So, what happens when a publicly traded company decides to go private at a buyout share price that is below my average buying price of the stock ( being a minority share holder)

1. Say for example, I bought 100 shares of one company @ 100 USD each, however now, it decides to go private through a share buyout @ 90 USD / share. Will I be forced out of my position at a realised loss? Also, what if the price / share climbs up to 120 / share at the time of privatisation? Would I get realised @ buyout price of 90 / share or trading price of 120/ share?

2. Now, just by the news release, the company currently trades @ 110 USD / share. Will it be better to sell all my holding @ a realised profit based on the euphoria of the proposal, or do I hold on to it and wait and watch whether the privatisation deal goes through or not, since I still believe that the company has a moat in the industry it is in and I trust it’s longer term success.

3. Considering point 2 above, would it make any sense to sell the shares now to lock in the profit and just in case the privatisation deal doesn’t happen for any reason, euphoria “might” fade and company price “could” trade @ a price below my existing average, then I could just buy back into the company story at a lower average price as it is currently trading @ higher multiples to earnings. Would this make any sense?

I need to come up with an investment plan for the next 13 years where hopefully i am gonna get on retirement. I am in a country with 0% tax for profits and dividends from UCITS ETFs / bonds e.t.c

Until yesterday i knew nothing about being able to go to Interactive Brokers, build my portfolio and follow it. Also i did not care to know that i have 0% tax for these in my country. Lastly i also found out that i can be relatively safe in case that IBKR goes kaboom cause i can transfer my assets to another broker.

Find below 3 proposals that i tried to build by reading some posts and info on the NET , with also the help of ChatGPT to assemble the tables.

Can anybody share his opinion on my assumptions above and also on my proposals below?

Proposals: https://i.postimg.cc/6QzKyxVt/image.png

The products that i sortlisted are: https://i.postimg.cc/50Nx329X/image.png

Good evening,

I tried in past buy bitcoin ETF on my current broker Interactive Brokers, and I was able to do that because of missing some documents, KID or something in my language so I didn't deal with it.

I am thinking about it again and I would like to ask if there is any issue only with my account or Interactive Broker really doesn't allow buy Bitcoin ETFs? What quality broker you can recommend me instead? Thank you.

Hi, I am 23 years old and want to start investing in ETFs . I am a dual citizen of The Netherlands and the United States. I was born in The Netherlands and have never lived in the U.S. My mother, who has also become a dual citizen, has an investment account in the U.S. but has not lived there since 1992. I have read online that taxation of investments is complicated for U.S. Citizens abroad and that there are many brokers that will not accept you if you are a U.S. citizen.

What are my options for investing in ETFs from the EU? Would it be possible to just create an account with a EU broker under the pretense of my EU citizenship? Would I have to create an investment account in the U.S. under the address of my grandparents?

I appreciate any thoughts!

I honestly do not understand why both their app and website feel like they're from 2011....The chart is so basic, it has very limited indicators, it has no live news feed... Their so-called "news layout" that is supposed to show you news related to your investments shows you news from like a week ago, the search function is horrendous, YOU ACTUALLY HAVE TO TYPE THE COMPANY BY NAME TO FIND THE STOCK because FLATEX Search function cannot find the stock with the ticker symbol as in you have to type ALIBABA instead of just BABA. Not all stocks/ETFs are listed in Flatex. I remember Bright Minds Biosciences Inc. was clearly having a short squeeze. I wanted to buy in when it was up like 80% I searched the company in Flatex the stock didn't even have a chart and was only sold through a single venue with delayed data that charges +25 eurs lol. Flatex also has sync problems and sometimes it shows the wrong info and how much you actually have invested/How much you have in your account. I withdrew more money than I had by mistake. Instead of a popup telling you "you are trying to withdraw more than you have" the app allows you to withdraw more than you have and the difference is turned into credit which you will have to pay interest on. So, if you don't pay attention you may actually have to pay interest without even knowing. Compared to IBKR which actually feels like a trading platform, not a basic Excel spreadsheet with colors, and on top of that FLATEX charges so much compared to other brokers +5 euros per trade. I mean by charging high fees like that you ought at least develop a decent platform. It just feels like they are ripping off boomers who want to invest without the headache of reporting their taxes.

Hello folks! Recently I got my Spanish citizenship (yay) and started investing my money here. After doing some research, I decided to go with:

• 70% in low risk assets using revolut at 3.16% per year
• 30% in ETFs:
  • 50% VUSA
  • 30% VWCE
  • 20% EQQQ

I am new to international market, but I think that this is a good approach, considering that I am investing for the long term (20+ years).

I am not aware of another fixed fund that could as good as revolut. I am also using revolut for everything, including the ETFs

Is this portfolio a good way to go? Or am I missing something?

Hi, apologies in advance for the noob question. Also it is about passive investing.

TLDR:

If I need to invest in a specific country which of these would be better?
- Invest in funds directly through brokers in the target country after converting to target currency (OR)
- Investing in euro based funds / etfs which are available in local brokers like Nordnet.

(Ofc assuming I have access to banking and brokers in the target country)

A bit of context:

I (30) moved to Finland from India few years ago. I already have some MF investments in India back when I was working and earning there. Now I started passive investing through Nordnet.

My plan is to keep the India based funds to be my 'emerging market' part and buying other world / USA index funds for diversification.

I'm wondering should my future 'emerging market' investments be through the existing Indian brokers (in INR) or I should find funds/etfs in Nordnet that lets me invest in EUR since I earn in EUR?

I can think of two disadvantages in directly investing in a target country

* Currency depreciation might harm my investments
* Diversification - directly investing will only invest in one market whereas an eur based fund will cover multiple ones.

But are there any advantages too?

Hello everyone. I recently moved to Germany on a job seeker visa from India but what I really want to do is start a small business of buying cheap apartments that needs some repairs and sell it a profit. I have 100k in total. Please suggest which countries would be a best bet for such a small investment capital. My ideas were Lodz/Warsaw in Poland, Bucharest in Romania, or Albania. Any suggestion/advice is highly appreciated. Thanks in advance!

A few months ago when TR introduced the new IBAN, this topic was being discussed here. That your cash would be held with Blackrock above a certain threshold, and therefore not be covered by the 100k guarantee.

I’ve seen my amount held at Deutsche Bank reduce by 40% the more I’ve increased my deposit at TR, to take advantage of the interest payout. Now it’s about 2:1 held with Blackrock vs Deutsche Bank.

Im starting to feel uneasy about this dynamic shifting of funds outside the protection of the guarantee to scheme.

Has anyone else seen similar decreases in what is being held at banks? Has anyone decided to reduce what they hold at TR because of this?

Hi everybody! Am I the only one pretty annoyed because TR (that I really appreciate in general) has not listed yet the 2 avantis etf AVWS and AVWC that are already tradable pretty everywhere.

The fact that bother me more is that is more than 1 week that I am waiting for a mail reply, I hope if there will be (hopefully not) any kind of problems in the future they will be quicker to reply.

Cheers

I recently graduated uni from the UK and moved to mainland Europe. Currently 4 months into graduate job search. It has been more challenging than expected, I may have to start with an internship or lower paid roles at first.

My current issue is that I have £56,000 in student loans in the UK at an interest rate of 7.3%. My original total was £64,000. I have £15,000 hanging around in my UK savings account and I also have CHF30,000 liquid hanging around in my Swiss bank. That's my entire savings.

I have zero idea what to do with the money but I just know that I don't want to just leave it there doing nothing for much longer. I don't know whether I should use it to help pay off the loan because the interest is so high, or I should give it sometime to see what happens. Also how do I go about starting to invest. I'm interested in index funds and ETFs but what platforms are best for those?

Hello everyone,

Finally I decided that I want to invest in Gold and chose EUWAX Gold II, but then I got a message on IBKR that I need a KID to be able to purchase it...

I thought that everything that is listed on justetf.com are available for all of us European traders, but then I get this KID request...

Am I doing something wrong? Or this EUWAX Gold II is somehow special?

Maybe more experienced traders could suggest a different Gold investment? I would be beyond thankful

So as many people on this sub are aware, there is this thing called W8BEN which non-US investors have to sign if they have an account at an American brokerage or purchase American investment vehicles or stocks. The sole purpose of this form is to identify the country of legal residence of the investor. I am planning to open an account at Swissquote and maybe Saxo Bank. The former is headquartered in Switzerland and the latter in Denmark. I'll be purchasing only EU domiciled ETFs and stocks. However, I myself live in a country which is in Europe but not in the EU. I'm just curious. Is there an EU analogue of the W8BEN form that a non-EU investor has to sign in such a case

Currently I get paid in Euros in my N26 account. I do a transfer every month or so of a few thousand via Wise into my Swiss bank account (~14 EUR fees for transferring 3000 EUR, so I lose 0.4% to fees, plus of course the exchange rate is not preferable atm).

I have two questions:

1. Are there any cheaper services available? Maybe ones that offer a discount for scheduled transfers or anything?

2. Should I be concerned about having an N26 account while living in Switzerland? (I'm an American citizen fwiw). I lived in Germany and opened my account while I was there, but haven't resided there in a few years and don't plan on moving back. I've just seen some horror stories on the N26 subreddit where peoples' accounts got closed without any opportunity to appeal.

Thanks!

Hello,

i am looking for banks in europe that will accept people residing outside the EU. I am a german citizen, residing in Thailand. Brokerage should be available, don't care to much if fees are not super competitive.

Looking for a proper bank and would deposit/invest a bit larger amounts, so rather no fintech companies.

Any ideas are much appreciated!

Hi, i’ve been working for a couple of years in France. In this period i with the help and contribution of my employer i accumulated funds in a private pension account.

What happens to the private pension account if one leaves the country for good? With no intention of returning. I am not a french citizen and nowhere close to retirement age.

Can the account be liquidated? In what conditions?

I tried to figure it out with the private pension company but they are kind of ghosting me.

Let me know if you encountered a similar situation. Thanks

Whats this about, securities to be held with scalable directly?

As well they mention owner or co-ownership of client securities in the new client documentation??

Hi all, I want to share my current net worth and asset allocation along with personal circumstances and get some advice on what to do next.

Personal situation: 35M, married with a kid on the way. Both me and wife are working in Europe. Plan to come back to India within 2 years. Long term (after 8-10 years) we may decide to relocate back to Europe. I'm currently in a well paying job, but I hate it, its stressful and feel like Im just doing it for the money now. I dont want to FIRE yet, but would like to drastically change my field of work and get into a job that I can enjoy. If I do switch to a new field, I will have to start entry level and with a big pay cut (~50%). But with a kid on the way, I'm not sure if I should risk quitting the current job. my wife plans to continue to work as well.

Current portfolio: Total Net Worth (me+wife) = USD 781K. Breakdown:

- Equity 46% (364K) with a mix of ETFs (VWCE and S&P 500), blue chip stocks (mostly tech), and RSUs

- Debt 14.5% (110k) mostly some government bonds and fixed deposits in India (they are on my parents name that get 8.5% return and no tax deduction)

- Liquid 36% (286K) includes emergency cash and money parked in money-market funds and savings accounts in Europe (3.2% return). This additional money is to be used for downpayment of real-estate investment and buying gold in near future (within next 6 months)

- Misc 5% (25K) invested in some tax saving instruments in Europe

- No gold or real-estate holdings yet but plan to have around 15% allocation in real-estate in India. <5% allocation in Gold. This will come from the 36% pile of liquid cash that Im sitting on.

Current expenses: USD 3.7K per month or USD 45K per year, biggest expense being rent

Q1 - Do i have enough to not worry about a paycut and switch fields for mental peace of mind?

Q2 - Any advice on the current portfolio allocation and if I should be doing something differently?

Q3 - Is investing in land in India a good idea for diversifying the portfolio?

Hey everyone,

I’d love to get your thoughts on two ETFs I’m currently looking at. I’m invested in VWCE (IE00BK5BQT80) with an effective cost of around 0.24% (0.22% expense ratio + 0.02% transaction costs). Recently, I saw that State Street has lowered costs for their SPYY (IE00B44Z5B48) to 0.12%.

Since I’m based in a country with no capital gains tax, I could easily liquidate and transfer everything to the cheaper fund without any tax implications.

Given the cost difference, do you think it’s worth switching to SPYY, or is sticking with VWCE a better option for my long-term goals in terms of diversification and performance?

Would love to hear your thoughts on this! Appreciate any advice!

Hello,
I'm looking for some advice regarding my investments. Currently, I invest exclusively in the FTSE all world (VWCE.DE) through XTB. I’ve invested in other assets before, but VWCE now constitutes about 80% of my portfolio.

I’m wondering if there are better options available. I’m open to taking on more risk—actually, I would even prefer it. I’m considering reallocating my portfolio to a 70:30 split between the FTSE all world and other ETFs, but I’d love to hear opinions on this approach.

I’m not sure if it’s relevant, but I live in Poland and am 20 years old.

I am looking for a personal finance & budgeting app. I am looking for the following features:

• Web UI - Not just Mobile App
• Auto Bank Sync - Major Banks & Brokers (EU)
• Attachments - Associated to Transactions (PDFs / Images)
• Multi-Currency - EUR & USD Needed
• 2FA Support - Needed for Financial Data

Any recommendations? This has been my research so far:

[Imgur](https://imgur.com/c9rQ3uO)

The one I like most, so far, are Lunch Money & Toshl. (Thanks for the recommendations in comments!)

I am looking for commercial tools with a track record. Don't suggest open-source / own hosted tools. Don't suggest tools that nobody uses.

What do you think about crypto ETPs that follow the market cap like stock indices?

Later on, if there were to be a market correction, I would like to invest in an index that rebalances itself, without having problems with cold wallets.

So I found ETPs like HASH, 21XH that on paper seem safe, certainly not very liquid (however if they were to work like ETFs it shouldn't be a problem). What are the differences between ETFs and ETPs from a security point of view?

Hi,

I am currently living in Ireland and looking to buy an apartment here. However I am originally from another country where the housing prices are way less compared to Ireland.

I am not set yet on living in Ireland forever and I always think about returning home in the long run.

So far I've saved up a significant amount towards a deposit.

With it I can do two things:

• Lower the total mortgage amount that I take from the start, resulting in lower monthly payments

• Take the max mortgage amount on the property in Ireland and treat it effectively as a combined mortgage to buy a place in Ireland and in my home country. With the remaining cash from the deposit I saved up I could buy an apartment back home that I could rent out and it would give me back something around 25-30% of the mortgage payment of the combined mortgage.

I am inclined to choose the second option as it makes financial sense, but not sure if it's even better to still take the max mortgage and invest the rest in stock for the long term. Or still choose option 1 and save more and then make a decision?

I already have 1/3 of my net worth invested in the stock market(ETFs and some individual stocks), the other 2/3rds being cash as I have zero properties currently and I need to sort out my housing situation.

Hi, i have question about investing in ETF through bank, because my bank is offering 63 ETF options but i heard that investing through bank is not a good option, are there hidden fees that bank is taking from my investment? I have here some examples of ETF they offer Thank you very much for answer and explanation

ETF they offer: IE00B5BMR087 IE00BFZXGZ54 IE00BJ5JNY98 IE00B3ZW0K18 IE00B4L5Y983

Edit: I looked into it more closely and there are some interesting ones they offer for example: There is iShares S&P 500 with TER: 0,07% p.a.

I’m particularly interested in options that are tax-efficient for Belgian residents. For example, with Trade Republic, it seems you have to declare and pay withholding tax on the interest earned from savings yourself, which significantly reduces the net return. Are there any platforms that handle this automatically or provide better after-tax returns? All suggestions are welcome!

I'm wondering what is the best way to report portfolio returns year by year to correctly see how much return a year has brought me compared to the previous year and therefore how much my portfolio has grown.

Assuming the following situation

My doubt is whether a), b) or c) is better:

a) (120/90)-1 = The portfolio gave me a 33% return in 2023

b) (120-100)/90 = The portfolio gave me a 22.2% return in 2023

c) (30-20)/90 = The portfolio gave me a 11.1% return in 2023

Maybe i am just confused but anyway I ask you which one you think is better.

In addition, DAC 8 mandates the exchange of information regarding advance tax rulings for wealthy individuals, specifically for taxpayers with an annual aggregate transaction volume of more than EUR 1.5 million.

https://www.bankinghub.eu/innovation-digital/carf-dac-8-reporting-crypto-asset-service-providers

2 scenarios :

1/ I spot buy 1M€ of crypto once in the calendar year, the balance of my account at the end of the year is 1M€, I'm NOT a "wealthy individual"

2/ I'm a degen with the crazy huge capital of 10k€ and do several leveraged trades per week, total amount at the end of the calendar year is around 5M€, therefore, I'm considered as a "wealthy individual" even if the balance at the end of the year is 10k€.

Is that correct ?

I'm guilty of getting emotionally attached to 20+ year old cars and spending money on restoring them (even if they don't retain resale value and aren't a future classic by any means).

Bodywork shop quoted me 300 EUR for repairing dents & scratches to prevent rust + a complimentary polish. That's pretty fair since it's about 10% of my monthly income.

Mechanically the thing runs like a Swiss watch and only has 150k km on the clock...

But every raise in income makes me want something newer, faster and shinier. I keep convincing myself I won't be able to enjoy a fast car when I'm older.

How do I fight lifestyle inflation urges?

Hi Guys

Anyone got any recommendations of ETFs that exclude USA but focus on the rest of the World?

Any response appreciated

Just realised Revolut has been using my spare change for last few months to buy points. I must have enrolled without realising. Anyway I now have 19k points that I don’t need. Any idea if I can convert to vouchers / cash?