Depot / Fonds / ETF / Aktien?
Hi zusammen
blödes Problem: im Depot (längerfristig) sammeln sich ja ( hoffentlich) auch Gewinne.
Alles jetzt rein fiktive Zahlen, damit man leicht rechnen kann.
Problem jetzt: entnimmt man was daraus, dann werden die ca. 25% Steuer fällig – das kann sich ganz schön summieren. Würde bedeuten, wenn man 100.000 als Ertrag hat, dann blecht man erst mal 25.000 an Steuern und bekommt nur noch 75.000.
Vermeiden lässt sich das ja nicht, aber vielleicht gibt es eine geschickte Möglichkeit, damit umzugehen
(2 votes)
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So if you don’t work for one year or more years or only work a little, and you have an individually low tax rate (theoretically 0%), you could realize untaxed profits.
In addition, there is the possibility to counterbalance losses.
The most important thing is that you will not be taxed during your stay. So you can work with those 25% a few decades and generate income from them 🙂
Since I’m quite naive, I still hope that someday (again) tax freedom comes after X years of retention. 😉
I don’t think as long as taxes have to be used to stuff the holes in pension and social security.
Well, in other countries, there are other problems.
If the FDP comes over 50%… so never.
You can’t really handle this, because the tax will be due on any sale if profit has been made.
You have a free amount of at the time 1000€ per year that you can use – e.g. sell shares and sell directly again if you don’t use it otherwise
You will never have 100,000 Euros in your life on sale, then you would be a multiple millionaire and that would be Peanuts for you. Look at this. You pay the taxes for a pure conscience! And if you sell several times with loss shares, then the profits are charged with the losses and you don’t pay taxes…
I wouldn’t say, on the contrary. The expected value is sufficient to keep an asset of €100,000 ten years. With 7% return per year, which corresponds to the market-typical interest rate of a broadly diversified world portfolio, this results in a pretty close 100,000€ profit. With an S&P500 or NASDAQ100, the whole thing should go even faster.
Well, first of all, you have a free allowance. And if you actually earn $100,000, then taxes are probably your least problem.
This is not so unlikely if you invest in the long term.
Sure, but your example in another place makes clear what I mean: if I have 100,000€ left to put them in ETFs, then taxes are my least problem;)
But then do taxes really hurt:D
One – for most – more realistic example is if you start from the 25th. Year monthly 200€ invested in an ETF for pension provision. At the age of 67, a total of €100,000 has been paid and, as expected, should have a total asset of almost €600,000, of which 500.000€ profit are. Even if you still have a very good batch of money after tax, it still hurts if you have to depress good 125.000€ taxes on sale.
At the same time, this example also shows how enormously important it is to run private pensions. Even low three-digit or even two-digit monthly savings rates over a typical professional life, the financial situation at the age can relax enormously.