How to Save for Real Estate Through a Brokerage Account: The Math and the Mechanics
Table of Contents Most advice on saving for an apartment boils down to two things: put aside 25-30% of your income and keep it in a deposit account. That works, but it’s slow, and it doesn’t answer the main question: exactly how much to set aside each month to reach a specific sum in five […]
Compliance for Cross-Border Transfers: What Banks Check and How to Pass the Review
Table of Contents A transfer between two countries goes through at least three checks: at the sending bank, at the correspondent bank, and at the receiving bank. Each has its own regulator, its own threshold, and its own risk logic. Money that leaves a Ukrainian bank without a question can sit on hold in Spain […]
How to Open a Company in the EU Without Leaving Ukraine
Table of Contents You can register an EU company from your couch in Dnipro or Lviv. Three working mechanisms make this possible: Estonian e-Residency, a qualified electronic signature for the Polish S24 system, and a notarized power of attorney with an apostille for the remaining countries. The registration itself takes days. The complexity starts afterward: […]
Buying property in Spain in 2026: the process, the taxes, and the paperwork for Ukrainians
Table of Contents Buying an apartment in Spain is not exactly complicated. Find one, agree a price, sign in front of a notary, register it. You can do it in just a few weeks. But there are some complications: The Golden Visa closed in April 2025, so property no longer buys residency at any price. […]
Capital Diversification in 2026: How Much to Keep in Ukraine, How Much Abroad
Table of Contents Imagine you have a million dollars and a ten-year horizon. How much would you leave in Ukraine? When a room of investors gets this question, most answer “50%,” and some vote for all 100%. After an hour of talking through the stock market, devaluation, and the structure of their own assets, almost […]
NBU Currency Liberalization and EU Compliance: How to Legally Transfer Money Abroad for Investment in 2026
Table of Contents NBU Resolution No. 90 has been in effect since August 11, 2026. The press called it the largest package of currency easing since the start of the war. A month later, investors summed it up: buying foreign currency got easier, transferring it to a foreign brokerage account remained just as hard as […]
IBKR vs Freedom24 vs Exante: what actually matters when choosing a broker from Ukraine
Table of Contents If you search for a comparison of these three brokers, you’ll find plenty of them. Most end with a recommendation and a signup link. That’s a common way to fund this kind of content. We’re not affiliated with any broker, we earn nothing if you open an account anywhere, and we’re not […]
ETFs: a complete guide for Ukrainians
Table of Contents An ETF is a fund that holds a basket of assets and trades on an exchange like a single share. Buy one, and you own a slice of everything inside it. You get diversification without picking anything, at a cost that’s usually a fraction of a percent a year. Which funds you […]
Interactive Brokers for Ukrainians: the complaints, and which ones matter
Table of Contents Most Ukrainians who want a foreign brokerage choose Interactive Brokers – by one estimate, around 90% of them. That makes the decision to register a significant one, and not only because of the money. You hand over a substantial amount of personal information before you can do anything at all: identity documents, […]
How to withdraw money from Interactive Brokers to Ukraine: fees, timing, taxes
Table of Contents Getting money out of Interactive Brokers is easier than getting it in. And this guide covers everything you should know about the process and the money involved. Where the money can go IBKR doesn’t hold hryvnia because its base currencies are dollars, euros, pounds, and a dozen or so others – UAH […]