SO and I are getting older and considering semi-retirement, or reduce our work commitments to spend more time with family.

My family enjoys taking nice breaks and based on our holidays expenses over the past couple of years I’m considering buying/leasing a motorhome to (a) reduce costs and (b) increase travel frequency.

I’ve narrowed down my search to 3 models, with Dethleffs Globetrotter XLI being on top of the list. I could buy one second hand in good nick for around €120k-€150k.

Short-term leasing a motorhome that large for occasional travel can cost upwards to €200 per day - hence defeating the purpose of it because that’s as much as we spend on hotel accommodation. So I’m considering buying or long-term leasing.

If I buy one I might buy it as a business so that I can rent it out privately whenever we are not using it, just to help cover costs. Or I could lease it and avoid coughing up a massive amount of money upfront while keeping the money invested on ETF/stocks.

Depreciation is expected. And if I go down the cash purchase route I’m expecting to loose 20%-30% after 3-5 years of ownership. Lower end models may depreciate more.

What options are there, when it comes to buying/leasing motorhomes in or around Germany, Sweden, Czechia?

We’re having a kid soon and I’m wondering if there is an account in Europe I can take advantage of to save up for the kid for when he’ll be 18.

I have a bit of money in a fixed savings account which is about to mature in the next week or so. My bank is offering me a pretty pathetic renewal rate of 3.12% (down from 5.1% this year just gone). I've looked around and Trading212 are offering a cash isa with an interest rate of 5.17% . Does anyone have any experience with it? I'm hesitant to shift my money to an app that might just disappear or something. TIA for any advice.

I'm an immigrant living in germany, usually I keep 8 months of my expenses as emergency fund, so I would like to know where funds can be parked so that it yields a higher return than savings account and if needed should be withdrawable in two - seven days.

For all of you looking to invest in the short term, BlackRock recently launched a new EUR MMF that tracks the €STR (EUR-short term rate).

Unlike XEON and CSH2 it uses physical replication which eliminates counterparty risk. It also has the same TER as XEON and CSH2 (0.10%) and it's current yield should be around 3.12% p.a.

For more info, check out these links:

iShares EUR Cash UCITS ETF | YCSH

iShares EUR Cash UCITS ETF EUR (Acc) | YCSH | IE000JJPY166

BlackRock unveils actively managed euro cash ETF

I'd like to know if there is any reason, based on your experience, to promote an investment strategy via your personal bank vs. using a broker account such as t212, ibrk, etc.. In my opinion the pro for using a bank account is more psychological factor, you feel like your money are safer under the bank but that disappear as long as you get used to the broker platform, learn more about the reputation and protection... On the cons higher fees than a broker account. Is there anything more in your opinion to consider a bank? Maybe one more in favor of using a bank could be for buying specific bonds in the bank resident country vs. getting ETF generic bonds on broker accounts or really specific investment products like pointing on local estates... I'm curious to listen to your opinions

I need some advice, I worked as autonomous person from Mexico for a Spanish company. I worked for 2 months (August and September) and since then I have not recived the payment. I was traying to get the money through an accounting company from Mexico but I was having lot of trouble since supposedly the money was not going out from my boss account. First I thought it was that the problem was the accounting company so I contacted a more experienced (and expensive one) But the person kept saying that the money was getting back to their bank account.

I asked for the MT130 but she say that her bank was not providing it, it sounds very weird to me.. but I made some research and Sabadell (her bank) seems that do not have a very good client service.

I recently moved to an eu country and I really need that money. I stoped working for her "temporary" because supposedly there were not much work.

I just got a favor from a friend that is from eu to receive that money on a EU bank account but im worried that my boss is just playing with me. Any advices?

I bought a flat in 2018 on a mortgage and am considering selling after 10 years (2028) to have some cash to invest.

The mortgage has +/- 100k left on it to pay off and the market value of the flat is currently +/- 300k so I would have around 150-200k cash to invest once I sell.

I am thinking of using 50k for a down payment for a new property valued around 250-300k and then 100k to invest in stocks, bonds, metals etc. I can then invest an additional €300-500 monthly from my salary.

Alternatively, I would keep the flat as an investment long term with a current rental yield of about 8% (pays off mortgage and a bit extra which I put aside to cover maintenance). In this scenario I would have only about €300-500 to invest monthly from my salary until mortgage is paid off fully in around 20 years.

Would appreciate any advice.

34M, Germany

Hey everybody,

I've spent the last days figuring what to do with the cash that I have. It's my emergency fund and I have short-term USD and EUR expenses, so I needed to do research on both currencies.

This is my research, in case it helps anybody now or in the future. Please consider that I am trading on IBKR so you should always double check your research based on the minimums to trade of your platform and its fees.

TL;DR on my picks at the bottom.

To start, I downloaded all non-US mutual funds from IBKR and:

• Deleted any fund that wasn't denominated in USD and EUR (I have expenses in both currencies, always keep the same currency as your largest expenses)

• Deleted any fund that had an expense ratio over 0,17%. Why this number? Because if you trade XEON or IB01, the best EUR and USD ETFs (UCITs) according to many people and reflected in their fund rates, on IBKR which charges 0,05%, then you're seeing an additional 0,1% in fees if you kept it for a whole year. Keep it for less and it's even worse.

• For reference, IBKR charges $5 or €5 per mutual fund trade. So for any trade over 10K it's better to do a mutual fund than one of those UCITs

• Not sure if it's for this same reason or not, but all mutual funds require a minimum initial investment of 10K so that works :)

• I deleted all funds with a minimum over 10K but I've got cash but I'm not that rich

• I segregated EUR and USD funds, and for each currency, ordered from highest YTD% to lowest, and marked the top 50% percentile

• I took these top 50% percentile funds and ordered from lowest TER to highest TER

• I checked FT for some extra info on the size of some funds.

For EUR funds, the list ended up being this:

• BLACKROCK ICS EURO LIQUIDITY PREMIER T0' (EUR) AC C
• BLACKROCK ICS EURO ULTRA SHORT BOND "PREMIER" (EUR) ACC
• BLACKROCK ICS EUR ENVIR AWARE "PREMIER" (EUR) ACC
• BLACKROCK ICS EUR LIQ ENVIR AWARE "PREMIER" (EUR) ACC
• BLACKROCK ICS EURO GOVERNMENT LIQUIDITY 'PREMIER T0' (EUR) ACC
• BLACKROCK ICS EURO GOVERNMENT LIQUIDITY "PREMIER" (EUR) ACC
• BLACKROCK ICS EURO LIQUIDITY "PREMIER" ACC
• OSTRUM SRI CASH A1P1 "I" (EUR) ACC
• AMUNDI EURO LIQUIDITY SHORT TERM SRI "S" (EUR) ACC

So yeah, you get it, Blackrock fund. They all have 0,1% TER. They all look the same. But when you check fund sizes, there's a clear winner: BLACKROCK ICS EURO LIQUIDITY PREMIER T0' (EUR) AC C, ISIN IE00B3L10570 CUSIP 00B3L1057

This thing has a 60bn fund size, more than triple than the second option.

Checked holdings, read objective, feels very money market and safe, no entry or exit load/fee, selected.

Now for USD:

My list looked like this:

• AMUNDI MONEY MARKET SHORT TERM USD "OV" (USD) ACC
• BLACKROCK ICS US DOLLAR LIQUIDITY "PREMIER" (USD) ACC
• LO FUNDS SHORT-TERM MONEY MARKET (USD) "S" (USD) ACC CAP
• BLACKROCK ICS US DOLLAR ULTRA SHORT BOND "PRE" (USD) ACC
• BLACKROCK ICS US TREASURY "PREMIER" (USD) ACC

In this case the two finalists for me were:

• the one with the lowest TER, the AMUNDI MONEY MARKET SHORT TERM USD "OV" (USD) ACC ISIN LU0619623019 with a TER of 0,03% and fund size 4 billion

• the one with the largest fund size, you guessed it, Blackrock's BLACKROCK ICS US DOLLAR LIQUIDITY "PREMIER" (USD) ACC with a TER of 0,1% and fund size 66 billions

At this point you can't be wrong with either one. There's a clear favorite by investors in terms of fund size, but hey, in a MM, I decided to take an extra 0,07% of return

TL;DR:

If you're on IBKR,

If you trade less than USD 10k or EUR 10K, go for IB01 and XEON respectively. IB01 is probably best to trade on the LSE and XEON on XETRA (Germany).

If you trade more than 10K,

for USD:

trade the AMUNDI MONEY MARKET SHORT TERM USD "OV" (USD) ACC ISIN LU0619623019 (for a TER of 0,03%) or the BLACKROCK ICS US DOLLAR LIQUIDITY "PREMIER" (USD) ACC ISIN IE00B4KZ8V93 (for the biggest size fund by a toooon of margin, but a slightly higher TER of 0,1%)

for EUR: trade the BLACKROCK ICS EURO LIQUIDITY PREMIER T0' (EUR) AC C ISIN IE00B3L10570 for a TER of 0,1% and a fund size of 60bn.

i've always heard of the words "you should invest your money at early age" i always had that in mind,and i actually know nothing about investing money in crypto or stocks (even because if i try to search anything about it,the only things that appear are just things about andrew tate and similiar)

i know probably this isnt the best place to ask this,but i dont really wanna end up at 19/18 with zero money for university or college,i would appreciate any help or tip

Hi,

I'm portuguese and the portuguese IRS taxes 28% on capital gains on the stock market, from what I´ve read Switzerland doesn't charge anything, so what banks for that purpose do you recommend?

I want to have a little exposure to BTC, like 5% of my portfolio. Which is the best exchange to invest small amounts once per month?

What are the other options except exchanges?

I am a student (23M), and using Revolut as the main hub for managing my finances. It is so useful and easy to use!!! I love it but recently I have seen different groups that had problems with it.

And I am kind of scared because I have 3000$ in savings for 3.25% and 3000€ for 2.68%.

I am using ING to receive my salary and to pay the bills like my rent, health insurance, Radio Tax... Then my investments are all in IBKR. I am also a EU citizen.

I am not sure what to do but I really love this bank, and in the same time I am scared of my finances and as a student is also risky since my parents are not helping me at all.

What do you think I should do?

Hi everyone,

I recently sold a little over $100K worth of stocks in my Fidelity account (these are from US company RSUs), and I’m planning to transfer the funds to my local bank for investing.

I’m considering my options and have a couple of questions: 1. Would it be more beneficial to invest in USD rather than converting the funds to Euro for investments? 2. Is it possible to buy stocks in USD using European stock brokers like Degiro?

I’d appreciate any insights or personal experiences you could share. Thanks in advance!

Is Revolut Robo investment portfolio “Aggressive Growth” safe? Any personal experience with it? And what percentage of your savings is allocated?

Cheers

I'm an EU citizen and currently work through my own LLC in my home country, pay my taxes here, I'm even registered to pay VAT.

Can you tell me about what countries make it easy to get a residence permit with such a setup? In the future I would of course create an LLC in the target country and move operations to it, but at the time of moving I wouldn't have any employment in the target country only have the LLC back home.

Would I need to create an LLC in the target country upon arrival to get a residence permit easier?

Hi guys,

Do you unplug all plugs when leaving your Apartment? I'm curious I've always unplugged them because of fear of fire. But do I really need to do it?

Thank you!

I'm a 27-year-old lithuanian guy and recently came into some money. I need a brokerage for recurring investments into ETFs and some stocks. Could someone recommend a brokerage that's right for me?

Currently, I'm using Interactive Brokers. While the fees are reasonable for large sums, for smaller, recurring investments like €100 monthly, the fees are around €7 for standard ETFs. I've also been trading through my bank, which works well for Lithuanian markets, but the costs for trading stocks outside Lithuania are too high.

Any recommendations for brokerages with better fees and tax considerations would be much appreciated.

Hi All,

let's say I want to invest all my savings into some ETF. Starting just now. Zero investments into stocks/ETF before (however, on paper Nasdaq 100 is my favorite for greatest return %, but I can live with SP500/VWCE too).
I'm afraid of huge correction/crash because of all this uncertainty/current top prices, so I'm struggling to choose my strategy:

1. Stay all in cash (in bank savings account with 3-4%) until market crash happens and then invest (afraid of missing opportunity if bullrun will continue for significant time (>= 6 months).

2. All-in (because of higher total gains) into some ETF today, and :

   1. optimistic scenario expect that via upcoming few months(?) before crash I still would get good portfolio boost, and crash won't be so painful (shorter recover) later.
   2. pessimistic scenario - crash happens next day i'm invested and I'm waiting many years to recover.

3. Cost-average enter during a year(?) (or two ?), which minimizes possible gains if bull run still continues, but in crash scenario I'm also averaging my losses.

What could you advice me? Thanks a lot in advance!

Hi everyone!

I'm not good in financial area, but I started investing few months ago. I don't understand many terms (even if I read explanations) but I try to analyse everything what I do and wanna do my investing properly. Due to many sources EQQQ, VUSA, IWDA, VWRL are good things to invest in. I started with 5000 euro and wanna add +- 700 every month. I thought to do about 25% for each.

I'm 21 and live in the Netherlands. I work and get about 1200 euro each month. I wanna travel and buy a house, like in 10 years. I don't have any debts and also prefer safe investment.

People who are long in the investing or just good in this area, could you comment my choice please? I'll be very thankful!

Hi,

I'm wondering what's the "normal" for savings/net worth in late 20s, early 30s in Europe. Considering living on your own (paying rent), no help from family, just saving from work.

I can say that I'm 28 with around 45k overall, wondering if I should be doing more or having a better investing strategy.

Thanks for sharing!

1. In which HYSA do you keep your emergency fund? I'm currently using Revolut, but I might split it between a local bank (it does have a lower interest rate, though - 3.19% vs 2.75%). Mostly concerned about the insurance coverage.

2. Where do you keep your remaining non-stock investment? I'm currently looking at XEON / CSH2 or EXVM for "bond" exposure / short-term investments. These seem to be the VWCE / EU "bond" equivalents if you're not using bonds of your country or fixed term deposits.

Looking for a cookie-cutter approach.

I have Scalable Capital and you can't buy any and all NYSE stock. I'm looking to buy some UMAC stock. What is a broker that has more variety? Is there anyone in which you can buy any NYSE stock? Any website where I can easily check which brokers carry the stock in a given location?

Thanks in advance!

Hi all,

I am planning to buy a new (used) car in 1.5-2 years, and during that time I'll be saving for it. Let's say I have 25% of its price saved alread. Cost of the car is ~15k.

During that period, my take home amount of money after expenses will be split to investing in a global ETF (using IBKR), and saving for the car.

My question is, where to keep the car's budget until I'm ready?

Banks deposits in my country are shit, I don't trust revolut enough, and I don't qualify for interest on cash in IBKR.

I am after a safe option that allows me free (or at least cheap) transactions since I'd buy it monthly or bimonthly, and have enough liquidity. I've read probably everything related to MMFs (including mmf-like XEON and etc) on the sub, but still unsure what to do and if it's the right move for the occasion.

Would love to hear your suggestions, recommendations or further reads. Thanks!

Hello,

I currently own a Trade Republic account and honestly while I never had any issues with them, I was looking to change as my portfolio grows bigger over time in 10/20/30 years.

I have an empty IBKR account, the interface is a bit old but to be honest I can deal with that. From what I read I would pay around 2-5 euros of fees per month since I invest monthly into the same two ETFs.

With Trade Republic it is free, I heard it's the same with T212.

I heard IBKR is the best and the most serious, T212 is not bad either but I didn't read any feedback from people with large portfolios on Trade Republic.

If you guys have any feedback for me i'll greatly appreciate it, thanks!

Hey.

TLDR: Thinking of getting a DeFi loan to buy a house, I'd like someone to double check my logic.

From my experience reading a few threads here and there over the years, this sub isn't always the most pro-crypto, which I understand. Nevertheless, I'd like some help if people can put that aside and just analyze my situation objectively. It's also worth noting that I've been investing for over a decade, and most of my net worth is in ETFs, with all the standard recommendations that typically go in this sub. I'm also very familiar with crypto and I know the risks and I'm comfortable with them.

I'm about to buy a house with my partner, she can get a loan that will cover around half its value. However, I cannot get a loan as I'm a foreigner and with my own business, and no bank is willing to cover it - I've tried. Thus, I have to spend my own money.

I have a substantial amount of money invested. Most of it in ETFs, and some in crypto. But I'd really like to not have to sell these assets (I'd have to sell a substantial amount as obviously a house is quite expensive). I know that some people would just recommend to sell it and buy the house anyway, and I know that's a valid approach since you have another asset anyhow and a huge reduction in expenses (rent). Nevertheless, I'd still like to avoid selling assets.

The best scenario for me would be to get a collateral-backed loan with my ETFs. That would be perfect and solve the issue in the best way possible. But once again, every bank that I've talked with rejected this. And from talking with a few people while this is possible in theory, it seems mostly reserved for rich people who do it in the millions.

Given that's not an option either, and given the recent market activity in crypto, I've been considering getting a DeFi loan instead. Something I've done in the past just for overall investing, but of course, given the amounts, this would be a different scenario.

This would be similar in spirit to the ETF loans, but with crypto assets instead. The beauty of it is that it's of course permissionless, so I don't run into the problem of banks being picky and flat out refusing to give me a loan.

In my case, let's make the following example:

• I lend 1 BTC
• I borrow 0.5 BTC back.
• I swap that 0.5 BTC for stables, which I off-ramp to fiat, and use it to buy the house

The risk of liquidation is close to zero in this scenario because I'm borrowing the same asset that I'm lending. So even if the market dips, it doesn't affect me. Then I can just pay the loan back whenever I want.

An important consideration is the outcomes when the asset's price changes and how that affects the loan. So let's consider 2 examples:

Scenario 1: BTC Price Increases by 50%

• New BTC Price: $150,000 per BTC (an increase of 50%).
• New Collateral Value: $150,000 (1 BTC * $150,000 per BTC):
• New Debt Value: $75,000 (0.5 BTC * $150,000 per BTC): The amount of BTC I owe hasn't changed, but the fiat value of this debt has increased due to the rise in BTC's price.
• Loan Repayment: I need 0.5 BTC to repay the debt. If the price is now $150,000 per BTC, it will cost me $75,000 to buy back this amount of BTC, even though it was originally $50,000.
• Net Effect: Despite the increased debt above, this is offset by the fact that my original collateral (1 BTC) also increased in value. And because the borrowed amount is smaller than the collateral (50%), I actually end up profiting (Loss of $25,000 from increased debt, profit of $50,000 from the original collateral.

Scenario 2: BTC Price Decreases by 50%

• New BTC Price: $50,000 per BTC (a decrease of 50%).
• New Collateral Value: $50,000 (1 BTC * $50,000 per BTC):
• New Debt Value: $25,000 (0.5 BTC * $50,000 per BTC): The amount of BTC I owe hasn't changed, but the fiat value of this debt has decreased due to the fall in BTC's price.
• Loan Repayment: I need 0.5 BTC to repay the debt. If the price is now $50,000 per BTC, it will cost me $25,000 to buy back this amount of BTC, which was initially valued at $50,000.
• Net Effect: Although my collateral's value has halved, the reduction in the debt's value means I need less collateral to clear the debt. This is also somewhat of a win because I now I loaned $50,000 which I only have to pay back $25,000. It's not profit in a pure sense because the collateral also decreased in price, but that's not something I particularly care about since it's a long-term hold (in the same way that I don't care about price fluctuations of my ETFs)

Lastly, there are a couple of additional factors to consider. First, the cost/fees of borrowing. But this expense is relatively minor, and I'm comfortable with it. It's a reasonable fee for the flexibility that DeFi loans offer. Lastly and more importantly, smart contract risk. While there's a real risk that these contracts could be hacked, such incidents are rather rare. The top lending protocols manage billions and have proven resilient despite top targets. To further reduce this risk, I plan to diversify the loan across the top3-4 protocols. It's still a risk, but to me it seems acceptable.

The reason for this thread is that I'd like for someone to double check my reasoning and if there is something I'm missing. Obviously this is quite a big decision and a large amount of money, so I don't want to mess it up. Any insight is appreciated it.

Now that some of the premium/subscription web sites are having a Black Friday sale, which subscription-based web site would you recommend and why?

Motley Fool

Yahoo! Finance

We Bull

Trading View

The Algo

Unusual Whales.

Seeking Alpha

etc.

I suppose budget-wise I would be looking at two levels:

Up to 100/y (I did that with one of the above-mentioned web sites last year)

100-250 or 300 /y

I don't need live to the millisecond timings, so I don't need a USD 1000/m Bloomberg terminal or anything :-)

Thanks in advance for comments / recommendations.

Yesterday I noticed the annual rate on trade republic is better than the savings account in Revolut, so I transferred my cash there. The app says interest is accrued daily but the "accrued this month" section is 0 and the "average balance" in the interest tab is only a few cents that were in the account after I had invested last time, before I transferred my savings. Am I missing something? Do I have to enable anything else?

I've been searching for Option Chains on many big UCITS ETFs but can't seem to find any that trade.

Is there a law/regulation against them or there just isn't enough interest in Europe?