Last Update: September 1st, 2023
My Investment Tools(2023)
Here is a list of all the investment accounts I use on a regular basis. Since it’s quite a long list, I figured it would be easier to have it all on one page and not spread out across the website.
I also added some extras that I use on a daily basis at the end of this page.
Investments
Let’s start with my investments in Peer-to-Peer Lending. Some of the platforms currently offer an investor bonus for new registrations using my links, which you can see in brackets next to their name.
P2P Lending
Next, let’s have a look at the largest part of my investment portfolio, ETFs.
ETFs
As I’ve mentioned before, I like to keep this part as simple as possible, while being diversified all over the world. That’s why I just buy a single ETF, the Vanguard FTSE All-World (ISIN: IE00BK5BQT80).
Let’s start with my international brokerage accounts, which are likely available for most people in my audience.
ETF Brokers (International)
Trade Republic
No account fees and only 1€ in fees when buying or selling ETFs and stocks (any amount). No investment fees when buying via saving plans. Not only that, since 04.01.2023 they’re paying 2% interest p.a. on cash deposits (protected up to 100.000€ via a bank deposit guarantee). I moved my cash reserves there. The broker is now available in Austria, Germany, Belgium, Estonia, Ireland, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Slovakia, Slovenia, Czech Republic and Cyprus.
Interactive Brokers
This one is my favorite. IBKR is one of the most trusted, most reputable brokers in the world, for good reason. Extremely low trading fees, no account fees (monthly inactivity fees were removed in July 2021!), no dividend fees and no share lending by default. You can’t go wrong with Interactive Brokers. I just wish it was a bit easier for beginners. Here’s my guide and my comparison with Degiro.
ETF Brokers (International)
Interactive Brokers
This one is my favorite. IBKR is one of the most trusted, most reputable brokers in the world, for good reason. Extremely low trading fees, no account fees (monthly inactivity fees were removed in July 2021!), no dividend fees and no share lending by default. You can’t go wrong with Interactive Brokers. I just wish it was a bit easier for beginners. Here’s my guide and my comparison with Degiro.
Trade Republic
No account fees and only 1€ in fees when buying or selling ETFs and stocks (any amount). No investment fees when buying via saving plans. Not only that, since 04.01.2023 they’re paying 2% interest p.a. on cash deposits (protected up to 100.000€ via a bank deposit guarantee). I moved my cash reserves there. The broker is now available in Austria, Germany, Belgium, Estonia, Ireland, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Slovakia, Slovenia, Czech Republic and Cyprus.
ETF Brokers (Germany & Austria)
Some of these have even better conditions than the international brokers I mentioned. The only downside is, they’re only available for investors from Germany and Austria.
Flatex Austria
No account fees and free saving plans on 300 ETFs (1,5€ for other ETFs). They take care of the taxes for you if you’re a resident in Austria, which makes things a lot easier if you’re just starting out.
I currently have the majority of my ETF investments here, due to a long running savings plan for the Vanguard FTSE All-World ETF at the beginning of every month.
Trade Republic
See details in the International section and my review.
Scalable Capital Broker
No account fees, only 0,99€ in trading fees and free saving plans for ETFs. They just launched in Spain, France, Italy and the Netherlands as well. Definitely worth checking out if they’re available in your country.
Smartbroker
A great broker for instant ETF or stock purchases. Any buy or sell order with a value over 500€ is completely free of charge when using the Gettex exchange on Smartbroker. No brokerage account fees either.