Questions tagged [europe]

For questions that relate to the laws, practices, and products of the European Union.

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3 answers
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Is it sensible to skip Europe altogether in my asset allocation given my situation?

I am 31 years old. For health reasons I am bounded to live in a European country, where I was born and have access to the public healthcare system. I currently hold a modest portfolio with 20% bonds - ...
D1X's user avatar
  • 271
0 votes
2 answers
110 views

Potential EU Tax Residency and Ownership of US ETFs

I'm currently considering the possibility of obtaining EU tax residency in the future, and I'm aware of the restrictions that EU tax residents face when it comes to purchasing US-based ETFs due to ...
iuv's user avatar
  • 11
-2 votes
1 answer
99 views

Cheap indices in Europe

I have currently started investing and have access to the following markets: Xetra, BCPP, RMS I see many good indices like the DAX, but I have no more than 500eur allocated. I saw that there are ETFs ...
Adam Labuš's user avatar
3 votes
2 answers
264 views

Is overnight rate swap ETF viable alternative to low-risk bank products?

I live in a eurozone country. While the ECBs deposit facility rate is 3.75%, interest rates on savings accounts and similar low-risk products are less than 1% with the best offer being 2%. Overnight ...
kubek's user avatar
  • 31
5 votes
1 answer
912 views

Are Bonds holder paid before Stock holders in USA unlike Europe AT1 Bond holders?

I see news that AT1 holders of Credit Suisse , a type of bonds that were a solution to 2008 crisis. ...They were created in the wake of the 2008 financial crisis as a way for failing banks to absorb ...
puzzled's user avatar
  • 960
5 votes
2 answers
433 views

How should I invest if I have much disposable income and cash on hand?

I'm a 29-year-old living in Europe and I'm looking for some investment advice. I’m fortunate enough to be earning roughly $28k per month after tax, and I currently have about $400k in cash sitting in ...
kettlepot's user avatar
  • 151
1 vote
1 answer
167 views

1 year T-bill for buying a car in Europe

I live in Europe and I plan to buy a car exactly one year from now. I want to invest now approx. 32000 EUR in 1 year bonds to profit from the interest rate and to secure my money until I need it. My ...
MrRobot's user avatar
  • 135
-1 votes
1 answer
112 views

Difference between inflation and devaluation of euro?

Scope To limit the scope of this question, it focuses on the Euro only. Assumptions I assume there is a difference between the devaluation of the Euro, and inflation. This assumption is based on the ...
a.t.'s user avatar
  • 95
1 vote
0 answers
47 views

Should I move my AUD ETF positions to EUR during a EUR weakness?

I used to work in Australia as an expat but since have moved back to Germany with no intentions to return. In my depot I have a 35,000 AUD iShares Core S&P 500 ETF (IVV.AX) position including 5-...
guest23441's user avatar
0 votes
1 answer
156 views

How to keep track of my total liquid capitals

I want to buy a house, so I need to know how much money + stocks I have. I have three "savings": my bank account, a deposit account and some company stocks (I also have some RSU, but I haven'...
DeltaIV's user avatar
  • 717
1 vote
0 answers
62 views

Resource(s) for becoming financially literate [closed]

I'm looking for some resources for becoming financially literate, something for absolute beginners. Can be in any shape or form, doesn't matter for me as long as the content is accessible. For more ...
someguy's user avatar
  • 11
1 vote
0 answers
120 views

Money sent to suspended cryptocurrency account at an exchange

I have a cryptocurrency account at Binance account. However, as Binance no longer supports SEPA transfers, I recently opened another cryptocurrency account at advcash. Before opening the account with ...
Ahmad Turani's user avatar
0 votes
1 answer
60 views

Exercising options and holding on the stock

I have a certain amount of stock options (NSO) that I can acquire at the startup I work for. For personal reasons, I will have to eventually leave the company. I do believe in the company, and the ...
the_camel_of_lies's user avatar
1 vote
1 answer
84 views

Do I need to exchange my EU income (Euros) to GBP to get taxed in the UK?

I live in the UK and will start working as a contractor for an EU company soon and I am very new to this process. The company will pay me monthly in Euros, am I obligated exchange them to pounds? I ...
Maria Pantsiou's user avatar
2 votes
1 answer
305 views

From which Stock Exchange should I buy ETFs?

I'm considering to buy ETFs through IBKR, which seems to be a safe bet investment. The same ETF can be bought from different Stock Exchanges (different countries), one example is the Vanguard S&P ...
ebepem's user avatar
  • 75
0 votes
0 answers
66 views

Moving money around the world

I was born in Brazil, also have Luxembourg citizenship. I have US based IBKR account (starting to play with it) linked to my current address in China. I'm working and saving money in bank in China. ...
ebepem's user avatar
  • 75
5 votes
2 answers
667 views

What are the disadvantages of keeping a small part of your assets as cash in a safe deposit box?

In Switzerland, banks do rent out safe deposit boxes for valuables. I am thinking of storing a small fraction of my assets there as cash. To diversify my portfolio, in addition to a savings account at ...
Sybil's user avatar
  • 688
-3 votes
1 answer
120 views

Why is direct money transfer to other people accounts so expensive?

I see from a similar question that in the US and Canada wire transfer are even more expensive than in Europe where I live. But I am interested in the situation in Europe even though their cost is ...
FluidCode's user avatar
  • 245
-1 votes
4 answers
428 views

Hyperinflation effects on mortgages [closed]

Is it conceivable that some kind of monetary reform would be carried out in western countries (or Europe, or Switzerland if that matters), in which assets and debts (mortgages) would be converted ...
DavWEB's user avatar
  • 204
0 votes
1 answer
96 views

Asset allocation and keeping cash as an asset in a foreign currency?

I already have an emergency fund with which I am comfortable with and no debts. The emergency fund is in euros, my local currency. This question concerns the asset allocation of my investment ...
D1X's user avatar
  • 271
2 votes
1 answer
504 views

How can I transfer money from a US bank account to an IBAN+BIC number (European bank account) without any fees?

I have a bank account in the US and a bank account in Lithuania. The latter is identified with an IBAN and a BIC. How can I transfer money from my US bank account to an IBAN+BIC number without any ...
Franck Dernoncourt's user avatar
1 vote
2 answers
500 views

EU APR calculation, solving for APR

I'm looking for some help with a finance homework. We've been given the FCA calculation for APR: Source: https://www.handbook.fca.org.uk/publication/handbook/graphic/13449.png We've also been given a ...
ejdvdsn's user avatar
  • 11
2 votes
2 answers
123 views

How to pay a large invoice from a company in a European country from the US

Is a wire transfer the only way? I'm not near my normal bank who requires you to be in person to wire money so I'd prefer another option if it exists
brezotom's user avatar
  • 123
2 votes
2 answers
252 views

What are the options for minors to invest in Europe?

I am teaching my daughter about finances, inflation, and investing. We had opened her a minor account in Swedbank Lithuania. During spring break she made several hundred Euros doing various chores and ...
Matas Vaitkevicius's user avatar
0 votes
1 answer
102 views

In what order are taxes stacked for an LLC

This isn't about some exact country, it's more about the general idea (which, I believe, is very similar in most of the world). But if you need some context, let's say that we're talking about a ...
Misty's user avatar
  • 3
2 votes
1 answer
355 views

In which EU countries can companies elect pass-through taxation or at least there exists a company form with pass-through taxation?

I am looking within EU for a tax solution similar to S Corporations in the US: An S corporation, for United States federal income tax, is a closely held corporation (or, in some cases, a limited ...
Pawel Debski's user avatar
0 votes
2 answers
478 views

Retain wage level in another country

TL;DR: I want to move to the EU from the U.K. and keep the same pay (though not a Euro-using destination.) Is this possible? I’m living and working in the U.K. but want to move to an EU country. I ...
Matt W's user avatar
  • 549
0 votes
3 answers
505 views

Can I day trade with €5,000 of savings?

I want to day trade as both a form of entertainment and income but I've read about needing €25,000 in your account and some things about being able to trade anyway. I don't really understand how this ...
BLey99's user avatar
  • 1
2 votes
2 answers
300 views

Looking for a single ETF for maximum diversification [closed]

Around 5 years ago I started investing my savings by individually picking stocks with the intention of holding them. So basically Buy & Hold strategy mainly focusing on companies that pay dividend,...
D1X's user avatar
  • 271
0 votes
1 answer
38 views

Investing in a different european country

Is there any particular risk (other than the normal investment risk) in investing in an european country other than yours? (i.e. if you are French or Italian and you invest in the German stock market, ...
Martel's user avatar
  • 1,241
3 votes
0 answers
199 views

Stock market APIs that include European and ETF market? [closed]

I have tried these options: GoogleFinances YahooFinances API iexcloud alphavantage worldtradingdata For the first two (Google and Yahoo) looks like the API is deprecated and can not be used ...
fguillen's user avatar
  • 153
1 vote
1 answer
474 views

Investing books for the European Union [closed]

I have read 2 books about investing, and they both assume you are US citizen and all the theory and examples they give are about the US market. I have investigated, and I have found that the majority ...
Martel's user avatar
  • 1,241
48 votes
12 answers
15k views

What are the pros and cons of a credit card for a European?

I have a bank account, with some savings. Enough to cover every expense I could have to face without delay. I also have a debit card, which I use for my offline payments, a Paypal account for most of ...
bracco23's user avatar
  • 547
1 vote
0 answers
375 views

Money Transfer with invalid IBAN

i made transfer with missing 1 number in IBAN so its invalid but the money never back into my account. In fact when my bank made correspondence, it is said that the money in credited to individual and ...
Stefanie's user avatar
4 votes
2 answers
1k views

Are banks in Europe allowed to charge you for too low a balance?

Ever since I've heard stories of people in the U.S. who (almost) emptied their accounts, I've feared of one day doing that too. I always make sure to have at least 100 EUR in each of my accounts. It ...
UTF-8's user avatar
  • 912
1 vote
1 answer
127 views

Liability for poor investment advice?

[Country is South Africa but I am also interested in this in the context of the U.S. / Europe] A good friend of mine has trusted a wealth manager with her sizeable portfolio for the last 6 years. Her ...
Oliver Angelil's user avatar
0 votes
0 answers
114 views

Best way to invest ~10k euros in Europe [duplicate]

newbie here. I'd like to know what are the best ways to invest ~10k euros here in Europe. I don't have any debt and I am able to save 1k euros every month moving forward. I can't buy property yet, ...
strwoc's user avatar
  • 109
0 votes
1 answer
200 views

Best way to start investing, for a young person just starting their career in Europe? [duplicate]

I'm in my 20's and just starting my career as a data scientist. I live between the United Kingdom and the rest of Europe. I have read the answers to this question but it seems to be very US-centered. ...
Revolucion for Monica's user avatar
25 votes
5 answers
10k views

Sold item on eBay, buyer wants it to be delivered to another country, and pay by bank transfer

I recently offered an item on eBay, offering it for sale in Switzerland only (no international shipping offered). However, now someone bought it and messaged that they want it shipped to Italy, and ...
user91928's user avatar
  • 253
17 votes
6 answers
6k views

How to start toward financial independence

I would like to ask for help from those with more experience on how to achieve financial independence on, say, an N year window where N is large enough to get there but as small as reasonable. I just ...
ironicaldiction's user avatar
3 votes
1 answer
1k views

Are there Target Date Funds in Europe/Germany?

The title already says it. To expand on this, I read about target date funds on this site. Essentially, they try to provide bigger gains with bigger risks at the start, and "automatically" become ...
glglgl's user avatar
  • 5,417
5 votes
2 answers
323 views

How do I assess the value of equity offered by my employer compared to a salary raise?

I work for a small-to-mid-sized (~20 employees) tech startup in Europe. I was hired two years ago as one of the first employees after the founders. When I joined, we had an agreement that after a ...
user90484's user avatar
6 votes
0 answers
814 views

Starting a trust fund in an EU country

I'm in a sudden and unfortunate need of starting a trust fund (money being the only asset) in an EU country (I'm afraid I need to rule out UK as an option) for a minor (not a relative of mine) that ...
tmt's user avatar
  • 61
4 votes
2 answers
101 views

How does EU VAT work for physical service provided in non-home member state?

Assume I'm a VAT registered sole trader in Austria working as a handyman. As a one off, I go to Germany and paint a wall for a non-business, that is consumer. Which VAT rate is applicable and how do I ...
Cornelius Roemer's user avatar
1 vote
2 answers
517 views

Is it more financially sound to own 100% of one property or 50% of two properties?

Property A: 3-bed flat in a decent location, say, worth $100k Property B: 2-bed flat in a marginally worse (but still decent) location, say, worth $75-80k Person X and person Y both inherited 50% of ...
Rombix's user avatar
  • 13
0 votes
1 answer
96 views

European Union Residence Tax

I always wondered how countries within EU (and Schengen zone) can prove to whom are you required to pay income taxes. All the countries I will mention are part of the EU-Schengen zone. Let's say I ...
Dino's user avatar
  • 577
27 votes
5 answers
34k views

Buying an US ETF from Europe using Interactive Brokers

I am trying to buy an ETF using my account in Interactive Brokers. I am surprised to see that it is not possible. I am living in Europe and trying to buy an ETF in US dollars. Their response to ...
bp2010's user avatar
  • 452
2 votes
2 answers
706 views

Why would zero-coupon perpetuity not be worthless (simple enough so grandma understands)

The context is the negative yielding treasuries in Europe (Germany). Here is a quote I found on the matter: Why would a zero-coupon perpetuity not be worth exactly zero? Because its nominal value ...
Arash Howaida's user avatar
0 votes
2 answers
265 views

Where do I go to invest?

I have been reading up on investing my spare savings in index funds/bonds and so forth and I am very interested in saving my money for long term use. But all the sources are not clear on what and ...
OfficerChalk's user avatar
3 votes
5 answers
1k views

What should one do to not lose the value of his money over time

I live in Europe with my parents. I work and I have around 18k € (US$ 20k) in my bank account. I know that money loses its value over time and I wonder what I can do with that money and my income ...
bigi's user avatar
  • 31