Every European investor in ETFs and stocks needs to be aware of this risk!
🇪🇺 Best broker in Europe (ETFs):

You may be shocked to hear how little is actually protected via the investor compensation scheme in Europe compared to the US, if a broker fails and is unable to return your shares in ETFs or stocks! Let’s take a closer look at this rarely discussed topic and find the best ways to protect our investments long-term!

My Favorite Brokers (ETFs, Stocks and Bonds):
🇪🇺 Interactive Brokers:
🇪🇺 Trade Republic (4% interest p.a.):
🇪🇺 Scalable Capital:
🇩🇪🇦🇹 Easiest for Germany & Austria:
👉 Compare ETFs & Stocks:

My Top 3 in P2P Lending:
📌 Esketit (0.5% bonus):
📌 Mintos:
📌 Viainvest (1% bonus):
💰 All P2P deals & conditions: ​​

Where I Buy Bitcoin & Ethereum:
⚡ Bitvavo (10€ bonus):

I Hold My Emergency Fund (Cash) Here:
🇪🇺 4% interest p.a. (€100K deposit guarantee!):

📈 What I Use to Track my ETFs:
🏠 All my investments & accounts:

Watch these next:
🎥 How to transfer ETFs between brokers:
🎥 ETF Taxes in Europe! (0-41%):
🎥 7 Years of ETF Investing: What I Learned:

00:00 You need to be aware of this risk as a European investor
02:10 The bank deposit guarantee
02:55 Two important layers of protection in addition to Investor compensation
06:35 What if everything fails and we need to rely on investor compensation schemes?
08:53 How can we protect our investments in stocks & ETFs?

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Some of the links are affiliate links, which help support me and the YouTube channel. Still, none of the links are sponsored.
Disclaimer: I am only sharing my own experience. I’m not a financial advisor and you should always do your own research and due diligence before investing. Investing involves risk of losses….(read more)

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When we think about risks, we often focus on the more obvious ones – financial risks, health risks, environmental risks. But there is one risk that is rarely talked about, yet is potentially the most dangerous of all: the risk of losing ourselves.

In today’s fast-paced, hyper-connected world, it’s easy to get caught up in the chaos and lose sight of who we really are. We are bombarded with messages and expectations from society, social media, and even ourselves, about who we should be, what we should do, and how we should look. We are constantly striving to fit in, to be successful, to be liked, all at the expense of our true selves.

This risk of losing ourselves is insidious and subtle. It creeps up on us slowly, as we compromise our values, passions, and dreams in an effort to conform to the expectations of others. We start to live our lives on autopilot, going through the motions without truly engaging with the world around us. We feel disconnected from ourselves, and from the people and things that truly matter to us.

The consequences of losing ourselves are profound. We may feel unfulfilled, empty, and discontented, wondering why we are not happy despite all our external achievements. We may struggle with anxiety, depression, and a sense of purposelessness. We may find ourselves trapped in unhealthy relationships, jobs, or habits, unable to break free and reclaim our true selves.

So how do we protect ourselves from this silent but deadly risk? The key is self-awareness. We need to take the time to reflect on who we are, what we value, and what truly matters to us. We need to listen to our inner voice, our intuition, and trust that it knows what is best for us. We need to set boundaries and say no to things that do not align with our values and goals. We need to be brave enough to be authentic and true to ourselves, even if it means going against the grain.

It’s time to have open and honest conversations about the risk of losing ourselves. It’s time to prioritize our own well-being and happiness above all else. It’s time to remember that the most important relationship we have is the one we have with ourselves. Let’s start talking about – and protecting ourselves from – this one risk that truly matters.