investor toolkit 2021

Last Update: January 10th, 2022

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 aren’t related to my investments, but rather my blog and YouTube channel at the end of the page.


Let’s start with my investments in P2P Lending, sorted by my current investment on each platform. Some of them currently offer an investor bonus for new registrations using my links, which you can see in brackets next to their name.

P2P Lending

Here’s the full list of currently available bonus offers in case you’re interested in what’s available for platforms I’m not currently invested in myself: P2P Lending Bonus Offers

Next, let’s have a look at the largest part of my investment portfolio, ETFs.


As I’ve mentioned before, 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)

  • Degiro – Probably the best known, low-cost ETF & stock broker in Europe. Degiro has some of the lowest trading fees on the market and the broker even offers 200 ETFs which can be traded commission-free (ETF list & conditions).
  • Interactive Brokers – One of the most trusted, most reputable brokers in the world. Low trading fees, no account fees (monthly inactivity fees were removed in July 2021!), no dividend fees and no share lending by default. A fantastic alternative or addition to Degiro. I use both.

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 150 ETFs (1,5€ for other ETFs). 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 the majority of my ETF investments here, plus a savings plan for the Vanguard FTSE All-World ETF at the beginning of every month. If you’re a German resident, you can check out Flatex Germany.
  • Scalable Capital Broker – No account fees, only 0,99€ in trading fees and free saving plans for ETFs.
  • Smartbroker – A fantastic broker for instant ETF or stock purchases. Any buy or sell order with a value over 500€ is completely free of charge when using the Gettex exchange on Smartbroker. No brokerage account fees either.
  • 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. The only downside is, they currently only offer ETFs from iShares, apart from single stocks. They’re currently running a promotion: How to get a free stock up to 100€ in value


Here is where I buy my more speculative investments, which mostly consist of Bitcoin and Ethereum:

  • Binance – My favorite place to buy cryptocurrencies right now. The largest digital asset exchange in the world, with the highest trading volume in the sector and very low fees. You can save an extra 10% on trading fees when signing up via my link.
  • Bitpanda – In addition to crypto, they also offer physically backed investments into precious metals like gold and silver and are based in Austria, my home country. Bitpanda even enables users to set up personal saving plans, which allow investors to dollar-cost-average into these volatile assets.
  • Kraken – Another great exchange to buy & hold digital assets. However, in my opinion the exchange is a bit more complicated and less user-friendly compared to the other two.
  • FTX – This has become my second favorite crypto exchange after Binance. It has the lowest trading fees in the markets and offers many features you won’t find anywhere else. I also occasionally use it to earn some interest on USD and crypto via margin lending.

Investment Tracking

  • Portfolio Performance – This is the free tool I use to keep track of my investments. I wrote a guide a while back, which you can find here.

Bank Accounts

Apart from my standard, slow bank account in Austria which costs me 5€/month (and which thus shall not be mentioned), here are two accounts I actually appreciate:

  • N26 – A free German bank account, protected up to 100.000€ due to N26’s European banking license. My wife and I use this account daily for our shared expenses like groceries. Due to its integration with TransferWise, the account allows us to make international transfers in other currencies at the market exchange rate, without additional, hidden fees. As a result, we also use our N26 account whenever we pay for something in a different currency, which is especially useful when traveling abroad.
  • Nuri – Another free bank account based in Germany, with a 100.000€ deposit guarantee and a free VISA debit card. Here’s what makes it stand out: Free worldwide ATM withdrawals (& conversions) in any currency and you can buy Bitcoin & Ethereum directly on the bank account. Not only that, you can even lend out your crypto and earn some interest directly on your account.


This part has nothing to do with my investments directly, but I figured it’s worth sharing as well.


  • Surfshark VPN – This is by far my favorite VPN. It has a strict no-logs policy, can be used on an unlimited number of devices and it supports the latest Wireguard protocol for an excellent combination of encryption & speed. It also unlocks the Netflix libraries from 18 different countries (a feature we use all the time) and it is P2P (eg. torrenting) friendly. Best of all, it’s a lot less expensive than similar alternatives, at 1,81€/month via this link [83% off!].
    I’ve used NordVPN, Windscribe and Cyberghost before, but I like this one the most. It doesn’t hurt that it’s also by far the fastest VPN I’ve ever used, I pretty much always get the max. speed I’m able to get out of my 250 MBit/s home internet line, even while my connection is encrypted via Surfshark. I also use it for security reasons whenever I’m using a public Wi-Fi network.

YouTube & Blogging

Every once in a while, someone reaches out to me to ask how they can start their own blog or YouTube channel. Here are the services I use:

  • WordPress – I use this free CMS for my blog.
  • NameHero – I moved my websites to NameHero in summer 2020 and I couldn’t be happier with the combination of speed, reliability and the quality of the support I received so far. I use the Plus Cloud Plan in the Netherlands (NL) Datacenter.
  • TubeBuddy – I use a TubeBuddy license and the Chrome extension to help manage my videos (and SEO) on YouTube.

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.

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  1. I have an account direct with IBKR (Interactive Brokers) and – certainly for UK stocks – the fees are lower than CapTrader.

    Unfortunately IBKR charges a 10 USD ‘Monthly Activity Fee’. Is this the fee absent from CapTrader?
    But then you can earn money from the ‘Stock Yield Programme’ on IBKR which lends out your shares.
    I imagine the latter is negligible for lower balances.

    Also, DeGiro go not charge any dividend fees on Basic accounts. Only the Custoday account charges the 1 EUR plus fee for a dividend. Basic account does what I want.


    1. Hi Jon,
      yes, the trading fees are lower if you go directly to IBKR. But with CapTrader you don’t have the monthly 10$ inactivity fee, which they have to finance somehow – in this case, it’s via slightly higher trading fees when buying/selling.

      For the vast majority of people (me included), going the CapTrader route is still a much better deal. Thanks to CapTrader I’m paying 2€ for my 1.000-2.000€ ETF order on Interactive Brokers once a month vs. needing to generate 10$ in trading commissions every single month for a direct IBKR account to be worth it.
      And I’m still getting a fully-featured IB account, including the option to opt into the stock yield program.

      That’s true, for most people Degiro Basic is likely enough. I just know some people don’t like the share lending policy (even though it’s collateralized at 103%), which is why I mention these things.

      1. Useful to note that since July 2021 the inactivity fee has been removed, so trading directly through IBKR is a far simpler solution!

  2. Hi Angelo
    Do you know of a way in which a European resident/citizen can buy US domiciled ETFs?
    Is it possible to be classed as an experienced investor by the likes of DEGIRO or cap trader and what annual paperwork is required to avail of these lower cost funds and in my country a more favourable tax treatment 41% vs 33% on any gains.
    I only intend to invest in accumulating ETFs to minimise paperwork

    1. Hi David, sadly I have no experience with US-domiciled ETFs. What’s special about them that you’re not able to get in Europe? Are you sure they have a more favorable tax treatment in your country?

  3. Hi Angelo,

    I have a question. Which broker (ETF fractional shares if possible) would you recommend for new investor from Slovakia. DEGIRO is not available in my country. Was thinking about which you mentioned in your videos. Trading 212 is not opening new accounts at the moment. Would really appreciate your help.

    Thanks in advance

    P.S. Love your videos. Keep it up!

    1. Hi Adam,
      I’m not sure if Flatex is possible for Slovak residents. In your case, I would personally go with Interactive Brokers (via CapTrader to avoid the inactivity fees). The only requirement is that you need 2.000€ to start using the broker. I saw fractional shares mentioned regarding Interactive Brokers a few times online, but I haven’t been able to activate them for my ETF yet. That’s something I’ll look into as well.

      Thank you, I’m very happy to hear that!

  4. Hello Angelo,
    Thanks for your blogs they are quite insightful. I have a question for you, at the moment you have invested in multiple platforms (crowdlending, shares, crypto..). How do you track all the accounts and earnings from each account? Do you maintain an excel sheet or something?

    I am also in a similar situation. I have investments in few crowdlending platforms (Peerberry, Viainvest, Robocash) and have share accounts with eToro and Scalable. However, its quite a pain to get a monthly overview of how much I have earned/lost.

    And looks like you have system to calculate Monthly Income reports. Could you please share your ideas on that too?

    Thanks in advance.

    1. Hi Sud,
      I use the free tool Portfolio Performance to track my investments in P2P lending on a monthly basis. You can find some details in this post. You can also use it to track stocks & ETFs, which I only do once/year though, to see my yearly performance (after entering all monthly purchases that year). I’m sure you can use Portfolio Performance to track crypto as well, but you might need to add the value of some assets manually.

      My own system still has some room for improvement for sure 🙂 Every couple of months my wife and I group all of our shared assets together in an Apple Numbers file to see if our net worth is moving in the right direction.
      Hope this helps!

      1. Hey Angelo,

        Many thanks for the hint. After your suggestion, I have been using Portfolio Performance and it really looks cool. Finally I have got a dashboard to manage all different investments.

        However, it would have been great if there was a web-based dashboard which I can use from any mobile or laptop. Otherwise I am totally satisfied with Portfolio Performance.

        Thanks again

  5. Hi Angelo,

    for CapTrader, if I deposit Euros and want to buy stocks in USD, do you know what is the currency conversion fee? Thank you!

    1. Hi Mirabella,
      it should be this if I’m not mistaken.

      You could also look into converting/sending USD to your Interactive Brokers account via Revolut (only 0.30€ fee) or TransferWise (now called Wise), if that ends up being cheaper.

  6. Hello Angelo, first of all thanks a lot for all your tips and advices. Being a foreign living in Austria and not (yet) a German speaker, when comes to investments and taxes is something non-trivial.
    My question: do you have a comparison between Flatex and Hellobank? All my ETf’s are in Hellobank, but after watching some of your videos I might consider changing it.
    Thanks a lot 🙂

    1. Hi Guilherme, my pleasure!
      Sure, here’s what stopped me from using Hellobank:

      – 0,12% brokerage fees/year (that’s 120€/year when you reach 100.000€ in investments!). Brokerage fees (especially as a percentage) are a no-go in my opinion, as those increase as your account grows.
      – 18€/year fees for your clearing acccount
      – Higher fees vs. Flatex when buying/selling stocks/ETFs
      – Higher fees and smaller choice regarding ETF savings plans (“Sparplan”)
      – Dividend fees if I’m not mistaken (not sure if’s the same for ETFs)

      I would go with Flatex instead personally.

      Hope this helps! 🙂
      Btw, hit me up if you need some help setting up a savings plan with Flatex for example.

      1. Tks a lot! That is what I was looking for
        And I really appreciate your offer, danke 🙂

  7. Hi Angelo, thank you very much for creating this blog space as well as your youtube video content, it’s very helpful!

    I have a couple of questions regarding using flatex for ETF’s, as I am completely new to ETF’s and investing in general.

    I reside mainly in Austria, however, currently, I am not here. And I saw that when opening my flatex account, you enter your address and it says Bitte geben Sie Ihre Adressdaten an (gemäß Ausweisdokument). So, I would still need to put in my Austrian Address, which sadly means I won’t receive important information to start off with?

    Also, I was wondering if you are planning to do a video or tutorial on how to buy ETS’s using flatex and your personal recommendations. I saw you have a video for Degiro, however, I recognized for Austrian residents it is more beneficial to use flatex? I am currently in Austria as a student, so I have a student residence permit, not sure if that changes anything?

    Thank you very much once again and have a great rest of your day!

  8. Thank you so much Angelo for this amazing post. I have been watching recently your videos on youtube and I am very interested.
    your way of investing is so simple and yet effective !
    Keep up the good work

  9. Hi Angelo,

    I’ve been reading your website and I find it very insightful! Thanks for sharing all these tips and info.

    I have a question. I want to open an account with DEGIRO and I am resident in Netherlands. I have a passive investment strategy and my idea is to make monthly transfers for long-term investment. I was really happy to get confirmation from what I read, as I also wanted to keep it simple and invest in the Vanguard FTSE All-World.

    Would DEGIRO charge a fee for my single monthly transfer?

    Thank you in advance!

    1. Hey Jerry,
      My pleasure, I’m glad to hear you like it!
      Degiro doesn’t charge anything for transfers to/from the account, if that’s what you mean.

      If you’re talking about monthly investments into the Vanguard FTSE All-World ETF, you can buy it commission free on Degiro: here’s the list and conditions

      This post/video might help as well.

  10. Dear friend i would like to start investing for the long term and i follow you to get more familiar with the subject and alsl educate myself more. I liked Degiro as a platform but unfortunately they don’t have Cyprus as a country of choice. My base is Cyprus. The only platform you suggest me then is interactive brokers? A bit more complicated than Degiro in terms of opening an account etc…
    Also i do most of my purchases of crypto through, is it something you suggest or you don’t like the platform?

    Thank you very much

  11. Hi Angelo,
    I hope you are okay in these hard times with Corona especially in Austria right now. I also live in Austria and I want to start with stocks and cryptos. I made an account on Flatex because they do my taxes for me so I do not have to worry about that. Can you recommend some of the Crypto sites that also do taxes in Austria for me? I have already invested some small amounts on Binance but still, I am not sure what I can do about taxes and all that. Thank you for your answer in advance.
    Best regards,

    1. Hi Petar, there is no tax-easy solution for crypto yet. The only option would be to for example buy a Bitcoin ETN/ETC via Flatex (eg. from Vaneck or 21Shares) – if you sell there, they’ll tax profits for you at the 27,5% KESt rate. Otherwise, I would just buy and hold and not do any crypto-crypto trades, to not over-complicate things. All of that should get a bit easier starting on March 1st, 2022, after which profits from crypto and stocks will be taxed at the same 27,5% rate. Bitpanda, the Austrian exchange, is planning to start taking care of Austrian taxes for investors in 2022 or 2023.

  12. Hi there. Do you know if there is a way to deposit Euro to my Binance account without a fee? They’ve taken away the option to deposit directly from bank account. 1.8% fee to deposit by card. Any help appreciated. Thanks.

  13. Hello Angelo,

    I was researching and deciding which ticker to buy from the ETF Vanguard FTSE All-World (ISIN: IE00BK5BQT80).
    I have found the following tickers available on Interactive Brokers:
    – VWRA is traded in USD in London (LSE)
    – VWRP is traded in GBP in London (LSE)
    – VWCE is traded in EUR in Germany (IBIS2)

    My question is, due to the fact that I am European based, should I go for the VWCE that trades in euros and avoid currency conversion charges?

    Thanks for your reply and for your contribution!

    1. Hi Antonio,
      Yes, buying VWCE traded directly in Euros is the best/easiest option and you save yourself the extra currency conversion. I do the same.
      This video could be helpful, as I discuss some of these things there (eg. finding the right ticker symbol and placing orders):
      My pleasure!