Europe expat, likely to move a lot. Where to invest when you don't know where you'll be in 3 years?

Investment

Hey everyone,

I recently moved from France to Denmark for work and I'm looking for advice on how to manage my investments. My situation is a bit particular and I'm lacking a clear strategy.

My situation

I'm 28, French, just started a new role as Project Manager in the data center construction sector in Denmark. I'll likely be moving around a lot over the next few years, whether it's within Europe, the US, the Middle East or Asia. Geographical mobility is a key factor in my investment choices and I don't want to lock myself into products that don't work once you cross a border

My salary is 4 000 € net per month. Housing is covered by the company so I have a solid savings capacity.

What I have

  • 20 000 € available to invest
  • No debt

My goal

I want to allocate around 2 500 € per month to investments going forward. I have my emergency fund covered, now I want to make the rest work for me. 100% passive investing, I'm thinking mostly about ETFs

My questions

1. IBKR, is it the obvious choice for someone mobile like me?

It seems like IBKR is the go-to for expats who move around. Is it really the best option for a passive ETF investor with no fixed base? Any alternatives worth considering?

2. Which ETF?

I'm looking at global ETFs like VWCE, VWRA or similar all-world funds. Is there a clear winner for a eurozone based investor? Should I care about USD vs EUR denominated funds given I might end up earning in different currencies?

3. How would you split my 2 500 €/month?

That's really my main question. Would you go all-in on a single all-world ETF via IBKR? Or would you diversify the approach depending on where you're based?

Thanks in advance for any advices you might have for me

Posted Sep 8, 2026, 11:46 AM UTC

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