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About JJBerlin

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  • Location Berlin
  • Nationality Serbian
  1. It sounds like landlords' frugality more than anything else :D
  2. We moved to Germany last year from the Adriatic coast, and one of the biggest surprises was the lack of A/C in almost all buildings, public and private. Neither my workplace nor my husband's has A/C, and while looking for an apartment I could not find a single one that had it installed.  One thing that I did notice so far is that even when temperatures during the day are high, at least in Berlin, the nights are pleasantly cool, so sleeping is comfortable. It is going to be 37 degrees tomorrow, and it's only the end of June. We'll see how it goes. 
  3. Hi there,  I've also recently moved to Germany so I thought my experience could be helpful - I am not a financial advisor.  Before moving to Germany, I lived in Croatia, and the options that banks there were offering were not suitable for me because of the huge fees, and brokers demanded at least a 10.000 investment, which was too much for me. A good solution for me was ETFmatic: https://etfmatic.com/ They mostly work with Vanguard ETFs, and that's the only real bummer - you can't choose which specific fund the money is invested in, you just choose the country/territory/stock market. For example, if you want to buy US stock, they have Vanguard's S&P 500 that you can invest in. They also have some options for buying bonds (depending on how old you are, this might or might not be relevant for you).  Your portfolio can be in euros, pounds or dollars. You can use a SEPA transfer or debit card to fund your portfolio. They are based in the UK, so Brexit is another risk to factor in. The fees are 0.5 percent of your total investment yearly, on top of the fund's own fees, which does add up, but for us it was definitely worth it. Last year we achieved around 4 percent after fees, which I'm happy with since the timing of our investments was totally random, we just set aside some money from every paycheck and we experimented a lot with different products.  ETFs have really low fees, so the total yearly fee (ETFmatic + ETF itself) is something like 0.6: https://support.etfmatic.com/hc/en-gb/articles/115000614683-What-are-the-total-all-inclusive-fees- We are really happy with this so far because they are transparent and easy to use. I hope this was helpful! Good luck with your investments! Cheers,  Jelena