Hopefully this is the right place to post this: I have been saving for a while now, having currently about 3k Euros. I intend to make a major purchase in the rather distant future but until then I am going to keep saving within my means. My main concern is my savings being eaten away by inflation. What would be the right course of action in order to minimize that? Would opening up a Fidelity account and investing in a wide range of reliable stocks and indexes be the right choice? If yes which ones would you recommend? Please advise. submitted by /u/MYAltAcCcCcount [visit reddit] [comments ..read more

I'm living in Ireland, and resident here for the past two decades. I have EU and US nationalities. I plan to retire by 60 years of age to Italy, and therefore can take out my savings from my Roth IRA account without penalty from the US. Many countries in the EU have a pretty high capital gains tax (33% here in Ireland), but I've noted that Belgium doesn't. Could I transfer my funds over to a Belgian bank? Would I need to be resident in Belgium to do this? I'll collect an Irish state and private pension in Italy, but I was unsure how to partake of my Roth IRA funds. Any advice? submitted by ..read more

Quick question: For those of you with some more experience and time in the market, does a HSA actually provide any real and sustainable opportunity to grow your purchasing power? Or is it just a tool to avoid your emergency fund to lose purchasing power? Thanks submitted by /u/gamepatio [visit reddit] [comments ..read more

I am a non-EU citizen and I have completed my Masters in Germany. I have currently German student visa. I have a job offer from Austrian company which is in the border of Germany. ( Bavaria- Austrian border ) Can I continue to reside in Germany and work for Austria or should I completely de register myself from Germany and obtain a fresh residency from Austria ? Another add on question to it is suppose I wish to in future look for jobs in Germany ( considering more opportunities in German market ), 1) how tough would it be to obtain again a visa to enter German market from Austrian visa. 2) h ..read more

I have an account in Romanian currency at a local bank. Can I send Euro by SEPA transfer to Interactive Brokers from that bank account? Or do I need an Euro account at my bank? Has anyone tried to do this with accounts of local European currency? submitted by /u/shaggy98 [visit reddit] [comments ..read more

I know it's a constant question, but it's still a difficult decision to make. I'm 28 years old and I'm starting my first investment of my life. I live in Hungary (Eastern EU) and I have €8,000 and I want a portfolio of 1 ETF. I have a relatively high volatility tolerance and would like to achieve higher returns in the short to medium term. As I have seen VUAA (S&P 500) yields 3-5% higher returns on an annual basis, what do you think? Should I choose the S&P 500 or the All-World VWCE ETF with less risk? submitted by /u/Old-Respond1707 [visit reddit] [comments ..read more

Unemployed migrant without German citizenship, I get money from Jobcentre. Minimal investment experience I Want to do diversification of my financial basket. For example: 70% - Index Funds (S&P 500) 20% - High-Yield Savings 5% Bitcoin 5% - High-risk assets (advise me something) My current assets: 10k - Cash savings 5k -Bitcoin 5k - emergency fund about 100k - real estate in my country Long term investment goal: 1) maintain an average interest rate of at least 4% 2) secure a decent pension. How will I invest? 500€ once a month in Index Fund (Charles Schwab) 15k in German High-Yield Savings ..read more

I will be relocate from Sweden to Germany for work as engineer with my family (total 3 persons) for now the plan is permanently. And I’ve checked that apartment cost is really high in Munich. The job offer I have gives me 6 month trail period with 1 month notice. Say for example I got fired after 6 months or before trial period. What alternative insurance I do have in Germany as EU citizen until I get a new job so I can be able to afford pay my rent and food? The apartment cost is minimum 1500-2000 euro per month and I don’t know how to afford if say for example I got unemployment. Do you get ..read more

Say I have a job which requires me to be physically present in multiple countries Germany, Austria etc for max 3-4 months. Am I supposed to file taxes on each countries income or should I report my earnings to just to my home country ? Just to clarify I get paid from those external countries. submitted by /u/Wide-Flatworm-5324 [visit reddit] [comments ..read more

Say I have a job which requires me to be physically present in multiple countries Germany, Austria etc for max 3-4 months. Am I supposed to file taxes on each countries income or should I report my earnings to just to my home country ? Just to clarify I get paid from those external countries and come from Poland myself submitted by /u/Minimum-Cicada6638 [visit reddit] [comments ..read more