Marrying with different portfolios: merging UCITS without triggering taxable events (2026)
Marrying with different portfolios: merging UCITS without triggering taxable events (2026) – practical guide by Kestutis Balciunas.
How to combine funds into a portfolio that survives real life. This archive holds the allocation models — one-fund, three-fund, 60/40, core-satellite, couch potato — and the strategy guides for dividend income, factor tilts, rebalancing discipline and currency risk. The dividend shelf covers the funds and the mechanics: yield versus growth, withholding tax on distributions, and building an income stream from UCITS ETFs. The FIRE shelf runs from Coast FIRE viability by country to sequence-of-returns risk and European alternatives to the 4% rule. And because behaviour costs investors more than fees, the behavioural guides — panic-selling, recency bias, analysis paralysis — sit here too. Every strategy is expressed in UCITS funds a European can actually hold, with the tax angle referenced country by country.
Marrying with different portfolios: merging UCITS without triggering taxable events (2026) – practical guide by Kestutis Balciunas.
Withdrawing dividends vs selling shares in retirement: tax-efficiency by EU country (2026) – practical guide by Kestutis Balciunas.
Alternatives to the 4% rule: Guyton-Klinger and variable-percentage withdrawal (2026) – practical guide by Kestutis Balciunas.
Geographic arbitrage for EU FIRE: Portugal, Cyprus, Spain Beckham, Lithuania (2026) – practical guide by Kestutis Balciunas.
Coast FIRE in Europe: which countries make it viable (2026) – practical guide by Kestutis Balciunas.
Sequence-of-returns risk for European FIRE investors (2026) – practical guide by Kestutis Balciunas.
Snowball Analytics Review 2026: Portfolio & Dividend Tracker for European Investors – practical guide by Kestutis Balciunas.
Spain ETF tax 2026: capital gains, dividend tax, and the traspaso loophole – practical guide by Kestutis Balciunas.
ETF Savings Plans: Automating Wealth Building – practical guide by Kestutis Balciunas.
Free: the European ETF Starter Kit
What European investors need to check before buying their first UCITS ETF — free PDF, instant.