212 or trade republic or similar since they don’t provide business accounts.

I would like to know whether there are any other options with low-medium/medium risk level that could be considered.

I am in a situation where I have quite a lot of cash sitting around on various HYSA's. I would like to buy some mmf ETF's. It seems like XEON is quite popular and shouldn't be hard to sell fast, if I needed to (which may happen some time in the next 9 months).

I am now contemplating if I should buy it on Trade Republic or should I open an IBKR account. Does it matter which broker I choose in this particular scenario? TR has lower fees, but given they only trade through L&S exchange, do you think it would perhaps be hard for me to sell a larger number of XEON through them in the future?

Thank you for any experience and wisdom in advance!

I'm looking to allocate 10% of my monthly contribution to a fund of emerging markets. I am looking into two which follow one of these indices but I am unsure of which to choose.

The FTSE All Cap one has shown larger returns for the past 5 years (it has no data from before). It also has larger amount of companies and a larger exposure to mid and small caps. Unsure if this is positive for EM though. The negatives are: 0,05% larger TER and No South Korea.

The MSCI one has mostly large caps and does invest in South Korea. Percentages in China and India are similar in both.

The main differences are the All caps available in the FTSE and South Korea being in MSCI. This is probably the explanation of why MSCI is dragging behind. I'm not sure if Small Caps of emerging markets are a good investment and have read something about South Korea starting to open to outside investors so might this reverse the situation?

For extra info, the funds are: Vanguard ESG FTSE Emerging All Cap: IE00BKV0W243 Amundi MSCI Emerging: LU0996175948

As the title says, is there any website in Europe similar to Investopedia?
I use a lot Investopedia, as it has a lot of financial content where I can learn, but many points are focus only in American data

Thank you.

Looking for an worthly opponent to JEPQ in order make a 2 year comparision ….

Need your advice/suggestions…

Thanks and Good luck to y’all

I am trying to get residency in Portugal but there's so many hurdles. one of them being opening a bank account with any employment statements. I haven't been working for a while as I've been travelling, so I don't have anything like that which are recent.

I am trying to set up self employment with a business partner but the only way to get paid at the moment is for my partner to be paid for both of our payments and he will be taxed more for this. Can anyone give me some good advice on how to remedy this.

I'm not sure if I can use Moey Bank as a bonafide set up, and will I have the same issues with them if I don't have statements?

Hello guys For aome time now I'm considering to invest some saved money into VUAA or CSPX, and since trump won the election it might be a good time to do so. What do you think about this? Is it better to invest in S&P 500 or all-world index right now?

I'm also looking for a good broker. I live in Poland, and i have looked at XTB and IBKR allready. Any reccomendations would be great, and I would appreciate if you also shared some experiences with them.

I heard some people talk about different account types getting taxed differently. Can someone help me woth that? I know there is something called IKE in here, but I won't be able to take the money out until I'm 65. And i want to keep this money as "last resort emergency fund" so idk.

Can somebody please tell me why is everyone recommending ETFs that are primary focused on FTSE or MSCI when SP500 is literally the dominant and all the returns are from US. The diversification of global etfs seems fair but its not like SP500 will stop producing what it have. All the innovations comes from US. Heck, even AI will.

I also noticed the average returns of FTSE all world or MSCI vs SP500 the difference is huge. The TER is also x2-x3 times higher than the SP500.

SP500 return on 'average' 8-9% after inflation but FTSE or MSCI bring on 'average' 5-7%.

Why not invest in SP500 and ride it for say 5-10-15 years and if it stop yielding a lot of returns, sell and move on with more diversified portfolio ?

Do you guys see the future outside of the SP500 ?

Hey everyone, I recently inherited around €170,000 and, for the last four months, I've been diving into the world of investing to make sure I put it to good use. I’ve read up on different strategies and watched tutorials, but I know there’s only so much you can learn from reading. So, I’m here to ask for some advice from those of you who have more experience in the field – I’d really appreciate any feedback on my plan to make sure I'm not overlooking anything important.

Here’s My Investment Plan:

• 60-70% in ETFs and Index Funds: I’m leaning heavily towards diversified ETFs and index funds, thinking this will be a solid foundation that balances growth with manageable risk. I’m willing to be patient and hold these for the long term. I like the idea of regular, predictable returns without the added stress of picking individual stocks.
• 30-40% in Gold and Real Estate: To diversify further, I want to allocate a chunk of the remaining funds to gold (either a gold ETF or physical gold) and maybe explore real estate. My thinking here is to create some stability and hedge against inflation.

My Questions:

1. Is it reasonable to put this much money into Index Funds, given that I’m new to investing? I see a lot of recommendations to do so to grow wealth and protect it from inflation, but this is a huge amount of money to me, and I’m nervous about putting it all into something I just started learning about. Does investing in ETFs and index funds sound reasonable for someone in my situation? I’m looking for long-term growth with a relatively moderate risk level.
2. Considering the global situation and high inflation, are my choices still suitable? With inflation, geopolitical tensions, and more conservative economic policies, does this approach to investing seem appropriate, or should I consider different strategies to protect this money?
3. Would a robo-advisor be useful in my case, or is sticking with ETFs and index funds enough? Since I’m not super comfortable with direct stock picking, I’m hoping ETFs and index funds will cover me well. I’m also curious if robo-advisors add enough value to justify their fees in this situation, or if they’re better suited for people who want a “set it and forget it” approach.
4. Any other tips or advice for someone in my position? Especially when it comes to balancing growth with safety, avoiding beginner mistakes, or picking funds wisely. I’d love to hear what’s worked (or hasn’t worked!) for you.

Thanks in advance!

I could use some advice about my student loan situation.

I originally took out a €20,000 loan for my studies. The interest rate was low at first (around 3.5%), and I was making regular monthly payments. But when interest rates started spiking, my rate shot up to 7.5%. That’s when I decided to save up the full amount to pay off the loan in one go.

I managed to save €20,000, but instead of paying it all at once, I decided to repay €18,000 and keep €2,000 aside as an emergency fund, just in case. Now, with only €2,000 left on the loan, my monthly payment has dropped to just €35 (down from €380).

The interest rate has come down a bit to 6.75%, but I’m debating whether to just pay off the remaining €2,000 or keep paying the €35 per month and ignore it, since it’s a small amount compared to my salary.

What do you all think? Should I get rid of the debt entirely because of the high interest, or is it better to hold onto the cash and not worry about the small monthly payment?