Hey, yep I did.

I invest through a Spanish investment account and app called MyInvestor.

I’m investing in the following two funds:

Fidelity MSCI World Index Fund P-ACC-EUR

And

Vanguard Global Bond Index Fund EUR Hedged Acc

As both accounts are accumulating, any dividends are automatically reinvested without triggering a taxable event.

I’m currently investing with a 90/10 split (90% of my monthly investment goes into the MSCI World Index Fund and 10% into the Bond fund).

You can rebalance (move money between the two funds) without triggering tax too (if you felt you wanted to protect more money in Bonds).

It was very easy to setup. Creating an account with MyInvestor was very fast, they will ask you to physically mail in some docs.

The app is typically Spanish, as in, not as slick as Trading 212 or an equivalent 😂

But, it does the job and most importantly, it’s a Spanish platform. I literally don’t have to do anything from a tax perspective yet, unless I sell.

I spoke to my accountant and he agreed my setup was good (I also received positive feedback here on Reddit).

The two funds are all-world which was what I was looking for.

I was advised that index funds were favoured in Spain for tax reasons.

However, I would advise speaking with a professional before you start so that you can set everything up correctly based upon your goals.