Sent a transfer that took 9 days to arrive. No explanation, no updates, support kept saying "it's being processed". Anyone else had a transfer just disappear into the void for days?
Hi everyone,
I'm preparing for the EFA (European Financial Advisor) certification exam by EFPA Spain, with my target date being December 2026.
I have a fairly complete set of study materials, but most of them are from 2024 and I'm aware they don't cover some important updates, mainly:
- The December 2025 regulatory update (V18/25 guide)
- ESG / Sustainable Finance content now included in the exam
I'm studying independently (no academy) and looking for:
- Updated mock exams or question banks aligned with the current 2025-2026 format (50 MCQs + practical exercises, 70% pass mark)
- Any study notes or summaries covering the ESG module for EFA
- Recommendations for Spanish platforms or resources with recent practice tests
I have not found many resources online — does anyone know some good sources on where I can get updated study material?
Thanks in advance!
Hello,
I'm based in Spain and I want to invest in some companies from Poland (WSE). I use XTB but apparently XTB Spain doesn't offer shares I'm interested in (as far as I know they are offered on XTB Poland).
What is the best way to do that? I'm not talking about Poland only but any EU country. Is there a broker with a wider offer? I'm talking about <1000 euros per company.
Hi there!
I am 27 and just hit my Emergency Fund goal and was wondering how you tend to manage disposable income after that. Do you put it all into Index Funds? Do you keep increasing it?
I will start putting some money aside for a house, that is a 5 - 10 year goal. It being sort of long term, would you leave it in savings or invest that too?
Thank you for your help!
Good morning guys, I currently have 1500 euros to invest.
After some research I picked a few ETF's to invest in but I don't know if it's picked a few to many and should just reduce the amount of chosen funds.
-Vanguard S&P 500 UCITS ETF
-Vanguard FTSE All-World
-Invesco Nasdaq-100
-VanEck Semiconductor UCITS ETF
-Vanguard FTSE All-World High Dividend Yield
-iShares Treasury Bond 7-10yr
-iShares Physical Gold
Im planing on putting 500/500/100/100/100/100/100 now and then after I go 500/500 and every second month put an additional 500 on the rest.
Does it sound like a reasonable plan?
Goal is long term and possibly making money to buy a second house in 5/10 years.
Hello my fellow investors. I'm looking for some tips on how to build a portfolio that I could use anytime I want. Currently, I have a portfolio that I'm building for pension long-term. It's locked out and untouched until retirement.However, I want to open another portfolio that I could use any time I wish. We can call it either "personal growth" portfolio or "spending" portfolio doesn't matter, with no time horizon, it can be invested for as long as I want. Right now, I'm thinking allocation of 65% vwce 20% qqq 10% bonds 5% gold. It should benefit from growth while also providing some protection during a down market. What are your thoughts? Anyone separates their pension investments from other investment? Or just keep it simple and buy vwce for a different portfolio. Any suggestions are appreciated. Thank You.
https://www.etfstream.com/articles/europe-s-first-pure-play-drones-etf-unveiled-by-hanetf
HANetf has extended its thematic ETF line-up with the launch of a strategy capturing drones and unmanned aerial vehicle (UAV) technology.
The Drone UCITS ETF (DRON) is listed on Borsa Italiana and Deutsche Borse, with a listing on the London Stock Exchange to follow. It has a a total expense ratio (TER) of 0.69%.
DRON tracks the VettaFi Drone UCITS index which casts a global net for stocks involved in drones and UAV technology.
Companies must derive at least 20% of revenues from drones or related technologies, or operate a dedicated UAV research programme.
Companies are divided into “pure-play” firms, generating at least 50% of revenue from drones, and “diversified” companies with smaller exposure.
Pure-play stocks account for 80% of the index, while diversified companies make up the remaining 20% and are capped at 5% each.
DRON’s top three holdings are Red Cat (24.1%), Ondas Inc. (16.7%) and Aerovironment (12.3%).
US drone technology company Red Cat and Florida-based autonomous drone systems provider Ondas Inc. are up 185.6% and 1,074.2%, respectively, over the last year. Aerovironment is up 61.6% over the same period.
Other less pure-play names appear in the basket, such as Boeing (1.2%) Lockheed Martin (0.98%), BAE Systems (0.53%) and Leonardo (0.51%).
Tom Bailey, head of research at HANetf, said global defence spending is shifting to reflect the growing dominance of drones on battlefields in Ukraine.
“The United States has launched a $1bn ‘Drone Dominance’ initiative, Germany plans to field more than 8,000 unmanned systems by 2029, and the UK has committed an additional £2bn to drone capabilities," Bailey said.
He also cited government use of drones for disaster relief, border security and infrastructure monitoring and commercial drone use as other key structural drivers.
Peter Diel, head of index product for Europe at VettaFi, added: "Autonomous systems deliver a real asymmetric advantage across a multitude of sectors, driving increased demand in areas ranging from supply chain optimization, entertainment and consumer products to fast-growing defense and security applications."
Other recent launches from the white-label ETF issuer include the Future of Defence Screened UCITS ETF (NATE), an ESG iteration of its $3bn global defence
Hello, I am currently renting and have a family and kids. No personal properties apart from a car. Projected net savings by the end of 2026 is around 100-110k euro. I am torn between buying a flat for about 200k with a mortgage for 20 years and invest my money in us/all world etfs and stocks. I would like to build a dividend paying portfolio but that requires quite a lot of money, which I don’t have. Currently own 20 VHYL and 10 vusa with IBKR. Annual income is approx 50-60k euro net. Sadly I can’t do both. Any advice is appreciated