Author Topic: international student in Europe. Mid-term plan investment.  (Read 297 times)


  • 5 O'Clock Shadow
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  • Posts: 1
international student in Europe. Mid-term plan investment.
« on: July 29, 2018, 10:03:26 AM »
Hi all,

I am a South American student in the UK. My plan is to finish my studies and work in Europe in the short-mid term. I will finish my studies in 2-3 years, then I will probably work on 1-2 year projects around Europe (postdoc doing research). Lately, I have been reading this blog and books around FIRE and I want to start investing to gain a little bit of control over my future. I made an account on degiro but before investing I wanted to ask here for advice:

- If I begin investing in the UK, what happens when I move to Europe? Will I have to change my investments from pounds to euros? Will it be taxed? Should I wait?
- I do not have and probably will not have a free-tax account (like an ISA in the UK) since I am not a citizen. I think (not sure) that no matter the country, your dividends from your investments are taxed if you surpass a certain amount (e.g. the UK is more than 3k/year). At the beginning that would not be a problem for me since I am a student with a scholarship and I will just be starting investing, but soon or later I will have to pay taxes. Do you think it is still worth to invest under these conditions? or are the taxes too big that it's not worth it?

In summary, what is a good course of action for my case? Do you recommend me to invest?

More info about me:
Debt: zero.
Savings: 3500 pounds.
Earnings: 1200-1400 pounds per month. I can easily invest 200.

Thank you very much in advance.


  • Bristles
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  • Posts: 297
Re: international student in Europe. Mid-term plan investment.
« Reply #1 on: July 29, 2018, 10:13:17 AM »
I would double check the rules about ISA accounts. They may be based on residency, not citizenship.