Last Update: February 1st, 2024
My Investment Tools (2024)
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.
P2P Lending
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.
- Esketit [0,5% bonus, first 90 days]
- Mintos
- Debitum Network [1% bonus, first 60 days] *new, added in December*
- Income [1% bonus, after 30 days]
- Lande [1% bonus, first 180 days]
- Viainvest [1% bonus, after 90 days]
- Robocash
Here’s the full list of currently available bonus offers and their conditions in the P2P lending space:
Next, let’s have a look at the largest part of my investment portfolio, ETFs. 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)
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!), recurring investments and fractional shares, 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 October 1st 2023 they’re paying 4% interest p.a. on cash deposits (protected up to 100.000€ via a bank deposit guarantee). I moved my cash reserves there already in January when the rate was still at 2%. They’ve also recently added the ability to buy bonds starting at only 1€! The broker is now available in Austria, Germany, Belgium, Estonia, Ireland, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Slovakia, Slovenia, Czech Republic and Cyprus. Watch this video for more details.
Scalable Capital Broker
Currently available in Germany, Austria, Spain, Netherlands, France and Italy. No account fees, only 0,99€ in trading fees and commission-free saving plans (recurring investments) for ETFs.
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 and only 1,5€ in fees for other ETFs (more details in the pricing table). 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 a large part of my ETF investments here, due to a long running savings plan for the Vanguard FTSE All-World ETF I had running the beginning of every month.
High Yield Savings (Bank Deposit)
As I already mentioned in the brokers section, my wife and I are keeping our cash reserves (incl. part of our emergency fund) on Trade Republic. Here we’re getting 4% interest per year with a 100.000€ bank deposit guarantee and instant liquidity (no lock-in), with interest being paid out monthly.
Cryptocurrencies
Here is where I’m currently buying my small portion of highly speculative investments, which mostly consist of Bitcoin and Ethereum:
Bitvavo
This exchange has become my favorite in 2023. Bitvavo is based in the Netherlands, has some of the lowest trading fees on crypto (0,15-0,25%) and most digital assets are stored at custodians (insured up to €755 million). Additionally, the exchange offers a unique account guarantee of up to 100.000€ per customer if someone else were to gain unauthorized access to your account and withdraw funds.
Bitpanda
A well-trusted exchange based in my home country Austria. Sadly fees are relatively high compared to Bitvavo, especially since Bitpanda Pro was removed.
Investment Tracking
Getquin
A free service I use to track the performance of my investments in ETFs.
Portfolio Performance
Another free tool I use to keep track of my investments. I wrote a guide a while back, which you can find here.
Some of these are affiliate links, which help support me, the website & YouTube channel. I only link to services I use and am convinced of myself, none of the links are sponsored.