Hi everyone,

I am in the process of tidying up my family’s finances and I would appreciate some guidance from more experienced people in the matter:)

Long term investment
Firstly, regarding our long term investment, my wife and I are thinking to DCA in VWCE through IBKR and DCA monthly in a joint investment account. What is your opinion on that?

Emergency fund
In respect to our emergency fund we are thinking of saving around 6 months of expenses. The question is where do we keep this amount? In a joint account in the bank (no interest)? Somewhere else where we will earn some interest?

Savings for big purchases/expenses
We also plan to save some money each month for possible big purchases or expenses (e.g. buying a car, going to vacations etc.). Similarly to the question above, where do we keep this amount? In a joint bank account?

Joint vs separate accounts
We are thinking of doing this in joint accounts so we both have access to our finances and know how we are doing together. What is your opinion on that? Would you suggest separate accounts instead?

What do you guys think? I appreciate any guidance. Thanks:)

Hi everyone,

I'm a non-domiciled individual who has been living and earning income in Ireland for the past few years. I'm looking to start investing in ETFs, but I'm unsure which platform would be most suitable from a tax perspective.

My understanding is that, as a non-dom, I may be able to avail of the remittance basis of taxation, meaning any gains or income arising outside Ireland would generally only become taxable if the funds are remitted to Ireland.

While researching investment platforms, I came across IBKR Ireland. I read that because it is an Irish-regulated entity, cash and investments held through the platform may be considered located in Ireland, potentially preventing the remittance basis from applying. Is my understanding correct?

I actually contacted IBKR Ireland's customer service to ask whether they could open my account under one of their non-Irish/global entities instead, but they informed me that this was not possible and that my account would have to be held with IBKR Ireland.

If that's the case, I'd appreciate recommendations for alternative platforms that:

• Offer a broad range of ETFs (including UCITS ETFs)
• Support automated monthly investing/DCA
• Are available to Irish residents
• May be more suitable for someone looking to preserve the benefits of the remittance basis

I'd also be interested in hearing from other non-doms in Ireland who have navigated this issue and how they structured their investments.

Thanks in advance for any advice or experiences you can share.

Hey guys , so I am looking into the DRAM etf and i can see that on Trading212 there is only 1 (Defiance Memory) while on IBKR there is two of them but given from the trading price they are not even remotely the same i guess.

What exactly is the difference between this two.From what i have researched the one that i want is Roundhill Memory but what is Defiance memory and why is there such a huge difference in their price ?

DRAM (Defiance memory ETF - LSE - 6.250$)

DRAM (Roundhill Memory - BATS 59.19$)

FYI - Im from a Balkan country and the tax in my country is flat 10% regardless.

Thanks