Questions tagged [europe]

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

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4
votes
1answer
176 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 ...
3
votes
1answer
66 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 ...
6
votes
0answers
222 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 ...
4
votes
2answers
55 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 ...
3
votes
4answers
1k views

Buying Fixed Deposit in India from Europe

Given the chance, does it pay off to open a FD in India (high interest rates, high inflation) with Euros (low interest rates, low inflation) from Europe? Or is it too risky on the long run (~ 1 year)...
4
votes
2answers
238 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 ...
1
vote
2answers
467 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 ...
0
votes
1answer
106 views

Travel expenses reimbursement taxation?

I own a small (one person) "Ltd" company in Hungary. (They are called Kft. here) I work as a consultant for a U.S. company located in San Francisco. I emit regular invoices to them and then I pay ...
0
votes
1answer
70 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 ...
2
votes
2answers
200 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 ...
0
votes
2answers
243 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 ...
2
votes
5answers
274 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 ...
1
vote
0answers
139 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 ...
1
vote
2answers
112 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 ...
5
votes
3answers
2k 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 ...
1
vote
2answers
181 views

Investing platform options without fixed residency

Background: My wife and I are in our high-twenties currently living in UK. We don't have a mortgage, we're renting our flat. The only debt we have is the standard UK student loans, which is deducted ...
1
vote
1answer
160 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% ...
0
votes
2answers
234 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 ...
3
votes
2answers
364 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 ...
3
votes
2answers
203 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 ...
1
vote
1answer
103 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 ...
1
vote
0answers
66 views

IRS federal refund paper check [duplicate]

I worked in the US this summer and I received a paper check from tax returns on my address in the US. But I live in Europe now, and I don't have an American debit card. Can a friend of mine who has ...
1
vote
1answer
159 views

Things to watch if buying properties in Europe at low prices under local government incentives

I have been seeing social media advertisements inviting investments in the way of buying houses in derelict or small and not-so-well-to-do towns. These advertise the price to buy as under $100 or 100 ...
2
votes
2answers
132 views

German Nationality, working for US company but living in Germany

I studied in the USA for 4 years and started working as a Software engineer in the USA. Now I was wondering if I could work full time remote from Germany for the same US company. After some research ...
3
votes
1answer
142 views

How to select ETFs on to invest on?

In the last couple of years I have been trying to educate myself in what concerns finance. I have put some money on some financial products (shares and ETFs) but I feel like I am playing the roulette ...
0
votes
3answers
168 views

How to find reliable trusted profitable passive income residing in Eastern Europe?

I would like to stop working and receive some passive income from anything that can generate income. I live and reside in Eastern Europe (Ukraine). I don't trust Ukrainian banks since they are not ...
1
vote
1answer
98 views

Is the issuer of an ETF a risk to consider?

When it comes the price of an ETF, I understand that it reflects the value of the underlying assets. What happens where a company that issues ETF comes into play on the decision of people whether to ...
1
vote
1answer
45 views

How to handle company related purchases when abroad (in U.S.)

I own a single person company in Europe (Ltd) and I'd like to know what is the proper way to ask for an invoice I can use to prove a cost for my company? It happened in the past that I bought ...
0
votes
1answer
177 views

Should I make a loan or withdraw all my savings to buy an asset?

Lately, this is a question I've been asking myself, and I don't know which would be best, both on short term and long term. Let's suppose I have around 20,000 to 25,000€ in my savings account (which ...
2
votes
3answers
5k views

How is monthly wage tax calculated in The Netherlands?

AFAIK, in most European countries, the wage tax is calculated based on the total annual earning but is deducted by the employer from the gross salary and paid to the tax authorities in advance, on a ...
1
vote
1answer
191 views

How to know which bank will keep my data safer? (Europe, single country)

I was looking at four banks in one country, which are based in France, Belgium and 2 in Austria, and I was looking for something that would make me choose one over the other... So I thought what's ...
0
votes
3answers
152 views

Considering leverage [closed]

I started investing two years ago. Currently my situation is as follows: I earn 1700 € per month and manage to save 1200. To be Conservative and as rents are going up in my country, we can assume ...
1
vote
0answers
44 views

EU citizen temporary living in the USA, trading CFD

I am an European citizen, currently living (non-permanently) in the USA. I am US non-permanent resident, in other words. Am I allowed to trade CFDs, through an European portal?
2
votes
0answers
103 views

What happens when I make purchases on Amazon as a company but I don't register the VAT invoice?

I have a company in Europe. If I use my Amazon business account to buy work related stuff, I don't pay the VAT. What would happen if I used my personal credit card rather than the company card to ...
2
votes
0answers
100 views

Trusts, Inheritance Tax in UK

My background: I am a British citizen, currently living in mainland Europe i.e. Austria. Off-late, I married an Austrian Citizen. We purchased a property together in Austria. There is no Prenup ...
1
vote
3answers
336 views

Why are some wage taxes officially paid by the employer, even though they're really paid by the employee?

My current salary is taxed at two levels: first, the employer has to pay a certain number of taxes on my wages. The rest of the money is then considered to be my salary and I pay other taxes (social ...
0
votes
1answer
348 views

Buying a house over a long period of time without a mortgage

I will soon receive a sum of money which will allow me to pay all cash for a house. However, I'd rather pay for the house over a long period of time. I would like to put the unspent money to work in ...
1
vote
1answer
194 views

Is money in a European bank current account guaranteed by the state? Which state/fund guarantees?

I have a sum of money in a European bank, and I prefer to have it in a current account for two reasons. One, I don't know how much over the coming year I will need to spend without notice and two, the ...
29
votes
9answers
10k views

Should I pay cash or prefer a 0% interest loan for home furnishings?

I live in France. I bought an apartment with a mortgage a month ago. I've been buying plenty of stuff for this apartment like furniture, decoration, oven, etc. And I still need to buy other stuff. I'...
1
vote
0answers
42 views

What are the laws about selling random things on ebay for EU-based private person?

I was thinking to sell some things I don't use anymore on eBay and I was wondering if I should register or tax it somehow? I'm a private EU citizen and that's where I reside, and I assume that I would ...
1
vote
3answers
126 views

Deviation between European and American Stock exchanges

I live in Germany and I am trading stocks for around 6 months. My favorite stocks so far are mainly the big tech companies that we all know (Alphabet, Amazon) as well as the according indices (e.g. ...
0
votes
3answers
280 views

Which of these countries makes most financial sense? [closed]

Below are a list of countries I am considering moving to (from within Europe). My preference was initially the Netherlands, but I have read that the bureaucratic side of things can make moving there ...
11
votes
3answers
2k views

Couch Potato Portfolio for Europeans?

I recently came across the Couch Potato Portfolio concept and was happy to find an investment strategy that made sense to me. Its origin seems to be the Canadian version, and it has been translated ...
7
votes
2answers
498 views

How to be sure that a payment cannot be reverted?

Many scam schemes are based upon sending some money to the victim and make them forward it. Then the first transaction is reverted and the victim has to take the loss. The concept of the reversibility ...
3
votes
2answers
2k views

What's the least risky investment for people in Europe?

I have a few thousand euros in a bank deposit and I was wondering where I should invest them, considering that I won't want to take much risk? I am ready to accept the lower ROI than investing the ...
1
vote
1answer
188 views

Where is the liquidity on European derivatives exchanges

This has bugged me for a long time, and I feel like I am missing some information. When I browse Eurex, a derivatives exchange in Europe, I don't see the kinds of liquidity I would expect. For ...
0
votes
1answer
34 views

How to find a broker / market where to buy a certain stock?

I know a certain stock can have a different ticker based on the market where it's traded (Wall Street, Frankfurt, Milan,...). What I don't know is : how do I identify the market (and possibly the ...
1
vote
1answer
267 views

How to return 4 - 6% on savings / investments with little / no management?

What would be the simplest (require the least management) way to get a return of 4 - 6% on savings over a 10 - 15 year period. I would like the lowest risk possible, I do not need the 'potential' ...
0
votes
5answers
210 views

How should I pick an Investment account?

I have recently managed to secure a graduate job and I started think about investing part of my income. I am at the start of my career so I would probably be able to invest around 600/month. I ...
3
votes
3answers
887 views

Can I force companies to accept a SEPA bank account?

Let me start with a quote from the SEPA website: Only one bank account needed for the whole euro area: SEPA will make things much easier if you are working or studying abroad in another euro ...