This is the public corrections log for Financial Expert Class. When something material published on this site turns out to be wrong — a tax rate, a broker fee, a regulatory claim, a promise the site itself did not keep — the fix is recorded here, dated, newest first. Cosmetic fixes (typos, broken formatting, image swaps) are made silently; logging them would bury the corrections that matter.
What qualifies as a correction
- A wrong or outdated number: tax rates, fees, TERs, yields, protection caps.
- A wrong claim of fact: regulatory status, product availability, how a rule works.
- A trust failure by the site itself: labels or dates that implied more verification than actually happened. Those get logged here too — transparency that excludes ourselves is decoration.
How to report an error
Email [email protected] with a subject line starting “Correction:”, the article URL, the sentence or figure you believe is wrong, and (ideally) a link to the primary source that shows the right answer. Confirmed corrections are fixed in the article, noted in its Updates section, and added to this log. The full workflow, including response times, is on the editorial process page.
Corrections log
| Date | Where | What was wrong | Fixed to | Source |
|---|---|---|---|---|
| 2026-09-09 | The VHYL factsheet | The key-facts table gave VHYL’s ISIN as IE00BK5BR733. That ISIN is the Vanguard FTSE Emerging Markets UCITS ETF (Acc) — a different fund with a different purpose. Anyone who copied it into a broker search would have bought an emerging-markets accumulating fund instead of the global dividend income fund the page recommends. | VHYL (Dist) is IE00B8GKDB10. The correction is also flagged in the article itself rather than swapped silently, so readers who acted on the old ISIN can check what they actually hold. | justETF IE00B8GKDB10 |
| 2026-09-09 | The VHYL factsheet | The page put VHYL’s gross dividend yield at “around 3–3.5%” and built a worked income example on it: €200,000 producing €7,000 a year. It also told readers in its FAQ that no accumulating version of the fund exists. Holdings were given as “~1,800+”. | Distribution yield 2.42% at 31 July 2026, so the same €200,000 produces about €4,840 gross, not €7,000 — a gap of over €3,000 a year for anyone budgeting retirement income. An accumulating share class does exist: IE00BK5BR626, same index, same 0.29% TER. Holdings 2,349. | justETF |
| 2026-09-09 | The best Invesco ETFs guide | The page credited “the Invesco QQQ ETF” with beating the S&P 500 in seven of ten years “as of June 2025”, and quoted a five-year return of 99.48%. That is the US-listed Invesco QQQ Trust, which EU retail investors cannot buy for want of a PRIIPs key information document — on a page written for European investors. Four fund sizes were also understated, one by a factor of three, and EQQQ was credited with 101 holdings. | The QQQ/EQQQ distinction is now explained instead of the performance boast. Fund sizes corrected against justETF: Invesco S&P 500 EUR 37,545m (was “over €28.3bn”), EQQQ EUR 11,826m (was €8.9bn) with 103 holdings, EURO STOXX High Dividend Low Volatility EUR 589m (was €194m), US Health Care EUR 478m (was €293m). Five undated or 2025-dated trailing returns were removed rather than refreshed. | justETF ISIN profiles |
| 2026-09-09 | The MINT and XEOD guide | The page recommended MINT — an unhedged US dollar fund — to euro-based investors as inflation protection, listing “USD Exposure: provides natural hedge against EUR weakness during inflationary periods” as one of its mechanisms. For a euro investor that is a bet on EUR/USD, a pair that can move more in a quarter than the fund yields in a year, recommended for money being held as cash. | Corrected in the open, with the original claim quoted rather than deleted. The page now states plainly that neither MINT nor XEOD is an inflation hedge — both are cash-management tools — and that MINT’s dollar exposure is a currency position to take knowingly, not safe money. Both ISINs added (MINT IE00B67B7N93, XEOD LU0335044896) and two stale fund sizes refreshed. | justETF IE00B67B7N93 |
| 2026-09-09 | The best broker for Polish investors | The guide argued that the IKE/IKZE wrapper, not the commission, decides the Polish broker choice — then gave the combined annual limit as “roughly 36,000 PLN” in three places, and never stated either wrapper’s own limit. The combined figure is wrong for 2026. | For 2026 the IKE limit is 28 260 zł and the IKZE limit 11 304 zł (16 956 zł for the self-employed), so 39 564 zł combined, or 45 216 zł self-employed. A limits table with both source documents was added. | M.P. 2025 poz. 1202 and poz. 1156 |
| 2026-08-26 | Two pages: Romania ETF tax 2026 and best broker for Romanian investors | The Romania tax guide contained no real Romanian tax rates. Its worked example ran on figures it described in the text as fiction — “an illustrative rate of 10%”, “a reduced illustrative rate of 1%” — followed by “the exact rates here are invented to show the mechanism” and a blanket “Every specific rate and rule in this guide is illustrative.” The broker guide inherited the same gap, describing the holding-period benefit as a historical tendency with no number and framing local-versus-foreign brokers as convenience against cost | Both pages now carry the statutory rates. Through a Romanian intermediary: 3% on a gain from securities acquired and sold over a period of 365 days or more, 6% below that, withheld at source and final. Through any other broker: a flat 16% on the annual net gain, self-declared, with no holding-period reduction at all — a distinction both pages previously blurred. Dividends are 16% from 1 January 2026. The worked example was recomputed on a €6,000 gain: €180 at 3%, €360 at 6%, €960 at 16%. Two further points were added because they change the decision: losses realised through a Romanian intermediary are final and cannot be carried forward (art. 97(8⁵)), and lots are matched first in, first out per symbol. The health contribution (CASS) is deliberately not quantified here — no primary source for its current base and thresholds could be retrieved, so no figure is asserted | Legea 239/2025 as published by ANAF (static.anaf.ro, fetched 200 on 2026-08-26): art. XII pt. 12 replacing Fiscal Code art. 97 alin. (8¹), and pt. 16 replacing art. 123 alin. (1²) — “prin aplicarea cotei de 16% asupra câștigului net anual impozabil”; in force 1 January 2026 (art. XIII). Legea 141/2025 art. II pt. 5 for the 16% dividend rate. Art. 97 alin. (8²)–(8⁵) read from ANAF’s own reproduction of Legea 142/2022 |
| 2026-08-26 | Seven assets: tax-loss harvesting, QQQ3 DCA strategy, VUSA vs CSPX vs VUAA, dividends vs selling shares, mortgage vs invest, and Masterclass lessons 5.1 (EU tax map) and 5.5 (Benelux & France) | All seven still told readers Belgium levies no capital gains tax on equity funds — “Belgian investors enjoy 0% tax on stock ETF appreciation regardless of holding period”, “equity sales tax-free”, “Belgium’s no-CGT-on-equity”, a comparison table row reading “0% on equity gains”, and a paid lesson headed “Belgium — no CGT on equity funds”. A site-wide sweep on 24 August 2026 recorded that it had added the new 10% rate “to every affected claim”; it had not, and these survived | Belgium has taxed capital gains on financial assets, ETFs included, since 1 January 2026: 10% on realised gains, with the first €10,000 of gains each year exempt, and assets bought before 2026 taking their 31 December 2025 value as cost base so pre-2026 growth is not caught. Dependent conclusions were reworked rather than patched: tax-loss harvesting now has a purpose in Belgium where the page said it had none, and the decision-matrix row that needed a genuine 0% rate was moved to Czechia’s three-year exemption rather than restated at a rate that is no longer zero. Selling shares still beats collecting dividends there — 10% above an exemption against 30% on every euro of dividend — but it is no longer free | FOD Financiën, Meerwaardebelasting (fin.belgium.be, fetched 200 on 2026-08-26): “Verkoopt u vanaf 1 januari 2026 financiële activa … met winst? Dan betaalt u meestal een meerwaardebelasting van 10 %”; “De eerste schijf van 10.000 euro (aanslagjaar 2027) … is jaarlijks vrijgesteld”; the ‘fotomoment’ of 31 December 2025. The same page lists “trackers” among the assets in scope |
| 2026-08-26 | Two paid Masterclass lessons: 5.1 (EU tax map) and 5.7 (Nordics & CEE) | Both described Slovakia as a clean one-year exemption — “Slovakia exempts after 1 year” and a table row reading “1-year exemption on listed securities — even friendlier clock”. The two live tax tools had already retracted that claim; the paid lessons had not | The exemption is narrower than its reputation on both axes. §9(1)(k) of Act 595/2003 sets two one-year tests — one running from your purchase, one from the security’s admission to a regulated market — and reaches only a §8(1)(e) transfer of securities, in practice an on-exchange sale. Redeeming fund units with the fund is §7(1)(g) capital income at a flat 19% with no clock at any horizon. A taxable Slovak disposal also carries the 16% health levy on the same gain, so the combined bite is roughly 32%, not 19%. Both lessons now match what the comparator and the tax-free clock say | slov-lex consolidated Act 595/2003 in force 1 January 2026: §9(1)(k) “po uplynutí jedného roka od ich nadobudnutia, ak doba medzi ich prijatím na regulovaný trh … a predajom presiahne jeden rok”; §7(1)(g) “príjmy z podielových listov dosiahnuté z ich vyplatenia (vrátenia)”. Health levy: Act 580/2004 transitional §38ezk, 16% for 1 January 2026 – 31 December 2027 |
| 2026-08-26 | Four posts and one paid lesson: ETF tax-efficiency guide, best broker for Spanish investors, geographic arbitrage & FIRE, dividends vs selling shares, and Masterclass lesson 5.6 (Southern Europe) | All five showed the Spanish savings-income scale as topping out at 28% — as a band table ending “27% €200,000–300,000; 28% above”, as a range “19%–28% depending on the band”, and as a paid lesson heading. The top band had already risen two years earlier | The scale is 19 / 21 / 23 / 27 / 30%, with 30% above €300,000 since 1 January 2025. The two band tables were restructured rather than having a range string swapped: the €200,000–300,000 row was confirmed at 27% against the scale itself and a new top band added | BOE consolidated Ley 35/2006 del IRPF (boe.es, fetched 200 on 2026-08-26): art. 66(1) state scale 9,5 / 10,5 / 11,5 / 13,5 / 15% over 0–6.000 / 6.000–50.000 / 50.000–200.000 / 200.000–300.000 / “En adelante”, mirrored by the autonomic scale in art. 76; art. 66(2) prints the combined 19 / 21 / 23 / 27 / 30% directly. “Se modifica, con efectos desde el 1 de enero de 2025, por la disposición final 7.1 de la Ley 7/2024” |
| 2026-08-26 | Two posts: buy-and-hold ETF strategy and ETF tax-efficiency guide | One said “Portugal: No capital gains tax for residents after certain holding periods”. There is no holding period at which Portuguese capital gains tax reaches zero. The other cited the wrong provision, stating that 50% of the gain is taxable if held over two years — that is art. 43(3) CIRS, which covers shares in micro and small unlisted companies, not listed securities or fund units | Portugal taxes the net gain at 28% (art. 72(1)(c) CIRS) with a partial exclusion, never an exemption: art. 43(5) excludes 10% of the gain above 2 years, 20% from 5 years and 30% from 8 — effective rates of 25.2%, 22.4% and 19.6%. Art. 43(5) covers listed securities and units in open-ended collective investment undertakings expressly. Held under 365 days, top-bracket taxpayers must aggregate at their marginal rate instead (art. 72(14)) | Autoridade Tributária, CIRS arts. 43 and 72 (info.portaldasfinancas.gov.pt, both fetched 200 on 2026-08-26): “São excluídos da tributação 10 % do rendimento quando resultem de ativos detidos por um período superior a 2 anos e inferior a 5 anos”, with 20% at 5–8 years and 30% from 8; “São tributados à taxa autónoma de 28 %” |
| 2026-08-26 | Nine pages: ETF tax-efficiency guide, rebalancing strategy, assurance-vie vs PEA vs CTO, ETF savings plans, dividend-growth ETFs, VUAA, Irish vs Luxembourg domicile, Lithuania ETF tax, and Masterclass lesson 5.5 (Benelux & France) | These pages still carried the pre-2026 French figures — a 30% flat tax (PFU) and 17.2% social charges — after the same correction had already been made in the France guides and in the two tax tools. Three of them ran worked examples off the stale rate: a €108,000 gain shown as costing €32,400 on a CTO, a €4,000 gain shown as €688 of social charges and €1,200 of PFU. One FAQ answer said the PEA offers “0% tax after 5 years”, which it does not — social charges survive the five-year clock | The PFU is 31.4% from 1 January 2026 (12.8% income tax + 18.6% social levies), the CSG on investment income having risen 1.4 points to 10.6% under the 2026 social-security financing law. Social charges on a PEA are 18.6%, not 17.2%. Every worked example was recomputed: €33,912 and €224,088 net; €744 and €1,256. The PEA is now described as exempt from income tax after five years, with 18.6% social charges remaining. One deliberate exception was preserved rather than swept: assurance-vie was carved out of the CSG rise and keeps 17.2%, so its column now says so explicitly instead of inheriting the new rate | Service-Public, Évolution du taux du Prélèvement Forfaitaire Unique: “Le taux de la CSG ayant évolué de 1,4 point au 1er janvier 2026, le PFU se compose ainsi depuis cette date : 12,8 % d’impôt sur le revenu ; 18,6 % de prélèvements sociaux”; service-public.gouv.fr fiche F2329 (PEA), which sets out the same 10,6 % CSG + 0,5 % CRDS + 7,5 % prélèvement de solidarité = 18,6 % on PEA gains |
| 2026-08-26 | Five places: Sweden ISK guide, best broker for Swedish investors, tax-advantaged accounts compared, the EU ETF tax dataset and its CSV, and Masterclass lesson 5.7 (Nordics & CEE) | None of them mentioned the Swedish ISK’s tax-free base. The ISK guide worked its examples off an assumed 2.0% statslåneränta (a 3.0% deemed return), producing a 9,000 SEK levy on a 1,000,000 SEK account and “roughly 0.9% of account value”. The accounts comparison said the effective tax “has worked out to somewhere around 1% of account value” and that Sweden “has been phasing in a tax-free floor” without naming it. The dataset row gave the formula but no base at all | For 2026 the statslåneränta was 2.55% on 30 November 2025, so the schablonintäkt rate is 3.55% and the tax is 30% of that — 1.065% a year. And the tax-free base rose to SEK 300,000 on 1 January 2026 (SEK 150,000 for 2025): only the capital base above it is charged, one allowance per person, shared across ISK, kapitalförsäkring and PEPP savings. Every figure downstream was recomputed — the million-krona account now shows 35,500 SEK of schablonintäkt less a 10,650 SEK deduction, 24,850 SEK taxable, 7,455 SEK of tax (about 0.75%), and the three-scenario comparison table, the floor and high-rate illustrations, the key takeaways, two FAQ answers and their JSON-LD mirrors follow from it | Skatteverket, Investeringssparkonto (ISK): “Den 30 november 2025 var statslåneräntan 2,55 procent”; “Om ditt sammanlagda sparande är över 300 000 kronor ska du betala skatt på den del som överstiger 300 000 kronor”; “Avdraget får högst uppgå till 300 000 kronor multiplicerat med statslåneräntan den 30 november året före inkomståret plus en (1) procentenhet, men aldrig lägre än 1,25 procent” |
| 2026-08-26 | Four places: Hungary TBSZ guide, tax-advantaged accounts compared, the EU ETF tax dataset and its CSV, and Masterclass lesson 5.7 (Nordics & CEE) | All four gave the TBSZ ladder as 0% after five years, about 10% between years three and five, and the full 15% before that. That ladder counts only personal income tax. The TBSZ guide’s worked example put a €15,000 gain at €1,500 of tax on a years-3–5 exit, and its FAQ said only that “a reduced rate applies” | Social contribution tax (szocho) has applied inside the wrapper since 1 January 2025, for contracts concluded from that date, so the real ladder is 0% / 18% / 28%: 0% at five full years, 18% at three (10% szja + 8% szocho) and 28% before three (15% + 13%). Contracts opened before 2025 keep the old 0/10/15, and every page now says which applies. The worked example was recomputed to €2,700 at years 3–5 and €4,200 on an early exit, with the pre-2025 figures shown alongside, and the two FAQ answers and their JSON-LD mirrors were rewritten to match | NAV, A tartós befektetésből származó jövedelem szochokötelezettsége: “2025. január 1-től szociális hozzájárulási adót (szocho) kell fizetni a tartós befektetési számla hozama után, ha a lekötési időszak nem éri el az öt évet” (Szocho tv. 1. § (5) g); base per Szja tv. 67/B. § (5) c; the Szocho tv. 2. § (2) payment cap does not apply to TBSZ income |
| 2026-08-26 | Masterclass lesson 5.7 (Nordics & CEE) — the only page on the site that still stated Romanian rates. The public Romania ETF tax guide and Romanian broker guide state no rates at all and so were not affected | The lesson’s CEE table gave Romania as “10% standard” with “reduced 1%/3% withheld rates” through a Romanian intermediary (3% under a year, 1% over). Both halves were superseded on 1 January 2026 | The annual self-assessed rate is 16% for 2026, and through a Romanian intermediary the tax is withheld at source at 3% for securities held 365 days or more and 6% for shorter holdings | Romanian Fiscal Code art. 123 alin. (1²) as replaced by Law 239/2025, art. XII pt. 16: “prin aplicarea cotei de 16% asupra câştigului net anual impozabil determinat potrivit prevederilor art. 119”, in force 1 January 2026 per art. XIII(1)(a); art. 97 alin. (8¹) as replaced by pt. 12 for the 3%/6% withholding, applying to transfers from 1 January 2026 per art. XIII(2)(c) (ANAF, Legea 239/2025) |
| 2026-08-26 | Four pages: buy-and-hold strategy, investing in the S&P 500 from Europe, QYLD vs JEPQ, and Masterclass lesson 5.6 (Southern Europe) | Each presented Greece as tax-free for UCITS — “0% capital gains tax on UCITS ETFs”, “0% on UCITS gains in Greece”, Greece grouped with Bulgaria as a country that “potentially eliminates taxes on appreciation”, and a Masterclass section headed “the quiet exemption” telling readers to “verify, then enjoy”. The exemption is narrower than any of that | Art. 103(5) of Law 4099/2012 exempts holders of UCITS authorised in Greece. On its wording that does not reach an Irish- or Luxembourg-domiciled ETF, which is what this audience holds, and no provision could be found that settles the position for a foreign-domiciled UCITS. All four pages now state the condition instead of a zero and tell readers to confirm their own position with AADE or a Greek adviser. Where a listed foreign fund might still escape, the Masterclass lesson names the actual route — art. 42(1) of the Income Tax Code charges gains on listed securities only above a 0.5% shareholding — as a separate rule with a separate condition, not as the UCITS exemption. The same sentence on the QYLD/JEPQ page also still described Belgium as eliminating tax on appreciation, so it now carries Belgium’s 10% capital-gains tax in force from 1 January 2026 | Law 4099/2012 art. 103(5): “… των ΟΣΕΚΑ που εχουν λαβει αδεια συστασης η λειτουργιας στην Ελλαδα, απαλλασσονται απο καθε φορο …”; Income Tax Code (Law 4172/2013) art. 42(1)(b) for the 0.5% listed-shareholding condition |
| 2026-08-26 | European capital-gains tax comparator and Tax-Free Clock | A second sweep the same day found five more country rows overtaken by 2026 law, and one error introduced by the correction pass a few hours earlier. The tools had France at 30%, Spain topping out at 28%, Sweden with an unqualified ~1%/yr ISK levy, and Hungary’s TBSZ ladder at 0/10/15% — and Romania’s note said a non-Romanian broker means self-declaring at 10%. Separately, the earlier pass had just added a CZK 40 million annual cap to Czechia’s three-year exemption, which was true for 2025 but had already been repealed | France corrected to 31.4% (12.8% income tax plus 18.6% social levies, the CSG on investment income having risen to 10.6% on 1 January 2026). Spain’s top savings band corrected from 28% to 30% above €300,000. Sweden now states the 2026 position: the first SEK 300,000 of account value is free, above which a 3.55% schablonintäkt is taxed at 30%, about 1.065% a year. Hungary’s TBSZ now shows 0% at five years and 18% at three (10% income tax plus 8% social contribution tax) for contracts opened from 1 January 2025, with the pre-2025 0/10/15% noted. Romania’s self-declared annual rate corrected to 16%. And the Czech cap was removed again: it was abolished for securities on 1 January 2026 and survives only for crypto-assets, so both tools now say the three-year exemption is uncapped | Czech Financial Administration, Daňové novinky pro rok 2026: “Od 1. ledna 2026 se ruší limit 40 milionů korun pro osvobození příjmů fyzických osob z prodeje cenných papírů a obchodních podílů”; impots.gouv.fr (PFU “taux global est de 31,4 %”); Agencia Tributaria IRPF savings scale (top state band 15% above €300,000, mirrored by the autonomic scale); Skatteverket (“Från och med 1 januari 2026 höjs den skattefria grundnivån till 300 000 kronor”); Hungarian Act LII of 2018 §§ 1(5)(g), 2(1a), 36/I; Romanian Fiscal Code art. 123(1²) as amended by Law 239/2025 |
| 2026-08-26 | European capital-gains tax comparator and Tax-Free Clock | Both tools presented Slovakia as a clean one-year exemption, and the Tax-Free Clock called it “Europe’s friendliest” and stated that “ETFs qualify”. Two things were wrong. § 9(1)(k) of Act 595/2003 sets two one-year tests, not one — more than a year since acquisition and more than a year between the security’s admission to a regulated market and the sale — and it reaches only a transfer of securities under § 8(1)(e). Redeeming units in a collective investment fund is a different income type altogether: § 7(1)(g) capital income, taxed at a flat 19% however long it was held. The tools also showed 19% as the cost of selling before the clock ran out, omitting the health-insurance levy that applies to the same income | Both tools now state the two tests, restrict the exemption to an on-exchange sale, and say plainly that a fund-unit redemption carries no holding-period relief at any horizon. The Tax-Free Clock no longer declares a completed Slovak clock “tax-free”: it reports the clock as complete but the answer as conditional, with the condition shown. The pre-exemption rate is now modelled at about 32% — a 16% health levy plus 19% income tax on the gain net of that levy — instead of 19% | Act 595/2003 Z. z. §§ 7(1)(g), 8(1)(e), 8(12), 9(1)(k), 15(a)(4); Act 580/2004 Z. z. §§ 10b(1), 12(1)(b), 13(7), 38ezk — consolidated texts in force 1 January 2026 (slov-lex.sk) |
| 2026-08-26 | European capital-gains tax comparator and Tax-Free Clock | Both tools listed Malta as tax-free, the comparator describing it as “long-term listed gains generally untaxed for individuals” and the FAQ as “Malta (long-term individual gains)”. Malta has no holding-period rule for capital gains at all, and the listed-security exemption does not reach fund units | Malta is no longer shown as a flat zero. The tool now states that art. 5(6)(b) of the Income Tax Act exempts listed shares “not being securities in a collective investment scheme”, that units in a collective investment scheme are securities under the definition in the same article (so a UCITS ETF falls outside the exemption), that art. 5(6)(c) covers scheme securities only in a prescribed fund, and that what actually makes Malta tax-free is domicile — art. 4(1) charges no tax on capital gains arising outside Malta for a person not ordinarily resident or not domiciled there | Income Tax Act (Cap. 123) arts. 4(1) proviso (ii), 5(1), 5(6)(b), 5(6)(c), 41A(b) — consolidated text, legislation.mt |
| 2026-08-26 | European capital-gains tax comparator and Tax-Free Clock | Both tools listed Greece as tax-free for UCITS funds — the comparator scoring it at €0 with “UCITS gains currently exempt”, the Tax-Free Clock listing it among the countries where the clock starts at zero. The Greek exemption is narrower than that | Neither tool now promises zero. Both state that art. 103(5) of Law 4099/2012 exempts holders of UCITS “που εχουν λαβει αδεια συστασης η λειτουργιας στην Ελλαδα” — authorised in Greece — and that on its wording this does not reach an Irish- or Luxembourg-domiciled ETF, which is what most European investors hold. We could not find a provision that settles the position for a foreign-domiciled UCITS, so the row is flagged rather than scored, and readers are told to take local advice | Law 4099/2012 art. 103(5); Income Tax Code (Law 4172/2013) art. 42(1), whose list of taxable “titles” does not name collective-investment units (AADE e-library) |
| 2026-08-26 | European capital-gains tax comparator | The comparator scored Belgium at €0 with the note “No CGT on plain equity UCITS”. A general capital-gains tax has applied in Belgium since 1 January 2026, and this site’s own EU ETF tax dataset had already been corrected for it on 24 August 2026 — the tool was left behind | Belgium is now modelled at 10% on realised gains above the €10,000 annual exemption, with pre-2026 gains grandfathered at their 31 December 2025 value, and has been removed from the tool’s “completely tax-free” answer | Belgian programme law introducing the general capital-gains contribution from 1 January 2026 (Belgisch Staatsblad / Moniteur belge); cross-checked against this site’s EU ETF tax dataset |
| 2026-08-26 | European capital-gains tax comparator and Tax-Free Clock | Luxembourg’s €500 speculative threshold was presented as though it were an allowance, with the tools showing only “exempt after 6 months” and a marginal rate before that | Both tools now state that art. 99bis(2) LIR is a cliff: if total speculative profit for the calendar year stays below €500 none of it is taxable, but reaching €500 makes the whole amount taxable, not just the excess | Loi modifiée du 4 décembre 1967 concernant l’impôt sur le revenu (L.I.R.) art. 99bis(2) |
| 2026-08-26 | European capital-gains tax comparator | Four country rates in the comparator had been overtaken by 2026 law. Ireland was scored at 38% but the page’s own headline still quoted a €4,100 maximum, which is 41% of a €10,000 gain. Romania was scored at 1% / 3%. Lithuania applied a flat 15% to every holding period. Czechia’s three-year exemption was shown as unlimited | Ireland confirmed at 38% from 1 January 2026 and the headline range corrected to €0–€3,800. Romania raised to 3% (365 days or more) and 6% (under 365 days) for transfers from 1 January 2026. Lithuania now models the 2026 reform: 15% above the €500 annual exemption only on holdings of more than five years, with shorter holdings aggregating into income at 20/25/32% | Irish Revenue Tax and Duty Manual Part 27-01A-02 (updated January 2026), implementing s. 37 Finance Act 2025; Romanian Fiscal Code art. 97(8¹) as amended by Law 239/2025 (ANAF); Czech Ministry of Finance, 2025 changes; Lithuanian figures cross-checked against this site’s EU ETF tax dataset |
| 2026-08-24 | QQQ3 leveraged ETP guide | Described regular purchases of QQQ3 — a 3× daily-reset leveraged ETP — as units that “later compound at 3× speed”, under a heading called “Compounding Edge”. That is backwards: the 3× multiple applies to a single day, after which the product resets, so multi-day returns are path-dependent and can be negative even when the index finishes flat. Volatility decay appeared only as a one-line aside, and the page was structured to sell the product before disclosing its risks | Page rewritten. The daily reset and volatility decay are now explained first, with the arithmetic worked through (an index that falls 10% then rises 11.1% is flat; a 3× daily product ends −6.7%). Added the financing and fee drag (0.75% management fee plus a 0.0065% daily swap rate, roughly 3.2% a year), the drawdown maths, WisdomTree’s own statement that these products suit short-term holding and need daily monitoring, and an explicit statement that dollar-cost averaging does not neutralise any of it. The “Best Results” title and the promotional framing were removed | WisdomTree QQQ3 factsheet (31 Jul 2026); FCA, Complex exchange traded products (Jan 2026); ESMA/2014/937 |
| 2026-08-24 | EU ETF tax dataset (CSV download) | The downloadable CSV stated Germany’s 2026 Vorabpauschale Basiszins as 2.55% while the table on the same page said 3.20% — the data asset disagreed with its own page. Three further rows carried figures corrected elsewhere on the site but never propagated to the dataset: Belgium as having no general capital-gains tax, Lithuania on its pre-2026 flat rate split, and Italy with an “8-year deemed disposal on broker transfers” rule | CSV regenerated directly from the on-page table so the two cannot diverge again, and re-uploaded at the same download URL. Basiszins 3.20% in both. Belgium now states the general 10% capital-gains tax in force from 1 January 2026 (€10,000 annual exemption, pre-2026 gains grandfathered) and the 0.12%/1.32% TOB tiers. Lithuania now reflects the 2026 reform. Italy’s 8-year rule removed — it does not exist in Italian law (it is an Irish-resident rule); same-name broker transfers carry the cost basis across | BMF-Schreiben of 13 Jan 2026; national tax authorities linked per row in the dataset |
| 2026-08-24 | Site-wide figure sweep (89 articles & pages) | Six figure classes corrected earlier in individual guides still appeared in older articles: France 17.2% social charges / 30% PFU, Belgian “no capital-gains tax” claims, VWCE’s 0.22% TER, Germany’s 2026 Basiszins quoted at ~2.55%, and Ireland’s 41% exit tax | Swept the full site: France 18.6% social / 31.4% PFU (PLFSS 2026); Belgium’s 10% capital-gains tax above €10,000 (in force 1 Jan 2026) added to every affected claim; VWCE 0.14% with fee comparisons and worked examples recomputed; Basiszins 3.20% (BMF, 13 Jan 2026) with examples recomputed; Ireland 38% (Budget 2026). 82 posts and 7 pages updated | Same authorities as the original corrections above |
| 2026-08-21 | Cannabis ETFs guide | Presented CBDX and FLWR as live funds (“both funds remain sub-€20m in AUM as of mid-2026”) — both UCITS cannabis ETFs were closed years earlier | Prominent closure note added: FLWR’s final trading day was December 2023 (ARK/Rize) and CBDX has been liquidated by HANetf; article reframed as a historical case study | justETF / ETF Stream |
| 2026-08-21 | VWCE fee across 3 articles | Cited VWCE’s TER as 0.22% (also in the international-ETF guide and the XDWD review) — superseded by Vanguard’s two fee cuts | 0.14% since 28 July 2026 (0.22% → 0.19% in Oct 2025 → 0.14%); AUM figures refreshed and cost examples recomputed in all three articles | Vanguard / ETF Express, justETF |
| 2026-08-21 | Emergency fund guide | Showed the current ECB deposit rate as ~2.00% | 2.25% — the ECB hiked 25 bp on 11 June 2026 (effective 17 June), its first raise since 2023 | ECB monetary policy decision 11.06.2026 |
| 2026-08-21 | Freedom24 S&P 500 guide | Described Freedom24’s second plan as “Prime” with a 0.25% volume fee | The plan is now All-Inclusive with a 0.50%-of-volume fee; worked example recomputed (€3.88 → €6.38) | Freedom24 tariffs / investingintheweb |
| 2026-08-21 | Scalable Capital safety review | Called the German investor-compensation backstop for securities a “€100,000” scheme | The statutory scheme covers 90% of a claim up to a maximum of €20,000 (the €100,000 figure is the separate cash deposit guarantee) | EdW / AnlEntG |
| 2026-08-21 | ETF regulatory updates | Stated as fact that “ETFs now pause if NAV tracking error exceeds 3%” — no such uniform rule could be sourced | Claim hedged to indicative venue-level calibration pending a verifiable source | Internal fact-check, Aug 2026 |
| 2026-08-21 | France PEA optimization | Cited 17.2% social charges / 30% PFU (superseded 1 Jan 2026) and pre-2019 withdrawal rules (partial withdrawal at 5–8 years shown as closing the plan); pre-5-year closure rate misstated as 22.2% | 18.6% social charges and 31.4% PFU per PLFSS 2026; post-Pacte rules (withdrawals after 5 years leave the plan open); worked examples recomputed | PLFSS 2026 / service-public.fr |
| 2026-08-21 | Belgium Reynders tax | Stated Belgium has no general capital gains tax on equity funds — superseded by the new regime in force 1 January 2026 | Added the general 10% capital-gains tax (annual €10,000 exemption, pre-2026 gains grandfathered); Reynders mechanics unchanged; TOB clarified to the 0.12%/1.32% tiers | FOD Financiën / EY & PwC Belgium |
| 2026-08-21 | Italy ETF tax | Described an “8-year deemed disposal” rule taxing Italian broker transfers of long-held UCITS — no such rule exists in Italian law (it conflated Ireland’s 8-year rule) | Section rewritten: same-name securities transfers carry the cost basis and are not taxable; title and meta description corrected | Agenzia delle Entrate / Fiscomania |
| 2026-08-21 | Lithuania ETF tax | Described the pre-2026 regime (flat 15% on all securities gains, 20% above 120 VDU) as the 2026 rules | 2026 reform: non-qualifying gains aggregate into 20/25/32% brackets (36/60 VDU); dividends, 5-year-plus holdings and investment-account withdrawals stay at 15%; €500 exemption unchanged | VMI / KPMG flash alert 2025-202 |
| 2026-08-21 | Lithuanian III pillar | Presented the GPM contribution deduction as generally available in 2026 | Deduction applies only to contracts concluded by 31 Dec 2024 (grandfathered to 2034); contracts from 2025 get no relief | VMI / Sodra pension reform notes |
| 2026-08-21 | Germany Vorabpauschale | Used ~2.55% as the 2026 Basiszins and computed the €50,000 example at €165 | Official 2026 Basiszins is 3.20% (BMF letter 13 Jan 2026); example recomputed to €207 | Bundesfinanzministerium BMF-Schreiben 13.01.2026 |
| 2026-08-21 | Spain ETF tax | Cited “Article 28” as the traspaso legal basis and attributed ETF exclusion to broker-system recognition | Article 94 Ley 35/2006; ETFs statutorily excluded from the deferral by Ley 11/2021 (from 2022); France comparison updated to 18.6% | Agencia Tributaria / BOE Ley 11/2021 |
| 2026-08-21 | Ireland ETF tax: deemed disposal | Stated the pre-Budget-2026 exit-tax rate of 41% throughout, including a worked example (€6,560) | 38% per Budget 2026; example corrected to €6,080 | Revenue.ie / Budget 2026 |
| 21 Aug 2026 | Site-wide (all articles) | Every article displayed a “Last reviewed” date, including articles where no documented human re-verification had taken place — the label promised more checking than had actually happened. | Articles now show “Published” (or “Updated” after substantive edits); a “Reviewed” date renders only when a logged re-verification of the article’s figures exists. The log mechanics are described in the editorial process. | Internal editorial audit, Aug 2026 |
| 24 Jul 2026 | Ireland ETF tax coverage, e.g. Shares vs ETFs in Ireland | The Irish ETF exit-tax rate was cited as 41% — correct for earlier years, but superseded once Budget 2026 cut the rate. | 38%, effective January 2026 (Budget 2026), with the former 41% noted as historical context. Verified in a fact-check pass of the site’s high-stakes tax figures. | Revenue (revenue.ie) / Budget 2026 |
| 24 Jul 2026 | 9 articles with external authority citations | 10 citation links to authority sources (IRS, ESMA ×2, EBA ×2, FCA, gov.uk, EURES, XTB, EdW) pointed to dead or moved pages, so readers could not verify the claims they backed. | Each dead link replaced with the live equivalent page on the same authority, verified resolving at the time of the fix. | Site link audit, Jul 2026 |
A note on scope
This log starts in July 2026. Errors fixed before the log existed were handled in per-article Updates notes where they were caught; they are not retroactively reconstructed here, because a log entry I cannot document would itself be a fabrication. Going forward, every material correction lands on this page. The standards this log enforces are documented in the broker rating, ETF comparison and tax example methodology pages.
Risk disclaimer: Investing always involves the risk of losing your capital. Past performance and predictions do not guarantee future results. Do your own research and consider consulting a qualified financial advisor before making any investment decisions.