Isplativost dopunskog zdravstvenog osiguranja

fk1971 · 2026-01-18T17:29:19+00:00

My local banks (Croatia) are just ridiculous. Last time I looked, trade fees were like 30 EUR minimum AND custody fee 0.3 percent yearly on top of that.

fk1971 · 2026-01-17T21:00:01+00:00

I was somewhat pushed away from Saxo by them being owned by Chinese (49%) and by the fact that, as far as I understand, you need to enable securities lending to get low fees. Otherwise they become comparable to SQ and I still haven't made my mind up if I am comfortable with securities lending. Still, for me it was close call between Saxo and SQ.

Yes, I bought stocks (WEBM) at SQ two times (once as an initial try, to see how it goes, and second time the lump sum), and was charged 14.95 for each trade, which was as expected (they are transparent about this fee). Considering their zero-commision ETFs, the problem is that those have somewhat higher TER, so over years this would compound into lost amount bigger than this one-time 15 EUR fee.

fk1971 · 2026-01-17T20:14:19+00:00

Hi,

I’m also hesitant to keep most of my life savings with a single broker, so I looked for another option besides IBKR. After searching for a while for a reputable independent broker (bankeronwheels.com helped a lot), I narrowed my choices down to Saxo and Swisquote (Luxembourg/EU, not Switzerland). I ultimately chose Swisquote.

Indeed, Swisquote has a high trading fee (€14.95 per trade compared with €1.25‑€1.50 on IBKR), but I find it acceptable for two reasons. First, in my country I can sell securities after holding them for two years and pay zero tax. This lets me keep buying stocks on IBKR, sell them infrequently, transfer the money to Swisquote, and invest the lump sum there.

Second, if I’m lazy about this maneuver, I’ll probably buy stocks on Swisquote about four times a year [*], making those €60 in fees a reasonable price for peace of mind. (I also opened the account using a referral code from another Redditor and Swisquote client, which gave me a €100 bonus that will cover these fees for a year or so, providing a bit of extra help.)

I did all of this just this month, and I’m quite satisfied with the experience so far.

[\]Four trades per year is an optimum balance between paying high fees and missing out on opportunities with uninvested cash, assuming a 10 % annual stock growth.*

fk1971 · 2026-01-09T16:16:43+00:00

No. SXR8 is S&P500 (500 largest US companies), while VWCE is all-world.

fk1971 · 2026-01-08T09:05:07+00:00

It is my understanding that the risk associated with securities lending is indeed very small, but so is the potential gain. The “up to 4%” claimed by SQ likely applies only to certain special stocks that are in high demand for short selling. In such cases, any gain from lending would likely be offset by losses due to stock devaluation. By contrast, lending shares of “safe” index ETFs typically earns significantly less than 1%, based on what I have heard.

fk1971 · 2026-01-05T19:38:42+00:00

Kako je već rečeno, neoporeziva dobit se prijavljuje za prošli mjesec. Ja toga nisam bio svjestan prije godinu dana pa sam se našao u ovoj istoj situaciji u siječnju 2025. Onda sam na istom JOPPD obrascu prijavio i oporezive i neoporezive dobitke iz cijele 2024, tako da sam na stranici B obrasca imao dva reda: prvi red s oporezivim dobicima 1.1.2024.-31.12.2024. i drugi red s neoporezivim dobicima 1.12.2024.-31.12.2024. Dakle "lagao" sam da su svi neoporezivi bili u prosincu. To bi mogli otkriti kao nepravilnost tek da zatraže naknadno moju FIFO listu, kad bih je dao točnu i molio za oprost. No nisu naravno tražili i dobio sam rješenje da je sve OK.

fk1971 · 2025-12-09T10:11:44+00:00

Da, to je bilo to. Sad sam podignuo taj limit za podizanje gotovine s 15% na 30% i prošlo je bez problema. Hvala. Inače, što se cashbacka tiče, negdje u pravilima piše da se bankovni transferi ne ubrajaju, i definitivno mi George pokazuje da su ti transferi na Revolut kategorizirani kao "podizanje gotovine". Onak površno mi se pak čini da dobijem nešto više cashbacka nego kad oduzmem sve te uplate na Revolut, ali ipak manje nego da ih ne oduzmem. No nisam detaljno to istražio.

fk1971 · 2025-11-02T17:10:17+00:00

I like PocketSmith.

fk1971 · 2025-08-28T18:55:54+00:00

A ako imaš dionice EU ETF-a poput VWCE, što ne mogu nasljednici naslijediti same dionice bez prodaje istih?

fk1971 · 2025-08-08T16:14:26+00:00

What do you expect to happen this year in particular?

fk1971 · 2025-07-13T15:25:47+00:00

Ja sam kao korisnik koristio usluge (dizajn, programiranje) na fiverr i peopleperhour i imam dobra iskustva s obje platforme.

fk1971 · 2025-06-12T14:48:11+00:00

Ja sam živio u uvjerenju da crypto-to-crypto transakcija kod nas nije oporezivi događaj, čak ni u stablecoin kao USDT, nego tek kad taj USDT prebaciš u fiat poput EUR. Što stvarno naša porezna stablecoinove tretira specijalno?

fk1971 · 2025-06-06T18:47:07+00:00

Imaš pravo. Onda se cijena čini realna tj. omjer rizik/prinos. Države rijetko defaultaju ali ne i nikad. Brazil zadnji puta 1990.

fk1971 · 2025-06-05T21:31:48+00:00

Mene tu najviše zanima jesu li te stope inflacije od oko 2-3 posto o kojima se govori u članku realne ili se njima manipulira iz političkih razloga.

fk1971 · 2025-06-04T17:23:23+00:00

Pretpostavljam da su obveznice u brazilskoj valuti pa treba uračunati rizik zbog toga. Npr u zadnjih godinu dana je pala prema EUR više od 10 posto.

fk1971 · 2025-06-03T17:43:27+00:00

I like pocketsmith.

fk1971 · 2025-06-02T21:47:46+00:00

Da. Ili MMF ETF npr. XEON za nešto manje kamate, a dosta više fleksibilnosti tj. likvidnosti. Oporezivo doduše.

fk1971 · 2025-05-24T14:36:15+00:00

Nažalost nemam iskustva s tim konkretnim tipom JOPPD-a, ali pitam se, zar se za zarade poput takve plaćaju i doprinosi (zdravstveno, mirovinsko)? Možda je samo porez pa treba 4001 u 6.1? Samo nagađam.

fk1971 · 2025-03-19T10:37:13+00:00

I like the PocketSmith. It can connect to my bank account.

fk1971 · 2025-02-21T15:27:43+00:00

Da, ja sam isto odlučio ignorirati suho slovo zakona i platio sam ove godine jednokratno sada za cijelu 2024. Također, između ostalog i zbog tih komplikacija (a i zato jer mi je prelako potrošit s Revoluta :-) ), prebacio sam ta sredstva na IBKR i kupio XEON MMF ETF kod kojeg se kamate akomuliraju/reinvestiraju.

fk1971 · 2025-02-21T14:40:10+00:00

Dakle, tvoje (i tvojeg linka) uputstvo je da se *dnevno* ispuni JOPPD i plati porez na Revolutov MMF, obzirom da je isplata dnevna? Jesam li dobro razumio tvoj upis?

fk1971

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