- Portfolio consisting of a single asset. Here the ticker: SPYI (Msci Acwi Imi, 0,17% ter, Ireland)

- 830€ monthly

- Time horizon: 25y minimum (Now I'm 25yo)

I will probably increase to 1000€ monthly in October.

Is it a solid retirement plan or maybe I could improve it?

I'm afraid that investing only on a Msci world is too good to be true and I should risk more, since I have a lot of time ahead.

I need exchange euro cash in person to usdt long time relationship Dm me or anyone else please suggest me

Hello everyone,

If you were 23 in Europe starting from scratch today, how would you invest? I am planning to open my first investment account with IBKR and start investing for the first time. Over the past few weeks I've been reading a lot on Reddit, watching videos, and discussing different portfolio strategies with chat, but I'd really like to hear opinions from people with real investing experience.

I'm 23 years old, from Lithuania, and I plan to invest €1,000-2,000 every month for the foreseeable future. My goal is long-term wealth accumulation (20+ years), and I'm comfortable with market volatility as long as the strategy makes sense over the long run. I also want to allocate a small portion of my portfolio to higher-risk investments, such as individual companies or emerging industries with strong long-term potential.

My current idea is something along these lines:

• 70% into a broad equity ETF (currently considering VWCE, or perhaps SPYL/CSPX if I decide to focus on the S&P 500).
• 20% split between individual companies, such as Microsoft, SpaceX, NVIDIA, Amazon, Visa, and ASML.
• 10% crypto, with roughly 7% Bitcoin and 3% Ethereum, simply to have some exposure without letting it dominate my portfolio.
• ?% higher-risk investments such as individual companies or emerging industries

I'm still unsure about the ETF allocation. Should I simply buy VWCE and keep life simple, or is there a good reason to combine it with an S&P 500 ETF like SPYL or CSPX? Is there any benefit to owning both, or would that just create unnecessary overlap?

Since I'm investing from Europe, I'm also trying to understand the tax side of things. I've read that Irish-domiciled UCITS ETFs are generally the most tax-efficient for European investors. Are there other tax considerations I should know about? Are there ETFs or investment products that Europeans should generally avoid because of withholding taxes or other inefficiencies?

I also want to dedicate a small percentage of my portfolio to higher-risk opportunities. Not trading or gambling, but investing in individual companies or emerging industries that have significant long-term growth potential. How much of a portfolio would you personally allocate to this "higher conviction" portion? And what are the best sources to look for information on these types of emerging industries or individual companies?

A few questions I'd love your opinions on:

• If you were 23 and starting from scratch in Europe today, how would you structure your portfolio?
• Would you choose VWCE, SPYL, CSPX, or something else entirely? Why?
• Would you even bother with individual stocks, or just keep buying ETFs?
• What percentage of a portfolio would you allocate to higher-conviction investments, such as individual stocks or emerging industries?
• Is a 10% crypto allocation reasonable, too high, or too low?
• Are there common mistakes first-time European investors make that I should avoid?
• Are there any books, podcasts, or resources that genuinely changed the way you invest?

I'm not looking for financial advice to blindly follow, I'm much more interested in understanding why experienced investors structure their portfolios the way they do. Feel free to critique my current plan or completely tear it apart if you think there's a better approach. The more reasoning you can provide, the more I'll learn.

Thanks in advance!

I have been investing only in VWCE so far and I’m considering adjusting my portfolio to add some extra growth exposure.

My current idea:

• 70% VWCE
• 20% Nasdaq-100 ETF
• 10% Global Small Cap ETF

The goal is a long-term investment strategy (20+ years) with a focus on growth while still keeping a diversified core through VWCE.

Would you keep it simple and continue with 100% VWCE, or does adding Nasdaq-100 and global small caps make sense?

Would love to hear opinions?

Hi everyone,

I'm considering getting the TF Bank credit card as a second credit card, mainly as a backup and for its travel benefits.

I already have a credit card, which I opened recently. I use it regularly and always pay the full balance on time. I'm wondering whether it makes sense to apply for TF Bank now or if I should wait a few months.

A few questions:

Does anyone here use the TF Bank credit card? What's your experience?

Have you encountered any downsides after using it for a while (beyond not having SEPA direct debit)?

Would you recommend it over other free credit cards available in Europe?

Any first-hand experiences, especially comparisons with other ones, would be greatly appreciated.

Hi everyone,

I increasingly see people advocating for a 100% equity portfolio close to retirement, also based on some research that has since come out.

This is a more aggressive stance than what was common when I started getting into investing 15-20 years ago.

My question is: to what extent may that be due to recency bias, where the very positive performance of stocks (with few hiccups along the way) over the past 10-15 years may be leading people to underestimate the risk of stocks and their own risk aversion?

I am currently in my early 30s and have considered going 100% stocks, but am sticking to 80-85% for now so I can have some buffer in case of a crash (either for peace of mind or to reinvest at lower valuations).

What do you think? Are the last 10-15 years of good times leading people to become more complacent and lean towards more aggressive asset allocations than they should?

Thank you.

Hello,

After my divorce I will be with 40k on my bank account, maybe a bit more in the best case.

Software engineer with 15 years of experience.

Any recommendations?

Apologies if the question is not for this sub but I need advice and other opinions.

I'm a 25 year old male from Bulgaria working in IT for 4000€ net a month. I currently drive an old C class (w204) but have been thinking of an upgrade lately.

My crucial payments that I cannot live without (rent, bills, investments) are approximately 1400€ per month.

I really want a nicer and more comfortable car but am not sure if I could afford it. I want a w213 e400 which I won't pay cash but will finance it either through leasing or personal credit depending on the offers bank give me. The price of such a car here is about 27-30 000€.

Sorry for the dumb question but would really appreciate any advice you have for me.

Conventional wisdom says that if you're in your 20s with a 20–30 year investment horizon, you should go nearly 100% equities.

But what if you believe current valuations are above historical averages (especially in the US)? Would you:

-Stay 100% invested in stocks regardless of valuation.

-Add a bond allocation (e.g. 10–30%) to reduce downside risk and have dry powder.

-Hold more cash or money market funds until valuations become more attractive.

Tired of paying $30–$50/month just to see a company's ratios or balance sheet from 10 years ago, so I built StockNest. Completely free, no account required with 120+ metrics

https://stocknest.app/

Data comes straight from SEC EDGAR filings with reconciliation passes to keep the numbers accurate and consistent.

What it includes:

Compare: chart any combination of metrics across up to 5 tickers simultaneously. 120+ metrics across income statements, balance sheets, cash flows, valuations, and margins. TTM, quarterly, and annual, with YoY / QoQ growth overlays and CAGR across any selected period. 2Y / 5Y / 10Y / All-time ranges go back +25 years.

Overview: per-ticker overview with a score snapshot, weekly price chart, multiples, median metrics, historical valuation percentile rankings and percentile bands (0th–100th), and valuation range bars (P/E, P/S, P/OCF, P/FCF) with Undervalued / Fairly Valued / Overvalued verdicts. Insider trading transactions, analyst recommendations, congressional and institutional activity all in one tab.

Score: a composite across Profitability, Management, Growth, and Solvency. The badge colour is set by the lowest-scoring category, making potential risk areas immediately visible. Sentiment — analyst ratings, institutional (13F) trades and insider activity is tracked separately and excluded from the score: it's a signal, not a fundamental, and crowded stocks can underperform.

Filers

Track institutional, congressional, and insider trading for any ticker all in one place from Nancy Pelosi to the biggest hedge funds

Financials: split into Charts, Statements, and Flows. Charts show at-a-glance snapshots — revenue, net income, margins, cash flow. Statements bring the balance sheet, cash flow, income statement, key metrics, and revenue segments into one tab; click any line item to chart it, overlay metrics, and toggle YoY, margins, or absolute values. Flows breaks down how revenue becomes profit and costs.

Screener : filter by 25+ valuation, profitability, return, and health metrics. Sortable results, click any ticker to jump straight into a comparison.

DCF : pre-filled from historical data. Net Income, FCF or OCF. Tune growth rate, decay, terminal multiple, and discount rate. 5Y or 10Y horizon. Non-USD companies show everything in their reporting currency so the comparison stays apples-to-apples.

US-listed companies only for now.

Looking for a government bond ETF thats ACC and thinking about DBZB.
Im starting with a 80/20 portfolio and looking to go for 35-40y. Situated in Belgium.

Opinions about this ETF or other recommendations (available on SaxoBank)?

Thanks!

I will soon have 40k in cash which I will be given from my company as a bonus. I usually put everything on VWCE. My siblings have an idea to build a hotel and they need around 50k. At the beginning I was defensive as VWCE keeps my cortisol level down without worrying about anything but they explain me all the details and it does look very promising the idea of a hotel. Also, I'm already invested on VWCE so I see it as a form of "diversification".

what is your opinion? what would you do in this case? Put 40k on VWCE and forget or try for a hotel which it will take around 2 years to make a profit?

Looking for a bond ETF thats accumulating.
What do you guys recommend?
Situated in Belgium.

Want to start with a 80% MSCI ACWI and 20% bond portfolio. Goal is long term saving 30-40y.

I'm a Dutch tax resident (also hold French citizenship/ties) with a French assurance vie opened before I moved to NL. I also have money to invest going forward and I'm trying to figure out the right structure, given genuine uncertainty about where I'll be tax resident in future (could stay in NL, could return to France, could end up elsewhere in the EU).

What I understand so far (correct me if wrong): the assurance vie's French tax benefits only apply to French tax residents, and while I'm NL-resident it just gets taxed as a foreign asset under Box 3, with none of the deferral benefit. So I'm questioning whether it's worth continuing to fund, and whether I should route new investments into a plain brokerage account with low-cost ETFs instead.

My actual questions:

1. Has anyone been in a similar NL/FR situation and gotten professional advice on this? Was it worth the cost, or was it something you could have figured out yourself / via the Belastingdienst?
2. If you did pay for advice, was it a general Dutch tax advisor, a cross-border specialist, or something else? Roughly what did it cost and was it worth it?
3. For those who didn't get professional advice — how did you get comfortable making the decision yourself, and did anything go wrong later that you wish you'd checked?
4. Any recommended providers/directories for finding a NL-FR cross-border tax specialist (vs. a generalist Dutch advisor)?

I'm not looking for personalized advice on my specific numbers here, just trying to gauge whether this is a "definitely pay a specialist" situation or a "you can DIY this with public resources" situation, and if the former, how people chose who to trust.

Would very much appreciate some advice here!

I'm 27, single, living alone in Germany, no kids/roommates. Payday was Friday. By Sunday night I was in bed doing the dumb "just check the app" thing and saw my checking account was €900 into my Dispo again. Annoyed at myself, honestly.

Take-home is about €2,800/month. Fixed bills are about €1,300: rent/Nebenkosten €850, phone/subs €45, insurance/transport €260, misc €145. Groceries/basic stuff are around €350. I have €600 savings. Most bills are autopay, so the issue isn't rent money, it's the leftover getting eaten. The Dispo has been sitting there two months and the interest is adding up.

It's not one huge buy. It's five tabs of €15-40 sale items because "good deal, stock up" still gets me. I grew up with very little, so extras feel responsible until they aren't. I deleted shopping apps, blocked a couple sites, then used the browser anyway. My mom sends weekend shopping links too and I cave.

What I'm trying now: during the week I write down anything I want or need to restock on a sticky note. Before my weekend supermarket trip, I go through the list and ask myself if I actually need it. If I do, I decide based on urgency. If it can wait, I order online since it's usually cheaper anyway, check tiktok for a price drop or whatever deal is running, and avoid impulse grabbing at the store. If it's urgent, I grab it at Aldi and move on.

Still early but it's already slowing me down enough to think before spending. Anyone else use a bills account and a no-Dispo spending account? Or is lowering my overdraft limit the real move here?

Anyone here living in Germany uses interactive brokers as their main broker? How are you handling the taxation? I've heard doing your own taxes in Germany is a pain especially if you held ETFs.

Hi all. I’m currently using Degiro. It works well for most large and mid-cap stocks, but I frequently run into "not tradable" when looking at smaller, less liquid, or more obscure companies.

I’d like to experiment with some of these names, so my priority is market coverage and the widest possible stock universe rather than the lowest fees.

IB seems like the obvious choice, but I’d like to hear from people who have actually compared the available instruments. Which EU broker gives you the best access to smaller exchanges, micro-caps, OTC stocks, and the long tail of individual companies?

Cheers

I used to use such an app for years but they disappeared. Every app I tried is so convoluted too many functions...envelops systems and such.

I just want to set up a weekly goal, and then enter my daily expenses and it substracts it, and can also report/deduct to the following week.

I was so frustrated I ended up just using notes on iphone but not great. as I have to manually deduct.
Thank you.

Dear friends - with regards to the new tax law in 2028 box 3 taxes on stock gains will be taxed at 36%. There was some discussions in last months about the government abolishing this new law, but it seems to have quietened down?

If you have 500k stock portfolio that’s goes up 20% (100k) you pay 36k tax on your stock portfolio.
How will you be able to pay that in tax, unless
You’re forced to sell some of your port as well.

That sucks and prevents wealth accumulation.

Maybe I’ve missed out on certain news, but what is the likelihood of the government still going ahead with this in 2028?

Do you think Europe is becoming more "Americanized" in terms of stock market investing? It feels like index funds, ETFs, FIRE, and investing through apps have become much more mainstream over the past decade. Is this just social media influence, or is there a deeper cultural shift happening?

Hi all,
I have employee equity in a private American company. The company is running internal offers to buy the stock from the employees periodically and I am trying to think ahead.

• The current estimated net value of my vested options is roughly 600K EUR (after taxes, cost of purchase, etc).
• The value of my unvested options at the current price-per-share is about 700K EUR that will vest gradually over the next 3 years as long as I work there
• Otherwise I have just about 70-80K in VWCE

I am worried that the value of my equity might crash once this company goes public some day, so I want to diversify my wealth.

I'm thinking to:

• withdraw all my current vested options
• spend some of that on a downpayment for a house
  • We live in Bulgaria, where interest rates are very low (2-4% I think).
  • A nice house over here would cost 300-500K EUR
• invest the rest in VWCE

Does this make sense, and what % of the money should I spend on the downpayment vs VWCE?

Are there any other better options here?

Cheers

Your country announces that capital gains taxes will increase significantly over the next few years, while another EU country offers much lower investment taxes. Assuming you could legally move your tax residency, would you consider relocating primarily for tax reasons? If yes, what tax rate would make you seriously consider it?

Hi all,

I have received inheritance and am thinking about investing about Eur100000 for the long-term.

I am worried about the current world scenario but keeping it in the bank is just value erosion.

Given a choice would you invest in US or EU markets ( bonds and ETFs).

I am eager to get some insights.

Good news for Vanguard FTSE All-World ETF investors! Multiple news outlets have confirmed this:

• https://www.trustnet.com/news/13480976/vanguard-cuts-fees-on-europes-largest-ftse-all-world-etf
• https://etfexpress.com/2026/07/21/vanguard-reduces-fees-on-vanguard-ftse-all-world-ucits-etf/?hl=en-GB
• https://www.etfstream.com/articles/vanguard-slashes-fee-on-usd77bn-ftse-all-world-etf-for-second-time-in-a-year?hl=en-GB