{"id":117601,"date":"2024-02-29T10:58:05","date_gmt":"2024-02-29T08:58:05","guid":{"rendered":"https:\/\/moneyminority.com\/?p=117601"},"modified":"2024-10-27T00:07:58","modified_gmt":"2024-10-26T22:07:58","slug":"priips-kids-problem","status":"publish","type":"post","link":"https:\/\/moneyminority.com\/en\/priips-kids-problem\/","title":{"rendered":"PRIIPs KIDs Problem: ETF Investment Ban for Small EU Countries &#8211; What&#8217;s Happening?"},"content":{"rendered":"\n<p>Being here <em>probably<\/em> means that you are one of the thousands of investors in <strong>VUAA<\/strong>, <strong>VUSA<\/strong> and <strong>VWCE<\/strong> through <strong>DEGIRO<\/strong>, and now you no longer can make any additional investments. Am I right?<\/p>\n\n\n\n<p>Don&#8217;t worry, you are not alone! We&#8217;re all screwed&#8230;<\/p>\n\n\n\n<p>Our dear European bureaucrats from Brussels, attempting to protect us, have\u2026 <strong>messed up!<\/strong><\/p>\n\n\n\n<p>With the recent change in European PRIIP legislation, brokerage platforms are<strong> not allowed<\/strong> to offer ETFs that are not accompanied by the <strong>KID document<\/strong> translated into the <strong>local language<\/strong> to retail investors.<\/p>\n\n\n\n<p><strong>What is a KID (Key Investor Document)? <\/strong>It is a document that contains key information about an ETF and is available to investors. Through it, they can get insight into where the ETF invests, the level of risk it takes, past performance, etc.<\/p>\n\n\n\n<p><strong>What does this mean?<\/strong><\/p>\n\n\n\n<p>If the ETF administration company <strong>fails <\/strong>to translate this document into the local language, investment platforms <strong>cannot <\/strong>trade it on that market.<\/p>\n\n\n\n<p>Subsequently, popular ETFs in which many people invested (such as VUAA, VUSA and Vanguard&#8217;s VWCE) are <strong>no<\/strong> longer available in small European countries such as Chezh Republic, Greece and Slovenia.<\/p>\n\n\n\n<p>Unfortunately, fund administrators choose not to deal with small markets, so this document remains untranslated, therefore it cannot be sold in these markets.<\/p>\n\n\n\n<p>In today&#8217;s article, you will read:<\/p>\n\n\n\n<ul id=\"top\" class=\"wp-block-list\">\n<li><a href=\"#priips\" data-type=\"internal\" data-id=\"#priips\">How to overcome the problem?<\/a> \u2192<\/li>\n\n\n\n<li><a href=\"#vuaa\" data-type=\"internal\" data-id=\"#vuaa\">Alternative to investing in VUAA\/VUSA<\/a> \u2192<\/li>\n\n\n\n<li><a href=\"#vwce\" data-type=\"internal\" data-id=\"#vwce\">Alternative to investing in VWCE<\/a> \u2192<\/li>\n\n\n\n<li><a href=\"#degiroie\" data-type=\"internal\" data-id=\"#degiroie\">How do I open an account with Irish DEGIRO?<\/a> \u2192<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"priips\"><strong>How can you overcome the problem of PRIIPs?<\/strong><\/h2>\n\n\n\n<p>You have two alternatives:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#bypass\" data-type=\"internal\" data-id=\"#bypass\">Bypassing the legislation<\/a> \u2192<\/li>\n\n\n\n<li><a href=\"#alternative\" data-type=\"internal\" data-id=\"#alternative\">Finding an alternative compliant solution<\/a> \u2192<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>#1 Bypassing legislation<\/strong><\/h3>\n\n\n\n<p>You can bypass European legislation and buy ETFs not accompanied by a translated KID in your local language.<\/p>\n\n\n\n<p>You can do this in two ways:<\/p>\n\n\n\n<p><strong>Option #1:<\/strong> Some platforms, such as <a href=\"http:\/\/el.freedom24.com\/invite?utm_campaign=pfu1647273\" target=\"_blank\" data-type=\"link\" data-id=\"el.freedom24.com\/invite?utm_campaign=pfu1647273\" rel=\"noreferrer noopener nofollow sponsored\">Freedom24<\/a>, continue to offer all ETFs without restricting access to anyone. This means that VUAA, VUSA, VWCE and many more ETFs remain available to be purchased without any restrictions.<\/p>\n\n\n\n<p>Are they choosing to bypass the legislation? Are they choosing to ignore it? Is there any additional risk with this move? I don&#8217;t know.<\/p>\n\n\n\n<p><strong>Option #2:<\/strong> On other platforms, you can bypass the ban if you create an investment account under another platform branch, specifically one in an English-speaking country.<\/p>\n\n\n\n<p>For example, if you open an account under the<strong> Irish <a href=\"http:\/\/degiro.ie\/lp\/shares?tap_a=55085-1884cc&amp;tap_s=626404-f163bf&amp;utm_source=moneyminority&amp;utm_campaign=DEGIRO+Ireland&amp;utm_medium=a&amp;utm_content=shares_lp\" target=\"_blank\" data-type=\"link\" data-id=\"degiro.ie\/lp\/shares?tap_a=55085-1884cc&amp;tap_s=626404-f163bf&amp;utm_source=moneyminority&amp;utm_campaign=DEGIRO+Ireland&amp;utm_medium=a&amp;utm_content=shares_lp\" rel=\"noreferrer noopener nofollow sponsored\">DEGIRO<\/a><\/strong>, you can access all ETFs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"degiroie\"><strong>How do I open an account with Irish DEGIRO?<\/strong><\/h3>\n\n\n\n<p>The process is simple:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Log in to <a href=\"http:\/\/degiro.ie\/lp\/shares?tap_a=55085-1884cc&amp;tap_s=626404-f163bf&amp;utm_source=moneyminority&amp;utm_campaign=DEGIRO+Ireland&amp;utm_medium=a&amp;utm_content=shares_lp\" target=\"_blank\" data-type=\"link\" data-id=\"degiro.ie\/lp\/shares?tap_a=55085-1884cc&amp;tap_s=626404-f163bf&amp;utm_source=moneyminority&amp;utm_campaign=DEGIRO+Ireland&amp;utm_medium=a&amp;utm_content=shares_lp\" rel=\"noreferrer noopener nofollow sponsored\">Degiro.ie<\/a><\/li>\n\n\n\n<li>Create an account using <strong>exactly <\/strong>the same personal details as your local account (email, VAT, name, address, etc.)<\/li>\n\n\n\n<li>Tadaaah! Now you are granted access to all ETFs!<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-right\" style=\"font-size:14px\"><a title=\"\" href=\"#top\">\u2191 Back to Top<\/a><\/p>\n\n\n\n<p id=\"degirochoices\"><strong>What happens to the ETFs you already purchased from your local account at DEGIRO?<\/strong><\/p>\n\n\n\n<p>There are three solutions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Hold them:<\/strong> As you are not forced to sell, you can continue holding your positions in the local account and achieve greater diversification &#8211; <em>on the trading platforms level<\/em>. Any new purchases can be made from the Irish account.<\/li>\n\n\n\n<li><strong>Sell them:<\/strong> You liquidate all your positions, withdraw the money to your bank, send it to the new Irish account and buy the same products again. This way you will have to pay some trading and bank transfer commissions, and you will need to make the corresponding amendments to your tax return.<\/li>\n\n\n\n<li><strong>Transfer internally:<\/strong> You can contact DEGIRO (via mail) and request an internal transfer of your assets with a corresponding request. There is a fee of <strong>\u20ac7 per position<\/strong> (not per piece). To proceed, the personal details of the new account must be <strong>identical<\/strong> to the old account.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-right\" style=\"font-size:14px\"><a title=\"\" href=\"#top\">\u2191 Back to Top<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"alternative\"><strong>#2 Alternative solutions<\/strong><\/h3>\n\n\n\n<p>And by alternatives, I mean choosing ETFs whose fund administration companies have issued corresponding KIDs to your local language and can be traded as normal.<\/p>\n\n\n\n<p>Unfortunately, you won&#8217;t find the most popular options like VUAA, VUSA and VWCE, but\u2026 I have some <strong>better alternatives<\/strong> for you!<\/p>\n\n\n\n<p style=\"font-size:15px\">Luckily for us, the market always tends to fill any gap arising, so there are alternatives.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#vuaa\" data-type=\"internal\" data-id=\"#vuaa\">VUAA\/VUSA alternative <\/a>\u2192<\/li>\n\n\n\n<li><a href=\"#vwce\" data-type=\"internal\" data-id=\"#vwce\">VWCE alternative<\/a> \u2192<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"vuaa\"><strong>How do I invest in an alternative to VUAA?<\/strong><\/h4>\n\n\n\n<p><strong>Xtrackers <\/strong>(DWS), a fund manager from Germany, created a similar ETF to VUAA in 2022. It&#8217;s called <a href=\"http:\/\/etf.dws.com\/en-lu\/IE000Z9SJA06-s-p-500-ucits-etf-4c\/\" data-type=\"link\" data-id=\"etf.dws.com\/en-lu\/IE000Z9SJA06-s-p-500-ucits-etf-4c\/\" target=\"_blank\" rel=\"noreferrer noopener\">S&amp;P 500 UCITS ETF<\/a> and&#8230; guess what&#8230; it successfully tracks the S&amp;P500 index! You can find it under the ticker symbols of <strong>XDPU <\/strong>(or <strong>XDPC<\/strong>, <strong>XDPE<\/strong>, <strong>XDPG<\/strong>).<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"font-size:15px\"><table><tbody><tr><td><strong>Fund manager:<\/strong><\/td><td>Xtrackers<\/td><\/tr><tr><td><strong>Index:<\/strong><\/td><td>S&amp;P500<\/td><\/tr><tr><td><strong>Composition:<\/strong><\/td><td>100% stocks<\/td><\/tr><tr><td><strong>Dividends:<\/strong><\/td><td>Accumulating<\/td><\/tr><tr><td><strong>Cost (TER):<\/strong><\/td><td>0.06% \/year<\/td><\/tr><tr><td><strong>How do I invest?<\/strong><\/td><td>via <a href=\"https:\/\/moneyminority.com\/recommends\/saxo-bank-new-pricing\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow sponsored\">Saxo Bank<\/a><\/td><\/tr><tr><td><strong>XDPU tax:<\/strong><\/td><td>0% (UCITS)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Is it better than VUAA?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>It&#8217;s cheaper:<\/strong> the VUAA has annual management fees (TER) of 0.07%, while the XDPU has only <strong>0.06%<\/strong>.<\/li>\n\n\n\n<li><strong>It has a lower price:<\/strong> Without being a substantial advantage, a lower price enables investors with smaller amounts of initial investment capital to acquire it.<\/li>\n\n\n\n<li><strong>It is compliant:<\/strong> it is available to retail investors from small countries and can be found on Saxo Bank&#8217;s platform.<\/li>\n<\/ol>\n\n\n\n<p>You will find it available on 4 stock exchanges:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\ud83c\uddec\ud83c\udde7 London with ticker: <strong>XDPG<\/strong> and ISIN: <strong>IE00BM67HX07<\/strong> in GBP<\/li>\n\n\n\n<li>\ud83c\udde8\ud83c\udded Zurich with ticker: <strong>XDPC <\/strong>and ISIN: <strong>IE00B8KMSQ34<\/strong> in Swiss francs (CHF)<\/li>\n\n\n\n<li>\ud83c\udde9\ud83c\uddea Frankfurt with ticker: <strong>XDPE <\/strong>and ISIN: <strong>IE00BM67HW99 <\/strong>in Euro (EUR)<\/li>\n\n\n\n<li>\ud83c\uddee\ud83c\uddf9 Milan with ticker: <strong>XDPU <\/strong>and ISIN: <strong>IE000Z9SJA06 <\/strong>in Euro (EUR)<\/li>\n<\/ol>\n\n\n\n<p><strong>Where to buy it from?<\/strong> You&#8217;ll find it available at <a href=\"http:\/\/moneyminority.com\/recommends\/saxo-bank-new-pricing\/\" target=\"_blank\" data-type=\"link\" data-id=\"moneyminority.com\/recommends\/saxo-bank-new-pricing\/\" rel=\"noreferrer noopener nofollow sponsored\">Saxo Bank&#8217;s<\/a> investment bank, and you&#8217;ll get the lowest fees if you choose the Milan or Frankfurt stock exchange. See, step by step, <a href=\"https:\/\/moneyminority.com\/en\/saxo-bank-guide\/#buy\" data-type=\"link\" data-id=\"https:\/\/moneyminority.com\/en\/saxo-bank-guide\/#buy\" target=\"_blank\" rel=\"noreferrer noopener\">how to invest<\/a> \u2192<\/p>\n\n\n\n<p class=\"has-text-align-right\" style=\"font-size:14px\"><a title=\"\" href=\"#top\">\u2191 Back to Top<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"vwce\"><strong>How do I invest in an alternative to VWCE?<\/strong><\/h4>\n\n\n\n<p>Two possible alternatives:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"text-decoration: underline;\">MSCI World UCITS ETF 1C<\/span> from Xtrackers with Ticker: <strong>XDWD <\/strong>and ISIN: <strong>IE00BJ0KDQ92<\/strong><\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">MSCI AC World ESG Screened UCITS ETF 1C<\/span> from Xtrackers with Ticker: <strong>XMAW <\/strong>and ISIN: <strong>IE00BGHQ0G80<\/strong><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"font-size:15px\"><table><tbody><tr><td><\/td><td><strong>XDWD<\/strong><\/td><td><strong>XMAW<\/strong><\/td><\/tr><tr><td><strong>Fund manager:<\/strong><\/td><td>Xtrackers<\/td><td>Xtrackers<\/td><\/tr><tr><td><strong>Index:<\/strong><\/td><td>MSCI World<\/td><td>MSCI ACWI Select ESG Screened<\/td><\/tr><tr><td><strong>Composition:<\/strong><\/td><td>1,484 stocks<\/td><td>2,046 stocks<\/td><\/tr><tr><td><strong>Dividends:<\/strong><\/td><td>Reinvestment<\/td><td>Reinvestment<\/td><\/tr><tr><td><strong>Cost (TER):<\/strong><\/td><td>0.25% <em><em>annually<\/em><\/em><\/td><td>0.25% <em><em>anually<\/em><\/em><\/td><\/tr><tr><td><strong>How do I invest?<\/strong><\/td><td>via <a href=\"https:\/\/moneyminority.com\/recommends\/saxo-bank-new-pricing\/\">Saxo Bank<\/a><\/td><td>via <a href=\"https:\/\/moneyminority.com\/recommends\/saxo-bank-new-pricing\/\">Saxo Bank<\/a><\/td><\/tr><tr><td><strong>Ticker:<\/strong><\/td><td>XDWD<\/td><td>XMAW<\/td><\/tr><tr><td><strong>ISIN:<\/strong><\/td><td>IE00BJ0KDQ92<\/td><td>IE00BGHQ0G80<\/td><\/tr><tr><td><strong>Tax:<\/strong><\/td><td>0% (UCITS)<\/td><td>0% (UCITS)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is my opinion?<\/strong><\/h2>\n\n\n\n<p>The new rule doesn&#8217;t make any sense to me!<\/p>\n\n\n\n<p>Were we waiting to read the translated KID document to avoid making investment mistakes? Is this what will prevent someone from gambling their money?<\/p>\n\n\n\n<p>After all, give me the option to take responsibility by agreeing that <em>&#8220;Yes, I can read English and am OK to take the risk that goes with some of the more heavily regulated investment vehicles like ETFs&#8221;.<\/em><\/p>\n\n\n\n<p>Three things in my mind:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The administrative companies do the translations<\/li>\n\n\n\n<li>The legislation changes<\/li>\n\n\n\n<li>We&#8217;re proceeding as is\u2026<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"300\" src=\"http:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin.png\" alt=\"Frequently Asked Questions for investing with small money\" class=\"wp-image-112173\" style=\"width:292px;height:auto\" srcset=\"https:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin.png 800w, https:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin-300x113.png 300w, https:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin-768x288.png 768w, https:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin-175x66.png 175w, https:\/\/moneyminority.com\/wp-content\/uploads\/2023\/11\/\u03a3\u03c5\u03c7\u03bd\u03ad\u03c2-\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2-\u03b3\u03b9\u03b1-\u03c4\u03b7\u03bd-\u03b1\u03b3\u03bf\u03c1\u03ac-Bitcoin-450x169.png 450w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"faq\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-center has-regular-font-size\">Here are some of the most frequently asked questions on the internet about the problem of PRIIPs and ETFs in DEGIRO:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>VUAA in DEGIRO: Can I buy it?<\/strong><\/h3>\n\n\n\n<p>As it stands now, Vanguard&#8217;s ETF VUAA, <strong>is unavailable<\/strong> to investors that come from small EU countries due to the untranslated KID document. You can purchase the ETF by creating an <a href=\"#degiroie\" data-type=\"internal\" data-id=\"#degiroie\">account at DEGIRO.IE<\/a> \u2192<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>VWCE at DEGIRO: Can I buy it?<\/strong><\/h3>\n\n\n\n<p>No, Vanguard&#8217;s <strong>VWCE <\/strong>ETF i<strong>s unavailable<\/strong> to investors from small countries through DEGIRO due to the untranslated KID document. You can purchase the ETF by creating an <a href=\"#degiroie\" data-type=\"internal\" data-id=\"#degiroie\">account with Irish DEGIRO<\/a> \u2192<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Is there an alternative to VUAA and VUSA?<\/strong><\/h3>\n\n\n\n<p>Yes. Take a look at the <a href=\"http:\/\/etf.dws.com\/en-lu\/IE000Z9SJA06-s-p-500-ucits-etf-4c\/\" data-type=\"link\" data-id=\"etf.dws.com\/en-lu\/IE000Z9SJA06-s-p-500-ucits-etf-4c\/\" target=\"_blank\" rel=\"noreferrer noopener\">S&amp;P 500 UCITS ETF<\/a> from <strong>Xtrackers <\/strong>(DWS). It tracks the S&amp;P500 index, is cheaper than VUAA, and you&#8217;ll find it with the ticker symbols of <strong>XDPU <\/strong>(or <strong>XDPC<\/strong>, <strong>XDPE<\/strong>, <strong>XDPG<\/strong>). You can find it at <a href=\"https:\/\/moneyminority.com\/en\/saxo-bank-guide\/\" target=\"_blank\" data-type=\"link\" data-id=\"moneyminority.com\/en\/saxo-bank\/\" rel=\"noreferrer noopener nofollow sponsored\">Saxo Bank<\/a> \u2192<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Is there an alternative to VWCE?<\/strong><\/h3>\n\n\n\n<p>Yes. Take a look at the MSCI World UCITS ETF 1C (<strong>XDWD <\/strong>and ISIN: <strong>IE00BJ0KDQ92<\/strong>) and the MSCI AC World ESG Screened UCITS ETF 1C (<strong>XMAW <\/strong>and ISIN: <strong>IE00BGHQ0G80<\/strong>) from Xtrackers. You can find both at <a href=\"https:\/\/moneyminority.com\/en\/saxo-bank-guide\/\" data-type=\"link\" data-id=\"https:\/\/moneyminority.com\/en\/saxo-bank-guide\/\">Saxo Bank <\/a>\u2192 <\/p>\n\n\n\n<p class=\"has-text-align-right\" style=\"font-size:14px\"><a title=\"\" href=\"#top\">\u2191 Back to Top<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>More to read on ETFs:<\/strong><\/h2>\n\n\n\n<p>If you want to read more about ETFs (and beyond), take a look at the articles below:<\/p>\n\n\n\n\t\t\t<div class=\"wp-block-uagb-post-carousel uagb-post-grid  uagb-post__image-position-top uagb-post__image-enabled uagb-block-76c5b42b     uagb-post__arrow-outside uagb-post__items uagb-post__columns-2 is-carousel uagb-post__columns-tablet-2 uagb-post__columns-mobile-1\" data-total=\"0\" style=\"\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"uagb-post__no-posts\">\n\t\t\t\t\t\tNo post found!\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<p><em>Don&#8217;t forget that investing involves risk. You may lose part or all of your fortune.<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em><strong>Risk Disclaimer:<\/strong><br>I am&nbsp;<strong>NOT<\/strong>&nbsp;a professional investment advisor and the following is&nbsp;<strong>NOT<\/strong>&nbsp;an investment recommendation but is my personal experience and opinions.<br>Keep in mind that always&nbsp;<strong>investing = risk.<\/strong><br>Only invest money that you are willing to lose!<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em><strong>Affiliate Disclaimer:<\/strong><br>The above links to the services listed may be affiliate links. If you use the service through them then you are helping MoneyMinority to continue to exist, at no extra cost to you.<br>Feel free not to use them if you do not wish to.<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\">Read more about&nbsp;<strong><a href=\"https:\/\/moneyminority.com\/en\/blog-affiliate-disclaimers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Risk &amp; Affiliate Disclaimers of MoneyMinority<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being here probably means that you are one of the thousands of investors in VUAA, VUSA and VWCE through DEGIRO, and now you no longer can make any additional investments. Am I right? Don&#8217;t worry, you are not alone! We&#8217;re all screwed&#8230; Our dear European bureaucrats from Brussels, attempting to protect us, have\u2026 messed up!<\/p>\n","protected":false},"author":1,"featured_media":117151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[349],"tags":[],"table_tags":[],"class_list":{"0":"post-117601","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing"},"uagb_featured_image_src":{"full":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9.png",1280,720,false],"thumbnail":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-150x150.png",150,150,true],"medium":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-300x169.png",300,169,true],"medium_large":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-768x432.png",768,432,true],"large":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-1024x576.png",770,433,true],"1536x1536":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9.png",1280,720,false],"2048x2048":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9.png",1280,720,false],"cheerup-small":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-175x98.png",175,98,true],"cheerup-medium":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-450x253.png",450,253,true],"cheerup-full":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-1170x658.png",1170,658,true],"cheerup-viewport":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9.png",1280,720,false],"cheerup-768":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-768x432.png",768,432,true],"post-thumbnail":["https:\/\/moneyminority.com\/wp-content\/uploads\/2024\/02\/\u03a0\u03c1\u03cc\u03b2\u03bb\u03b7\u03bc\u03b1-PRIIPs-\u0391\u03c0\u03b1\u03b3\u03cc\u03c1\u03b5\u03c5\u03c3\u03b7-\u0395\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd-\u03c3\u03b5-ETFs-\u03b1\u03c0\u03cc-\u0395\u03bb\u03bb\u03ac\u03b4\u03b1-\u03a4\u03b9-\u03a3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9-270x180.png",270,180,true]},"uagb_author_info":{"display_name":"Sterg","author_link":"https:\/\/moneyminority.com\/en\/author\/stergioskstergiou\/"},"uagb_comment_info":4,"uagb_excerpt":"Being here probably means that you are one of the thousands of investors in VUAA, VUSA and VWCE through DEGIRO, and now you no longer can make any additional investments. Am I right? Don&#8217;t worry, you are not alone! We&#8217;re all screwed&#8230; Our dear European bureaucrats from Brussels, attempting to protect us, have\u2026 messed up!","_links":{"self":[{"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/posts\/117601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/comments?post=117601"}],"version-history":[{"count":5,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/posts\/117601\/revisions"}],"predecessor-version":[{"id":119656,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/posts\/117601\/revisions\/119656"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/media\/117151"}],"wp:attachment":[{"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/media?parent=117601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/categories?post=117601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/tags?post=117601"},{"taxonomy":"table_tags","embeddable":true,"href":"https:\/\/moneyminority.com\/en\/wp-json\/wp\/v2\/table_tags?post=117601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}