Last Update: November 21st, 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 I use on a daily basis at the end of this page.
Let’s start with my investments in Peer-to-Peer Lending. Some of the platforms currently offer an investor bonus for new registrations using my links, which you can see in brackets next to their name.
- Lande [1% bonus on each investment, first 180 days]
- Viainvest [1% bonus, after 90 days]
- Lendermarket [1% bonus, after 60 days]
- Robocash [1% bonus, after 30 days]
- Mintos [50€ + 1% bonus until 30.11.2022]
- Income Marketplace [1% bonus, after 30 days]
- Esketit [1% bonus, first 90 days]
Here’s the full list of currently available bonus offers and their conditions in the P2P lending space:
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)
- Interactive Brokers – This one is my favorite. IBKR is one of the most trusted, most reputable brokers in the world, for good reason. Extremely low trading fees, no account fees (monthly inactivity fees were removed in July 2021!), no dividend fees and no share lending by default. You can’t go wrong with Interactive Brokers. I just wish it was a bit easier for beginners. Here’s my guide.
- Degiro – Probably the best known, low-cost broker in Europe. Degiro has some of the lowest trading fees on the market and offers 200 ETFs which can be traded at a reduced flat rate.
- 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. They’re now available in Austria, Germany, Belgium, Estonia, Ireland, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Slovakia, Slovenia, Czech Republic and Cyprus.
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. They just launched in Spain, France and Italy as well and are currently running a free share promotion. Definitely worth checking out if they’re available in your country.
- 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.
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 with a long history.
- 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 & Cards
Apart from my standard, slow bank account in Austria which costs me 5€/month (and which thus shall not be mentioned), here are three accounts I actually appreciate:
- Crypto.com – My wife and I are currently using the Ruby Steel VISA card for all of our expenses (details here). We get 1% cashback (in CRO) on every purchase, the card fully refunds our Spotify subscription every month (saving us about 155€/year) and has no card fees. You can use my referral code: t2pj8q8nmz to get $25 in CRO tokens if you want to get your own card.
- N26 – A free German bank account, protected up to 100.000€ due to N26’s European banking license. 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.
This part has nothing to do with my investments directly, but I figured it’s worth sharing as well.
Email & Privacy
- Protonmail – I moved everything from Gmail to Proton a few months ago and I couldn’t be happier with the switch. Emails are stored end-to-end encrypted and nobody except me is able to read what’s in my mailbox, not even employees at the company (unlike Google). I’m using the Mail Essentials business plan, which enables me to send and receive emails from three of my domains via Proton. You usually get the best deal by paying for 24 months in advance and switching the currency to USD. Proton also has an excellent VPN, which is included in some of their plans.
- Simplelogin – A fantastic email aliasing service, which I like to use in combination with my Protonmail account. Great for when you don’t want to hand out your real email address. Instead, you’re able to create up to 15 email aliases like email@example.com, which then forward emails to your actual inbox. The best part: You can reply to those emails via your inbox, while keeping your actual email hidden from the recipient (they see it as being sent from firstname.lastname@example.org). And you can easily delete any of your aliases whenever you want, to never receive emails from that source again. The free plan offers up to 15 active aliases, while you can create unlimited ones (+ use your own domains) via a paid plan. I’m using a paid plan currently. Note: Simplelogin was recently acquired by Proton, so I’m expecting them to be integrated into Proton’s paid subscriptions at no extra cost soon.
- Surfshark VPN – An excellent, low-cost 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 a lot better. 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.