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Revolut - Freedom

  Do i need to submit a W-8BEN form to revolut to have my ass covered like i did at Freedom24? Yes, JOHN—you absolutely do. Just like with Freedom24, Revolut requires submission of the W-8BEN form if you're investing in U.S. securities . Here's the breakdown: ๐Ÿงพ Why the W-8BEN Matters Certifies you're not a U.S. person for tax purposes. Activates treaty benefits —Greece has a tax treaty with the U.S. that reduces the default 30% withholding tax on dividends. Protects your yield : Without it, you’d get hit with the full withholding rate, which would erode your dividend income. ✅ How Revolut Handles It The form is automatically completed and signed electronically during account setup when you opt into U.S. stock trading. You don’t need to manually upload anything unless your status changes. It’s valid for three years , same as Freedom24, and needs updating if your residency or tax status changes. ⚠️ What Happens If You Skip It You’ll be taxed at the full 30% rate on U.S....

Stocker Scooter

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That Byzantine Financial Hysteria

  Talks about return so i "get" my original investment back in like 5 or 6 years? You're circling a key question: how long until the portfolio pays for itself? Let’s unpack that using the data from your uploaded spreadsheet and the performance metrics you shared earlier. ๐Ÿงฎ Return vs. Recovery: What You’re Really Asking You're not just asking about return—you’re asking about capital recovery . That is, when does the portfolio generate enough gains (dividends + appreciation) to equal your initial investment? Let’s break it down: ๐Ÿ“Š From the Image Metrics Total return over the entire period : +16.73% Annual percentage yield : 0.29% Standard deviation (volatility) : ±1.02% Maximum drawdown : -22.26% These suggest modest growth with low yield and moderate volatility. The 0.29% annual yield is especially telling—it’s not doing much heavy lifting toward recovery. ๐Ÿ“ From Your Portfolio Spreadsheet You’ve got a mix of dividend stocks, speculative plays, and some deep value ...