Investor Education

European Investor Guides

Plain-English explanations of the tax rules that determine your actual returns as a European investor. No jargon, no financial advice — just the facts.

🇳🇱Netherlands

Dutch Box 3 Explained

Wealth tax on investments — how it works, acc vs dist, and what changes in 2028

Box 3Wealth TaxETF Investing
6 min readRead guide →
🇩🇪Germany

German Vorabpauschale 2026

The annual "pre-tax" on accumulating ETFs — what it is, how it is calculated, and how much you actually pay

VorabpauschaleETF TaxAccumulating
7 min readRead guide →
🇫🇷France

French PEA: Which ETFs Qualify?

The 75% EU rule, why IWDA and VWCE are blocked, and how to build a world portfolio inside the PEA

PEAETF EligibilityTax Wrapper
5 min readRead guide →
🇪🇺Europe-wide

Dividend Withholding Tax in Europe

Why ETF domicile matters, the two layers of WHT, and how much it actually costs you annually

Withholding TaxETF DomicileIreland
8 min readRead guide →
🏦Europe-wide

DEGIRO vs Trade Republic vs Scalable Capital

Costs, ETF selection, savings plans, securities lending, and tax reporting compared honestly

BrokersDEGIROTrade Republic
7 min readRead guide →
🇪🇺Europe-wide

What is a UCITS ETF?

The regulatory framework behind every ETF available to European investors — and why you cannot buy Vanguard funds from the US

UCITSETF BasicsRegulation
5 min readRead guide →
🇪🇺Europe-wide

Accumulating vs Distributing ETFs

Same index, two structures. Which is better depends on where you live and how your country taxes investment income

ETF StructureDividendsTax
5 min readRead guide →
🏦Eurozone

ECB Interest Rates Explained

How ECB rate decisions flow through to stock valuations, bank margins, bond yields, and the euro — with sector-by-sector impact

ECBMonetary PolicyMacro
6 min readRead guide →
📊Europe-wide

AEX, DAX, CAC 40, FTSE 100 Explained

Six major European indices, six different market characters — what each measures, the dominant sectors, and what moves them

IndicesAEXDAXCAC 40
6 min readRead guide →
📉Eurozone

Bond Yields and European Stocks

Why rising Bund yields compress growth stock valuations, how the BTP-Bund spread signals eurozone stress, and which sectors benefit

BondsYieldsMacroBTP-Bund
5 min readRead guide →
Guides produced for general information purposes only. Not personalised tax or investment advice. Tax rules change — verify current rates with your local tax authority or a qualified adviser. Full disclaimer →