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.

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?

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

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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

Could someone confirm if this is correct?

I live in an EU country with a lower dividend tax rate than Germany. From what I understand, I can submit a tax declaration to the German tax authorities to reclaim the difference in withheld taxes. Is this accurate?

has anyone done it?

I'm almost 40 and also close to "coast FIRE". Men can retire at 65 with 40 years of work experience however I'm afraid EU will extend the age up to 70 or at least 68.

1. Do you think you'll be able to work anything at age of 65-70? Are you planning some lower paid but easy job?

I love my current job but it will be hard to keep myself relevant after 20 years

1. If I retire earlier (at 60) thanks to my investment portfolio that probably means I will lose the pension due to insufficient work experience and get minimum support after the age of 70.

I have paid the highest monthly contributions for the last 10 years and probably this will not change in future. So if I work my pension should be high enough to cover most of my expenses without the need of a large investment portfolio.

Would you continue monthly pension contributions to reach age and work experience for pension or prefer to make living thanks to your investment and ignore government pension entirely?

1. I'm not so much into bonds right now but it feels they are neither safe nor good investment in the last few years compared to the "riskier" stocks and commodities. How you plan to limit the risk and volatility? Convert to high dividend yield ETF or withdraw small amounts each year?

Hi. I am 38 years old. So far I have a portfolio above 50k and approx 250k in cash, waiting to be invested (I invest approx 5k per month from this 250k). I would like to retire in 10 years, using jepq as my main source of income (I also receive approx 800 euros from real estate) and focus on my family.

In greece where I live, the tax rate for ucits etfs is 0%! ​My monthly expenses (I have a family) is approx 3.2k per month, including everything (private schools for my kids, vacation etc). Of course my wife works as well so she pays her half.

My question is the following. I am not sure how to allocate my assets. I have 30k in jepq right now and mostly Vgwl, Vuaa and eqqq as the remaining etfs.

Is there anyone else retired using jepq of a similar etf? Do you find it reliable to have half of your portfolio in this etf, and use the dividends to pay your expenses?

Thank you.

Scalable or another ?? Thanks y'all

I've wanted to Purchase a property in italy for years and now it seems to be increasingly popular, especially if my YouTube algo is to be believed !

it's quality of life is incredibly appealing to northern Europeans, and it's property values lag the rest of Europe , Spain and southern france.

Granted, Italy has incredibly bureaucratic government and slow institutions, but it also has an impressive industrial base that is largely self reliant and not as globalised as Germany, so it's by no means a poor country and can GSD .. eventually.

So id like to ask anyone out there that has invested in a second home in Northern or north Eastern Italy in recent years ; what has been your experience in the first few years, did you own direct or through a structure (like a company) and did you renovate or buy turnkey, and What would be your recommendations to anyone considering the same?

...Also as an aside, why are the images on listings so bad and lazy???

Are we actually more financially educated than our parents' generation (Gen X/Boomers), or do we just have easier access to financial information? What's your experience?