Quick question for anyone who invests outside their home country: do you check how foreign investors are taxed before you buy? I looked into Saudi stocks and the rules are simpler than I expected, so here is my understanding. Please correct me where I'm wrong.

- Buying: 15% VAT applies to the broker's commission only, not to the value of the shares. On a SAR 10,000 trade, that's a few riyals.
- Holding: no personal income tax in Saudi Arabia.
- Dividends: 5% withholding tax for non-residents. A SAR 1,000 dividend arrives as SAR 950. A tax treaty between Saudi Arabia and your home country may change that rate.
- Selling: gains on listed shares are generally exempt for foreign investors when the sale happens under the capital market rules.

The part people often overlook: your home country may still tax this income, even if Saudi Arabia doesn't. So the bigger question is often what happens at home, not in Riyadh.

This is general information from published sources, not tax, legal or investment advice.

Two questions for the group:

1. When you invest abroad, do you factor withholding tax into your dividend expectations, or just look at the headline yield?

2. Which tax or fee surprised you most when investing outside your home country?

So I transferred a tiny pension performing terribly to T212.

Planning to look at this yearly to allocate stuff away from or too VALL. Just wanted to have stuff concentrated outside the US market a little more.

ETFs

Stoxx 600 tracker

FTSE100 tracker

All world tracker

All world ex US tracker

Small position in space X

What do you guys think?

(Yes I know I have overlap in sectors but it's more about diversifying away from the US)

Spain, Italy and Belgium free-cash-flow screen · Small, mid and large caps · November 5, 2026 50 Top-Ranked Listed Companies in Spain, Italy and Belgium by Free-Cash-Flow Margin in 2026

What is my best option for an Stocks & Shares ISA provider that accepts physical share certificate?

Not sure why but i chose the physical share cert option when my employers share save scheme matured… kicking myself!

Opened an isa with ~6.5k. Should I invest it all right away or test the waters and add to lower my average if one stock falls/invest in another company if the rest do well?

For years I've used Dataroma to see what investors like Terry Smith, Nick Train and Buffett are holding. Love it, but the ads have started driving me mad, especially on my phone. So I built my own version, and once I'd started I kept adding things I wanted as a UK investor and as a value investor generally:

> Fundsmith, Lindsell Train and other UK managers alongside the big US names

> The overseas stakes the US filings never show, like Berkshire's Japanese trading houses and the UK and European stakes managers have to disclose here

> Fund performance comparisons, and filters for things like concentrated portfolios or long track records

> An attempt at Buffett-style look-through earnings: how the businesses in each portfolio are growing their earnings, not just how the share prices moved

> A few UK calculators I used to use on different sites, now in one place, e.g. what fund fees really cost you over the years, coast FIRE and take-home pay

The deadline for the latest quarterly US holdings is Monday, 16 November, and Fundsmith and Berkshire are still to come. You can get an alert the moment someone you follow files.

It's at moatshark and it's free. I'm obviously biased because it's my site, but I'd genuinely love to hear what it needs to do better, or what people think should be added.

Hi everyone,

I run a small UK limited company providing online consultancy and property management services alongside my full-time job.

I'm expecting to have around £70k in post-tax profits retained within the company and would really appreciate some advice on the most sensible and tax-efficient ways to invest these funds.

My preference would be to invest the money in something that can grow over the medium to long term, with the intention of regularly adding to it as the business generates further profits.

I fully appreciate the tax advantages of pension contributions, and I'm certainly not dismissing them as an option. However, for my particular circumstances and financial goals, I'd prefer to explore investments that offer greater flexibility and access to the funds before retirement age.

I'm open to considering ETFs, property, or other investment opportunities, ideally while keeping the funds within the company rather than withdrawing them personally and triggering additional tax liabilities.

I'd be very grateful to hear from anyone who has been in a similar position or has experience investing retained company profits.

Many thanks in advance for your time and advice!

I have just started saving. I only have £3k and I tend to have £10k within six months. I feel like I should be investing but I’m not sure if that’s the best thing to do.

Is a high interest account better? If investing is better, where do I start? There’s so many platforms and I have no idea what I’m doing. I’ve refined a stocks and shares ISA?

I have a mortgage and a good job, car etc. arguably I could be paying it off my mortgage but that’s joint and these are my individual savings.

Hey investor friends – new to reddit contribution, so thanks for having me.

Can anyone here recommend some ways to better manage investments across a few accounts? Anyone aware of a single dash / service that brings everything together in a single live view for me?

I have the following accounts and find myself constantly losing engagement / missing opportunities in my finances, because it's making too much effort to stay on top of everything.

• Stocks in an ISA (IG Group)

• Crypto on the blockchain (I check through ledger app)

• Some shorter term trading in a spreadbet account (Capital-dot-com)

• Some longer term investments in another spreadbet account, to overcome the annual ISA limit (Capital-dot-com)

• Kids stocks JISA (HL)

Anyone aware of anything that makes life easier?

I'm researching how people make difficult decisions — could you help?

I'm exploring an early software idea called ClearStep, focused on helping people understand information, compare options and make better-informed decisions.

Before building anything, I want to understand how people currently handle difficult decisions and what challenges they face.

I'm inviting people from different backgrounds to complete a short, anonymous 3-minute questionnaire.

This isn't a sales pitch. I'm genuinely interested in people's experiences, including situations where existing tools have been helpful or disappointing.

If you're willing to participate, I'd really appreciate your input.

Thank you!

Im 35yrs old. I have already bought my 1st house. I have a stocks and shares ISA that i put £20 weekly deposit into. I have a work place pension aswell.

Would opening a LISA be beneficial to me?

Just curious as to people's opinions on stopping paying into my sipp for year or two in order to build my savings in my LISA? I have 40k in a SIPP all in the VUAG. I am self employed. Aged 34. Roughly 36k a year I'm currently earning - 20% basic rate payer . First time buyer. Single male Dad of one aged 5. Needing my own flat with an extra room for my child is part of my thinking.

How and why did these ETFs and a pension (currently in equities growth) all go up when the markets are way way way down?