Questions tagged [europe]

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

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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'...
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1 vote
0 answers
51 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 ...
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0 answers
95 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 ...
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0 votes
1 answer
54 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 ...
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1 vote
1 answer
74 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 ...
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2 votes
1 answer
131 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 ...
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0 answers
61 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. ...
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0 answers
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Leveraged ETFs (e.g. TQQQ) for Europeans

I'm based in Europe and I would like to invest in some leveraged ETFs (e.g. TQQQ). Yes, I know that ETFs like TQQQ is not to be held long-term. My intention is to re-balance a few times per year which ...
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5 votes
2 answers
620 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 ...
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  • 664
-3 votes
1 answer
112 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 ...
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  • 113
-1 votes
4 answers
373 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 ...
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  • 194
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1 answer
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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 ...
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  • 211
2 votes
1 answer
323 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 ...
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1 vote
2 answers
287 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 ...
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2 votes
2 answers
118 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
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  • 123
2 votes
2 answers
189 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 ...
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0 votes
1 answer
88 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 ...
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  • 3
2 votes
1 answer
185 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 ...
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0 votes
2 answers
235 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 ...
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  • 557
0 votes
3 answers
488 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 ...
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1 vote
2 answers
245 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,...
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  • 211
0 votes
1 answer
33 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, ...
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  • 1,179
3 votes
0 answers
135 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 ...
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  • 153
1 vote
1 answer
393 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 ...
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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 ...
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  • 539
1 vote
0 answers
223 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 ...
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4 votes
2 answers
753 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 ...
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1 vote
1 answer
122 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 ...
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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, ...
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  • 109
0 votes
1 answer
192 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. ...
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25 votes
5 answers
9k 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 ...
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  • 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 ...
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3 votes
1 answer
650 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 ...
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  • 4,472
5 votes
2 answers
316 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 ...
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6 votes
0 answers
589 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 ...
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  • 61
4 votes
2 answers
94 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 ...
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1 vote
2 answers
510 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 ...
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  • 13
0 votes
1 answer
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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 ...
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  • 577
26 votes
5 answers
27k 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 ...
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  • 442
2 votes
2 answers
646 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 ...
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0 votes
2 answers
258 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 ...
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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 ...
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1 vote
0 answers
151 views

Young man living abroad, never paid taxes. Would this simplify a renunciation?

I'm a young (20 years old) American (French dual citizenship) living in Europe currently considering renouncing my US citizenship. However, I'm quite intimidated by the amount of paperwork, especially ...
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  • 111
1 vote
2 answers
135 views

A way to keep earned currency from working overseas (Europe)?

I'm a Brazilian citizen and have been working in Europe (Austria) for a few months. My contract is wrapping up, and I'm returning back home soon. I've been getting paid in EUR all this time and it is ...
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  • 111
1 vote
1 answer
242 views

Do index funds sell their stocks when the offer is very good?

A majority owners of a company did some actions that the Financial and Capital Market Commission found sketchy. They ended up with an agreement: owners had to make a good offer (more than +50% ...
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  • 661
5 votes
3 answers
3k views

Investing 30k Euro as a student with basic financial knowledge but lack of time

Context: I'm a 20-year old student with about 2 years of studies left, and have saved up about 30,000 Euros. A sizeable part of my studies includes finance, at a reputable school. Because of ...
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  • 151
0 votes
2 answers
282 views

Why do so many people calculate an annual average return of 10% in stocks when multiple banks offer funds that yield only 3-5% or lower?

In recent months, multiple banks and financial advisers have asked me if I would be interested in investing in stocks because I have some spare money. They showed me different funds that they thought ...
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  • 1,975
3 votes
2 answers
1k views

Where can I invest into S&P500 without leverage

I was willing to invest into S&P500 index but cannot find any platform without a huge leverage (for example iqOption, plus500 have leverage of 1:20 which makes usually safe investment become ...
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3 votes
2 answers
266 views

How can one maximize the value of their money when their country is adopting the Euro?

Countries joining the EU at some point decide to adopt the Euro as their own currency. How does this process unfold for the common citizen? More importantly though, how can one maximize the value of ...
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  • 1,355
1 vote
1 answer
120 views

What to invest if my savings will be used in another currency later, compare to which my countries currency devaluates?

My situation as follow: I'm planning to go abroad to study a semester during my undergrad, and then do my PhD also in abroad. My future plans are also living in abroad. The currency in these ...
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