<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>FIRE Europe</title><description>Financial independence and early retirement for Europeans — European brokers, UCITS ETFs, cross-border tax, and the maths behind it.</description><link>https://fireeurope.com/</link><item><title>Accumulating vs distributing ETFs, and why it matters here</title><link>https://fireeurope.com/blog/accumulating-vs-distributing-etfs/</link><guid isPermaLink="true">https://fireeurope.com/blog/accumulating-vs-distributing-etfs/</guid><description>The single most European decision in your portfolio — and it&apos;s about tax, not returns. Ireland (38% exit tax), Germany (Vorabpauschale) and Switzerland show why one rule of thumb can&apos;t cover Europe.</description><pubDate>Thu, 19 Mar 2026 00:00:00 GMT</pubDate></item><item><title>Why American FIRE advice breaks in Europe</title><link>https://fireeurope.com/blog/why-american-fire-advice-breaks-in-europe/</link><guid isPermaLink="true">https://fireeurope.com/blog/why-american-fire-advice-breaks-in-europe/</guid><description>401(k)s, Roth IRAs, and Vanguard&apos;s US ETFs don&apos;t exist for you. Here&apos;s what to read instead.</description><pubDate>Wed, 04 Mar 2026 00:00:00 GMT</pubDate></item></channel></rss>