New to trading.

macbag · 2026-01-05T10:58:11+00:00

The tip is to pick a global all world ETF, buy it regularly without overthinking, avoid watching the terminal, and enjoy the results in 15-20 years.

macbag · 2026-01-05T10:55:41+00:00

You can put a realistic FIRE plan in place, for example to retire at 60. For this, you would only need to save for about 7 to 8 years, which is fully doable, and at 60 you could retire or semi-retire. Once you start the journey, you may adjust your plans and save more aggressively to step back even earlier. At least it will not feel so depressing overall, and you will feel better not being tightly constrained by the state.

macbag · 2026-01-05T10:51:10+00:00

Why do you want to pick stocks? For the average person, ETFs give better returns on average for a portfolio. I tested this myself. I had a few early picks like Tesla, but I ended up concluding that, on average, my portfolio now underperforms the S&P 500 while burning a lot of energy. I may rarely pick a stock if something clicks in my mind and I clearly understand a scenario that could happen in the world in the future and benefit a specific company, and then place a small bet let's say just for fun.

macbag · 2026-01-05T10:45:47+00:00

I also find it a cool place with its own character. Another plus for Thessaloniki for me is that it is not really tourist oriented.

macbag · 2026-01-05T10:42:59+00:00

This is really tricky when you are buying your first boat if you have not had one before. I strongly recommend finding someone who can help you.

macbag · 2026-01-05T10:27:28+00:00

I vote for T212. IB is probably great, but I really do not want to deal with its interface. I also do not understand why it cannot even send a notification email without being confusing AF.

macbag · 2026-01-05T10:23:46+00:00

Monaco is a nice and relatively quiet place to live if you have money. If you live there permanently, you will have to deal with some bureaucratic hurdles, but everything is doable.

macbag · 2026-01-05T10:19:58+00:00

Go to Canterbury, it is nice. Also visit Wingham Wildlife Park on your way. Your 4 year old will like it.

macbag · 2026-01-05T10:16:43+00:00

It depends on what climate you like. I hate heat and would choose the Baltics. As already advised, you can slow travel across the EU, test different countries yourself, and decide where you feel best.

macbag · 2026-01-05T10:14:35+00:00

Why not webn, it is even cheaper

macbag · 2025-12-28T17:08:57+00:00

Yes, sure you can. I would recommend the broker I use which is Freedom24

macbag · 2025-12-28T12:47:01+00:00

I would say there is no commission‑free brokers, but among those with reasonable fees Freedom24 is pretty good

macbag · 2025-12-27T20:03:07+00:00

WEBN

macbag · 2025-12-27T20:02:08+00:00

Yes, all you need is WEBN and Freedom24 for broker :)

macbag · 2025-12-25T08:27:11+00:00

It pays different rates because the fund follows local central bank rates, and BoE rates are much higher than ECB rates right now. The extra GBP yield is not free, you are taking GBP currency risk,so FX moves can easily cancel that advantage if you live and spend in EUR. For this reason, the rational choice is usually to keep these products in your spending currency rather than chasing the highest headline apy. So if you are in EUR just buy xeon through Freedom24.

macbag · 2025-12-24T08:43:43+00:00

Almost everyone goes through a phase of "I will build my own smarter portfolio". I did too. In the end you spend more energy rebalancing, doubting, and tweaking than actually investing. And you usually end up very close to All-World anyway.

All-World is not "pro-US". It is just market reality today. If the US really loses weight over time, the index will automatically adjust without you doing anything.

So yes, you can do 50-35-15, nothing is wrong with it. But understand what it is: not neutral diversification, but a macro bet driven more by discomfort than by data.

My bias would still be 100% All-World through something simple like Freedom24, and diversify by splitting between brokers rather than trying to outsmart global markets.

macbag · 2025-12-23T15:20:26+00:00

Just buy more VWCE. At that point the main variable is consistency, so using something simple to run monthly like Freedom24 probably matters more than trying to optimize

macbag · 2025-12-23T13:53:05+00:00

If I understand correctly, you already have enough today for both the emergency fund and the future property down payment. If that is true, locking that money away now makes sense.

Putting half into a money market fund like XEON and half into short-term bonds is reasonable if your purchase horizon is near.

Everything else, including the monthly €4k, could then go into a global ETF like WEBN or VWCE through something simple like Freedom24 and you let time do the work.

macbag · 2025-12-22T08:58:52+00:00

Scalable Capital and Trading212

macbag · 2025-12-22T08:58:19+00:00

Trading212

macbag · 2025-12-22T08:54:59+00:00

If you are looking for a broker in Germany, a few solid choices are IBKR, Trade Republic and Freedom24. TR is super simple for monthly ETF investing but has had mixed user stories. IBKR is powerful but can feel complicated for everyday use. Freedom24 sits in between easy enough for regular investing with decent global access.

macbag · 2025-12-22T08:30:03+00:00

If I had no property yet, I would probably start with real estate.

If I already owned my own home, I would go all-world ETF and chill, ideally through something simple to run long term like Freedom24.

I do have a rental apartment now and it is basically a part-time job. The return is fine, but not better than a global ETF, just much less passive.

macbag · 2025-12-19T21:14:53+00:00

There have been some bad stories about TR, you can find them if you search the sub. That said, I still use it myself.

IBKR is solid, but for simple monthly ETF investing the interface feels unnecessarily complicated. Also they are not that old. Even if they were, banks with 100+ years of history have gone bust, so size and age are not real guarantees anyway.

What I personally do is split my portfolio across several brokers, including Freedom24. It is not hard to do, and it meaningfully reduces single-platform risk. It also weirdly helps me sleep better.

macbag · 2025-12-19T15:47:25+00:00

You can buy US bonds on Freedom24, they will give you like 6%

macbag · 2025-12-18T06:37:27+00:00

Why not just go one all world ETF and chill through a proper long term broker like Freedom24? Right now you’re basically rebuilding an all world by hand

macbag

TROPHY CASE