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Investment Insights

Practical guides on portfolio tracking, dividends, and building long-term wealth.

A stack of printed quarterly reports on a pale oak desk beside a laptop and a brass pen in morning light, a visual for earnings season and your portfolio
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Earnings Season: What Q3 Results Mean for Your Portfolio

Earnings season started this week, and the first two big European reports already show its main lesson. On Monday 12 October, LVMH reported third-quarter sales...

Zune.Money Team9 min
October 15, 2026
Three porcelain insulators and a coiled copper cable on a pale oak desk beside a laptop with a teal chart, a power pylon outside the window, a visual for AI energy stocks in Europe
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AI Energy Stocks: Europe's Power Play Behind AI

AI energy stocks became the fallback trade of the week. On Thursday 8 October, a Financial Times report that OpenAI's annualised revenue was about $20 billion...

Zune.Money Team13 min
October 12, 2026
An iridescent silicon chip on a linen cloth on a pale oak desk, a laptop behind it showing a volatile teal stock chart, a visual for AI bubble fears and portfolio exposure
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AI Bubble Fears: How Exposed Is Your Portfolio?

The AI bubble question got a live test on Thursday 8 October. The Financial Times reported that OpenAI's annualised revenue was close to $50 billion, about $20...

Zune.Money Team8 min
October 10, 2026
A euro coin resting on a stack of bound government papers on a pale oak desk, Paris rooftops blurred behind, a visual for the French debt crisis and your portfolio
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French Debt Crisis: What It Means for Your Portfolio

The French debt crisis reaches a typical Degiro portfolio through three doors: the euro, your euro government bond ETF and French shares. Right now the first d...

Zune.Money Team11 min
October 6, 2026
Desk calculator, pencil and printed portfolio table beside an open laptop on a pale oak desk, a visual for how to analyze a portfolio with ChatGPT
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How to Analyze Your Portfolio With ChatGPT (Safely)

You can analyze your portfolio with ChatGPT, and for some questions it is a very good second opinion. It explains what a company does, spots concentration you...

Zune.Money Team11 min
October 5, 2026
Paper receipts and a printed portfolio return chart on a pale oak desk, a visual for eurozone inflation by country and real return
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Eurozone Inflation by Country and Your Real Return

Euro area inflation was 3.8% in September 2026, up from 3.2% in August. That average is not your number. Eurostat's flash estimate put the Netherlands at 3.0%...

Zune.Money Team8 min
October 4, 2026
Row of muted linen-bound ledgers on a pale oak shelf with a small brass padlock, representing tax-free investment accounts across Europe
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Tax-Free Investment Accounts in Europe: 2026 Country Guide

Europe now has seven different answers to one question: can you invest without being taxed on every gain? Sweden, France and Italy already have tax-free invest...

Zune.Money Team12 min
October 3, 2026
Teal and amber glass panels overlapping on a pale oak desk beside printed portfolio charts, a visual for ETF overlap and Magnificent 7 concentration
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ETF Overlap: How Much Mag 7 Is in Your Portfolio?

ETF overlap is when two or more of your funds own the same companies, so your real exposure to those companies is larger than any single line in your broker ac...

Zune.Money Team11 min
October 3, 2026
Investor leaning in to study a stock watchlist and price chart on a laptop at a wooden desk
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Dutch Stocks to Watch: A Guide for DEGIRO Investors

The Dutch stocks worth watching fall into four groups, and each one needs a different check before you buy. There are global giants that happen to list in Amst...

Zune.Money Team8 min
October 3, 2026
A portfolio performance tracker dashboard showing time-weighted and money-weighted returns for a Degiro account
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How to Track Portfolio Performance the Right Way

If your portfolio tracker only shows a single "profit" number, you are almost certainly measuring performance wrong. The figure most brokers display blends two...

Zune.Money Team9 min
July 11, 2026
Laptop showing a portfolio allocation chart with sector and country breakdowns on a light-wood desk, illustrating how to rebalance a portfolio after record stock market highs in 2026
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Rebalancing Your Portfolio at Record Highs (2026)

If your portfolio is sitting at an all-time high right now, it is probably also further from your target allocation than it has been in months. That is not a c...

Zune.Money Team9 min
July 8, 2026
Laptop showing a DEGIRO portfolio tracker dashboard with total return, dividends, and allocation next to a notebook
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How to Track Your DEGIRO Portfolio in 2026 (Full Guide)

DEGIRO's app shows you what your portfolio is worth right now and whether you're up or down against what you paid. Then it stops. To actually track your DEGIRO...

Zune.Money Team10 min
July 8, 2026
A smartphone showing a stock trading app next to a folded newspaper with market listings
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Trade Republic IPO Access: What Investors Need to Know

Trade Republic now lets its 8 million-plus users across 17 EU countries request shares directly in upcoming IPOs, before the stock starts trading on the open m...

Zune.Money Team7 min
July 5, 2026
Degiro portfolio analyzer dashboard showing total return, dividends, and allocation for a European stock portfolio
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Degiro Portfolio Analyzer: See Your True Returns

A degiro portfolio analyzer pulls your full transaction history, current prices, and dividend payments into one view so you can see your real total return, not...

Zune.Money Team8 min
June 26, 2026
Broker cash interest rates in Europe after the 2026 ECB rate hike, shown on a clean dashboard
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Best Broker Cash Rates in Europe After the ECB Hike

The European Central Bank raised rates on 11 June 2026, its first hike since 2023, pushing the deposit facility rate to 2.25%. For the first time in over a yea...

Zune.Money Team7 min
June 26, 2026
Laptop showing a falling oil price chart on a light-wood desk, illustrating the US-Iran deal stock market and energy impact
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US-Iran Deal: What It Means for Your Stocks and Oil

The US-Iran deal pushed the stock market to near-record highs and sent oil prices down nearly 5% in a single session. The S&P 500 climbed about 1.7%, the Nasda...

Zune.Money Team8 min
June 20, 2026
Laptop showing the SPCX SpaceX stock chart on a wood desk, the way a European investor would track a new US position
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How to Buy SpaceX Stock (SPCX) in Europe

For the first time, you can buy SpaceX stock through your normal brokerage account. The company listed on the Nasdaq under the ticker SPCX on 12 June 2026, pri...

Zune.Money Team8 min
June 20, 2026
Euro-area bond yield chart on a laptop on a light-wood desk, illustrating the ECB rate hike 2026 impact on a retail investor's portfolio
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ECB Rate Hike June 2026: What It Means for Your Portfolio

The ECB rate hike in June 2026 landed on 11 June: the deposit facility rate moved from 2.00% to 2.25%, effective 17 June. It was the first hike since the tight...

Zune.Money Team10 min
June 20, 2026
Laptop on a wood desk showing a European stock portfolio with strong upward performance in 2026
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European AI Stocks 2026: The Infrastructure Rally

European AI stocks have posted some of the largest gains anywhere in global equity markets this year. The Stoxx Europe Total Market Semiconductors index is up...

Zune.Money Team10 min
May 25, 2026
Clean desk with dividend statement, pen, and a cup of coffee in soft morning light
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Dividend Withholding Tax in Europe: What Every Investor Needs to Know (2026)

Your Degiro account shows a dividend payment. You check the stock's declared payout per share, multiply by your position size, and the number doesn't match. It...

Zune.Money Team11 min
May 25, 2026
Laptop on a clean wooden desk showing a broker comparison dashboard with portfolio charts
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Trade Republic vs Degiro 2026: Which Broker to Choose?

Trade Republic vs Degiro 2026: Which Broker Should European Investors Choose? Trade Republic and Degiro are the two most popular brokers for European retail in...

Zune.Money Team8 min
May 2, 2026
Laptop on a clean wood desk showing a portfolio tracker dashboard, representing sharesight alternatives for European investors
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Best Sharesight Alternative for European Investors (2026)

Sharesight is a solid portfolio tracker, but it has a specific problem for European investors: it was built for the Australian market. The pricing is in AUD, t...

Zune.Money Team9 min
April 27, 2026
Wooden desk with Dutch tulip in a vase, official document, and notebook in soft morning light
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Box 3: Netherlands' Wealth Tax Ruled Unconstitutional

On Christmas Eve 2021, Dutch investors got an unusual present. The Hoge Raad (Dutch Supreme Court) ruled that Box 3 — the country's wealth tax on savings and i...

Zune.Money Team13 min
April 27, 2026
Laptop on a wooden desk showing a dividend calendar with European stock holdings and monthly income chart
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Best Dividend Tracker for European Investors (2026)

Best Dividend Tracker for European Investors (2026) April is European dividend season. ING, ABN AMRO, Unilever, Heineken, ASML — most of the major names on Eur...

Zune.Money Team8 min
April 27, 2026
Split view of a cluttered spreadsheet versus a clean modern portfolio dashboard
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I Stopped Using Spreadsheets to Track My Portfolio — Here's What Changed

A note before we start: this is written by the Zune.Money team about our own product. It is our account of a switch we made, not an independent review, and you...

Zune.Money Team7 min
April 19, 2026
Euro coin and dollar bill showing currency drag on portfolio returns
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Your Portfolio Is Down — But Is It Really? How to Read Your Returns When the Euro Is Surging

You open your portfolio tracker on a Monday morning. Your US stocks are up in dollar terms. Apple gained 4%, Microsoft added 3%, the S&P 500 had a solid quarte...

Zune.Money Team9 min
April 19, 2026
A gavel beside EU stars representing the regulatory PFOF ban
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The PFOF Ban Is Coming in June 2026 — What Every European Retail Investor Needs to Know

If you use a European discount broker — Degiro, Trade Republic, Scalable Capital, or similar — there's a regulatory change heading your way that could alter ho...

Zune.Money Team11 min
April 19, 2026
European and American city skylines with contrasting stock chart overlays
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European Stocks Are Trading at a 40% Discount to the US — Is Now the Time to Rotate?

The S&P 500's Shiller CAPE ratio is sitting above 38. The only time it was higher in 140 years of market history was during the dotcom bubble. Meanwhile, Europ...

Zune.Money Team13 min
April 19, 2026
Magnifying glass revealing hidden fee line items on a financial document
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Degiro Fees Are Quietly Eating Your Returns — Here's the Full Breakdown for 2026

If you've been investing with Degiro for a while, you've probably noticed the occasional deduction in your account — a line item here, a currency conversion ch...

Zune.Money Team14 min
April 19, 2026
What Is Dollar-Cost Averaging? A Beginner's Guide for 2025
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What Is Dollar-Cost Averaging? A Beginner's Guide for 2025

Imagine stepping into the European stock market, eager to invest but overwhelmed by its ups and downs. The charts look like rollercoasters, and every news head...

ZuneMoney Team10 min
April 19, 2025
Trump Tariffs 2025: What Small European Stock Market Investors Need to Know
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Trump Tariffs 2025: What Small European Stock Market Investors Need to Know

Imagine waking up to news that your stock portfolio took a hit overnight, not because of a company's performance but because of a single policy decision halfwa...

ZuneMoney Team7 min
April 11, 2025
The Ultimate Diversification Guide for Small European Investors in 2025
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The Ultimate Diversification Guide for Small European Investors in 2025

Have you ever heard the saying, "Don't put all your eggs in one basket"? In the world of investing, that's the golden rule of diversification—and it's more imp...

ZuneMoney Team8 min
April 11, 2025
The Best Stock Tracker App According to Reddit: Why ZuneMoney Tops the List
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The Best Stock Tracker App According to Reddit: Why ZuneMoney Tops the List

Stepping into the stock market can feel like a rollercoaster—thrilling, nerve-wracking, and a bit daunting, especially for beginners. With countless tools vyin...

ZuneMoney Team7 min
April 4, 2025
Sustainable Investing in the Netherlands: Green Stocks and Real Estate in 2025
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Sustainable Investing in the Netherlands: Green Stocks and Real Estate in 2025

Imagine a world where your money grows while saving the planet. Sounds dreamy, right? Well, in the Netherlands in 2025, that dream is closer than ever. Sustain...

ZuneMoney Team8 min
March 22, 2025
Investing in Dutch Real Estate in 2025: Is It Still the Best Investment in the Netherlands?
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Investing in Dutch Real Estate in 2025: Is It Still the Best Investment in the Netherlands?

Investing in Dutch Real Estate in 2025: Is It Still the Best Investment in the Netherlands? Dutch Real Estate in 2025: What's Happening Now? As of March 2025,...

ZuneMoney Team4 min
March 22, 2025
Beat Inflation in the Netherlands: Investment Strategies for 2025
inflationnetherlands+3

Beat Inflation in the Netherlands: Investment Strategies for 2025

Inflation's like that uninvited guest who keeps eating your snacks—it's here, and it's not leaving quietly. In the Netherlands in 2025, prices are climbing fas...

ZuneMoney Team7 min
March 22, 2025

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