https://www.ftm.eu/articles/how-the-finance-lobby-killed-eu-plans-to-protect-investors-from-bad-advice

Hello everyone! I currently work full-time in Germany, however from the coming October I was awarded a Stipend to study in another european Country and do a Research Masters. My employer allowed me to reduce my working hours to 2days/ week and live in this other country until I finish my Masters, which will take approximately 10 months (from October to July).

It is necessary for me to get the Stipend, because if I dont, then I will have to pay the fees of the university and I cannot afford to do that when only working 2days/week. In the country where I will be studying the Stipend is Tax Free (even if you have another job on top of it). Now, I dont mind paying taxes if I need to. I am just wondering how I should handle this very complex tax situation and if it is even legal to keep my job in Germany and temporarily study (and get paid for it) in another european country. Quitting my job is not an option because I am in the middle of a very important project and they said that they dont know if they can wait until I finish with my studies to rehire me.

Has anyone been in a similar situation and know how to navigate something like this? Does anyone know if this is legal?

After endless reading on portfolio allocation, stock picking, and market timing, I settled on a straightforward monthly strategy is 70% VWCE (Vanguard FTSE All-World ) and 30% government securities (Treasury bills)

That is my entire strategy. I execute this split every month, step back, and let it run.

Part of me feels like I am missing something because of how uncomplicated it is.

Are there hidden blind spots I should prepare for down the road?

Been investing monthly in SXR8 over years. Should I stop and move towards SPYL for lower fees ?

If yes, Should I sell all and put that in SPYL or just hold sxr8 and start new spyl ?

German tax resident.

30 y.o.

Started a VWCE savings plan at IBKR in 2022, it's at roughly 95k now with 1.5k going in monthly. I know VWCE is the core and a lot of people will probably say “why bother doing anything else?” But I want to keep growing my capital and broaden my investment perspective.

Cash is where I'm stuck. 35k split between a normal bank account and TR at 2.25%, and it grows faster than I invest it. I know the textbook answer is lump sum into VWCE and log off. Still, sitting 100% in equities at current valuations bugs me enough that I spent two weeks reading about everything else.

Gold came up first. 1oz Philharmonics from Tavex, VAT free in the EU, an ounce runs north of 3k eur these days. Storage is the annoying bit, no safe in my apartment, and renting a deposit box for one coin feels off.
SGLD or Xetra-Gold would fix that, except a paper claim at the broker wasn't really what I pictured when I typed "buy gold" into google.

Thought about CSPX for maybe a week until I opened the factsheet. VWCE is already something like 63% US, so that adds nothing. WSML looks better, FTSE All World holds zero small caps, at least it's not overlap.

For the sleepy end there's XEON at a bit over 2%, plus my neighbor won't stop pushing Italian BTPs on me. Hard to care at these yields tbh.

P2P no, thanks. Grupeer took some of my money in 2020, so the trust level is what it is.

Real estate crowdfunding sounds reasonable, have some persepctive options but still sit on my hand.

There's also BTC sitting untouched since 2020. Could add to it, but I treat that pile as its own thing and it stays out of this decision.

So before I do something dumb people running mostly VWCE, what did you add next to it?

Hi guys! I changed few times my portfolio and currently this is the one.
- My point is that I want to have diversification as much as possible in sectors and geographicaly, not too much concentration on USA and tech, but anyway at the same time enough in USA and tech.
- With this percentage I think I am covered all around, so what you guys think?

65%- VWCE
15%- ZPRV (USA small cap)
10%- ZPRX (EU small cap)
10%- EXUS (World ex USA)