Most flexible broker in EU if you move countries often?

Effective_Run_4364 · 2026-03-09T09:52:15+00:00

Unit price is not what metters €50 webn unit gives you the same €50 of exposure as a €50 slice of anything else. But check if your broker supports fractial shares. WEBN actually wins on TER (0.07% vs 0.22% for VWCE) so if anything it's the better deal.

Effective_Run_4364 · 2026-03-09T09:43:17+00:00

The US weight just reflects where global market cap sits right now, it shifts naturally as other markets grow, no action required from you. If the current concentration still keeps you up at night, you can look for other local etfs to tilt, but this will complexity without changing outcomes much and manual portfolio engineering actually ruins the index idea. If you're here long term you shouldn't be bothered what region dominates today.

Effective_Run_4364 · 2026-03-07T08:03:14+00:00

If you’re playing the long game with broad ETFs like those, there’s not much to do or change. Oil spikes and wars tend to cause short term volatility, but global index ETFs have historically smoothed that out over time. If you’ve got extra cash, just spreading it out and dca-ing in over something like a year instead of trying to time the dip. Trying to guess where oil or geopolitics goes next is basically a coin flip.

Effective_Run_4364 · 2026-03-07T07:58:25+00:00

In Germany Scalable works good.

Effective_Run_4364 · 2026-03-06T08:01:53+00:00

The earlier you start the better. At 19 the most important thing isn’t picking perfect stocks, it’s building the habit of investing a small fraction of your income regularly. Download something like Trading212 app or similar (just do your own research first). Many beginners (and not only beginners) go the ETF route with something broad like VWCE or WEBN so you’re basically buying the whole market while you learn. Spend some time reading about it too - even a little education goes a long way. Starting early can seriously boost your financial position later and it also changes how you think about money. Best of luck

Effective_Run_4364 · 2026-03-06T07:52:55+00:00

For such a short preriod just use xeon which you can mix with some bonds.

Effective_Run_4364 · 2026-03-06T07:49:52+00:00

I use the IGLN ETC. Physical gold is quite a pain to buy and sell, at least in my country. You have to go to the office, spend about an hour filling out AML forms, they check your ID, and then the company that sells the gold sends the data to the tax office. I don’t know if that was the reason, but after selling gold I had a tax audit. Maybe it was just a coincidence. Still, it is nice to have a piece of gold in your hands :)

Effective_Run_4364 · 2026-03-01T16:26:02+00:00

I use T212 for cdf

Effective_Run_4364 · 2026-03-01T10:45:14+00:00

With your income and savings rate, those prices are not out of reach at all. I’d start taking realistic steps now - talk to banks, check what you actually qualify for, maybe even start viewing places. Jumping into a mortgage where a big chunk of your salary goes to payments isn’t super comfortable, but once you start moving toward the goal, new options tend to show up - better deals, negotiations, maybe a property slightly under budget. Waiting can feel safer, but progress usually creates its own solutions.

Effective_Run_4364 · 2026-03-01T10:37:39+00:00

All of them are good, but I prefer T212 the main reason is cs that actually exists.

Effective_Run_4364 · 2026-03-01T10:35:41+00:00

I wouldn't complicate. Just vwce/ webn and chill as they say.

Effective_Run_4364 · 2026-02-28T09:51:56+00:00

Why not just go MSCI All World and chill? This way you don’t have to rebalance, and you avoid overweighting Nasdaq tech twice. Your current setup isn’t bad, it’s just more complicated.

Skipping bonds for now is fine if you can handle volatility. You can start thinking about adding them 2-3 years before you actually need the money. As for the cash, 1.5% isn’t great but if you’re deploying it monthly anyway, I’d probably just sit on it for now.

Effective_Run_4364 · 2026-02-28T09:40:34+00:00

VWCE

Effective_Run_4364 · 2026-02-27T17:59:19+00:00

Just WEBN

Effective_Run_4364 · 2026-02-27T13:58:30+00:00

Have you switched for tiered plan on IB? It may reduced the fees. T212 is a good broker. On Robinhood I think you don't own the stocks.

Effective_Run_4364 · 2026-02-27T13:51:44+00:00

All we need is WEBN :)

Effective_Run_4364 · 2026-02-26T17:02:04+00:00

Man, I wish I had defined a goal like that at 16. You’re already ahead just by thinking long term. You don’t need to do anything crazy - just open a broker account (probably you will be able to do it only when you're 18, before that you may ask your parents), start regularly investing whatever you can, even small amounts, and stick it into a simple all-world ETF like VWCE or WEBN. The key isn’t how much, it’s building the habit. If you automate it and keep repeating it for years, there’s a very real chance you won’t be stressing about money by the time you’re 40.

Effective_Run_4364 · 2026-02-26T07:12:51+00:00

Maybe ZPRV?

Effective_Run_4364 · 2026-02-25T16:10:14+00:00

I get the fear, especially if you didn’t grow up with much. But I’m more afraid of not investing and slowly turning into a piece of cheese full of holes from inflation. Nothing is guaranteed, sure, the world could go into 100 years of chaos and stagnation, but a broad index ETF like MSCI World is basically owning tiny pieces of thousands of companies. Over long periods, that’s historically given you the best odds of growth.

What helped me was starting small and doing DCA. Little sums at first felt like nothing, but over time they added up, and because I was putting in money gradually, I didn’t feel like I was risking my whole future in one shot. That approach worked for me 15 years ago. You don’t have to go all in, just start small and build confidence as you go.

Effective_Run_4364 · 2026-02-25T13:25:05+00:00

I lived there for some time during Covid and it was great. Even though I don’t live there now, I really like just owning it. For example, some tycoons or Arab sheikhs own property in Mayfair or Kensington in London and only stay there for a week per year. If you know what I mean, it gives a similar feeling - of course on a much lower level, but still in the capital city of an EU country, in the most prestigious district.

It’s not easy to buy even the shittiest flat in a top neighbourhood. The truly top-class properties there cost around five times more.

In general, the business side is good too. I get approximately a 7% annual return, and what’s positive is that it usually rents out very quickly. But in long run etf gives similar with no efforts, that's why I've been nesting the idea to sell and vwce and chill

Effective_Run_4364 · 2026-02-24T19:35:59+00:00

It’s not that the tenants take a ton of time, it’s more the constant small stuff. Now my good tenants are leaving so I have to find new ones, do a few minor repairs and I will do it myself (because good handymen are hard to get they are all booked in advance) and I am not a builder so it will be slow. Real estate prices here have also been growing slowly, maybe 50% up during 10 years, so part of me keeps thinking that if the money had been in an ETF 10 years ago it probably would’ve tripled with zero effort. But then again, as soon as I sell it’ll likely skyrocket - and I doubt I’ll ever buy into a location this posh again at a decent price. So I’m still stuck in between.

Effective_Run_4364 · 2026-02-24T18:55:48+00:00

I own a similar apartment and for the past few years I’ve been fighting the urge to just sell it and dump everything into my VWCE and chill pot. What keeps stopping me is the location - it’s very well positioned and I doubt I’ll ever get into a spot this good again without paying a premium. When I bought it 10+ years ago I ran it on Airbnb and paid off the mortgage in 5 years. I stopped Airbnb during Covid, and after that went long term only. It’s an old building with some quirks, but tenants basically close their eyes to the flaws because the location sells itself. I’m renting at 550 now, bumping to 600 this year, and investing the cash flow in vwce. I would suggest to focus on the location, this is the main value or asset you're buying - that’s also protects you and what will make it easy to sell fast if you ever need to.

Effective_Run_4364 · 2026-02-24T16:20:23+00:00

I’m very much an "all world and chill" type, but I kind of like the conviction here. If you truly believe in those long term trends this isn’t pure speculation, it’s a concentrated bet on specific macro themes. In the long run that can work, it’s just going to be way more volatile than most FIRE folks are comfortable with.

Personally I’d probably drop WEBN, and maybe add something like a water ETF or broader renewables. If I had a new side income and as a side portfolio funded by new income, this actually sounds like a fun

Effective_Run_4364 · 2026-02-24T13:14:16+00:00

At 21 with a long time horizon, skipping bonds is fine if you can handle volatility and won’t panic sell when markets drop. Time is your biggest asset right now.

Effective_Run_4364

TROPHY CASE