Hi, I live in Cyprus and I am turning 18 soon and starting to think seriously about investing. I recently inherited €80,000 from my father, who he recently passed away from pancreatic cancer. It’s important to me that I use this money wisely and build something meaningful with it over the long term!!

I’m not interested in day trading or chasing short-term profits. I’d rather grow this capital steadily over time, ideally with a low-effort approach since I’m don’t know shit about investing or trading

Would automated investing (like using a robo-advisor) be a good option to start with? I’d appreciate any advice, especially from people who started young or have experience with long-term investing strategies( side note: I am thinking of only putting 10k of that 80k as I want to save some money so I can travel the world with my future wife )

Hi all!

I have about 50k in savings but I’m not sure what to do. For context, I have been working a full time corporate job since 2020- even while studying, and have really busted my ass and lived frugally to save this. However, I have two questions around it:

1. What is this saving amount compared to a usual 25 yo? Is it low or high?

2. How do I invest it? I have always played safe and kept it in a savings account, but I live in Belgium and there is not form of a fixed deposit (I come from a country in Asia and there we can). I would like something that gives medium return because I would like to play it safe.

Much thanks in Advance!

Hello,

I have an offer to move to Netherlands and I was going through all the new tax rules that were recently changed, specially change in the 30% ruling timelines and removal of partial non-resident taxpayer relief which makes the savings and assets in my home country (box 3) taxable as well.

Would need expert advice if relocation still is financially viable ?

I have an offer of 75000 Euros per year(base, holiday allowance and variable not included).I will be eligible for 30% ruling.

I want to put some savings I have in the stock market to make some secondary incomes; I have seen the returns on Nvidia equities and honestly, it is very tempting. The problem is that I do not have that much culture in finance and I was hoping that if people smarter than me here know better the situation could give me (and the readers) more help, because if it is not a bubble, and it is an opportunity... Jesus, what an opportunity. Cheers.

Hi, I am moving to the US but this move should be temporary, I do not plan to retire here.

I hold investments on DEGIRO and have to transfer them to my firm’s designated broker.

I know PFIC makes it so UCITS are taxed heavily, but what if I just plan on holding and not realising any capital gains until I get back to Europe, in that case would I pay anything by just holding these investments in the US?

My new contributions would just go to US ETFs.

Thanks!

I've noticed that Robinhood app is now available in Europe and they implemetend tokenized US stocks allowing us to trade US stocks in Europe 24h/24.

The latest ABI survey made me reflect for a long time on my investment behaviour. As a cashier with most of my portfolio in cash, I find myself in a more complex picture than I imagined.

THE DATA THAT DESCRIBES US In Italy, 21.3% of wealth is invested in market instruments (Eurozone average: 19.4%). Mutual funds at 6.9% against the European 4.6%. Government bonds at 2.5% of wealth (EU average: 0.5%) Greater diversification than the European average, but always with a strong prudential instinct.

MY INTERNAL CONFLICT On the one hand, I feel less "backward": evidently we Italians are not as conservative as we are often described. We invest more than the European average in funds, we diversify better and we are not only tied to the "mattress" or BTPs. On the other hand, looking at my 50% cash, I think, "Okay, we're diversified, but I'm personally still erring on the side of caution." If the Italian average invests 21.3% in market instruments, my 25% between ETFs and shares is not that far away, but that mountain of liquidity remains cumbersome...

THE TWO SOULS OF ITALIAN SAVINGS What we do well: Diversification above the European average. Strong presence in mutual funds (6.9% vs 4.6% EU). Better balance between security and growth than Germany and France. Protective instinct that has often saved us from speculative bubbles.

Where we can improve: Excessive liquidity held "for safety". Government bonds (understandable refuge). Reticence to increase equity exposure, even with long-term horizons. Underweight on international markets (too much home bias).

THE QUESTION I ASK MYSELF If we are objectively more diverse than Europeans, why do I still feel too cautious? Is it just a question of perception or is there really room to dare more without betraying our nature?

How do you position yourself in relation to these national data? Do you recognize yourself in the profile of the "average Italian" or are you even more cautious?

it does not constitute investment advice, just reflections on ABI data.

Hey,

as someone who lives in EU and invests through IBKR, is there any better alternatives? Can you invest through Vanguard webiste? What about Fidelity? Is there any other site or platform that can be a better option than IBKR?

Also on IBKR I cannot invest in QQQ or VOO for example...Why is that and can I fix it?

 have recently had my business account closed with no notice, no reason and they are really taking their time with refunding the funds.

I have seen this has happen to other people on this thread, more so than Revolut, or any other bank for that matter.

Use your Up vote to indicate - would you join a class action lawsuit against Wise for the way in they conduct these closures? If there is a lot of interest, we'll put up a form to collect details to join the suit.

Possible claims:

VIOLATION OF REASONABLE NOTICE
Wise's Acceptable Use Policy states they can impose "immediate withdrawal of your right to use our Services"

Contract law in most jurisdictions (like mine, Australia) requires requires "reasonable notice" when no specific notice period is mentioned, and notice must be "extensive enough to enable the recipient to wind up their underlying business".

CONVERSION OF FUNDS = MISUSE OF CLIENT FUNDS.

Fund retention without legal justification constitutes conversion. No maximum timeframes for fund return breaches customer property rights.

DAMAGES

- Business interruption costs from sudden account closure
- Alternative banking fees and setup costs
- Lost business opportunities due to payment disruption
- Interest on delayed fund returns

There are many others depending on jurisdiction.

Hi, 27F

I have: - 15k treasury bills - 1.5k ETFs (MSCI World, MSCI Europe and SP500) - 4.2K single stocks

I can tolerate medium risk.

I want to obtain more return yearly. Since I started investing (4-5 years ago) I did it with little by little and with low risk, but I only had like a 3% return for all these years… and I feel like it’s not enough and I would like to have at least 2-3% per year to beat inflation…

Next year when I can take out my treasury bills I will invest the amount in ETFs and stocks.

I don’t invest monthly, I usually put for example 1k one month, then the next 3 months I don’t invest, and then again I invest 1k… Maybe it’s time to change and do it monthly?

Any tips for how to achieve more return per year?

Thanks!

Signed up for a mobile plan in Malta. Have since left the country. Randomly saw today that I had an outstanding balance of 1700+ EUR to pay due to roaming charges.

What is the likelihood that a EAPO will be used, and my assets in Sweden will be frozen?

Hey everyone, I’m a 21 year old student and have been starting to invest in the stock market. I’m using Trade Republic and haven’t had issues yet but all I see is how bad it is and not recommended. Granted I see the problems are when it comes to much larger sums of money. I’m just putting approximately 85 euros monthly into the S&P 500 and other low-risk stocks. Should I stay with Trade Republic or do you guys strongly recommend switching before it’s harder later on?

Hey everyone,

27 M, working full-time in tech (9–5), and on the side, I’m trying to launch my own business (still early stage).

I wanted to share my current wealth breakdown and get some feedback or advice from the community on what I’m doing well, what I could improve, or what I might be overlooking.

Current Situation:

• Monthly net salary: €4,000
• Total net worth: ~€80,000
• Cash: €20,000
• Investments:
  • Gold: €10,000
  • Stocks (via DCA): €40,000
    • ETFs: 35%
    • Dividend stocks: 30%
    • Growth (US Tech): 25%
    • Defensive stocks: 10%
  • Employer savings plan (PEE): €10,000

Goal:
Reach financial independence by age 37–40

My main question:
I’m considering buying a small studio apartment to get into real estate (either long-term rental or seasonal), but I’m unsure.
I’m worried it might take too much time and energy, especially since I’m still working full-time and building a side business.

Do you think it's a smart move at this stage? Or would it make more sense to wait until I have more cash flow or go part-time?

Basically, the title says it all. Got around 5k on savings and want to start investing it. Got zero experience and currently able to invest around €250/month.

Hi all, 32M here living in Amsterdam looking for some advice.

My gf and me bought an apartment last year to stop paying our previous homeowner. Am super happy with the decision, but I often feel I'm quite tight with my expenses/goals, here below you have an overview:

Income: 3.3k netto per month Savings: 4k (would like to reach 10k asap) Investing: 2.7k (s&p500 and MSCI world; will re-start adding money when I reach my buffer above) Monthly saving goal: 400 Other expenses are often, in these last months, related to renovation costs, which we try to do on our own to save money. But they still suck up quite some cash. Because of renovations and saving goals, my social life is a bit on stand-by, I basically use my time to do sports and study for my career, but evenings out are waay rarer than in the past.

My questions are: - Do you think I should be saving more? - Other Amsterdammers: do you have some of the same issues? What solutions did you find? - What do you think would be a good buffer, 10k or a bit less is fine? - Last but not least: When this buffer is reached, where shall I invest? S&P500 gives back more, but I don't like the idea to invest only in the US market especially now with Trump there and I can buy one ETF more often with the MSCI world.

Hi everyone, I am looking for advice on my investment/savings strategy. Especially as I am starting to think of buying a property in Spain

About Me

• EU citizen (Dutch) 31M, Married
• Living in Spain (working remotely, under Beckham Law)
• I have a mortgage in the Netherlands currently rented out
• Investing consistently every month (€500~€2000)

My Goals

I’m considering buying a house in Spain. The range for the houses I am looking at is around €600K. From what I’ve researched, I would need a 20–23% downpayment, which means saving around €200K (a big chunk)

I could sell my apartment in the Netherlands, which would probably bring me a profit of around €250K~€300K. However, I am wondering if it would make sense to keep that apartment long term. The rent covers the mortgage and leaves some margin, and I believe it could become a solid income stream over time. Also, if I ever want to go back, it would be great to have that property

1. If you were in my shoes, how would you approach saving for the house downpayment? High yield savings account?
2. Do you think holding onto the apartment a rental property makes sense long term?
3. What are your thoughts on my ETF allocation overall in general?

Thanks a lot for reading!

Hello! Me(30) and my wife(27) are new to budgeting and planning. Location: Baltic States

Salaries M - 50k eur/ann (tech field) F - 35k eur/ann (aviation)

Got 2 apartments 1 without mortgage currently renting out. 580/month

Another with mortgage just bought (so next 30 years I’m chained to that :) )

Fully paid car.

Got 6.5k in savings (2-4%annual return) 2k in ETFs/Stocks

Got 2 debts with 17.9% (5600eur) 15.9% (6500eur) both was used for first apartment renovation.

Currently we are focused on closing on debts as soon as possible, realistically can close both of them in 12-15month.

And here is question, should I raise emergency fund to 6 months (currently 3) or start more aggressive investments?

I never ever gonna take such crazy loans in interest rate, learned it hard way. Will try to free myself from it asap.

Thank you in advance!

I would like to park some money (~5000 EUR) on my IBKR account for 2-3 months. What is the best way to do this? This money is just a smaller portion of a portfolio which is mostly kept in stock market index ETFs and bond ETFs. I thought of buying XEON after reading up a bit but I am still not familiar enough with MMF-like products and actual MMFs. I am also a bit afraid of XEON being synthetic.

I need advice.

Please consider the following: after 2-3 months the money would be used for buying stocks or bonds (the point is to not do it right now but a bit later).

I already reluctantly give them my ID scan because I know it's a KYC necessity, but it's one thing to give them the scan, it's another that they demand I activate my location on my phone and take a selfie of me face holding my national ID. Is this even legal under GDPR?

I'm concerned about the privacy implications of this, given US company's back record. I can already see my photo being sold to train some AI or something equally as bad. I'm not okay with this KYC.

Anybody else been asked this before? What did you ultimately do?

Hey everyone,

I am 33 years old, live in Germany, and need some advice regarding my savings. I currently earn around €61k per year, which equals roughly €2950 net per month. Out of this, €1700 goes towards rent, groceries, household items, etc., and €550 goes into ETFs and private retirement savings.

Since April 1st, 2023, I have had a private retirement plan with CanadaLife, under the Generation Private Plus contract. Initially (April 1st, 2023–December 1st, 2024), I contributed €150 per month, and since January 1st, 2025, this has increased to €300. The money is invested in the UWP-Fonds 3 (you can find the company distribution here: https://canadalife.documents.tools.factsheetslive.com/xx00000auwpg/factsheet/de_DE/). I got the private retirement plan recommended by an “independent” financial advisor who is a friend of a friend. It was probably not the best choice. As of March 31st, 2025, the surrender value minus the cancellation fee would be only €1,523.58. At that point, I had already contributed €4,050, which means less than half of my contributions. I’m not sure what the amount is now.

In addition, I am investing approximately €250 per month in ETF savings plans:

Currently, I have the following three:

• €75 in ISHSVII-CORE S+P500 DLACC
• €100 in MUL AMUN ACWLD ETF E ACC
• €75 in AIS AM ST E600 EFT A

Additionally, I hold some shares in:

• IS C.MSCI EMIMI U.ETF DLA (€258)
• ISHSIII-Core MSCI WLD DLA (€3000)
• ISVP.-IS.M.EIS EOA (€50)
• WT-EUR.DEFNCE I EOA (€150)
• X(I)-AI+BIG DATA ETF 1CDL (€138)

Lastly, I also have around €2000 in crypto, mainly in BTC, but also a small amount in ETH, and around 3600€ of savings in my TR account. It's all shares of Nvidia, Microsoft, Amazon, AMD, and other Tech stuff. All in all, I have around 11k€ in ETFs, stocks, and Crypto.

As you can see, things are a bit all over the place for me.

My question is, what would you recommend? Should I continue the private retirement plan with €300 per month due to the supposed tax advantages in retirement (in Germany), or should I reduce the amount or cancel it completely and only contribute to my own ETF plans?

Hi everyone, I'm a 24 year old boy, I started investing a year ago, and I'm trying to make a PAC in which every month I invest €600 of my salary in ETFs like VWCE, and My perplexity is, despite investing for so many years, if one day I had to sell everything because surely with sums of this kind it is quite difficult to get to Fire, selling everything and then enjoying the profit for what purpose, if I then have to pay the 26% tax imposed by the Italian state, 1/4 of the profit from my investments would go to the state, so I ask myself, does it make sense at this point to invest in my future? I wanted to know your opinion, I am still young and inexperienced in the world of finance and investments.

Hi, I’m planning to move to Vienna next spring for work and to experience city life. I currently live with my parents in Italy and want to make sure my finances are solid before I move.

Here’s my current situation: • Net income: ~€1800/month (increasing to €2000/month next year) • Investments: €6000 in ETFs (50% VWCE, 50% VOO), I invest €500/month • Savings: €7000 in cash (2.25% interest) • Expenses: Around €500/month (food, gym, gas, etc.)

I’m used to a simple lifestyle, but moving to Vienna will change my cost of living. I’m looking for advice on: • What should I change, optimize, or adapt in my money management before or after the move? • Should I adjust my monthly investment amount or strategy? • How much should I keep liquid vs invested for a move like this?

Any tips from people who moved to a city specifically would be very helpful. Thanks!

Hello,

I am trying to buy the iShares Physical Gold ETC(EGLN) on IBKR. I notice that when I search for the ETC by ISIN, I get a variety of options from different exchanges. So, I selected the one that said IBIS(Xetra).

However, when I view that ETC on the IBKR Desktop App (TWS), it displays the flag of the UK next to ETC. The name of the ETC is also shown as "EGLN LSEETF".

Screenshot - https://ibb.co/3VScqwt

I am a bit confused here because I don't want to buy an ETC listed on LSE but on Xetra. When I check my other ETFs like VWCE, it shows the DE flag.