Do distributing ETFs make more sense than accumulating ones?
If you have invested your money exclusively in an ETF.
With the accumulating option, you would lose money because you cannot use your annual tax allowance, right?
And which type of ETF makes more sense when the base interest rate is high?
If you want to apply tax-optimized and have not yet exhausted your allowance, then evicting ETFs are somewhat more advantageous. This would be the case, for example, especially in a year if the ETF had lost from the beginning of the year to the end of the year, because one would do so in a thes. ETF has no tax burden at all – anlog at low base rate.
It is then necessary to take care of the reinstallation of the distributions, unless one is with a supplier who has the distributions e.g. as part of a savings plan automatically and free of charge.
Other alternative would be to sell shares with profit at the end of the year and to buy them again. But I don’t think that’s so comfortable, even if you can use the amount of money with some calculus.
In the case of thesaurusive funds, it would then be necessary to sell any fund shares in order to obtain its own allowance.to be able to use ptimal.
The pre-purchase should be used to balance out-of-the-job funds. What happens relatively at a high base rate, you can’t say so directly. If no basic interest accrues as in recent years, the thesauring fund is easily in the advantage of tax recovery.
This depends almost on the life situation:
If you are young and perhaps save on a property, a thesauring facility makes more sense (no matter whether ETF’s or what else).
But if one is old – perhaps already pensioners – and wants to increase the pension with the capital, a pouring investment makes more sense.