Has anybody experience with Saxo or DeGiro ?
At the moment I am German banks for stock trading but want to diversify.
How does it work with Capital gains tax ?
In Germany 25% is automatically withdrawn by bank .
If you are rich nomad🏆, you do not need to read this and I am sorry I have no experience of those brokers and banks. Basically for maximize profit, reducing cost is the first step of investment. Because your real profit is the remaining balance after payment⛈.
Negative effects are
Margin 
BEST Margin Rates (2025)
If you pay 9.5% for ten years, you lose almost 95%.
Trade fees:open_umbrella:
https://www.thestreet.com/online-trading/compare-best-online-brokers.html
annual fee, fund transfer fee, subscription fee, fund management fee, ADR fee, internet fee, research fee, etc 
waste of your time i.e. junk stocks, daytrading, dollar-cost method, technical analysis, complex derivatives etc those increase your cost.
Positive effects are the interest and security insurance how much your broker guarrantees your total fund.
You could minimize the negative effect of tax by keeping stock as long as possible, especially of growing company:ox:
, and sell a part of it as much as you need to live your life. Tax is the rest of remaining profit after payment of your necessary expenses.
So you had better study hard to keep your money in your pocket first…
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