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Reddit r/eupersonalfinance

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Reddit r/eupersonalfinance45d05/25

Now that the NL is about to tax unrealised gains, where in the EU is best to accumulate & invest for FIRE, besides Luxembourg and Switzerland?

I know the law is not official yet, but by the looks of it it's likely to be passed. Even Dublin/Ireland, which has high salaries, taxes unrealised gains every 6 years, and the housing crises basically erodes any meaningful gains you would make by moving here from Continental Europe. The Nordics have high salaries but a dead job market. What are the options left? I know many people who are in CH and LU but always comment on how depressing those places are. Some IT people make bank in Eastern Eur

Socialborderlineeurope · usa · uk
Reddit r/eupersonalfinance46d05/25

What car would you buy with 800 euros free per month?

As a 30 year old living in Central Europe after I pay morgage, food, misc I am left with 800 euros per month. I have some money in the bank for a rainy day and some in investment funds and I don't want to take from them. With the 800 per month I want to save a little but also afford a car. My use case is this: I want a car that will be driven on the motorway at 80mph/130kmph once or twice per month to my hometown costing 18 euros for fuel in each direction if its 5L/100km (45mpg) and very rarely

Socialeurope · usa
Reddit r/eupersonalfinance46d05/24

rate my diversification

hello! I’ve started investing ETFs beginning of this year. I am still learning but with the amount of available information I second guess myself a lot. so I wanted to hear from other people. this is not my only investment; I started a bit late (from my point of view) because wanted to have an emergency fund, be debt free etc. my current portfolio as below: V3EA - ESG developed EUR All cap - ACC ~40% EDMJ - MSCI Japan CTB Enhanced ESG - ACC ~38% EGLN - IShares Gold 22% as I just started these ar

Socialeurope · usa · japan
Reddit r/eupersonalfinance46d05/24

27M in Ireland – €5k invested in SPYY, pension maxed with Zurich… what should I do next?

Hi everyone, Looking for some advice/opinions on my current investing setup. I’m based in Ireland and currently have about €5k invested in SPYY (State Street MSCI All Country World UCITS ETF Acc). I’m investing for the long term and mainly looking for growth. Currently I’m allocating 515€ to my pension, €500 into the etf and 500€ in my savings monthly. I’ve also already maxed out my pension monthly contributions with Zurich, so I’m trying to figure out the best next step outside of pension inves

Socialoff-topiceurope
Reddit r/eupersonalfinance47d05/24

Next moves for 26M single from an unstable country, working in EU

Hello, I’m a 26 yo guy working in a country in the EU. I have saved since I started working in 2021 around 90,000 euros (100,000$ equivalent). I currently make around 4400 euros net a month and spend half of it, save the other half. I own a 10,000 euro used car, another car same worth back in my home country. Back home, due to political issues that arose a few years back, I had bank deposits inherited from the death of a parent worth around 1m usd that was frozen in the banking system and I cann

Socialeurope · usa
Reddit r/eupersonalfinance47d05/24

Spacex inclusion in IWDA/VWCE/WEBN?

Hi everyone, So we have been hearing about Nasdaq changing rules so that Spacex can be included in the Nasdaq 100 earlier (and with a larger weighing), which is not good for index investors trying to avoid exposure to it. Does anybody know if MSCI (IWDA), Vanguard (VWCE) and Amundi/ Solactive (WEBN) are doing the same thing or maintaining their rules? Just asking for the most common indexes used here. I personally have most in IWDA and now investing into WEBN and would like to understand that. I

Socialeurope · usa
Reddit r/eupersonalfinance47d05/24

WEBN & VWCE official performances vs indexes

WEBN is listed on stock exchange in the middle of 2024.(26.06.) so I would skip those first few months in 2024 and start with full 2025 comparision and YTD 2026 as of today(24.05.2026). Source: official sites of Vanguard and Amundi for VWCE and WEBN. Results: VWCE'25=22,56% INDEX'25=22,78% VWCE '26=6,59% INDEX YTD=9,19% In sampled timeframe comparision WEBN is performing better, and in the future we will see..maybe VWCE will do better. submitted by /u/Additional_Play_87 [link] [comments]

Socialborderlineeurope
Reddit r/eupersonalfinance47d05/24

What would you do in a "lost decade"?

Historically, there have been a few "lost decades" for stocks - periods of 10 to 20 years where stocks didn't grow at all. The most recent one was the dot-com bubble and GFC, when it took the stock market about 13 years to recover, and that's not even accounting for inflation. We're so used to the stock market giving us great returns year after year that I'm not sure how I'd react if it had 2-3 major crashes one after another and ended up with zero growth over, say, 15 years. It must be psycholo

Socialeurope
Reddit r/eupersonalfinance47d05/24

Finally, my portfolio. Roast it mercilessly. (30 y/o, 1.5M)

I’d like to submit for your critique a portfolio I’m considering for a very substantial investable net worth. Profile: 30 years old, Italian tax resident, current living expenses covered by salary, average Italian income, no major certain expenses in the near future, possible limited real estate investment in the future if I find something very attractive, long time horizon. Goal: real capital growth, gradual financial independence from work, possible future decumulation. Perceived risks: high U

Socialeurope · usa
Reddit r/eupersonalfinance47d05/23

Is it easy to tell if a broker will provide access to all main ETFs?

I'm in my quest to choose my first broker. My main goal is long term ETF. However, I'm still confused and not decided which ETFs to go for, EU vs world, and then all the different 4-letter codes I see mentioned here. Can I assume that any top broker (Trading213, XTB, Lightyear, IBKR, etc) will have access to all of these, or do I need to do a deep search before looking into the other factors? submitted by /u/Frigorr [link] [comments]

Socialborderlineeurope
Reddit r/eupersonalfinance47d05/23

What I learned running a small P2P allocation next to my index portfolio for 6 years

First post here, been lurking for a while. 49, EU resident, core portfolio is the standard boring stuff IWDA + AGGH 80/20, been doing it since 2014. Not changing that. What I want to talk about is the ~3% sleeve I keep outside the core for EUR monthly cash flow. Mintos since 2019, added Maclear about 14 months ago to see how a different model behaves. Figured someone here might find the comparison useful since P2P comes up occasionally and most takes are either "free money" or "ponzi", neither o

Socialborderlineeurope · usa · russia
Reddit r/eupersonalfinance48d05/23

Excluding big IPOs from passive portfolios

Hi 👋 I’m in a few all world etfs following FTSE and MSCI, anyone figured out a way to avoid exposure to spacex and other big tech IPOs? I think these are going to go into those stocks immediately at IPO and I think those stocks are totally overvalued Any tips welcome… only thing I can think of is going into value focused ETFs but I didn’t want to leave the tech sector altogether… submitted by /u/triolingo [link] [comments]

Socialeurope · usa · uk
Reddit r/eupersonalfinance48d05/23

Is there some way of investing in individual US stocks using an EU domiciled financial instrument?

Holding US stocks directly as an EU citizen/resident means paying 30% dividend tax + additional financial exposure to US estate tax. At the same time, ETFs are too broad and don't allow targeted investments. Example: I want to hold NVIDIA but not TSLA. Is there some way to do this using EU domiciled products? submitted by /u/ineverfinishcake [link] [comments]

Socialeurope
Reddit r/eupersonalfinance48d05/23

Shorting Stocks CFD, incur little or no overnight holding cost ?

Recently, I try demo accounts in many CFD Stock Broker in UK and Europe.. I found that some broker charge little or none for holding short stock cfd position overnight.. While in the real US stock exchange u need to pay interest from 5%-20% for holding short position.. How can CFD broker provide this kind of too-good-to-be-true trade ? Where they route the trade ? What exchange ? Who take the other trade ? Supposedly if a client is a good value investor, or hedge funds, he can become very profit

Socialeurope · uk
Reddit r/eupersonalfinance48d05/23

Should I diversify further with a small cap ETF?

The title says mostly all. I’m currently investing in an ETF that follows a MSCI world index, invested in a single ETF only and I’ve been investing for about a year and a half now (around 1k€ monthly). I’ve been reading a lot about small cap ETF’s, especially the newer ones from Avantis. What are your opinions, should I diversify further? I don’t have a large sum invested yet (under six figures). submitted by /u/Southern-Spring-9569 [link] [comments]

Socialborderlineeurope
Reddit r/eupersonalfinance48d05/23

¿Qué pasa después de que el QQQ rompe el rango de apertura?

Llevo un tiempo operando el Opening Range Breakout en QQQ y siempre me quedaba con la misma duda: ¿qué pasa exactamente después del breakout? La mayoría de la literatura se detiene justo en el momento de la ruptura, como si todo lo interesante terminara ahí. Así que decidí medirlo. Analicé datos intradiarios al minuto de QQQ de 2017 a 2024 y documenté la secuencia completa: el rango de apertura, el breakout, el retest, y el resultado. Algunas cosas confirmaron intuiciones que ya tenía operando;

Socialoff-topiceurope · usa
Reddit r/eupersonalfinance48d05/22

47M, how to invest and live off €500k cash made from high-risk derivatives' trading over the last 10 years?

As the title suggests. 47M, living in Germany, currently earning around €40k net and saving around half of it. Tired of corporate life, no dependents, no debt. I was day trading for the past 10 years and made around €500k in cash. I now want to rev down and "retire" from this, pull the trigger and FIRE. How would you invest this amount of cash, so that you preserve the principal and live off interest, risk and stress free? Was thinking about moving to Cyprus. Rational decision? How's life and th

Socialborderlineeurope · germany · usa
Reddit r/eupersonalfinance49d05/22

What do you think about these two AI infrastructure ETFs?

Hi there, I'm evaluating two thematic ETFs tied to the artificial intelligence boom and would love to hear your opinions and experiences. **VPN – Global X Data Center REITs & Digital Infrastructure ETF** Primarily invests in **data center REITs** — companies that physically own the buildings. The model is straightforward: they build and lease space on long-term contracts to hyperscalers, collecting stable rental income like a landlord. Top holdings include giants like Equinix and American Tower.

Socialborderlineeurope · usa · russia
Reddit r/eupersonalfinance49d05/22

Lump Sum €25000 Investment

Hello all, I’ve got around €25,000 to invest and at the moment I’m looking at a couple of options. One is VWRA on the London Stock Exchange, which seems like a solid all-world ETF choice. The other option is going heavier into semiconductors. I’ve mainly been looking at SMH and SOXX on the Nasdaq after doing some basic research and using a bit of AI to compare them. I’m also interested in adding an emerging markets ETF that isn’t too dependent on the US, mainly just for a bit more diversificatio

Socialeurope · usa · uk
Reddit r/eupersonalfinance49d05/22

Should I buy a MacBook Pro in Japan and how to handle customs when returning to Europe?

Hey everyone, I'm currently on holiday in Japan and seriously thinking about buying a MacBook Pro M5 Pro here. My 2019 MacBook Pro 13" has been overheating constantly and the RAM just can't keep up anymore, so it's time to move on. The math seems to make sense. As a tourist I get 10% off at the Apple Store tax-free, and from what I can tell Japan is one of the cheapest places in the world to buy one. If I declare it at customs on the way back and pay the full VAT I'd still save around €300 compa

Socialoff-topiceurope · japan
Reddit r/eupersonalfinance49d05/21

I built a free browser extension that adds AI company analysis to Trade Republic stock

Hey everyone, wanted to share a small browser extension I built for AI-powered research right inside Trade Republic. It's called Brief. The story: TR stock pages are kinda barebones (price, chart, done), and I'd always end up with five tabs open just to figure out what a company actually does. So I built this. One click on any stock page → side panel opens with what the company is, recent news (with sources you can click), live market data in EUR, sector context, and risks. Uses Google Gemini wi

Socialborderlineeurope · usa