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30d06/10

Where to move money for a house purchase that has been delayed.

I've been saving for a down payment on a house but now it does not seem it will happen for at least another 3-4 years. I have all that money in TFLO (Treasury Floating Rate Bond ETF) but I know I'm loosing money because of inflation. I've look at TIP and STIP but I already got burned when the Feds increased interest rates. Also, I've looked at FDHY and it seems like a good choice but it does have some volatility and if I need the money and it drops, I'm screwed. Any type or category of investmen

Social◇ unclassifiedusa
30d06/10

Wife and I have around 180k invested. Scared of buying a house in Germany. Are we insane?

Hello EU personal finance! Me and wife are both mid thirties in Berlin, Germany, no kids. Jointly, we've invested about 180k into mostly ETFs (FTSE All world) and very little in crypto (like under 3%). I make around 6500 net/month, my wife makes 3000 net/month. We currently rent a place for 1900/month. Having saved up this amount, for us, it gives us a sense of security and peace of mind. We also treat it like an emergency fund, if some big expense comes up that we didn't plan for, we can ultima

Social◇ unclassifiedeurope · germany · usa
31d06/10

Money market ETFs

EDIT: I think I get it and thank you everyone for the info! Hello, does anyone have experience with the money market ETFs (overnight rate index) that exist? ​ Calculate the returns here as an example and, for example, with a 5-year investment horizon you get approximately the same as with fixed interest rates or government bonds. ​ If anyone has real experience with it or knows something more specific, I would be happy to get any answers :) ​ Thank you. submitted by /u/Pixelsaurier_r [link] [comments]

Social◇ unclassifiedgermany
31d06/10

Is it worth buying discounted employee shares?

Hello everyone, you could probably call me financially uneducated, so I'm asking for advice here. Until three years ago, I put my "excess" money into a world ETF. Then bought an old half-timbered house, completely emptied the depot and have been renovating this same house alone for three years and have just put all my money into it every month. Now I'm almost done with it and, like every year, my employer offers employee shares. I've had this for the last few years

Social◇ unclassifiedgermany · usa · europe
31d06/09⚠ war-conflict · 1/5

New basic security: How the state wants to access savings in the future

The new rules for basic security come into force on July 1st, accompanied by heated discussions about the amount, the blocking times, the sanctions - but one aspect has so far been out of focus: the protective assets. It's about the amount that the state gives you in ETFs and other savings before the basic security is paid. It will not only fall drastically. In the future, savings must also be used up immediately and before the first day of receiving citizen's benefit. And that, during St

Social◇ unclassifiedgermany · europe
31d06/09⚠ coups-regime · 1/5

Came across buy and hold 17% CAGR portfolio backtested since 1987

Came across buy and hold 17% CAGR portfolio backtested since 1987 For context, my portfolio is 100% VT and chill. I came across this interesting leveraged portfolio, backtested since 1987, with the largest drawdown was only -27.89%! https://testfol.io/?s=3wGHtKUjnI4 Mixture of 25+ Year Zero Coupon US Treasury Index ETF, managed futures, Gold, small cap value stocks, and SPY. All buy and hold, with yearly rebalancing. Someone explain why this is/isn't a good idea. submitted by /u/Frankietomatos [

Social◇ unclassifiedusa
31d06/09

Around £200k-£220k to invest - wanted to discuss ETFs I am looking at

Hi Everyone, Very late but I decided to join the game. I am currently doing all the research and want to be very careful so wanted to discuss ETFs and strategy with you as that sub has been very helpful so far. I have currently got around £40k in bonds paying 5% over the next 3 years. Can sell it if I see that ETFs are doing good. On top of that I have got something like £200k-£220k to invest in ETFs, was thinking eventually to keep around £20k out of it to try with individual stocks. I can't up

Social◇ unclassifiedusa
32d06/09

Calculation tracking difference

Hello, I'm looking at the total costs of ETFs and the TD plays a significant role there. Now I like to look at extra ETFs to see what the costs/performance are. Now I don't fully understand how extraETF calculates the tracking difference. The normal calculation is explained (TD=Development ETF - Development Index) And then their own calculation (TD=Development Index - Development ETF) According to their formality, a negative TD al

Social◇ unclassifiedgermany
32d06/09

Spreads when executing savings plans

I think many people here invest through a monthly savings plan. In the last few days there have been one or two informative posts about when and on which stock exchange the various brokers carry out their savings plans. Is there an overview somewhere of the prices and spreads at which the brokers execute? If not, would you be interested in crowdsourcing something like this? We'll definitely come across a pretty nice number of ETFs and Br here at home

Social◇ unclassifiedgermany · usa
32d06/09⚠ war-conflict · 1/5

RACK Vaneck New ETF Is the new future Growth like DRAM or was it just another overhype?

I’ve been thinking a lot about the future of technology and AI, and I’m trying to figure out where the biggest long-term investment opportunities might be. As AI, cloud computing, data centers, and advanced technologies continue to grow, I’m wondering whether the real winners will be the companies that own and operate the infrastructure, such as data centers and technology facilities, or the companies that supply the critical resources and components that make all of this possible. For example,

Social◇ unclassifiedrussia
32d06/08

I have Fomo on the SpaceX IPO. Please stop me.

In fact, I mean this more seriously than the title suggests. I've been away from crypto gaming and the like for some time now. Back then I invested a lot of money and only with luck came out with a red zero. I swore to myself that there would only be the All World ETF savings plan for me and nothing else. But now that feeling of missing something and not getting in on time is back again. Please give me good reasons not to. submitted by

Social◇ unclassifiedgermany
33d06/08

Moving abroad - tax-advantaged alternative to the Holy Grail

Hi everyone, by moving abroad I would have the opportunity to save for the Vanguard Total World Stock Index Fund ETF Shares, so far I've just been saving for the Holy Grail. A switch to the Total World Stock Index seems very attractive to me, especially because of the low TER (0.06) and because it is tax-optimized (no US withholding tax or tax can be reclaimed due to double taxation agreements between Switzerland and the USA). 1) Am I missing something here, so reason

Social◇ unclassifiedgermany · usa · europe
33d06/08

How non-US investors actually access US markets in 2026 - brokers, taxes, and what nobody tells you

Been doing this for a few years from outside the US. A lot of people ask the same questions so here's the honest breakdown: Which broker? eToro is the easiest entry point — available in most countries, simple interface, no minimum deposit. Good for getting started with US stocks and ETFs. For more advanced trading (options, leveraged ETFs like TQQQ, lower FX fees) Interactive Brokers is the gold standard. More paperwork to open but worth it long term. The tax thing everyone misses: File Form W-8

Social◇ unclassifiedeurope · usa
33d06/08

Is there actually an easy way to sell a “target amount after tax”?

Question is in the title. Let's say, hypothetically, I have a large ETF portfolio and currently need €50k of it. Every share sold is taxed, depending on the price at which I bought it. If I need an exact amount, I have to use an Excel spreadsheet that has all purchases and purchase prices in order to calculate the potential profit and tax for X shares. I can hardly be the first to need this and don't want to believe that this isn't a solved problem

Social◇ unclassifiedgermany · europe
33d06/07

Just throw around €10,000 into an ETF?

I only started investing last month and have created small savings plans every month. However, my parents once put around €6,000 into a savings account for me (with a phenomenal 0.1% interest at the moment!). Logically, I would now like to liquidate that. And another €6,000 in a normal checking account, saved through money for birthdays and Christmas, etc. I also saved around €6,000 myself. I would use a good portion as an emergency fund

Social◇ unclassifiedgermany
33d06/07

Best foreign domiciled ETF for S&P 500?

I'm not American and dont live in the US. However, my wife is American, (but not a US resident). I recently learned that upon my passing, all of my US domiciled equity holdings in VOO will be subject to US estate taxes before they are given to my wife! I'm annoyed I didnt know this already, but glad I found out before its too late! It seems I can bypass this liability by moving into non-US domiciled etfs, such as VUAA. I also learned that i can lower my dividend taxes from 30% to 15% in non-US d

Social◇ unclassifiedusa
33d06/07

Who pays the €9,600 depositary fee from Deka Fond?

[no, I didn't buy it] Hello everyone, it's about this fund: Deka MSCI World Climate Change ESG CTB UCITS ETF WKN: ETFL58 | ISIN: DE000ETFL581 I'm just reading in the sales prospectus about the at least €9,600 annually that has to be paid by someone to someone as a depositary fee. Who can enlighten me about the details? Is this the fee that the Sparkasse pays to Deka Bank to manage shares for its customers? That would be absurdly cheap compared to

Social◇ unclassifiedgermany · usa
33d06/07

Some honest assessment of my investing strategy and why "steady but surely" beats "get rich now" if you're not devoted to trading

I've recently been dealing with a lot of stress due to losses trading and not timing the AI boom properly, leaving me not only in the red but relatively much worse than if I had just bought an indexed ETF following the general market. This led to me doing some assessment of how much money I would have made had I followed the wisdom of the crowd and not try to DYI my investments. I've held most of my NW in cash, around ~$200k because since 2022 I've been waiting for "The Big Crash" and doing taxe

Social◇ unclassifiedusa
34d06/07⚠ war-conflict · 1/5

Im curious sbout investing in the airline opportunity long term

Ive recently started seriously looking into investing for wealth generation, and its really opened up something inside me sbout how much I enjoy learning about investing / stocks / bonds / ETFs / etc...im pretty conservative and doing all the standard and prudent things as I work towards building wealth for my families future. I was just curious to know how people look at the future of air travel and long term growth. Honestly, it just started out because im kinda a nerd about planes and flying

Social◇ unclassifiedsocial-signal
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