How to start investing in the Netherlands and Europe

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  • Опубліковано 17 січ 2025

КОМЕНТАРІ • 55

  • @dpashutskii
    @dpashutskii  8 місяців тому +5

    What other financial topics do you want me to cover?

    • @mikhaildavidenko3841
      @mikhaildavidenko3841 8 місяців тому +2

      Does Netherlands have something like 401k or other pension focused investment options?

    • @dpashutskii
      @dpashutskii  8 місяців тому +1

      Good question. 401k does not make that much sense when the country has a proper government pension funds so it's certainly less popular than in the US or Canada.
      But we do have private pension funds. Especially with current gov pension situation (it doesn't really keep up with the inflation and housing crisis) it's getting more and more popular
      Most of the employers will automatically open it for you but you can manage where the money is invested. Sometimes they also do the matching. My employer did 50%.
      As self-employed you may decide to open it yourself if you want to. There are certain companies that focuses on entrepreneurs and employed. I haven't researched it properly yet.
      The biggest benefits of them is, like 401k, they are tax deductible. Otherwise investing would have make much more sense.

    • @alinam5265
      @alinam5265 7 місяців тому +3

      What be great to explain the tax system in NL, all 3 boxes and how its calculated

    • @dpashutskii
      @dpashutskii  7 місяців тому

      Will do, thanks for the idea!

    • @SkaterBoyNishh
      @SkaterBoyNishh 5 місяців тому

      Please make a video in detail about investing in ETF’s here in the Netherlands.

  • @mauroivaldi1818
    @mauroivaldi1818 8 місяців тому +8

    Wow this video is exactly what I needed, I’m moving from the US to the Netherlands in the months and this was something that it was on my mind the whole time, your video helped me a lot.

    • @dpashutskii
      @dpashutskii  8 місяців тому

      Wow, that's awesome. Glad it helped!

  • @rathish6844
    @rathish6844 4 місяці тому +5

    Awesome bro.. i was so in need of such videos in the Netherlands

  • @pa_sul
    @pa_sul 8 місяців тому +7

    Thank you for the nice overview Dmitrii!
    Indeed, it would be nice to cover the topic of ETFs in more detail as this is the recommended approach nowadays for passive investors.
    By the way, which tool do you use to keep the track of your portfolio (assets allocation, performance)?

    • @dpashutskii
      @dpashutskii  8 місяців тому +1

      Thanks for the reply!
      I personally use www.getquin.com (free version is enough for me)
      I also have a bunch of spreadsheets but that's for tracking the whole net worth, spendings etc.

  • @AntunesdoVale
    @AntunesdoVale 7 місяців тому +2

    Great video, thanks for sharing it, mate!

  • @alexanderalraheb
    @alexanderalraheb 7 місяців тому

    Great Content, Dmitrii, keep up the good work !

  • @sneawo
    @sneawo 5 місяців тому

    Thanks! I'm a bit late and just starting to invest, so real life examples are very useful and motivating.

    • @dpashutskii
      @dpashutskii  5 місяців тому +1

      Nice! Glad to help! I definitely recommend youtube.com/@AngeloColomboFi channel, it's very good.
      He is in Austria but many EU investments and brokers are similar. The biggest difference are taxes.

  • @kirtisodhi9337
    @kirtisodhi9337 2 місяці тому

    This is really informative. Thanks so much!

  • @agxagx9260
    @agxagx9260 15 днів тому

    Thank you for the good content. Can you elaborate on how you were able to make the transfer from your 🇺🇸 broker to Interactive Brokers and how you minimized transfer fees / conversion fees? 🙏

  • @jonathancastro8487
    @jonathancastro8487 4 місяці тому

    Amazing video, thysm, do you have another one where you talk about ETFs more in depth?

    • @dpashutskii
      @dpashutskii  3 місяці тому

      Yes, here: ua-cam.com/video/ddH9aQ0UZu4/v-deo.html

  • @joannaroe7288
    @joannaroe7288 Місяць тому

    Thanks so much for sharing this info! I'm based in Amsterdam and have literally just started researching investing. I have just under the Dutch tax free allowance to invest (in GBP in Wise acc so can easily convert to EUR) however I may return to the UK someday (next year or 2). Do you therefore advise I go with Deniro over interactive brokers? And how much would you advise investing in the first year?

  • @john5498
    @john5498 5 місяців тому +1

    ETF for sure is really important. Especially for UCITS ETF. Thanks

    • @dpashutskii
      @dpashutskii  5 місяців тому

      As far as I know, non-UCITS ETF is not traded in the EU.

    • @john5498
      @john5498 5 місяців тому

      @@dpashutskii Do you know if the UCITS are also taxable as per Box 3?

    • @dpashutskii
      @dpashutskii  5 місяців тому +1

      All the investments and savings are taxable on Box 3 (except your company owned stocks).

  • @Cherrychow-w4k
    @Cherrychow-w4k Місяць тому

    Great video thank you! It is really useful! I have a question. What is the benefit of moving your IB account from US to NL ? Can you still trade if you don't move the account ?

    • @dpashutskii
      @dpashutskii  17 днів тому

      Interactive Brokers requires you to use their EU entity instead of American one. So you cannot continue using the US one.
      Plus, in the EU, you cannot buy non-UCITS ETFs (which are sold on the US IB), so you won't be able to trade ETFs. In addition, there are tax implications and using the US one is unfavorable for you.

  • @berylijn
    @berylijn 8 місяців тому +1

    This is exactly what I have been looking for. Thanks Dmtrii. What would you advise for a complete newbie?

    • @dpashutskii
      @dpashutskii  8 місяців тому

      Nice! Glad it helped!
      I'd recommend starting investing slow, nothing aggressive, also reading a few books on the topic.
      I cannot recommend any specific investments (it's forbidden by Dutch law) but I can certainly recommend some books.
      My favorite:
      - The Psychology of Money
      - The Simple Path to Wealth
      - Rich Dad, Poor Dad

  • @abdurrehman596
    @abdurrehman596 4 місяці тому +1

    Pls make a video on ETF

    • @dpashutskii
      @dpashutskii  4 місяці тому

      Already cooking! Will be uploaded in a few weeks :)

  • @ruifonseca7160
    @ruifonseca7160 7 місяців тому +1

    Hello! Thank you so much for your video, did you check the broker XTB? Any opinion?

    • @dpashutskii
      @dpashutskii  7 місяців тому +1

      Hey! I think XTB is okay-ish broker overall.
      But they always focused on CFDs which is extremely speculative instrument so for me it's a bit of a red flag.
      When there is better options available, I am not sure what're the reasons to pick them.

    • @ruifonseca7160
      @ruifonseca7160 7 місяців тому

      @dpashutskii to be honest, in terms of fees for ETFs in euros, I would say it's a very good broker. I do not invest in cfds, only looking for ETFs, and I found this a better option compared to Degiro for instance. I can be missing something ofc, and that's why I question you about this broker 😁

  • @ik5513
    @ik5513 5 місяців тому

    Great video Dmitrii! assuming investment in ETF for the long term in NL, if I understand correctly since the tax on dividend is lower than the tax on box 3, then as long as the total assests are under 57k it would be better to invest in accumulated ETF and not in distributed ?

    • @dpashutskii
      @dpashutskii  5 місяців тому

      In my opinion, accumulated ETFs are always better and with distributed it's still advisable to reinvest all the dividends.
      But yeah, that taxes are another reason to buy accumulated as well.
      And yes, as long as your assets (including cash on deposits) is lower than 57k, you don't pay anything on box 3.

  • @ntielman2072
    @ntielman2072 4 місяці тому

    Thanks for this video. I'm new to investing and spent hours learning from (american) investors about index funds and the best brokers only to find out it's completely different for Europeans 😭

  • @user-ct9gl9lx9o
    @user-ct9gl9lx9o 8 місяців тому +2

    Hey Dimitry,
    Currently I'm a computer science student in the netherlands, planning to do a masters in software engineering.
    I hold a dutch EU passport.
    What country (or countries) would you recommend me to move to if I want to become a small business owner?
    Like for example a SaaS business.
    Assuming I want lowest tax, best standard of living and cold climate (or at least not too hot).
    Thanks in advance.

    • @user-ct9gl9lx9o
      @user-ct9gl9lx9o 8 місяців тому +2

      Assuming I want to settle down and start a family of course,
      I will start a company at some point in my career.

    • @dpashutskii
      @dpashutskii  8 місяців тому

      That's two different things: starting a family and settling down, and starting a saas business. If you didn't mention a family, I'd recommend completely different options xD
      I actually think the Netherlands has a very nice startup climate. For the lower earnings there are almost 0 taxes here as well. When your SaaS will start earning a lot, you can figure out where to move the business or how to appropriately incorporate it.
      If your goal is not 100% startup, I'd recommend asking yourself where you and your family want to live and not where the taxes is lower.

  • @mikhaildavidenko3841
    @mikhaildavidenko3841 8 місяців тому +2

    Just a nitpick, but mic in the front is too distracting, especially when you started to read numbers. May be move it further to the side if you want to keep it in the frame

    • @dpashutskii
      @dpashutskii  8 місяців тому +1

      Yeah, totally! Thanks for the confirmation. When I was editing, I also thought of that. I won't set it this way next time.

  • @Freedork
    @Freedork 8 місяців тому +1

    How much income investments like that would generate? Is it yearly payouts?

    • @dpashutskii
      @dpashutskii  7 місяців тому

      For me or in general? There is no guarantee results for any investments so the only way to guess based on historical performance.
      Historical returns for VWCE for example are 8.85% annual.
      I repeat, it does not guarantee those returns in the future.
      There is no payouts as well. It's stock ownership.

  • @MaxwellOparaocha
    @MaxwellOparaocha 4 місяці тому +1

    How can I invest here in Netherland?

    • @dpashutskii
      @dpashutskii  4 місяці тому

      Have you watched the video? What specific questions do you have?

  • @CatherinePatricio-w5f
    @CatherinePatricio-w5f 2 місяці тому

    How to start? Can I start with 2k Here in NL?

    • @dpashutskii
      @dpashutskii  17 днів тому

      You can start with basically any amount. I'll probably make more approachable video for complete beginners in the investing.

    • @CatherinePatricio-w5f
      @CatherinePatricio-w5f 13 днів тому

      @ what vid

  • @euclid9718
    @euclid9718 Місяць тому

    Дима, почему ты не покупаешь также бонды на весь мир?