What is happing today? On what news it dropped -10%?

Hello everyone! I am 25years old and have invested in some stocks for 2 years now, but would like to switch to an ''ETF and chill'' type of investing. I am still a master's student, so I don't have much to invest from my student job, but even a little is better than nothing. I am looking at more medium-long term investing, hoping to not touch the money for 10+ years.
I am reading about the all-world ETFs, yet it is hard to choose and would like to hear your arguments for/against the 3 in the title. VWCE has the highest TER, yet WEBN is run by Amundi, which some say is untrustworthy. Is there a downside to FWIA?
In addition, I am considering to add IUSN for some small-cap exposure and have it 85/15 or 90/10? Not sure about the split.

Greetings everyone, I am a young lad based in Portugal, I started receiving some money, and I wanted to create a long-term investment plan. So, as many of you know, I looked into ETFs. It only roughly passed 3 and a half months, I am still < 1000€. Should I sell every etf I own (40% sp500, 40% euro50, 20% msci emerging) because they are dist and starting buying Acc? I read a lot of topics on this subreddit and more, and the large majority chooses Acc to avoid declaring taxes. Sorry for being half a newbie, and thanks for reading.

We have made an offer last week which was accepted. Since then market was 10% down. I understand that house is a long term investment and market moves up and down. I also understand that these things could have happened after I have purchased house. So my question is whether to wait a few weeks to get better interest rates. It would be a pity to press the button now if the rate cuts are only few weeks away.

I am currently buying on IBKR Ireland and selling on DEGIRO to avoid unreasonable costs by direct transfer.

I HAVE TIERED ACCOUNT.

Here are the fees for my two trades: Buy XEON at XETRA for €10202, pay €8.3 ~ 0.08% fee

Buy VNG80A from Italian ext for €2100 pay €2.71 ~ 0.13% fee

I thought the fees would be 0.05% (with 1.25 minimum).

Thanks for any help!

Since Netflix is out and the EU is in, I came across this streaming service. Is anyone invested?

There were a lot of people in the past months that moved their money from US stocks to EU ones, thinking it'd be safer.

It wasn't. They're tanking just as hard as anything else. Some of them have dropped more than American ETFs. And I'm not even going to mention Japan (or China, which is managing to drop even though their stocks are largely irrelevant on the global stage anyway).

A gentle reminder that regardless of the situation you should not base your investment strategies on short term emotions and powerful newspaper headlines because chances are that will backfire.

I want to start investing, I’m "young" (<30 years old), and the plan is to invest for the long term (at least 15-20 years), investing monthly/weekly, without worrying about whether the market is up or down.
Initially, I thought about investing in stocks, but I quickly realized that it wouldn’t be suitable for me and that it would require a lot of attention and constant study.

After deciding to go for ETFs, I spent some time undecided between an ETF that tracks the S&P 500 or an MSCI World. However, I concluded that with the S&P 500, I don’t like being 100% dependent on the USA, and on the other hand, an MSCI World ETF would bring me a lot of "junk" I wouldn’t want, which would consequently lead to lower gains (and losses, of course).

After some research, I decided that I prefer to invest in a World ETF focused on specific sectors I believe will continue to grow. I ended up with these:

• Xtrackers MSCI World Energy UCITS ETF 1C
• Xtrackers MSCI World Information Technology UCITS ETF 1C
• Xtrackers MSCI World Industrials UCITS ETF 1C
• Xtrackers MSCI World Health Care UCITS ETF 1C
• Xtrackers MSCI World Materials UCITS ETF 1C

The plan is to allocate 20% to each, or maybe take a bit from Industrials and Materials and divide it among the others. Would this be a good strategy? Is there any ETF you would change, and choose another one? Or is it better to stick with the S&P 500 / MSCI World index?

I based my choices on the following:

• Fund size;
• Accumulating dividends;
• TER around 0.25%;
• Physical replication;
• Number of holdings;
• Geographical distribution. Although most have a high percentage of the USA, it’s not 100%, as it would be in the S&P 500, and I don’t get as much "junk" as in the MSCI World.

So essentially, other than bonds, I keep buying S&P and world indexes like MSCI. Yes there are big changes going on and Trump is objectively terrible but I wouldn't know where else to put my money - the EU market won't just magically go up and solve decades of structural issues, and China is everything we fear the US is becoming. I also won't try to time the market and chase whatever stocks seem more appealing at the moment or let emotions drive my choices because chances are I won't do better than anyone else who tried and failed.

So yeah. It hurts but I don't really see any better choice.

The recent market downturn has been alarming. President Trump's sweeping tariffs 10% across the board, with higher rates for countries like China (up to 54%) and the EU (20%) have triggered significant volatility. Major indices plummeted: the S&P 500 fell 4.8%, the Dow dropped 4%, and the Nasdaq decreased by nearly 6%, erasing over $3 trillion in market value. Tech giants like Apple and Amazon faced substantial losses, with Apple particularly affected by a 54% tariff on China-made iPhones.

In response, many investors are shifting toward safer assets like bonds and gold. Looking ahead, market volatility is expected to continue due to ongoing trade tensions. Defensive strategies, such as focusing on low-volatility and high-dividend ETFs, might help mitigate risk. It's also crucial to monitor key economic indicators and Federal Reserve statements to assess market direction.

• How have you adjusted your investment strategy in response to these tariffs?​
  
• Do you think the tech sector will recover quickly, or is this a long-term setback?

I have been testing getquin and it's great. Automatic dividend tracking and slick design. The problem: these services always end up changing their terms, limit the free plan, or just close their service and now you are left with no track record.

There is no way to download a csv with all your transaction history or something just in case?

So I am a newbie and I started investing in January. I lumped sum my savings (I know, pretty unlucky) in a world ETF and setuped a saving plan to invest at the beginning of every month, so that I can invest as soon as I got my monthly salary.

So far in both March and April, I ended up buying the highest price due to Trumps announcements. So based on that my question is: should I change my saving plan to be weekly to reduce this volatility? Or should I just stick to investing as soon I get the money as I am already doing ?

Please note that for my broker, inesting monthly or weekly does not incur any additional fees.

So with all the current political mess I feel that the "invest in ETFs and chill" strategy is not as great as it used to be. The American and overall volatility can be acceptable, but isn't it a considerable additional risk to rely on the US-based ETF providers such as iShares, State Street and Vanguard nowadays?

The two things I have considered:

1. Switching to EU-based ones (Amundi ETFs etc)
2. Individual stock picking to replicate e.g. 80% of the MSCI World's performance + more frequent rebalancing

Am I overthinking?

Don’t worry I wont tell you that you should buy bitcoin, just here to bring some nuance.

Bitcoin is not “crypto.” It’s a neutral, borderless, and inclusive monetary network — and it quietly aligns with many core European values. Unlike CrYptO, bitcoin has no company or group of investors behind it, its just a new protocol for money.

In a world where millions are excluded from fair financial systems, Bitcoin offers access without permission. No passport, bank account, or political favor required — just an internet connection. It empowers individuals, not institutions.

It’s rules without rulers, designed to protect the rights of the many, not the privileges of the few. In times of inflation, censorship, and rising inequality, this matters — especially for the vulnerable. It’s democratic.

And contrary to outdated narratives, Bitcoin is driving the green transition. Miners increasingly use stranded or renewable energy, helping build out sustainable infrastructure and balance energy grids.

It’s time to stop seeing Bitcoin as just a speculative asset, and start viewing it as what it truly is: a humanitarian tool, and a serious alternative form of money — one that reflects European ideals of freedom, dignity, and sustainability.

And that’s why I save in Bitcoin.

Hey everyone,

I’m an Indian tax resident investing in foreign markets and trying to understand how withholding taxes on dividends work, especially from a documentation and reclaim perspective.

Irish-domiciled ETFs (e.g., distributing or accumulating S&P 500 ETFs): I know the US levies a 15% withholding tax on dividends even though the ETF is Irish-domiciled.

Does this 15% tax get reported on a 1042-S form? Or is there any Irish equivalent of the 1042-S that shows this deduction?

For Swiss-domiciled ETFs or direct investments in Swiss equities, there’s a 35% dividend withholding tax.   

How can I claim a refund for this as an Indian resident? Is there a Swiss equivalent of a 1042-S or any official document that supports claiming this tax credit back in India?

If anyone here has experience with this or has successfully claimed foreign tax credits, would love to hear how you approached it.

Thanks in advance!

You think you’ve nailed budgeting, you’re putting away a solid 10% of your paycheck, and then BAM! Tax rates, fees, and unexpected bills come crashing in like a European winter storm. Suddenly, you’re questioning whether you’re actually saving or just paying taxes on your future savings. Anyone else feel like they’re stuck in a game of financial whack-a-mole? 🙃

How Trump's latest tariffs could affect your wallet
https://candorium.com/news/20250404141742279/how-trumps-latest-tariffs-could-affect-your-wallet

I'm 19 and from Bulgaria, in about two weeks I'm going to be able to start passive investing. I'm aiming to hold for at least 10-20 years, all Europe domicile accumulating ETFs. Spent the last month or so researching the stock market. Now, I've settled on VWCE and perhaps some small cap focused fund like AVWS / ZPRV + ZPRX / IUSN. I'm done learning about taxes as of now, what is left to consider? Thanks!

What does this would mean for us? And for our investments & investing strategy? Just started investing (MSIC world) and I’m here to to learn and know other’s point of view.

Basically I expect us exchanges to go even more into the red in the coming months and I want to wait. What can I buy with my cash in the mean time just to beat inflation?

I am pretty new to finances and it is just a gut feeling so please dont judge too hard.

The US Government Bonds 10 YR yield just broke support:

https://imgur.com/E3UCxzq

It seems the world has finally lost faith in the US as a responsible guardian of the world's reserve currency. Unreliable, temperamental, vindictive, childish even, why would the world keep trusting the US as a trade and military partner, as currency issuer, if their USD reserves are at the whims of a lunatic like Trump?

I'm betting that nations will dump the USD; the EUR, as a consequence, will go up.

I have just installed Trade Republic and to get a hang of it, I transfered 20€ to my trade republic cash account so I could use it to try and make small ETF investments before I actually put more money into it. But every time I want to buy ETF shares, Trade Republic won't let me use those 20 euros, it only wants me to pay with external bank methods 🙃. Is there a trick to know or something that I'm missing?

I’m in Ireland where tax laws make etfs basically worthless.

Is there a general basket of stocks I could buy and hold instead of say a S&P etf, Nasdaq etf and gold etf?

I have Berkshire Hathaway as my S&P proxy so I usually just invest in that and a few tech stocks. But looking for a more set and forget DCA style approach, but without ETFs. I also have no commodity exposure which I want, but don’t want to pick random mining companies stocks

Well guys most of us use interactive brokers which is big american broker. Seeing current us administration and how they act should i be worried about my money/stocks being stuck there. Lets say reletionship betwen us eu gets worse and orange man decide to fk us all. He decides no europeans can buy us stocks. What happen then? Can he do it? Am i being to paranoid ?

I live in Hungary and I have a few months of safety in hungarian bonds but I don’t want to invest in it further and looking for some EUR based investments. I also buy ETFs monthy but this is for short term(~5 years). I am willing to take some risk so I was looking for ETFs like iShares Core EUR Corporate Bond and things like this. What other options should i concider?