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European acronyms

Acronyms, it’s like governments and organisations have a subscription on them. The United States love to use them for their agencies: FBI, CSI, NCIS, FCC, etc.
We are in the same boat here in Europe. Our institutions have wonderful names such as: ESMA, OPCW or NATO.
In turn these (European) institutions also like to use them for their regulations. It are these regulations and organisations that I’d like to clarify. Since there are quite a few that specifically impact investors/traders, I created this series.

  1. 01How to Buy US ETFs as a European with PRIIPs RegulationMost retail investors that trade on their own already noticed starting 2018. As a European, it’s not possible to buy US-based Exchange Traded Funds (ETF) anymore. If you were trying to find out how to get these US-based ETFs in Europe, I hate to burst your bubble, but there is no straight forward for this after a new ETF regulation in Europe (no, options aren’t straightforward). The major culprit? PRIIPs.
  2. 02MiFID II Simplified For You: How EU better protects Retail InvestorsThe who, what, why of MiFID, Market in Financial Instruments Directive. Rules aiming to increases transparency in the European Union's financial market.
  3. 03How PSD2 will make banking more beneficial for youIsn't it frustrating to see how something like having your bank statements be automatically imported into your favorite banking app isn't possible because the banks aren't opening up? Well, Europe has you covered. With the new Payment Services Directive (Directive 2015/2366, 2015), usually shortened to PSD2.
PRIIPs regulation printed on the side of a ring folder

How to Buy US ETFs as a European with PRIIPs Regulation

Last Updated on January 27, 2022 by Mr. FightToFIRE
Most European retail investors trading on their own already noticed early in 2018. As a European, it’s not possible to buy US-based Exchange Traded Funds (ETF) anymore. Funds such as SPY, IVV, QQQ, VT, and many others are unavailable. The major culprit? PRIIPs, which stands for Packaged Retail and Insurance-based Investment Products. So what can we do? Well, let us have a closer look.

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PSD2 explained

How PSD2 will make banking more beneficial for you

Last Updated on July 12, 2020 by Mr. FightToFIRE
Isn’t it frustrating to see how something simple like your various bank statements are still separate per bank. Wouldn’t it be great to automatically import them into your favorite banking app? Well, Europe has you covered. With the new Payment Services Directive (Directive 2015/2366, 2015), usually shortened to PSD2.

Read more
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