There is always the option of going with IB till you are 25 and then if you have less than 100k transfer the positions somewhere else. Getting them out of IB is probably easier than getting them out of degiro.
Degiro just feels kind of dodgy to me from what I read on this forum.
There have been a lot of broker-choice threads (example) and people somehow usually end up at IB in the end, I started with Saxo (bad Idea XD) and then later went to IB.
With the extra tax on dividends and extra TER the “cost” of IB and degiro is very similar already at 25-30k. If you are <25 y.o. IB is definitely cheaper.
Thank you for the pdf. It was a very interesting read on the subject of LSI and DCA.
I‘m not yet sure if I want to go with degiro or IB. They‘re both viable solutions so I‘ll have to sleep on that one.
The take-away seems to be: Cost-averaging fares better in (roughly) one third of cases, lump sum investment in the other two thirds.