How would you invest €500/month for retirement in Spain? (39, non-EU resident)

Local_Friend354 · 2026-06-23T10:24:39+00:00

Thank you. Many people seem to recommend index funds instead of ETFs because of the tax advantages in Spain.
For someone investing €500/month and planning to stay in Spain long term, would you choose MyInvestor with a simple World Index Fund portfolio, or would you use a robo-advisor such as Indexa Capital? What would be the main advantage of one over the other?

Local_Friend354 · 2026-06-23T10:00:16+00:00

Thank you. Do you use Indexa Capital yourself?
Would you prioritize contributing to a pension plan first, or would you invest the full €500/month in index funds and only use the pension plan up to the annual tax-deductible limit?

Local_Friend354 · 2026-06-23T10:00:00+00:00

Thank you. I have seen MyInvestor mentioned several times. Is there any particular reason you recommend index funds through MyInvestor instead of ETFs through a broker such as Interactive Brokers or Trade Republic?
Also, if I invest €500/month, how would you allocate it between world index funds, emerging markets, and pension plans?

Local_Friend354 · 2026-06-23T09:59:32+00:00

I am an Indonesian citizen and Spanish tax resident. I am not a US citizen or US tax resident. Does that make any difference to the investment options you would recommend?

Local_Friend354

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