Γραφήματα ερευνών, όχι συμβουλές αγοράς.

How to Declare US Stocks on Your Swiss Tax Return

DA-1, W-8BEN and the 15% investors often miss: how US dividends are taxed for a Swiss resident, and the two numbers your tax return needs.

Accumulating vs Distributing ETFs: Which Is Better for a Swiss Investor?

Accumulating ETFs are not a Swiss tax hack. Why the real distinction is dividends versus capital gains, and how to choose on cash flow instead.

Swiss Wealth Tax on Shares: What You Actually Owe (and How to Estimate It)

Switzerland taxes your wealth, not just your income. How wealth tax works on a share portfolio, roughly what it costs, and why it's smaller than you fear.

Dividend Investing in Switzerland: The Tax Trap Nobody Warns You About

Dividends feel like free money — in Switzerland they're taxed as income while capital gains are free. The tax trap and the smarter tilt.

Abgeltungsteuer for Stock and ETF Investors: The Freistellungsauftrag and Vorabpauschale Explained

How Germany taxes dividends and capital gains on stocks and ETFs: the 25% Abgeltungsteuer, the Sparer-Pauschbetrag allowance, the Freistellungsauftrag, and the Vorabpauschale on accumulating funds.

PEA vs Compte-Titres Ordinaire: Which Account Actually Fits a French Investor?

PEA or compte-titres? Eligibility rules, the 5-year rule, the 2026 PFU flat-tax rate, and what DGFiP actually requires — the French investment-account comparison, explained plainly.

Regime Amministrato vs Dichiarativo: The Tax Choice Every Italian Investor Makes

Regime amministrato or dichiarativo — the two ways Italy taxes stock and ETF gains. How each works, the 26% rate, and what Agenzia delle Entrate actually requires.

Box 3 for Share and ETF Investors: What's Actually Taxed in the Netherlands

Box 3 doesn't tax dividends or gains directly — it taxes a deemed return on wealth. How the 2026 forfait system works, the allowance, and what's changing.

Stocks & Shares ISA vs General Investment Account: What Changed, and What It Costs Now

ISA or GIA? After the CGT and dividend allowance cuts, the gap has widened. Current allowances, rates, and what HMRC actually requires — for the 2026/27 tax year.

Reclaiming Foreign Withholding Tax on Dividends: A European Investor's Guide

Where the missing 15% of a foreign dividend goes, why the treaty rate is not always the final rate, and the three facts you need before starting a reclaim.

How to Read a Stock's Fair Value: DCF, Analyst Targets, and What They All Miss

Fair value looks precise and isn't. A beginner's guide to DCF, analyst targets, and the one honest question that beats a single 'fair value' number.

Reverse DCF Explained: What Growth Is the Market Already Pricing In?

A normal DCF asks 'what's it worth?' and guesses. A reverse DCF flips it: what growth does today's price already assume? The clearer valuation question.

Economic Moats for Beginners: How to Spot a Business That Lasts

The best long-term investments are companies competitors can't easily attack. What an economic moat is, the five kinds, and how to spot one.

Is My Portfolio Too Concentrated? A Simple Check Most Investors Skip

One position quietly grew to a third of your portfolio. Here's how to check concentration risk — sector, currency, and single-stock — in five minutes.

MSCI World vs S&P 500 (UCITS): Which Should a European Investor Actually Hold?

The classic European ETF question. A clear, no-hype comparison of MSCI World vs S&P 500 UCITS ETFs — diversification, cost, currency, and the honest answer.

How to Read an ETF's Full Holdings (and Why the Top 10 Isn't Enough)

Most tools show an ETF's top 10 holdings. That hides what you actually own. How to read a fund's full holdings — and what the top 10 conceals.

Home Bias: Why European Investors Underweight the World (and What It Costs)

Investors everywhere over-own their home market. For Europeans that's a quiet, expensive bet. What home bias is, why we do it, and how to check yours.

The Best Seeking Alpha Alternative for European Investors (2026)

Seeking Alpha is built for US investors. What European investors actually need from a research tool - currencies, UCITS, tax, and a published record.

When Should You Sell a Stock? Five Rules That Beat 'Hold Forever'

Five review triggers for an existing position - a broken thesis, a deteriorating framework, a persistent downtrend, an outsized weight, and opportunity cost.

Why Your 'AI Stock Picker' Keeps Getting It Wrong (and What Actually Works)

A fluent AI answer about a stock can still rest on stale data and an undefined data boundary. The four failure modes to watch, and what 'grounded AI' should actually mean.

The Real Cost of a Stock Research Subscription - Is Any of It Worth It?

Seeking Alpha, Morningstar, Motley Fool — subscriptions add up fast. What the fees actually buy, and when a paid research tool is genuinely worth it.

How to Build a Decision Journal (and Why Your Future Self Needs One)

The best investors write down why they bought — so they can learn from it later. How to build a simple decision journal and what to record.