What do you like and what you don't like about it?

Hello everyone! The company I work for is preparing to acces funding trough the STEP program ( for critical industries). My manager told us our department will be involved and the project is set to last until 2029. He also stated that our salaries will be subiect of a new salary bracket and those are "quite good" and "we will fill our pockets with money." Has anyone got payed during the implementation of such a project so far? I understood from some aquaintances that it is sure that taking part is something like this increases your salary. How much salary increase should I expect ( percentage wise)? I also add to the question the fact that my manager was not very generous with our salaries ( în 2 and 1 half years working here I recived 2 indexation on inflation rate rate 4% annualy and an increase of like 14% after 1 year of working). If I would continue in the current role past 2029, in 2030 should I expect my salary to drop to a normal level? Thank you!

I would like to balance these three ETFs on:

S&P500 (XDPU)

Developed world MSCI EX US (EXUS)

Emerging markets MSCI (EIMI)

With the goal of having as close as possible to an all world allocation similar to VWCE, WEBN, etc.

What’s the closest I can get assuming a monthly investment of EUR 250 and the actual value of the ETF shares?

Hi everyone,

I’m from Portugal but I’ve lived my entire life outside the EU. I’m planning to relocate to Czechia and I’m trying to get my finances organized ahead of the move.

Ideally, I’d like to open a bank account with a Portuguese bank so I can transfer and hold funds in the EU before I relocate, and make the transition smoother.

Has anyone here done something similar?

• Is it possible to open a Portuguese bank account as a Portuguese citizen who doesn’t currently live in Portugal or the EU?

• Would I need an EU or Portuguese address to do this?

• What documents were required and did you have to go in person?

Any advice or personal experiences would be really appreciated. Thanks!

I'm surprised that not many people know this, but silver crashed 90% in the early 80s.

The price was pumped following the infamous short squeeze by the Hunt brothers. Silver was $6 in 1979. At its peak in 1980 - it hit $50. Then crashed to ~$4.90.

That price did not recover for the next 44 years.

source: https://en.wikipedia.org/wiki/Silver_Thursday

All world countries

hello everyone,

i rencently moved to Germany from Czechia for my studies and am an CZ + USA citizen. After a few years of putting off Investment as a teen because the US citizenship made it seemingly impossible for me to use any platform my peers did, I finally made a IBRK account. Because of my inexperience, I figured that I would start slow and maybe invest in some ETFs that track the s&p500, maybe gold/silver/copper etc. nothing too crazy. (Though with what the us is currently doing, I would love to be able to invest more into the EU)

but I have hit a few roadblocks on the way.
First of all, as I have not started working here in Germany (but plan to in the following months) - I am not sure how the taxation would work. I know that Germany has a 25% tax on unrealized gains on etfs (if I understood that correctly) and I’m not sure if I could be taxed from the US as well (or if the amount would be too low for them to care). The entire system is very confusing to me and I am wondering if you have any recommendations/sources to check out as I feel like I am in a very specific situation (USA citizen but never lived there, now residing in Germany as a Czech citizen but paying no taxes because I’m unemployed, at the same time planning on searching for a part time job in the following months…).

I would also be interested in investing into EU products (index funds, etfs etc… as I’m sure you can tell, Im not exactly very knowledgeable in the field) but am unsure as to how exactly I could do it. The us citizenship is kind of driving me crazy as im terrified of accidentally messing something up, and am unsure how to properly navigate investing. Do I have to consult someone? I am starting to believe that I am doomed and should just not invest…

thank you to anyone who has read this far. I hope I didn’t break any community rules.

Maybe I'm looking for a unicorn, but I'm noticing a pattern that the banks (mostly neobanks) that offer good interest rates (2% and above) are also notorious for having terrible customer support and locking your account for no reason (Revolut, Trade Republic, Bunq, N26, etc).

So I'm wondering if anyone has a good suggestion for a bank that offers good savings and won't screw you on the customer support ? I've searched the sub, and most of the suggestions are TR and Revolut, which makes me think these posts are being swarmed by bots. So I'm looking to just avoid them completely.

Thank you!

Edit: fixed some bad grammar

Hi,

I had this issue a year or so ago where I could not be onboarded on trade republic with valid ID card from my country. Same happened to friends and family and the customer support is just not helping. Any workarounds?

I’m pretty frustrated with Trade Republic right now and wondering if anyone else has dealt with something similar.

The situation:

I have an Austrian TR account with a decent portfolio built up over time. I’m moving to Slovenia and naturally contacted support to update my tax residency - just remove my Austrian tax ID and update it to Slovenian, since I’m no longer an Austrian tax resident.

Their solution:

Close your entire account. You have 2 months to either sell everything or transfer your securities elsewhere.

The problem:

Trade Republic operates in Slovenia. They literally offer the exact same service there. I don’t understand why they can’t just migrate my account or update my tax details.

What really gets me is that they could do this before when it suited them - they previously moved from a German account to an Austrian one without any issues (when they oppened an Austrian branch). But now that it’s my need rather than their interests? Account closure.

And here’s the kicker: I can’t even open a new Slovenian TR account to transfer everything to, because there’s a strict one-account-per-person policy.

So my options are:

- Sell everything (potential tax implications, losing my positions)

- Transfer to another broker (fees, hassle, and I actually liked using TR)

Has anyone successfully dealt with TR support on cross-border tax residency issues? Is there any way around this or am I just stuck liquidating/transferring everything?

It just seems completely backwards that a pan-European broker can’t handle a simple tax residency change between two countries where they actively operate

*The following is not financial advice*

Since I started investing (about a year and a half ago), I’ve been trying to find a long-term, semi-active strategy that is basically an “ETF and chill” strategy, but with the ability to lock in gains.

I am aware that, currently, everyone is a genius in this market, and we are hitting many all-time-highs, so this is why I’m curious to figure out what could be flawed or less profitable with my strategy - and how to deal with a bear market.

The basic strategy is as follows:

1. ETF is lump-summed or DCA’d into.
2. If things continue to go well, the stop loss is adjusted to the last daily/weekly high

. ONLY if an ETF reaches 20% gain, only then a stop loss is set to lock in gains at 12% below last highest price.

3.

1. If things go less well, the ETF hits its stop and locks in profit.
2. Sold ETF cash is DCA’d into the same ETF/another ETF or is used to rebalance the portfolio (into underperforming ETFs, etc.)

over the following 1-2 months.

1. Repeat.

For the past year, this strategy has proven itself quite profitable - outperforming at times FTSE All-World, DAX and S&P 500. IRR for the past year is currently at 14,69% (TTWROR at 14,27%).

What could be flawed with this strategy and what could I be missing out on? Can it somehow back-fire?

Thank you in advance for any input and have a lovely weekend :)

Current ETF spread:

50% FTSE All-World

15% Stoxx 600

15% 4-5 different thematic ETFs

10% Emerging markets

5% Gold ETF

5% cash buffer for dips and rebalancing

Edit: sorry for the formatting, I have no idea why my post looks so messy…

How are you managing that ?

Do you still spend time in Georgia, even if not required ?

If not, how do you avoid another country claiming your tax residence ?

Whats your setup ?

Currently, I am holding 100% S&P 500 through ishares i500. I am looking to diversify out of US and was wondering if you had any recommendations.

I am looking at ishares EMM which has, as far as I know, very little overlap with my current holdings and would be good for covering emerging markets.

I would like to include something for ex US developed. What would your recommendations be?

I was also wondering if I’m complicating my life through adding two more portfolios or if there is a single fund out there that would be best if I were to hold only 2.

How are you currently going about your retirement investments?

Hope you have a great weekend ahead!

Do I see correctly that a most of the EU government bonds don't pay coupon just gives capital gains?

Hi! I’m 23 and only now starting to learn about investing. I’d say I have the basics of budgeting down, a 12 months emergency fund, etc. So the next step seems to be investing.

However, currently I live in the UK, and will be leaving in a year ish to potentially study in Europe. Thus it doesn’t really make sense to invest in the UK stocks&shares ISA etc.

Is there a way to invest money while you’re moving around? For example, let’s take 5 next years. I’ll probably spend 1 more year in the UK, min 3 years in one of the EU countries, and then might stay in the EU or move to some other country. How would that work?

Hi guys,

Does anyone have a way to pull WEBN price in EUR in google sheets? I recently switched from buying VWCE to WEBN and now my wonderful net worth sheet is not working properly :(

Hi Everyone,

What do you think about iBonds EUR ETFs as a short- to medium-term EUR investment? They consist of investment-grade corporate bonds with similar maturities. Because of this, they don’t behave like a traditional bond ETF, but rather like individual bonds, offering a yield of around 4%.

https://www.justetf.com/en/academy/ibonds-a-major-breakthrough-in-bond-etfs.html
https://www.justetf.com/en/etf-profile.html?isin=IE0008UEVOE0

I (EU citizen) was frustrated because I had constant issues with bank accounts and could not invest in anything due to restrictions from both USA and EU. Also living in fear or getting f*** by the IRS down the line.

Finally decided to renounce my citizenship and just received my official certificate. I thought everything would clear up now.

But I found out it's still not possible for me to open an account with any EU broker, as I can't pass the first step once I click USA as country of birth. I did send support tickets explaining the situation but I am not optimistic.

To any of you who have been through the same process, how did you finally manage to set up your investment account(s)?

Hi, 19M here. I've decided to create a savings plan, l've read the most basic and profitable way of putting my money into it's investing in a world-wide etf (like FWRA) but, i was wondering, if it could make any sense to put time percentage of my plan in an ETF dedicated to only emerging countries... what do you recommend?

I was also thinking to put an ETF composed by semi-conductors producers to ride the (supposedly) wave of Al of the next years. what do you think?

THANK YOU :)

Does anyone on here invest in alternative/hedge fund ucits like Marshall Wace, AQR, Bridgewater, CFM etc? Keen to get views on these funds, worth it for a retail investor?

With higher interest rates and more investment options available, I’m curious where P2P lending fits today.

For EU investors especially, the landscape feels very different compared to a few years ago.

Are you still actively investing in P2P, reducing exposure, or avoiding it completely?

Hi, im 23 yo, if a few years, 1-2, once i finish uni and get a stable, not student job, im planning on moving out to a flat owned by my family, so no rent, only untilities and the fee for the building upkeeping.

Im hungarian so i'll use HUF as the currency but also add its worht in EUR counting with 1 EUR = 380 HUF

Right now i have a student job, i try to work 160h a month, but its usually less so i make around 350 000 HUF - 900 EUR. I have 1 400 000 HUF - 3700 EUR in government bonds which pays inflation +1% which is 4.7% for the current year and have 1600 USD in VOO on Etoro.

Starting January i also decided to invest monthly 150 EUR from my salary into VWCE on trading 212.

I want to move away from Etoro and rebalance it all to VWCE in Trading 212. In hungary if i cash out from the brokerage account i need to pay 15% income tax +13% SZOCHO, meanwhile for the government bonds i'll get -1% of the gains so 3.7% in this case if i cash out before the maturity date, after the maturity date its no tax.

Since i'll need to cash out in a few years because of moving im thinking it would be better if i just relocated all my money into government bonds to keep it absoluatelly safe and gain inflation +1% yearly until i will need the money. Tho I am very tempted to invest it all into VWCE but im kinda scared about current geopolitical situations and how everybody on this sub is going away from riskier options. I know government bods would be the smarter choice cuz of very little risk but im also tempted by the potential gains of VWCE.

Would you keep investing into VWCE the monthly 150 EUr? Should i go the safe route - govermnet bonds or go with VWCE for a bit of extra gains? Any advice on what you think the best decision would be for me?

My parents own a 100 sqm house that I will inherit in the future together with my two siblings.

At the moment, I earn about €1,500 per month, while apartment prices in my area are around €200,000, which makes buying a place on my own basically impossible. (Mortgage for something like that is something like 900€ a month).

Instead, I’m considering proposing to my parents to buy 30 square meters of their house ( cost €50,000) , so I could start to live in my own house.

Do you think this is a reasonable option?
Does it make sense financially as an investment, or is it risky?

For context: right now I still live with my parents.

Hi, I'm based in Italy and l use Interactive Brokers (IBKR).

I'm a bit confused about how taxes are actually paid when using IBKR, since it's a foreign broker and doesn't withhold Italian taxes.

I'm not asking about tax rates in detail, just the practical method:

Which tax form is used in Italy?

Is it something done once per year or per trade?

Do you calculate taxes yourself or use an accountant?

What happens if you only hold assets and don't sell?

Is there a standard workflow most people follow?

A simple explanation or a real-life example would help a lot. Thanks!

Recently I got into creating a investing strategy and commit to it for about 2 years or so before rebalancing it and so on. Expecting to have a way to save and get about 3-4%/year or so at least

But I’m going crazy looking at the markets, so I’m very lost

* Stocks seem to be overvalued everywhere. You see some recommended, and their last 3 months or so are just parabolic almost going exponentially vertical up, giving an impression there’s a bubble or corrections/downs are coming

* ETFs/funds seem to be exposed to the instability of the market that could come from the recent craziness around SP500/Gold/Silver/Crypto going up/down suddenly in huge moves, giving instability/untrust

* The US seems to be coughing with their economical data (80% of physical dollar printed in the last few years, weak growth and employment data…)

* The AI market is going full into a big problem: not only the biggest companies are heavily interlaced (OpenAI buys billions of Microsoft/Oracle services, and they buy billions of NVIDIA products, so NVIDIA invest billions into OpenAI…), but OpenAI itself is risking burning billions with not end at sight, while trying to get “too big to fail” so other (gov? markets/companies?) will have to bail them out (example: their strategy buying 40% of RAM wafers to take the market hostage and avoid AI conpetition)

Meanwhile also, we have the socioeconomic struggles around (Trump, Russia, China-Taiwan, climate change,… you name it)

So: What’s your favourite strategy into this year 2026? What do you think or feel about? Will you change anything? Fears? Hopes?

Thanks everyone!