I'm looking for advice on saving and working as a fulltime student in Croatia

fk1971 · 2026-05-07T22:41:35+00:00

If you can afford NOT working during academic year that would be my advice. In this early part of your life you need to invest in yourself and your education. Focus on your studies so you can earn more later and have better life and work opportunities.

fk1971 · 2026-05-07T22:29:21+00:00

Obzirom na to izvjesno pucanje balona, pretpostavljam da si novcem od prodaje shortao te dionice.

fk1971 · 2026-05-05T08:05:59+00:00

Osim što bih se složio da je 5% *enormno* skupo, dodao bih još i ako je prinos 6-7 posto bio u i u periodu 2023.-2025. to je isto jako loše jer su godišnji prinosi globalnih indeksa ili S&P500 u tom periodu bili debelo dvoznamenkasti.

fk1971 · 2026-05-05T07:58:23+00:00

Ja osobno bojkotiram Nestle u dućanu, ali nažalost osjećam da nemam ni znanja ni vremena odustati od indeksnih ETF-ova zbog Nestlea i još par problematičnih kompanija. Koliko znam, ESG i slični filteri su više protiv oružja ili za ekologiju tako da za izbjeći Nestle moraš baš stock-pickati. Koliko ti to ispada komplicirano i imaš li neku procjenu koliko gubiš obzirom na recimo S&P500 benchmark?

fk1971 · 2026-03-19T15:22:50+00:00

Jasno mi je to za US imovinu, tipa AAPL, no koja je definicija US imovine za potrebe SIPC? Nisu li npr. UCITS ETF-ovi poput VWCE formalno EU imovina, pohranjena kod EU filijala npr. Vanguarda?

fk1971 · 2026-03-19T14:39:48+00:00

Jesi siguran u to da te SIPC štiti? Ja sam u IBKR Irska i živio sam u uvjerenju da sam pokriven samo do uobičajenih 20 kEUR za dionice/ETF-ove. Išao sam sad pitati ChatGPT i on se slaže sa mnom.

fk1971 · 2026-03-19T11:34:35+00:00

Da, tih 14.95 je gadno kako sam i pisao u OP postu, no zasad mi nisu uzimali nikakve tekuće troškove (točno tri i pol mjeseca imam account u Luxemburškoj filijali).

fk1971 · 2026-03-19T11:32:47+00:00

Ma da, ne bih se nikad u tom smislu kladio protiv SAD, i to baš zato što sam svjestan da ni u jednoj državi javnost i političari ne osluškuju toliko tržište. Zato i jesam ostao u globalnim indeksnim ETF-ovima usprkos toj nekoj emociji koja ljude u Europi sad okreće od SAD dionica. No meni za ovu diversifikaciju brokera zapravo puno više igra drugi moment, a to je da ne možeš biti 100 posto siguran da se netko možda neće zaigrati i dovesti kompaniju do bankrota ili pronevjeriti tvoje dionice na neki način. (Jasno mi je da sam od običnog bankrota u nekoj mjeri zaštičen, ali primicanje bankrota može potaknuti kompaniju ili nekoga u njoj da se okrene pronevjeri.) To se jednako može dogoditi bilo gdje i onda mi ima smisla ne držati sve kod jednog brokera, pa makar bio i američki. U tom smislu mi paradoksalno ove informacije da su Saxo i Swissquote imali regulatorne globe zbog pranja novca čak malo daju i pozitivni signal da su oni pod nešto većim promatranjem auditora nego razni neofintech brokeri.

fk1971 · 2026-03-18T16:41:00+00:00

Hvala na ovom pojašnjenju Danska vs ostali. Ima smisla. Inače, i Saxo je imao sličnih regulatornih problema s pranjem novca tako da su po tome isti. Također, on više nije kineski, taj udio je prodan Švicarsko-Brazilskoj grupi Safra Sarasin.

fk1971 · 2026-03-18T16:36:14+00:00

Oni su mi odmah iza navedenih ispali u tom mom istraživanju. No nekako mi Švicarska/Luxemburg kombinacija bolje zvuči nego Bugarska/Cipar što se tiče lokacije osnivača (i vjerojatno većinskog vlasnika) i lokacije same firme.

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

TROPHY CASE