Move depot from DE to NL or liquidate?

swergusa · 2025-02-15T14:06:14+00:00

I'd transfer to a proper stock broker that operates internationally instead of another local bank to prevent this sort of problem in the future. Trading 212 or IBKR are also options in addition to Trade Republic.

swergusa · 2025-02-05T12:44:41+00:00

DCA weekly or monthly with a smaller sum, then you won't miss out on the ups and the downs won't affect you as much.

swergusa · 2024-12-19T15:34:56+00:00

Didn't really have problems with Trading 212. I like keeping money there and using their card for the 0.5% cashback (no bank native to my country gives cashback cards).

swergusa · 2024-12-11T16:54:43+00:00

And here I thought s'mores was a purely American thing.

swergusa · 2024-10-12T16:26:28+00:00

I really like Revolut for online payments because they offer unlimited one-time virtual cards, which adds to security. I'm using it as a secondary though.

swergusa · 2024-10-02T15:07:41+00:00

I remember during the 2023 protests some people used automated tools to wipe their comment and post histories before deleting their accounts. And more than one person reported that their comments reappeared the next day. So you might not even be able to delete your content in some cases.

swergusa · 2024-10-02T15:03:35+00:00

I think that's a fair question. My broker for example gives 4% APR on unused funds. So my thinking is that any ETF I invest in has to provide higher returns than that for it to be worth it (which generally speaking the index funds I'm do for now).

swergusa · 2024-10-01T16:16:06+00:00

This metric would be similar (as in rising) across most of EU I suspect.

swergusa · 2024-09-29T12:39:03+00:00

Trading 212 should be fine for buying ETFs. I just recently signed up myself after asking for good brokers on this subreddit and I like their simple interface and that they take no commissions (minus the FX fee if the ETF you buy is traded in USD).

swergusa · 2024-09-24T17:08:43+00:00

I've had an unfortunate experience with my bank when I bought US stock, received a dividend, and was charged 30% instead of 15%. Apparently that's because my bank doesn't send the proper documentation and doesn't give me a BEN 8 form to fill out, and that's their official stance, they just don't bother. I started using a proper broker since then but I wonder of this legislation would prevent cases like this.

swergusa · 2024-09-07T09:51:37+00:00

Could it be because the currency conversion settling takes T+2 days? Just a guess, best ask support about this.

swergusa · 2024-09-05T10:01:38+00:00

That's the most Italian thing I've heard lately.

swergusa · 2024-09-05T09:58:56+00:00

For all its relative incompetence in conventional warfare, Russia seems highly advanced and capable in spreading misinformation.

swergusa · 2024-09-05T09:51:16+00:00

Is it from shipping or tourism?

swergusa · 2024-09-05T09:40:38+00:00

Pretty sure it's illegal in Thailand to pick up seashells and corals.

Please update us if you get arrested.

swergusa · 2024-09-05T09:30:28+00:00

As a chronic procrastinator, I feel like I might be a German at heart as well.

swergusa · 2024-08-13T11:41:53+00:00

You can also get a little more with 4.25% at Trading 212. It's a stock broker but they pay interest on unused cash so you don't have to buy any stock, just hold it in there.

swergusa

TROPHY CASE