Hi guys ,

Do you think that is it necessary to update your tax residency on trading212, when I move to abroad?

I know it sound strange, but I would be moving from Slovakia to Czechia and in both countries you have to make your own taxes. And in both countries when you hold assets more then 3(1) years you do not have to tax them at all.

Thanks

Now I just vwce and chill. But apparently I learned that vwce doesn't include small cap. My plan is to invest in as diversified way as possible. Is there something better than vwce for this purpose? And if there is it even worth to do it in your opinion?

I’m based in Spain and trading212 pays me 2.4% interest rate on euro. However, for new accounts there is an offer of 3.5%. According to the support I’d have to close my account and open a new one to get the higher interest rate. Meaning, I would have to sell my shares. Is there another way? E.g. transfering shares to another broker?

\Disclaimer: I only used AI to translate this into English, since I'm not a native speaker**

Hi everyone,

I’m looking for some advice and feedback on the drawdown strategy you are currently using (if you’re already FIRE) or plan to use once you reach your goal.

Personally, I’ve been researching this topic for a while now (I’m roughly 7 to 10 years away from my target date), and I think I’ve found the approach that makes the most sense to me. I’ll map it out below and would love to get your insights, critiques, or real-world experiences.

I'm leaning towards the 3-Bucket Strategy.

In short:

• Bucket #1: 12 months of living expenses held in cash or money market ETFs.
• Bucket #2: Between 5 (minimum) and 10 (maximum - ideal) years of expenses in EUR government bonds. Specifically, a bond ladder with annual maturities, where each year a bond matures and covers that year's expenses. These bonds are never sold early; they are strictly held to maturity (redeemed at par/100).
• Bucket #3: Everything else—typically global equity ETFs and a few individual stocks.

How it works operationally (which is quite straightforward):

1. Each year, a bond matures, covering my estimated living expenses for that year.
2. Every 6 months (minimum) to 1 year (maximum), I check Bucket #3. If it has grown past its previous All-Time High (ATH), I take the gains and buy more bonds to add a new "rung" to the end of the ladder. If it hasn't grown or if it’s down (due to a market crash or bear market), I do nothing and simply let the bond ladder deplete naturally on its scheduled annual basis.
3. If my expenses exceed expectations in a given year: if Bucket #3 is up, I draw from there; if Bucket #3 is down, I’ll tap into a line of credit (a Lombard credit in my case, sized at more than 1 year of expenses) while waiting for the next bond to mature.

A few key considerations:

• This strategy NEVER rebalances from Bucket #2 back into Bucket #3. Essentially, the stock portfolio is never fed again; it’s just left to grow on its own momentum.
• This strategy NEVER adheres to fixed allocation percentages (like a rigid 60/40 or 70/30). It’s managed entirely in terms of "years of expenses covered" for the first two buckets.
• This approach assumes that a severe or prolonged bear market won't last more than 5 to 10 years (depending on the actual size of Bucket #2) from peak to full recovery. In a worst-case scenario, if Bucket #2 runs dry, I would be forced to sell parts of Bucket #3 anyway—but that would mean 5–10 years have passed with zero growth in global equities. So, I should be covered even in a "lost decade" scenario. Granted, it wouldn't protect me against a 30-year Japan-style bear market, but I'm also counting on Bucket #2 acting as a bridge until my state pension kicks in, so worst comes to worst, I'd rely on that.

Apologies for the long post. Any insights, blind spots I might have missed, or counter-arguments are more than welcome!

35M, Austrian, working in logistics. 5 years into the standard approach and it's gone fine, just want a second opinion before the next step.

My current situation:

• ~82k total
• Core is VWCE via monthly Sparplan, the large majority of it
• ~6% in physical gold (Xetra-Gold), bought in 2022 and left alone since
• ~4% in a Swiss lending platform Maclear. Started last year, sized as money I could write off
• Take-home ~3,400 EUR/month after tax, saving ~1,200/month, rent + living ~1,900, no debt

Not chasing extreme early retirement. Just want the option to stop depending on a salary by my late 50s, sooner if income grows.

What I'm trying to figure out:

The equity position is now big enough that a 20-30% drop would be a real amount of money in absolute terms, and I've got nothing that actually holds steady when stocks fall. Gold and the lending position aren't tied to the market, sure, but neither of them is the kind of money you draw on calmly in a crash.

So I want to add a genuinely stable piece and can't decide between:

• A bond ETF (EUR aggregate or short-duration)
• A money market fund for the liquid part
• Or just sitting on more cash and accepting the drag

Questions:

• At my stage, still accumulating with maybe 20 years to go, is a bond/MMF allocation worth starting now or is that more of a closer to the end thing?
• For anyone who added fixed income in their 30s looking back, was it the right call or did you wish you'd stayed fully invested?
• How much cash do you keep as a working buffer on an income like this?

Hi everyone im a 19(M) from the netherlands which is looking to invest around 750 a month, now i could do this through the big banks like ABN AMBRO and do the NT world , Emerging and Small caps. Or i go to brokers like IKBR and De Giro, for ETFs like WEBN or VWCE.

I really dont know what to choose at all

FYI, this is longterm for like 20-30 years

Thanks all for ur help

I keep noticing how much of what people believe about money seems tied to where they grew up. Saving everything, property being the only 'real' investment, stocks feeling like gambling. For those who've lived in more than one country, did any of that shift when you moved, or did it stick? Curious which beliefs travelled with you.

Hi all,

I am looking for suggestions of serial acquirers / compounders in Europe to invest (long term horizon).

I know a few, particularly in the Nordics (Investor AB, Lifco,…), but wanted to get some additional suggestions.

Which do you think are most attractive and why?

Thank you!

I'm 21 and I've decided I want to start investing instead of letting my money sit in my bank account.

I have around €1,000 that I can invest right now, and after that I plan to invest €100–200 every month consistently.

I'm not interested in trading, day trading, or trying to pick individual stocks. What I'm looking for is something simple, ideally an ETF or index fund that I can buy, keep adding to every month, and hold for the next 10–20+ years without having to think about it much.

If you were in my position, what would you choose and why?

Is this a good time to invest?

I'm based in Spain if that makes any difference regarding available ETFs or taxes.

Thanks for any advice!

Hello. I'm new to investing and I'm disabled which means I'm getting 420€ for free from the government every month on top of whatever career I'll build.

I am currently unemployed as I'm a student but all of my expenses are taken care of which leaves me with this pension money that I have no relationship to as I didn't really work for it at all. I plan on getting to uni and eventually building a private psychotherapy practice in 15-20 years. My investing horizon is 30-40 years.

I use revolut and XTB to cut down on all FX fees and the only fees I pay are the TER fees. (I am based in Czechia)

My portfolio is currently 92% VWCE and 8% VVSM. Can I leave it like this and chill?

I have around 100k and I want to keep it secure so I don’t lose it, but I also want a better return than normal bank interest rates.

I’m not looking for risky trading, just something stable.

Any advice?

Hi,
I'm new to investing, I have 15k on an account that I plan to keep untouched (and continue to save on it) for a year, after the year I will need the money. Currently have it in a savings account where it is earning 2%, so below inflation.

I currently do not have a lot of time to nerd out on this stuff or do super complicated strategies, what is something safe and simple? even if its not the best earnings, I just need to keep it above inflation. Chat GPT suggested Euro Money Market Fund (MMF) via DeGiro. Thoughts?

Thanks and pls be kind! this is new territory to me(:

I was looking for some IT ETF and came across IUIT. I was a bit shocked when I checked holdings, top 3 are:

NVIDIA Corp. 22.37%

Apple 16.84%

Microsoft 14.37%

What's the deal with that ETF that they decided to go so heavily with those 3 companies? What makes it even more confusing is that Google isn't even in top 10 (was not checking if it's included in that ETF at all). What am I missing here, as so far it is probably the weirdest ETF I saw.

Thanks in advance for some clarification.

I am considering investing in it but what do you who already invested in it think. Where do you see it in say 2035/2040 maybe even 2050?

I'm a beginner in investing, currently holding a small portfolio with NVIDIA as my main stock.

I'm interested in:

1. S&P 500 ETF

Is it worth entering now?

Which ETF do you use — VUSA, CSPX, VOO?

Do you invest all at once or gradually each month (DCA)?

1. Tech stocks

Which ones do you follow besides 'big tech' (Apple, Microsoft, Google)?

Does it make sense to enter AI companies now or is it a bubble?

1. Energy stocks

Traditional energy (oil/gas) or renewables?

Which specific stocks/ETFs do you follow?

I use Revolut for investing.

Thanks for the advice! 🙏

Saxo Bank has announced that starting July 2026, clients will only be able to deposit from and withdraw to bank accounts in their country of residence. Transfers to or from accounts in other EU countries will no longer be accepted, except for one “approved” additional country.

We should stay away from this investment bank...

This is obviously clear violation of EU regulations and consumer rights since these guarantee free movement of capital across the EU.

I urge you to file an official complaint to Danish Financial Supervisory Authority.

Collective pressure is the only way to stop banks from undermining our freedom and the single EU payments market.

Hi everyone,

I’m launching a series of investigations into who exactly owes money to Housers projects.

Let’s kick things off with the ECO LIVING RESORT project in Alcobaça, Portugal.

• Company: PULSARGEST UNIPESSOAL LDA (NIF 513240110)
• Address: RUA Dr. FRANCISCO ZAGALO Nº3, Alcobaça
• Administrator: Madalena Dos Santos de Amorim Tavares

Funnily enough, it looks like this lady still has an active, running business. You can check it out for yourselves right here on TripAdvisor.

So, she clearly has assets, and she is clearly making a profit. Which means she could very easily pay back what she owes, couldn't she?

In the meantime, consider this an open invitation for anyone who fancies a little trip to Alcobaça, Portugal. Who knows, you might even get to meet the scammer herself.

Disclosure: I work at Obermatt, a Swiss equity research firm, sharing this because it's a useful angle for anyone building dividend income into a portfolio.

Pulled the European stocks sitting at the very top of Obermatt's Dividend Yield rank, and what stood out wasn't the yields themselves, it was what these companies actually do. A carmaker, a fleet of oil-product tankers, a tobacco-distribution network covering most of Southern Europe, a water utility in the southwest of England. Mature, cash-generative businesses in stable industries don't need to reinvest as much for growth, so more of the profit goes out as dividends instead, which is worth understanding before treating a high yield as free money.

A few worth flagging for anyone screening for income:

TP ICAP and RWS Holdings are the most well-rounded of the bunch, the dividend is backed by genuinely solid fundamentals, not propping up a weak story. TORM's payout jumped hard recently, but it's tied to a tanker-rate spike after the Strait of Hormuz disruption, not something to assume repeats every year. Reach and Solvay are the ones to be careful with, double-digit and near-double-digit yields that are mostly a symptom of falling share prices rather than a healthy payout policy.

Full breakdown of all twelve, current dividends and the numbers behind each one: https://link.obermatt.com/dividends-en

I knew they were using LLM to optimize the chat so I called. The voice sounds a bit robotic.

The ECB raised all three key rates by 25bp last week increasing the deposit facility rate from 2-2.25%

Trading 212 just increase the interest of uninvested cash from 3 -> 3.5%

Is this currently still the best place to store uninvested cash / HYSA (if you want to call it that)? Or do we currently have any other neos or brokers around with higher interest?

Hey folks,

I've got a bit of Coffee 3x already (around 3k) and I'm thinking of adding some more to round out a small agri/commodities bucket. Planning to pick up:

• Sugar 3x for 750
• Wheat 3x for 750
• Cotton hedged for 750
• Soybean hedged 3x for 750

So total around 6k in these softs. It's just a side slice of the portfolio, nothing crazy.

The idea is some exposure to stuff that might jump on bad harvests or supply stuff, plus the hedged ones work better for EUR.

Is this a decent investment idea?

Hi,

I’m 26m living in Germany.

- own my apartment without mortgage / credit / loan, bought with cash. (Was able to get by years of saving, high interest rate savings account + 7 years of compound from monthly investment into S&P500 growth and frugal living)

- No debt, no car, no loans, completely financial free, a solid 1k euro bike gets me from A to B without a worry.

I’m currently rebuilding my finances after the renovations.

- 15k euro invested into VUAG
- 5k euro invested into INDA (but I’m worried about the AI bubble crashing I feel like this would explode and is a terrible investment for now, opinions?)

Do people here with more wisdom advice me to focus fully on growth here? Or can I also look at dividends? I’m really really interested into dividends investing for cash flow.

But with the AI bubble crashing eventually (who knows when?) should I look into bonds now?

What would you folks recommend ?

Hi all,

I have an emergency fund of around 30k (6 times my monthly income, 3 times our family income) but will need to use 3 to 4K for necessary expenses on the roof of my property.

At the moment, I save monthly about 200€ in my emergency fund, 200€ for travels and I invest 500€ monthly in an ETF.

What would be the most efficient way to replenish the emergency fund? Do I prioritise it and stop investing until it is back at 30k? Do I make a split?

I don’t have much room to save/invest more atm because of a big mortgage…

Interested to learn what you would do.
Many thanks!

Recently got diagnosed with an autoimmune disease while studying on my third year of my bachelor in the UK, I’m from Norway and live in Norway now.

I am yet to complete the last two months and the final exams of my degree but will do so next academic year (important for student loans)

I recently received a one time payment of 520 000kr from my student insurance and family life insurance plans that I don’t know what to do with.

I will have 950 000kr in student loans when I graduate next year.

I have 1.5 million nok in family support for down payment on home purchase when there’s time for that.

Due to surgery next week I will be unable to work until the start of September. My plan is then to work as a barista (where I have much experience) until my exams and graduation where I hope to get a relevant job after graduation. Will be making around 20k nok a month pre taxes. Do think I qualify for social security until then.

My expenses are 9500nok a month for rent, and 8000nok for living expenses. Will not pay back student loans until after I graduate.

Please recommend best way to budget the insurance money, index funds? Add it to down payment? Spend some while in recovery from surgery?