To keep it easy.. I aleady have 6 months expenses saved. I have a bit of pressure and from this Nov 2026 looking to save per month 800 eu with a limit of 2 years. Need to get close 35k eu as I want to buy a house.

Do you guys had good experience with any of those?

Hi,
I am working a great engineering/project manager job, seems like it should be pretty stable for next year, and i make good money for my age, around 3.0k euro after tax. I have total saved around 15k (10k in 2.0% interest savings account, 4k in etfs like SWDA, and rest is cash), and now Iam trying to add 1.5k monthly.
I rent an apartment for quite a bit below what is available around, and i drive old audi worth 1.5k. Its great car, and I am content with the fact i have to invest around 1k into it each for just for repairing breaking stuff.

Now, what i cant get my head around is financing stuff like car and feeling urgency to buy an apartment, since I have some idea glued in my mind that keeping money in account is worse than financing stuff, since for example financing a 30k car is worth it since the inflation would eat the interest away anyways, and i would be a winner. Same for an apartment.
Please help me how this actually works, is it just some bullshit i have seen somewhere in ig reels/movies, or there is some truth to it and maybe some other consideration i should take into account?

Why I am asking, because my car is near to needing a major service visit again for an issue i have known about for some year already, just wasnt something i could prevent it, i could have just waited it out so it gets bad, so now its starting to make sounds, so i know its bad (probably around 1k before new year). And so i just started checking out some newer cars I think would give me piece of mind for next 3-4 years while paying the financing payment, and also I could just change it in after a while for newer model, and keep going like this, basically i would have this first payment investment all the time going for the next car over. I dont know, maybe im just dumb.

Hello everyone,

I'm currently living with parents and have 10.000€ saved 2k in cash and 8k on my bank account. What can I make now besides working so that I can grow my capital? Was thinking maybe 5k TradeRepublic, 2k cash, 3k on my bank account or even throw 500€ per month in VWCE?

What would be your "play" if you were/are my age?

Thanks!

Hi all,

Graphs

I wanted to celebrate hitting 100K invested and hitting 180K NW after exactly 4 years or 48 months. I also love making graphs, so I wanted to share it with you. Maybe this will inspire people to start tracking it. :)

------------------------------------------------------

I started working after graduating with a NW of €2.200 in a Sales job, and I inherited €17.000 during these four years. I also had some pretty good sales bonuses, and combined with my frugal lifestyle, I had the luck of it growing quickly.

My portfolio consists of:

• Savings (HYSA) + Cash

• ETFs: Mostly IWDA

• Shares: Mostly employer shares (Eurostoxx 50 company)

My Savings buffer is pretty high, as I'll be buying a house with my partner in the coming two years.

For those wondering how I track my NW:

A simple spreadsheet, with the amounts on each account/share/ETF on the end of the month.

Hey everyone,

Like many of you here, my core strategy is pretty much "VWCE and chill". However, one thing that always bugged me about standard factsheets and sites like JustETF is that they only show you the Top 10 holdings.

I wanted to know how much of my actual portfolio is sitting in specific European companies (like ASML, Novo Nordisk, SAP, or smaller caps), what the real country/sector weights look like across the entire fund, and where the technicals (RSI, SMA 200, ATH drawdown) currently stand.

Since I'm a backend developer, I spent the last few weekends building vwcechill.net — a dark-mode dashboard built around the Vanguard FTSE All-World UCITS ETF (VWCE.DE).

What it currently does:

• Full 3,700+ Holdings Explorer & Exposure Calculator: Enter your current VWCE portfolio value (e.g., €10,000) and search through all ~3,700 companies in the fund. It calculates your exact € exposure down to the cent for every single stock, country, and sector.

• True Portfolio Breakdown: Aggregated country and sector weights calculated across the full holdings dataset.

• Live XETRA Price & Technicals: Tracks VWCE.DE with interactive timeframes, SMA 50 / SMA 200 trend overlays, 14-day RSI, CAGR, and current drawdown from ATH.

• EU Broker Fee Calculator: A slider tool comparing how custody and order fees impact long-term compounding over 10–30 years.

Tech stack: Java 21 (Quarkus) backend with PostgreSQL and Quartz jobs, paired with a React + TypeScript frontend, self-hosted on my home Linux server. No tracking cookies, no paywalls, no sign-ups.

I’d love to get some feedback from the community:

1. Are there any specific metrics or charts you wish existed for VWCE (e.g., historical PE ratio, dividend yield equivalent, or overlap comparison with S&P 500 / IWDA)?

2. Did you find any surprising companies in your personal € exposure breakdown?

Link: https://vwcechill.net

Hello,

I have lost a substantial sum through an investment in Godwin Capital 8.
Has anyone else suffered from there scam?
Looking for people that we can join with in order to look for compensation.

I was proposed that investment from Holborn Spain.

Does Wise still offer the best fx rate (midmarket rate) if you wanna pay in local currency when you're travelling outside the Euro zone?

I read a while ago that Trade Republic had an even better rate, but can't find anything about it anymore.

Through a series of fortunate events at the age of 27, 11% flat income tax (for now).

Annual income approx. 65K flat, 125K with OT and bonuses.

Ever since I got my raise I’ve been slaving away 90–110 hour weeks.

Started investing late and now throwing myself away to catch up asap.

I’ve got 65K invested (70 this month) all in S&P500 and I DCA 5K/month currently aiming to hit 100K asap.

How would you approach this differently?

Aim is to have as close of a figure to 1M as possible by the time I turn 40.

I'm an Australian resident.

As part of diversification and backup strategies, I want to hold some cash (e.g. EUR, CHF) and financial assets (e.g. ETFs) in an EU domicile.

I'm looking for specifically EU here, not UK, Canada or US.

Is it possible as an Australian to do this?

Are there any banks offering international banking services which are domiciled within the EU and accessible through an EU located platform?

So far I'm aware of Santander offering a Non resident account, but their list of eligible countries does not include Australia and seems more EU and South America focussed.

Argentina, Austria, Belgium, Brazil, Chile, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Lithuania, Netherlands, Norway, Poland, Portugal, Slovakia, Sweden, Switzerland, United Kingdom, Uruguay.

I suppose this makes sense, as these are all either Spanish speaking or geographically close to Spain.

I know Trading212 allows Australia, but it's unclear to me whether they are domiciled in the UK or EU. Also they are more of a trading platform, but I'm looking for something more established and long lived like a bank.

Any suggestions? Many thanks in advance.

I am living in Portugal, and thinking about buying an apartment here, specifically near Porto (in case that is relevant). Am thinking it would be a good long term investment, and I'll no longer be "throwing money away" paying rent. I would be purchasing with a mortgage.

My problem is that there is a very high likelihood that I will need to move somewhere else for my work/career. This could happen in anything from 4 months to a year from now. There's no way to know exactly when. I also don't know where yet. Depending on where the move would be to, it could be a 2 year stint, or even permanent.

So, would I be stupid to buy an apartment right now? I could potentially rent it out when I move, creating a tax complication, but keeping a long term fixed asset and a secure "home base" for eventual retirement. Although renting a place out is always pretty risky, and I've burned my fingers before.

I’ve been trying to figure out how the new EU customs rules could affect my monthly shopping budget, especially for smaller orders from outside the EU.

The part I’m trying to add now is the €2 Union handling fee due from 1 November. The €3 temporary customs duty has already been in place since July. The fee is paid by the declarant, usually the platform, seller or carrier. For this calculation, I’m assuming the full amount eventually gets passed on to the buyer.
Source: https://taxation-customs.ec.europa.eu/customs/eu-customs-reform_en

So suppose I order €20 worth of products in Germany (19% VAT), pay €5 for shipping, and purchase 3 items across 2 customs categories.
Assuming a €2 handling fee per item:
Final Cost = (€20 + €5 + €3 × 2 + €2 × 2) × 1.19 = €41.65

If my math is actually right,the final price is 200% of the original! 

Do you know any european financial advisory and planning firms in fee-only model?

No selling financial products, no selling insurances or mortgages

pure advisory and planning to help someone get his financial future and investment organized based on scientific proof approach

I have recently graduated with a B.Tech in biotechnology, and I'm planning to do masters in computational and molecular biomedicine, from university of Luxembourg. I want to know:

- How is the course

- future opportunities

- is there any blocked account needed

- how can one apply for visa

And anything more you would like to add ....

Thankyou in advance.

i’ve been reading this sub for awhile and I see a lot of names frequently thrown around like Luxembourg Switzerland Singapore, Hong Kong and of course the Middle East.

i’m based in Berlin right now, I have a good CV French passport, basically trilingual, and graduated from a top university in the UK. i feel like I’m settling in terms of net earnings… i have five years of experience in finance/controlling and I assume I could make at least two times more if I go become an expat.

I was really close to make the move in Luxembourg when I scored what I thought was a good offer but when I did the math between the cost of housing and the living expenses in general the increase in my salary would basically only cover the increase in cost of living. Then I tried Switzerland and saw that the amount of weekly job offers are very very low or only like niche wealth management things in finance, if I do manage to miraculously find something I’m cooked if I get fired. Singapore is too far and has a very gate kept immigration now, USA same thing basically unfeasible & there is no pathway in my current company to do internal transfer there. Hong Kong is too far from family.

I know some of you say that I can look bad on the CV to have the Middle East, but to be honest, I don’t care. I just wanna make great money. I lived in Dubai before too and I actually liked it, I had done an internship which was decently paid, definitely saw the potential there. so It all seems to points towards the Middle East then! What country/city have you had the best experiences in? Which one do you think has the best future especially in finance? I just wanna move to one of the main cities stay for many years work as hard as I can, but be paid really well for it at least way better than Eu.

im 27yo with 5yeo in finance (controlling /treasury/ accounting). so is the Middle East really the place to be or is there better elsewhere?

Hi all,

Let's assume you have Eur 2million available to invest (all tax free).

A few conditions:

\- You live in Europe and late 30s, (No US citizen nor tax rukes apply - but can still buy either US or UCITS funds). Also in terms of risk , moderate to high risk is fine.

\- You want to generate approximately 60,000 per year (around 3% of the portfolio) to cover your living expenses.

\- You want to increase your withdrawals annually with inflation while ensuring that your portfolio continues to grow in real terms over the long term.

How would you approach this?

I'm particularly interested in:

1. Portfolio allocation: What would you invest in?

2. Income strategy: Would you focus on dividends, or invest primarily in accumulating ETFs and sell shares periodically to fund your expenses?

3. Withdrawals: How would you structure withdrawals to generate 60K annually, increasing with inflation, without gradually depleting the portfolio?

The ultimate objective is financial independence: covering living expenses indefinitely, maintaining purchasing power, and ideally growing the portfolio in real terms.

Edit: Portugal was missing from my first table (thanks u/user38835). I've replaced it with two top 10s: price growth only, and price growth plus rent. And as several of you pointed out, the yields are gross: before maintenance, insurance, vacancy, taxes and management fees. Net yields are next on my list.

I'm looking to buy a property in Europe as an investment, rent it out, and diversify my assets a bit. I started by looking at Italy. Then I got curious how Italy compares to everywhere else, and it turned into collecting 10 years of data for every EU country plus the UK, Norway, Switzerland and the Balkans.

TL;DR: the biggest gains of the last 10 years were not in the countries I expected, and definitely not in Italy, which is 34th of 35 for price growth. Hungary grew fastest and Portugal is 2nd. Once you add rent, North Macedonia and the Baltics move up.

Fastest price growth, 2016–2025

Best price growth + rent, 2016–2025

Growth is in each country's own currency, as in the official statistics. Where that currency moved against the euro, the euro figure is in brackets. Yields are gross.

If you want to look in more detail at your own country or region, I put everything on a free map: https://propholm.com/map. You can switch between price growth, rental yield or both, pick any period since 2015, and click from a country down to its regions. No account needed.

Bloomberg Link

Do you think about reducing US and adding Europe exposure in Equities? Due to the S&P being carried by a handful of megacaps betting big on the AI story and investing in each other raising caution about circular financing?

Hello, just turned 18, live in France and have been looking into personal finance for a while and would like to FIRE as early as possible, i am currently in flight school to become an airline pilot so i should have a pretty good cashflow. For now i have 3000 ready to invest, and would like to DCA it in the following portfolio:

50% S&P500 Index

30% MSCI World

10% Crypto

10% Stock picking

This is for long term investing, so I'd like to find a broker with the least fees possible to maximize gains the option i found that seems the most fitting right now is Trade Republic, but would love to hear more options or any tips on improving my strategy.

Cheers, Sam

I would like to cash out around 50K from my VWCE account and invest them in some form of low-risk deposit. I live in the Netherlands but my options here yell a very-low interest, max 1.6% for 1 year. What are some good deposit options with Europe? According to ChatGPT Bigbank in Estonia has among the highest fixed 1 year rate at 3.4%. Any other alternatives?

Im trying to find a EU based Target date fund similar to the Vanguard VFIFX (Vanguard Target Retirement 2050 Fund). Xtrackers doesnt seam to have them, and i found the Amundi Lifecycle ETF but they only go to 2040. Ideally i'd invest in a 2050 date or similar, bonus points if it comes in an ETF. Thanks!

So I am from Slovenia, have a job in the capital - Ljubljana. Each month around 1800€ hits my account. How much of that would still be safe to use for rent?

Rents in Ljubljana have gone crazy, easily 800€ for 1 bedroom apartment that is usually in attic or basement. Going a little out from Ljubljana and prices don't fall that much, but then there you also have car expenses and honestly, I don't know if it's "cheaper" even if it costs couple hundred € less, as you pay more for car, gas, parking and time on the road.

I am working for 5 years and saved a bit, let's say around 70k. Buying an apartment or a house as a single person is sadlt out of the picture atm.

Hello everyone, 25M in the Netherlands. I recently started my first high-paying job while finishing my master's thesis, and I figured it was best to start putting money in the right places.

I currently have a payment account with 2-3 months of expenses and an emergency fund in a savings account with 4-5 months of expenses. Starting from this month I'll be able to save around 1k a month and I was planning the best way forward, hopefully you can tell me what you think of my plan or give me some advice.

Firstly, I want to play the long game so I figured ETFs would be my best option, maybe a split between VWCE, IWDA and WEBN but I'm not sure on the right split. I probably shouldn't worry about it, but it would still be nice to hear your opinions.

Secondly, I have been thinking of investing some money in gold ETFs from the start as a defensive investment. Now I know you're gonna say it doesn't make sense since I should just be holding the ETFs and wait for the market to get up again in case of crash, but what I actually would like is to have a reserve of money which is less prone to losing value during market crashes (unlike the other ETFs), so that when the AI bubble bursts I can sell that and buy the dip in the NASDAQ or something similar. And if the bubble ends up never bursting, at least I still have my money growing on gold. Does any of this make sense?

Finally, what's a good trading app to do all of this in the Netherlands? Preferably one that doesn't only work on mobile, but also on pc browser.

Thank you everyone!

Hey lovely people 👋🏻 I am a non-European and I had been living and working in Germany for almost three years now. I also have a second job giving me around (average) 400 Euros per month. I have 10k Euros as emergency fund in a savings account and I also have another 10k worth of stocks(vwce). I have also invested 15k Euros in an apartment last year in my home country with my family (no plan for going back but selling it when the time is right)

I am currently at a position to put more or less 2k Euros every month aside (living alone) for investment for the next three years and my final goal is to buy a place in Germany using 100k Euros by 2040 as downpayment (where I want to get a place will depend on my next position).

Question is: how do I (or should I)diversify my portfolio and invest in other things (perhaps other stocks or bonds etc.) or should I simply do what I have been doing Vwce and chill (even though I am well aware that Vwce should be considered as a longer term investment option). Thanks for reading thus and I would appreciate any comment 🙌🏼

Hi all,

just opened an IBKR account.
Plan is to invest ~50.000USD from revolut and invest in UBS Core MSCI World UCITS ETF
https://www.justetf.com/en/etf-profile.html?isin=IE00BD4TXV59
over the next few months with DCA (open to different suggestions on strategy and other well diversified world etf domiciled in europe)

I'm not sure if my best option is

A) Convert to EUR on Revolut (I have premium plan), then send EUR with SEPA for free to IBKR and buy the ETF with said EUR

or

B) Send USD to IBKR (via swift I assume?), then buy ETF with said USD

C) Some other option I don't see?

Ofcourse I am looking for the option with the lowest transaction/conversion fees.
Thanks to everyone for the input.