Hey there! I’m Angelo, a 34-year-old investor based in Europe, on a mission to achieve financial independence and early retirement. With a portfolio consisting of mostly passive ETFs (stocks) and a bit of peer to peer lending, I've been on this journey for the past 7 years, sharing my story in real numbers.
My goal is to make openly talking about money less of a taboo topic and to motivate more Europeans to start saving & investing, while avoiding common mistakes most people make (I’ve had my fair share myself!). Let's make financial literacy the norm, not the exception. Welcome on board! 🫡
- - - - - - - - - - - - - - - - - - - - - - -
None of what I share on RU-vid should be understood as financial advice or as a recommendation to buy or sell anything. I'm simply sharing my own opinion based on my personal experience.
Please be aware of scammers and impersonators! I have nothing to sell you, therefore I will never reach out to you here, via email or any other social channels.
Appreciate the detailed breakdown! I have a quick question: I have a SafePal wallet with USDT, and I have the seed phrase. (air carpet target dish off jeans toilet sweet piano spoil fruit essay). How should I go about transferring them to Binance?
Hello, Angelo. Thanks for your content. Any chance to review Getquin portfolio tracker? I am quite interested in starting using, but I have some concern about the Automatic Connection function. Cheers!
Hi Angelo, I've recently join the channel and want to thank you for the effort you put into it. The way you cover each topic is very good and professional. I want to ask if you have an excel model related to this video since it will help me understand better? Thanks, Edo
If you are not in the financial market space right now, you are in a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies
The problem we have is because Most people always think that you only need a good job to become rich. These billionaires you see today are good investor of stock, crypto, forex and real estate
If you are not in the financial market space right now, you are in a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market
The problem we have is because Most people always think that you only need a good job to become rich. These billionaires you see today are good investor of stock, crypto, forex and real estate!
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies
If you are not in the financial market space right now, you are in a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market
The problem we have is because Most people always think that you only need a good job to become rich. These billionaires you see today are good investor of stock, crypto, forex and real estate
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies
If you are not in the financial market space right now, you are in a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market
The problem we have is because Most people always think that you only need a good job to become rich. These billionaires you see today are good investor of stock, crypto, forex and real estate
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies
If you are not in the financial market space right now, you are in a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies
The little September dip was a very welcome opportunity to increase my FWRG position, still below 5% allocation. Also I have opened positions in GOOGL and AMZN, two tech giants I'm bullish about. I have a question, maybe something for some future videos 🙂 Are you investing or considering investing in Bond ETFs?
Hi Angelo. Thanks a lot for your videos. I also use a strategy of focusing on one ETF (FWRA for a year now). But also I buy REIT ETF, gold and bonds. Can you share your login behind not buying these stocks? My reason is to lower risks. What’s your take on this? Thanks!
GOOD CONTENT!!! Very engaging right from the beginning These are tough times and frankly I appreciate how you discuss global finances in such a delicate way. Business and investment are the best way to make money even under the nose of the pandemic.
GOOD CONTENT!!! Very engaging right from the beginning These are tough times and frankly I appreciate how you discuss global finances in such a delicate way. Business and investment are the best way to make money even under the nose of the pandemic.
Among the two I would personally still pick VWCE since the index is broader and it includes an extra 5% of small cap stocks as well. But the iShares MSCI ACWI is an excellent 1-ETF solution nonetheless! 👌
Engineering approach to finance subject appreciate the huge research behind. Thanks Angelo. Tax is always a hindrance for retail investor and Turkey is not an exception, please note that the shown 0 % tax is for Turkish stock exchange only and for now ! When it comes to capital gains and dividends abroad it is between 27-40 % .
Trade republic is fine but uses cash for order flow. The price difference is quite high. Moreover, there are some hidden fees behind using the trade republic card. The company is not a philanthropic organization. We pay the services!
Have you seen this video? ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Wq0ygsuPmQE.html They're actually not doing PFOF for investors outside of Germany any more
Hey Angelo your video was very insightful. Can you tell me how or to research the eft taxes like you did on OKB? Do you know where I can find the tax reports for ETFs here in Germany?
That happens, it's not going to make much of a difference long-term. Chances are, you'll be very glad you started already when looking back in a few years :)
Hey, first of all thanks for your nice content. I've been saving money throughout the years and your channel gave me enough info and motivation to start investing, and to do more research too. Now I am a believer of FWIA/ Invesco FTSE Acc ETF. I still have the bad habit of constantly cheking my Flatex acc even knowing it's a long term investment so hopefully I learn to keep my hand away from their app (newb detected). Therefore thanks for the content, I owe you a beer whenever you create a meetup in Vienna. Speaking of Vienna, I noticed other Austrian-based viewers here. I suggest creating more content for us. For example: how do you deal with the yearly mandatory Austrian tax collection for Acc ETFS? I believe Flatex would charge us around June for the FWIA ETF (source "my oekb at/kapitalmarkt-services/kms-output/fonds-info/sd/af/f?isin=IE000716YHJ7&stmId=524057"). How do you manage this? Do you keep 0 EUR in your Cashkonto all year (so you can invest the remaining), but then add some money in June? If so, how do you know beforehand the amount to add to Flatex before they charge you?
I've invested £5000 in these three ETFs together. (VUAG, VWRP and VGOV) I would like to know how much I should invest in each of them per month. Very grateful
Hi Angelo, great vid as always. How do you feel about some comments on how the increasing passive investment may have a negative impact on the stock market?
Thank you! I don't consider passive index investing to be an issue, most of the time anyone complaining about it is simply trying to sell you an active strategy/fund instead
September down, October maybe too. Big rally in November. That's for the broader markets. My2Cents. My portfolio, full of rate-sensitive stocks, is likely to behave differently.
Wondering what you make of gold and silver, they seem to be doing well at the moment. I know you mentioned before that you don't like thematic ETFs but maybe adding gold to your portfolio can diversify it a little bit more? Also, when it comes to the Vanguard All World ETF in Trade Republic, please can you tell me how we can see how much dividends were paid by companies making up the ETF since it is accumulating and not distributing?
Thanks for the nice informative video. Nice to hear others points’ of view. Question, have you ever been charged a “speciality Fee” when buying ETF through IBKR using the tier model?
Thanks for your videos, love them! Is the Trade Republic savings account actually secured by 100k insurance with their new policy of splitting your money into two parts: escrow account of partner bank + distributing the overhead over the liquidity funds? In other words, is the 100k insurance still apply here, or it is reduced to the amount of money that TrRep keeps within the partner bank?
I've also been looking into this but one thing I couldn't figure out is the fees I would pay from buying on EBS exchange. I'm in Croatia, so using Euro as you. Gettex has extremely low fees where you can buy the vangaurd fund. For the invesco I could only find the EBS on swiss exchange. From what I could determine, if you consider the exchange costs it would be more expensive. Can you please confirm or elaborate on this as I prefer to know before buying. Love the content and find it very resourceful!
Thank you for this awesome video you never disappoint, hey Angelo $WKSP is positioned in two fast-growing markets: EV and solar. It’s only a matter of time before the market catches up to its true value, what do you think?
I sit on $500k USD cash in my investment company looking to invest in VOO starting with September. Perhaps i will go in with 200k in September and then averaging at 50k per month for the next 6 months. I target $ 1 million USD in VOO only by the end of 2025 and 300k in our private pension fund (VUSA). Further, in 2026, I will start to diversify in global ETFs to cool down the VOO exposure. In the end, I will end up with only 3-4 funds portfolio.
The EV sector charging Up from Dip-buying with Many in the Green Today. Polestar.. Rivian.. Lillium Evtol Jets..Xos Trucks and more. Maybe even more end Friday green.? NKLA.. Nikola..Frey EV batteries.. ChargePoint..and more. Thumbs Up video/ comments as the Bulls keep charging in Sept.
Just went back and watched your ETF tax video. As an expat living in Austria, I am a bit frustrated how difficultly Austria taxes these assets! :/ So I’m also using Trade Republic as a main investment source, and decided on Vanguard after watching some of your videos. Once I take some money out after (hopefully) making satisfactory profit, will Trade Republic automatically tax and deduct the amount? And will they tax less, since that they are Vanguard?
Good call on going with Vanguard, they're one of the most tax-efficient fund providers for Austria! 👌 Trade Republic should become "tax-easy" for Austrian investors soon (they already opened a local branch in AT, a necessary step), so hopefully this will solve your issue. Both when you realize profits in the future and on a yearly basis, so you don't have to file tax returns. Just so you understand - in Austria we're pre-taxed on a yearly basis when holding ETFs, even if they're accumulating. In that sense, Vanguard is one of the most tax-efficient to hold based on their yearly reports so far (so less pre-tax during the holding period). Overall, you'll still pay 27.5% tax (KESt) on your realized profits (minus already paid tax), no matter which ETF you pick.
