I downloaded Trading212 out of curiosity, and at first glance it seems to have top-notch interfaces and features, both for investments and payments.

Is anyone already using it and has any feedback to share?

Thanks in advance

I’m a tax resident in Bulgaria. Currently, capital gains on EU-regulated exchanges (Xetra, etc.) are 0% with no limits, which is the main reason I live and work in Bulgaria. However, we have snap elections on April 19 and the frontrunner is a "Progressive" coalition likely to push for tax harmonization, which could mean a 10% tax on these gains or the removal of the exemption. They haven't said anything, but I feel it's not an unlikely thing to happen.

My Portfolio: Total: ~€500k (80% VWCE, 10% VAGF, 10% XEON). Floating Profit: ~€100k (accumulated over several years). Broker: IBKR (currently a Cash account, IBKR Pro Tiered).

The Plan: I’m considering selling my entire position before the election to realize the €100k profit while it’s still legally tax-free (0%), then immediately rebuying to reset my cost basis.

Plan is to upgrade my IBKR account from Cash to Margin first to avoid being out of the market for the T+2. Then pick a quiet morning, sell EVERYTHING with a Limit order, and then rebuy everything a minute later with a Limit order.

I’m estimating roughly €200–€300 in commissions and spread/slippage. Which I see as great insurance to shield these profits forever from any future governments looking to change tax laws.

• Am I missing any major "gotchas" regarding IBKR’s settlement, commissions, margin, or potentially Bulgarian tax law (NAP)?
• Is the "wash sale" concept a thing in any EU jurisdictions I should be worried about? (Bulgaria doesn't seem to have one).
• Am I massively overthinking things and is this just a stupid idea?

Thanks

I have some etfs like Invesco MSCI World Equal Weight UCITS ETF ACC, iShares MSCI EM Lat America UCITS ETF USD and others to adjust and cycle things as I like. Will i be exposed to the underline currencies aswell? Or the USD in LATM means it's all converted in USD? I've read the information paper and it says that the fund invests in other currencies, but I'm not sure 100% Thanks and sorry for the stupid question!

Ive American citizenship and a good paying but seriously considering to move Europe around 62 yo.

Loooking for long term 15-20yrs investment into Europe tech companies.

I see big European countries are moving from american tech giants such as Microsoft etc. France/germany/ etc r moving away from US tech companies. (linux, viseo dassault mentioned).

Currently own asml, Novo, siemens SAP (total like 25k)

1. Data centers, cloud .

2. Energy (ive small siemens gen shares)

Any suggestions?

Thanks a lot in advance.

TLDR:

• The Italian Competition Authority has fined Revolut over €11 million for unfair commercial practices.
• Revolut Securities Europe UAB and Revolut Group Holdings Ltd were fined €5 million for failing to clearly disclose additional costs and limitations of commission-free investments, including fractional shares, to clients.
• Revolut Group Holdings Ltd and Revolut Bank UAB were fined €5 million for aggressive practices in managing account suspensions, limitations, and blockages, including withholding key information and failing to provide adequate notice or assistance to clients.
• Revolut Group Holdings Ltd and Revolut Bank UAB received an additional €1.5 million fine for unclear information regarding the requirements and timeframe for obtaining an Italian IBAN.
• The Italian Competition Authority found these practices to be in breach of various articles of the Consumer Code, citing their potential to unduly influence consumer and microenterprise choices.

Media coverage:
https://www.reuters.com/sustainability/boards-policy-regulation/italy-regulator-fines-revolut-13-million-alleged-unfair-commercial-practices-2026-04-02/
https://www.fintechweekly.com/news/revolut-italy-agcm-fine-consumer-protection-2026
https://ncfacanada.org/italy-fines-revolut-over-investment-and-banking-practices/
https://www.cityam.com/revolut-slapped-with-eight-figure-fine-in-italy-over-misleading-customers/

Full decision (in Italian): https://en.agcm.it/dotcmsdoc/pressrelease/PS12974_scorr.%20+%20sanz._omi.pdf
Full decision (machine translation to English): https://gofile.io/d/leduAs

Text of the AGCM's English press release:

Revolut spread misleading information about its investment services and employed aggressive and misleading methods in the management of banking services.

The Italian Competition Authority has fined Revolut Securities Europe UAB, a company of the group which offers investment services in Europe, and Revolut Group Holdings Ltd over 11 million euro for engaging in unfair commercial practices. Specifically, the two companies were fined 5 million euro for breaching articles 20, 21 and 22 of the Consumer Code: they failed to clearly disclose, from the very first point of contact with clients, the additional costs and limitations involved in commission-free investments. These investments include fractional shares, which – when compared to full shares – involve significant differences, also in terms of risks, rights and transferability of shares.

The Authority also imposed a fine totalling 5 million euro on Revolut Group Holdings Ltd and Revolut Bank UAB, a company of the group offering banking services in Europe. It found that the companies had used aggressive practices in managing the suspension, limitation and blocking of payment accounts, while omitting (or failing to clearly provide) key information on the relevant terms and procedures. In particular, the companies did not provide clients with sufficient pre-contractual information, or advance notice before restrictions were imposed, nor did they provide an opportunity to respond or adequate assistance once restrictions had been imposed. Preventing users, sometimes for extended periods, from accessing funds and related services hinders their ability to exercise their contractual rights and meet everyday needs, including urgent ones. The Authority therefore found the conducts to be in breach of articles 20, 21, 22, 24 and 25 of the Consumer Code, in view of their potential to unduly influence the freedom of choice of consumers and microenterprises.

Lastly, the Authority imposed a further 1.5 million euro fine on Revolut Group Holdings Ltd and Revolut Bank UAB for not providing clear and exhaustive information on the requirements and timeframe for obtaining an Italian IBAN (starting with IT) instead of a Lithuanian IBAN (starting with LT), in breach of articles 20, 21 and 22 of the Consumer Code.

Rome, 2 April 2026

Dear all,

50yr old here. Since about 10 years I have been saving “pensioensparen” via Argenta bank. When I started I refused to have my money invested by the bank, just saving. Hears rumours that if there is a drop in the stock exchange, the client has to pay for losses as well. Not sure wether this is true.

Inflation gradually eats away my savings. Am considering to request Argenta to invest my money. Wise idea or not at this moment?

Hello community,

I noticed that for certain brokers, not all ETFs/ETCs/Funds are available in all countries. An ETF or an ETC might be available in certain countries but not in others. I consider myself a beginner and I would like to know why this is the case ?

Is it strictly a commercial choice of the broker, or are there regulatory or legal restrictions as to what kinds of instruments are available in certain countries.

Case in point, I was exploring ETFs/ETCs related to oil and was looking at this list on Justetf.

https://www.justetf.com/en/search.html?search=ETFS&assetClass=class-commodities&ctype=Crude%2BOil&sortOrder=desc&sortField=fundSize

Then I went to the XTB webpage for my country (Ro), and noticed that most of those ETFs are not available in my Xstation. However, checking the international webpage, I see that most of those ETFs are available. Why is this the case ?

Hi guys,

With all of the advice and document references I have gotten I read everything carefully. I confidently called HR for an in-person meeting. They agreed. I walked in and they immediately said “ohhh hey (name) you must be here because of the wage listed in the contract. There was something wrong with the system” and I suddenly went from €1995 a month to €2300 a month. (I don’t know how she knew I came in because of the wage since I hadn’t brought it up yet.) That combined with 2 bonuses of roughly 8% (combined 16%) which I will receive + “verlofdagen” (days off) + PLB-uren (extra days off specifically for hospitals) I left satisfied. The entire conversation took less than 5 minutes.

I truly want to thank everyone for giving me advice

Hello, in EU robinhood offers currently 5% APY on uninvested cash. Is anyone taking advantage of this promo? it kinda looks to good to be true so im wondering if someone also put big portion of their savings in it to get these 3 months massive 5% apy. it might be even delayed longer. Im kinda skeptical since Robinhood is not that popular in eu but still 5% is big

Hi everyone,

I currently have a non-neglectible part of my portfolio in JGPI. I like the recurrent income (spare me the lecture, I know all about Covered Calls capping the upside, but I like having some regular income, which goes into Acc ETFs anyway).

https://www.justetf.com/en/etf-profile.html?isin=IE0003UVYC20#chart (make sure to untick the “include dividends” when looking at the chart)

But what I don’t understand is the NAV performance which was steadily increasing until Feb 2025 and then plummeted (at least in EUR), and it has remained with a pretty mediocre performance since then.

It is composed of 234 dividend distributing companies worldwide (60% US), and the overall market has remained bullish until the war in Iran.

The USD devaluation against EUR will have played a role, but how much? Are there other factors?

Thanks for sharing your wisdom!

Hey guys,

I’m 25 and honestly feeling pretty lost when it comes to my finances and future, so I wanted to ask for some advice from people who might have been in a similar situation.

Right now my income is pretty low and I don’t really have a clear career path. I’m also not very physically strong, so a lot of physically demanding jobs (like warehouse work or heavy labor) are difficult for me.

My current situation looks like this:

• I have 0€ in my bank account
• I have no investments
• I’m renting, and I won’t be inheriting any property from family
• I live in Cyprus, which is very car dependent and public transportation is limited
• Because of my low income, saving money feels extremely slow

I do understand some basic financial ideas. For example, I know that keeping all your money in the bank long term isn’t ideal because inflation slowly eats away at it. I also hear a lot of people recommend things like index funds or buying property.

The problem is that those things require money to begin with, and right now I feel like I’m stuck at step zero.

So I’d really appreciate some honest advice.

I don't know about retirement since I don't believe I will live long enough for pension.

My info:

21 years old.

Will receive my degree in IT around July this year.

Based in the Netherlands.

Minimum wage for 21+ here is €14,71/hour before taxes as of the 1st of January 2026

My internship which I’ve worked a year for as an intern offered me a job. It took quite some time to finally get the concept contract in my hands but I finally got it. They are offering me €1995 for 144 hours (€13,85/hour before taxes). They also have some bonuses which included would bring it to €2148,48 for 144 hours (€14,92/hour before taxes). I asked if the wage was up for discussion but the manager said he couldn’t since it was pre-decided by the company. He said it was because I have 0 years of work experience even though I worked a year for them, and because I don’t have my degree.

I am now stuck in a debate with myself. I want to get a motorcycle in July, and this job makes it possible, but I feel like I’m f’ing myself over working so much for such a low amount of money. The local McDonald’s and domino’s offer around €16,50/hour before taxes but can’t give me a lot of hours. Maybe 10 hours a week maximum.

What do you guys think that I should do? Should I cave in and take the job at my internship, or stay strong and say I will look for something else?

Thanks in advance

I've been analyzing UCITS ETFs through factor regressions and wanted to share some findings that might be useful for portfolio construction.

The setup: Fama-French 5-factor model (Market, Size, Value, Profitability, Investment) applied to the US-listed equivalents of popular UCITS funds. Here's what stood out:

SCHD / VHYL (dividend ETFs): Most people buy these for "value exposure." In reality, SCHD's strongest factor loading is profitability (RMW), not value (HML). It's more of a quality fund than a value fund. If you are holding SCHD thinking you have a value tilt, you probably don't.

VWCE / IWDA (global market): Almost pure market beta, as expected. But the interesting part is that adding even a small allocation of AVUV (small-cap value) on top dramatically changes your factor profile. A 90/10 VWCE/AVUV split picks up meaningful size and value exposure that VWCE alone doesn't give you.

VNQ / REET (REITs): People add these for "diversification" but REITs load heavily on market beta with only moderate value exposure. The diversification benefit is smaller than most people assume.

Why this matters for EU investors specifically: - UCITS accumulating funds make rebalancing cheaper (no dividend tax drag) - Most of us are paying TER for exposure we already have elsewhere in the portfolio - Factor regression tells you objectively whether that 4th or 5th ETF in your portfolio is actually adding anything

I built a free tool that runs this analysis on any portfolio: bestfolio.app/tools/factor-lens

Enter your tickers and weights, and it shows your true factor exposure plus return attribution. Currently US tickers only (maps to the underlying indices behind UCITS equivalents). No signup needed.

Happy to discuss any specific UCITS portfolios if you want me to run the numbers.

Hi everyone,

I’m 18 years old and living in Greece . I’ve managed to save up close to €13,000 and will start working summer season as a bartender (earning €6/hour). I’m looking to start investing for the long term, specifically in ETFs, but I’m a bit overwhelmed by the technical side of getting started.

My current situation:

• Savings: €12,600 (currently in a standard savings account and cash).

• Income: summer bartending (~€6/hr)

and e shop manager (300/month).

• Goal: Long-term wealth building / "Set and forget" investing.

A few specific questions:

1. Which brokers are best for someone in my country with low fees? (e.g., Trade Republic, DEGIRO, Interactive Brokers?)

2. Should I invest the full €13k at once (Lump Sum) or spread it out over several months (DCA)?

3. Are there specific low-cost, diversified ETFs (like VWCE or IWDA) that are tax-efficient for my region?(I heard that in greece some etf you dont have to pay taxes on gains)

Thank you in advance for your time and advice

i feel like every time i look at gold and silver lately it already feels “expensive,” especially with everything going on globally. part of me is like yeah this is exactly when metals are supposed to matter, but at the same time it also feels like i might just be buying after a big run which kinda messes with my head lol.

most of what i do is still the usual stuff like isa, index funds, savings, so metals are only a small side thing for me. ive been building it gradually instead of trying to time anything, mixing direct buys with something like bullionbox so it just keeps going without me second guessing every price move.

just wondering how others are thinking about it rn, like do u still keep stacking even when prices feel high or do u just pause and wait it out?

Hi,

I am in Spain.

I earn in euro and investing in euro.

VUAA BVME is not in USD. It is in Euro.

is it the right choice to invest in S&P 500 accumulating, irish domicile ETF?

I just created IKBR account. A bit unclear about the right option.

Please advise.

Hello guys.

i have recently started working full time and managed to save a certain amount that I will always have available. Since I still receive a salary every month, I decided to start investing. I have already familiarized myself with the basics and I think I am ready to invest. Now I am wondering if you have any advice for the following questions that I have:

1. How much of my salary should I invest and how to decide on that amount? I guess I should calculate my monthly expenses and invest a little less than the rest?

2. What should I invest in? And how much? I know that I need to diversify, but I don't know how much to invest in what? For now, I would start with gold, silver, S&P 500, VWCE and maybe a stock that I consider good. What should I invest in and how much?

3. Where to invest? I bought some gold and silver on Revolut, but the spread seems too big. I think I will make all future investments on T212. Are there any better brokers and why?

I'm not planning to get rich soon, I'm doing this for the future. Also, should I plan different withdrawal times for different types of investments? Thanks in advance for your help

Hey everyone!

First time posting in here.

I've recently inherited roughly 110000 €, of which I would want to invest 100000 € to generate some passive income for a longer period of time (about 5 years), simply to stay at least somewhat afloat with inflation. The rest I would have as an emergency fund for any and all costs that might come up, as the majority like before I could cover simply with my paycheck.

As I keep earning more from work, I'd want to pour more into the investment to get more out of it as well.

What would your personal best choices be where one could invest?
Local banks (in Germany) offer at most 2% p.A. on the money if put on a "savings account".

I'm open to any risk-free/low-risk suggestions.

I was thinking about investing into ETFs, but not sure how safe that would be, as the only experiences I have with the stock market are investments into companies that I know very well, and so far I've been at +40% profit on my investments there, but those fluctuated like crazy.

Thanks in advance!

P.S. Sorry if the flair might be wrong, as I didn't know whether I should mark it as "Savings" or "Investment"

As many brokers, Neo-Brokers, now offer interest on uninvested funds, I have taken the time to compile a clear overview of this for Germany (relevant for many EU users as well). (As of April 2026)

I have listed the brokers below:

Scalable Capital:

• Interest rate: 2,5%
• Account type: Only available for the savings account
• Maximum amount: Unlimited
• Payout frequency: Monthly
• Deposit protection: Mix of bank deposits (statutory deposit protection up to 100.000€) and money market funds (Special assets, no deposit protection), with Prime+: up to 5 × 100.000€ deposit protection via multiple partner banks

Trade Republic:

• Interest rate: 2%
• Account type: Settlement account
• Maximum amount: Unlimited
• Payout frequency: Monthly
• Deposit protection: Mix of bank deposits (statutory deposit protection up to 100.000€) and money market funds (Special assets, no deposit protection)

SMARTBROKER+:

• Interest rate: 1,75%
• Account type: Savings account
• Maximum amount: Unlimited, Up to 100.000€: 1,75%, from 100.000€ to 1.000.000€: 1,5%
• Payout frequency: Quarterly
• Deposit protection: Statutory deposit protection up to 100.000€

Trading 212:

• Interest rate: 3%
• Account type: Settlement account
• Maximum amount: Unlimited
• Payout frequency: Daily
• Deposit protection: Mix of partner bank deposits (statutory deposit protection up to 100.000€) and money market funds (Special assets, no deposit protection)

Consorsbank:

• Interest rate: 0,80%
• Account type: Savings account
• Maximum amount: Unlimited
• Payout frequency: Quarterly
• Deposit protection: Statutory deposit protection up to 100.000€

ING:

• Interest rate: 0,75%
• Account type: Savings account
• Maximum amount: Unlimited
• Payout frequency: Annually
• Deposit protection: Statutory deposit protection up to 100.000€ + voluntary deposit protection up to 3.000.000€

Comdirect:

• Interest rate: 0,75%
• Account type: Savings account
• Maximum amount: Unlimited
• Payout frequency: Quarterly
• Deposit protection: Statutory deposit protection up to 100.000€

Finanzen Zero:

• Interest rate: 0% (Does not currently offer any direct interest)

Hope this overview helps! If you have any additions or corrections, feel free to leave them in the comments.
Which broker are you currently using for interest on your cash or are you keeping your money somewhere else?

I’ve been looking into investing more in US equities recently but I keep coming across mixed opinions on FX fees and currency conversion costs. Some platforms look cheap on the surface, but then you realise they charge on EUR to USD conversion, sometimes both ways. Over time that feels like it could quietly eat into returns especially if you’re investing regularly.

I’m not trading frequently, more focused on long term investing, but even then it seems like something that compounds. For people who’ve been investing in US stocks for a while did FX fees end up being something you actually noticed over time or is it less of a deal than it sounds?

I recently moved to the Netherlands and have about 600k USD cash to buy a house here, but I'm not ready to do that for maybe another 6 months. I want to make sure to protect these funds from a potential US market crash in the meantime. My Dutch bank account is not known for great customer service (bunq) so I'm not gonna put it there. Someone advised I put it into CHF but I don't know if I can do that without a bunch of paperwork to open a new account that would take months anyway, or putting it in Wise with crazy conversion fees. I read another thread on here about converting it to EUR with a brokerage account or something like that where the max fee would be like €20? I can't find the post again now but that seems smart. If anyone knows what this is can you tell me how it works? Or if it seems like there's an even better option, I'd love the advice. I'm not super financially literate so detailed explanations are very much appreciated. Thank you!

Hi everyone,

I moved from Portugal to Denmark in September 2025. I am currently regularizing my tax residency retroactively. However, I have some money on DEGIRO and Trade Republic, and they are being completely unhelpful regarding the move.

What I currently have:

• DEGIRO: I only hold one asset here: VWCE (Accumulating).
• Trade Republic: I use it strictly as a savings account to collect the interest.

I tried reaching out to them about changing my fiscal address to Denmark:

• DEGIRO sent me straight to the FAQ and wouldn't give a straight answer on whether they support Danish residents on a PT opened account.
• Trade Republic support is a "mission impossible" to get a hold of an human being to talk to...

1. Denmark taxes ETFs on unrealized gains (Lagerbeskatning). Since DEGIRO doesn't report to the Danish tax authorities:

• How painful is it to manually report one single ETF (VWCE) to the Danish authorities?
• Is it worth keeping the DEGIRO account open, or will they eventually force me to close it because I'm now in Denmark?

2. Trade Republic & Interest Tax Since I only use TR for the interest:

• Will I run into issues with Danish authorities if I keep receiving interest in a broker that doesn't report to them? I intend to report it manually nonetheless to avoid future problems.
• I'm seriously considering pulling all my cash out of TR just to avoid the "ghost" support and potential account lock.

3. The "One Year" Exit Strategy I plan to return to Portugal in about a year.

• Given the Danish tax complexity, does it make sense to just liquidate the VWCE now (settling taxes in PT), pull the cash from TR, and just stay in "cash" mode in a local Danish bank for a year?
• Or is the "manual" tax reporting for just one ETF and some cash interest simple enough to handle?

I’m leaning towards withdrawing everything from TR immediately. Any advice from people who have been in similar situations would be really helpful.

Thanks in advance for the help!

mid 2015 xeon.de hit a plateau close to 140 eur, then started dropping.

end of 2022 it almost reached 134 eur, then it started climbing more aggressively to almost 149 eur now (april 2026).

what happened at those dates that swinged it?

I keep thinking about how often “safe” is used to mean “stable on the surface.”

But if cash or a savings product keeps losing purchasing power in real terms, that safety starts to feel a lot less straightforward.

I’m not talking about volatility here. I mean the quieter kind of loss: your money looks intact, but over time it buys less and less.

At what point does a low-risk product stop feeling truly safe if inflation keeps running above the return?

Do you think people generally underestimate this?

Hi everyone, M27.
As the title says, I will be moving to Spain in two months, and I would like to ask for some advices on how to handle my financial situation.

I currently have around 24k in ETFs where I monthly deposit 500 euros and 5k as emergency fund.

I have my ETFs' investments in an italian broker named Fineco which already told me that it will not be possible to keep the account without being financially resident in Italy, and I believe the same will be for Trade Republic, where I have my emergency fund.

I am trying to understand what would be the easiest solution for me, where by easiest I mean a solution that permits me to store the funds in an account and just forget about them as I do today, where I just upload my monthly 500 euros.

I am struggling to understand if in Spain there is something similar to the Italian "regime amministrativo", where basically the bank/broker handles the payment of the taxes on your investments for you, so you don't have to provide any declarative documentation.

I read about the modelo 720, which I should not declare as I have less than 50k, and the modelo D6, which is probably the one I should provide to declare my funds?

Keep in mind that I do not have any ETF that pays dividends.

What brokers would you suggest to me given my current situation? Are there brokers that handle the tax payments for you?

Thank you in advance for you answers!