Questions tagged [europe]
For questions that relate to the laws, practices, and products of the European Union.
126
questions
4
votes
3
answers
293
views
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 - ...
- 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 ...
- 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 ...
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 ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 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-...
- 11
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'...
- 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 ...
- 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 ...
- 141
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 ...
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 ...
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 ...
- 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. ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 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 ...
- 11.2k
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 ...
- 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
- 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 ...
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 ...
- 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 ...
- 150
0
votes
2
answers
477
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 ...
- 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 ...
- 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,...
- 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, ...
- 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 ...
- 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 ...
- 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 ...
- 547
1
vote
0
answers
374
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 ...
- 11
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 ...
- 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 ...
- 488
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, ...
- 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.
...
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 ...
- 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 ...
- 271
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 ...
- 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 ...
- 51
6
votes
0
answers
813
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 ...
- 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 ...
- 141
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 $75-80k
Person X and person Y both inherited 50% of ...
- 13
0
votes
1
answer
96
views
European Union Residence Tax
I always wondered how countries within EU (and Schengen zone) can prove to whom are you required to pay income taxes.
All the countries I will mention are part of the EU-Schengen zone.
Let's say I ...
- 577
27
votes
5
answers
34k
views
Buying an US ETF from Europe using Interactive Brokers
I am trying to buy an ETF using my account in Interactive Brokers. I am surprised to see that it is not possible. I am living in Europe and trying to buy an ETF in US dollars.
Their response to ...
- 452
2
votes
2
answers
706
views
Why would zero-coupon perpetuity not be worthless (simple enough so grandma understands)
The context is the negative yielding treasuries in Europe (Germany). Here is a quote I found on the matter:
Why would a zero-coupon perpetuity not be worth exactly zero? Because
its nominal value ...
- 271
0
votes
2
answers
265
views
Where do I go to invest?
I have been reading up on investing my spare savings in index funds/bonds and so forth and I am very interested in saving my money for long term use.
But all the sources are not clear on what and ...
3
votes
5
answers
1k
views
What should one do to not lose the value of his money over time
I live in Europe with my parents. I work and I have around 18k € (US$ 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 ...
- 31