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.
- Lendermarket [1% Bonus, paid after 2 months]
- Viainvest [10€ Bonus]
- Robocash [1% Bonus, paid after 30 days]
- Iuvo Group [1,5% Bonus]
- Bondora Go & Grow [5€ Bonus]
- EvoEstate [0,5% Bonus for 6 months]
- EstateGuru [0,5% Bonus for 3 months]
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. They have some of the lowest trading fees on the market and even offer 200 ETFs which can be traded commission free (ETF list & conditions). Degiro is currently running a 50€ promotion for new accounts until September 30th, 2021 (details here)!
- CapTrader – The best way to get brokerage account on Interactive Brokers, one of the most reputable brokers in the world, without paying monthly inactivity fees. I transferred my TradeStation account over to them (here’s why) and I’ve been extremely happy that I made the switch. The only thing you need to know is that they have an account minimum of 2.000€.
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.
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 via margin lending.
I’m currently playing around with this as a way to generate extra returns on some of my cryptocurrencies and stablecoins like USDC.
- Celsius Network – The best crypto lending platform in my opinion. 80% of the generated profits (from lending out the digital assets against collateral) are paid out to investors, which can earn up to 13,30% APY on deposits. The weekly earnings are distributed every Monday and investors can withdraw their funds at any time. Celsius Network has a great team led by Alex Mashinsky and currently manages over $24 billion in digital assets. I also recommend checking out their weekly AMAs on YouTube. If you sign up using my Referral Code: 126404c61b you get a $50 bonus in Bitcoin added to your account after depositing $400 or more worth of crypto or stablecoins and keeping your money invested for 30 days. Note: I don’t think their CEL token has much use, so I prefer to earn everything “in-kind” on the platform, meaning I want the interest to be paid out in the same currency I am lending (eg. BTC on BTC, USDC on USDC etc.).
- 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.
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.
How to get a 50€ Bonus on Nuri (Limited Promo until November 20th, 2021!)
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.