Math-honest personal finance for Croatia, Austria and the wider EU. Tax, brokers, insurance, and the part of banking my old compliance team would never let through a marketing review. Updated regularly.
Trade crypto through a Croatian d.o.o. and the gains are ordinary business income taxed at 10% (up to €1M revenue). Six interlocking layers — CIT, dividend tax, FIFO records, MiCA, DAC8, and the Austrian substance trap — decide whether this is a smart move or a costly one.
Read the full playbook →The two ETFs that quietly sit in advisor portfolios. TER, tracking error, and the conversation that happens when a client asks for them.
Coming soonForeign brokers don't deduct Austrian KESt for you. What to file, when, and the FIFO conversion that scares most people away from foreign brokers.
Coming soonTwo-apartment investor walking into a third unit vs. shifting €60k into a EUR-denominated ETF ladder. 20-year cumulative return, after taxes, after the EU mortgage cycle.
Coming soonThe five clauses that decide whether your Haushaltsversicherung pays out. With real examples from UNIQA, Wiener Städtische, Generali, Allianz, and Donau.
Coming soon