Відео

Now they pay 4% on cash. They are not doing good if they need to pay that much 🤔🤔

What's often forgotten is that expenses are also much higher in the US compared to Europe. In many places in the EU you can get by as a single with € 2000 a month, which is unthinkable in most of the US.

Hello from Ireland. You forgot to mention that they also take your first born along with the 41%

Hi Angelo, well done with the videos and keep the good work going 😊 I register my IBKR account manage to deposit the first time 400$ and bought VWCE.. Now after another month I would like to purchase again share in VWCE but it tells me that I need to have at least 2000€.. There must be a glitch or why is asking me this ? Anyone had this similar issues ?

Belgium @3:20 no capital gain tax but minor purchase and selling tax (~1%) Dividend from etf will be taxed so take accumulating etf

This administration has no idea how people are suffering, things are getting so much harder we can't take it no more. A lot of people are financially struggling to put food on the table and a roof over their head, I appreciate your advice Walter James Henry. Imagine I invested $2,000 and got $10,600.

Where is the dip?

one of the best videos on personal finance advice i have seen and there is SO much garbage out there. Grazie Angelo!

Great video, thanks!

Thanks very much Angelo 👍👍👍👍.

Thank you so much for your channel!

What do you think about iShares VII plc - iShares Core S&P 500 UCITS ETF USD (Acc) ISIN: IE00B5BMR087 Is it a good idea to invest in this ETF from your point of view?

Strange, it's not mentioned here, but stated on the main page of Trade Republic - you have to have a permanent residence and tax liability in Germany to be able to open an account at Trade Republic

Low Tax List Summary - Greece: No CG Tax on UCITS - Bulgaria: No CG tax on UCITS (European brokers only); 5% tax on div - Cyprus: No CG tax in general; 17% on div for residents - Slovakia: 19% CG tax if sold in less than 1 year; 0% CG tax if sold after 1 year; 7% on div - Croatia: 12% both on CG and div but only if sold in less then 2 years - Czech Republic: 15% on CG only if sold in less then 3 years - Hungary: 15% on CG and div; TBSZ accounts (long term investment) 10% after 3 years and 0% after 5 years - Belgium: No CG Tax; 30% on div; beware of TOB tax on buy and sell transactions (three rates: 0,12%, 0,35%, 1,32% depends on the ETF); 0,15% wealthy tax on over €1M investments - Slovenia: CG Tax <5y 25%; 5-10y 20%; 10-15y 15%; >15y 0%

Angelo your videos are so informative, light and clear in the message. Keep it up! Sending you all the best. This specific video is so far the best of it’s kind. I just hope the EU deepens integration soon to end this madness of differences in regulations and tax systems once and for all hahah

Can you recommend any reliable brokers in Finland?

European here, Dutch. 46 years old, ready to retire early by the end of the year. No crypto YOLOs, just "regular" investments. So it's definitely possible. Americans might find it easier to accumulate a large nest egg, but they have to build in such an insane buffer for healthcare costs I think I prefer Europe in this regard. Less unknowns, so easier to plan.

Thank you, quite informative!

Amazing tips. I am a beginner in ETF investing and this video is like golden advice 🙂

How does tax work with the saveback?

The interest rate is 4% YEARLY, so the monthly compounding takes into consideration that one's month interest will itself return interest the next months. You're not receiving 4%/12 interest each month but a little less!! (such that after one year the total return is 4%)

Hi Angelo! Amazing information as always. Have you had a chance to explore Revolut as an investment platform? Any thoughts on it?

@angelo Most of the brokers protect money from investments up to 20k(trade republic, IB etc) How do split your ETF investments since they are above 100K mark?

Hi Angelo, I’m currently buying bitcoin as a small section of my weekly investments on TR. With TR as you know, you can’t receive or move crypto. Do you see a potential problem with that, rather than using an exchange an storing my bitcoin in a hard wallet? Im buying bitcoin from an investment standpoint, not really to use it as a currency (like almost anyone I guess). Also I’d like to know if possible what makes you invest in etherum as well rather than just bitcoin. To me, its centralised nature makes it riskier and less desirable, but Im curious to hear your opinion :)

Hi, great stuff. I wanted to download the Excel file you showed in the video (22 countries), but it doesn't seem to be available in the description. I think you have inadvertently put (repeated) a broker's link there instead. Look forward to the Excel link (22 countries).

TLDR: if you're poor, you're fucked, stop dreaming.

Thank you for sharing your experience! I´m just starting on my journey now and your experience reassured my on my current path.

Hi Angelo! If I have to chose one broker between Scalable and Trade Republic, which one would you choose? I’m from Italy Thank you in advance!

Thank you for this video. I have been looking broker to trade US stocks as IBKR keep rejecting my application probably due to my nationality although I am legally living and working in EU for more than 5 years

Thanx for the video. We are chasing FIRE and consider to move to Austria. Is there a video about tax structure in Austria?

Hi Angelo, i am looking for your advice on this one. I have started investing last year and before I found your channel and your suggestion on the ftse all world I already put money into the msci and SP500. Currently 40% of my portfolio is in the ftse 40% in the msci and 20% in the SP500. Now I wonder if it is better to switch all of it to the ftse or just keep the SP and MSCI and just focus on the ftse from now on. So should I keep all and from now on only invest in the ftse? Or sell the msci and sp and put that in the ftse ( here I am afraid of taxes and the higher buy in point) ? Best regards form Germany

Unfortunately, I can not say anything positive anymore about Trade republic. After they replaced an invoice and prevented me to log in on time, so I can sell my position and reinvest the amount on time, i can not recommend this broker at all. The operational risk (employees or technical) with this broker is too high. Unfortunately, i can not be certain, that with this broker your money won`t be at risk, because you have for example experienced mobbying by some of your previous employers, who happens to have contacts by Trade Republic. I have to be blind to not see the connection.

Hi Angelo! Thanks for all the great content you are sharing with us! I currently use Degiro and would like to switch to IBKR. What is the best approach for my position in DEGIRO in your option - transfer them to IBKR, sell them, or just leave them in DEGIRO and continue investing in IBKR?

It is more about what you do, than where you live. A lot of people in the US can not retire early, and they can't even retire when they reach their retirement age, because they have no money. Early retirement is about setting yourself up for an early retirement. That can be done in the US, and that can be done in Europe (or anywhere else for that sake).

I grew up in Austria and retired with 30 in SEA, if it doesn’t work out at one point I could just come back and live on the way too high social benefits in Austria 😂

My personal Investment strategy is 80 % VWRL and 20% Emerging Markets bond. it works amazing for me.

(Very) early retirement is not possible if you have children. That’s the most significant cost factor and limits your earning potential. Plus, you’re vulnerable to divorce.

Hi Angleo, I live in Portugal and I have an account in IBRk and I'm going to move to another country because of my job Is hard to change the country in the broker or is better to create a new one?

Early retirement is feasible if you follow these three mantras: a) Work above and beyond in your chosen field. b) Defer all your "toys" for after retirement c) Manage your own savings in order to obtain better returns than the average wealth manager. I've never had a girlfriend, never had a house, never had a car, never had expensive personal items (TV, watch, sofa) until I retired at 37. I've managed my savings ever since I was 16, worked through school, and despite making 500k-2mil a year between 2007 and 2017 (the year I retired) I've never went eating out if it wasn't on corporate business. Returns for my investments compounded to 23% a year, something a wealth manager would never guarantee (I went for BB and B+ sovereign debt countries) and upon retirement became a consultant charging 2-3K an hour in my field of expertise. Tesla was instrumental in me having my current lifestyle, with shares ballooning in 2019 ( shares exploded at a time I had over 70% of my net worth in Tesla stock). After that I became a Monaco resident and stopped do consulting work last year. I always worked in countries with no work or income tax (Saudi Arabia, Abu Dhabi, Luxembourg) in order to have the maximum available money to invest. So, its possible, but it takes a lot of discipline (I never married, I don't have kids, and only bought my first house in 2021, aged 42)

Angelo can I ask if I want the card and I live in UK I'm I allowed I go to EU a few times a year and spend money

Which broker do you suggest for italian residents? I recently opened an account with IBKR. But italian locals prefer FINECO and DIRETTA.

Does anyone has experience in having a custodial account to invest in ETFs for their children? I would love some guidance here on what are the best options in Europe.

I would also add Emerging Market to my folio.

you can live comfortably on 1800 - 2000 euros in most of europe.. and many people have take home pays of over 3000 euros.. if you invest 1000-1200 a month you can absolutely retire early no problem

Socialism is killing Europe. Is time to move somewhere else to find a better life

I dont agree with the graphic. I live in Poland and after about 4-5 years of hard work I am about 4-5 years away from early retirement. It’s possible.

Worst is Ireland. BY FAR.

Great content!

Hi Angelo, amazing content :) I deposited 40k in TR between Feb and now. All good so far, but I am reading awful stories online about people not being returned their funds, or sometimes even credited, and the complete lack of customer care making it even worse. It is quite worrying, I was wondering what is the experience of other users here.