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ETF investing in IE00B4L5Y983 and IE00BK5BQT80 or just IE00B5BMR087?

Bybluelion1

Hello everyone, Is it better to invest in the MSCI WORLD IE00B4L5Y983 and IE00BK5BQT80, or just in the IE00B5BMR087? Or in all three? Otherwise, I plan to invest with the following weighting: iShares Core MSCI World UCITS ETF (IE00B4L5Y983): 40% iShares Core S&P 500 UCITS ETF (IE00BKM4GZ66): 30% Vanguard FTSE All-World UCITS ETF (IE00B5BMR087): 20%…

Smaller amounts preferably in distributing or accumulating ETFs?

ByFelix0620

Hello dear experts, I'd like to know whether it makes more sense to invest in distributing or reinvested ETFs for a smaller amount (no more than €1,000). I haven't been able to find a suitable answer to this question after more detailed research. Are both even possible? Or does it even matter for a three-digit…

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Alessandro9221
Alessandro9221
1 year ago

Yes, tax aspects can play a role in the sale of shares. Here are some points you should note:

1. **Reduction tax:** In Germany, profits from the sale of shares are subject to the deduction tax. This means that capital incomes are taxed on a flat-rate basis with a tax rate of currently 25% plus solidarity allowance and, where appropriate, church tax.

Two. **Speculation period:** If you have held the shares for more than one year, you might benefit from a tax benefit. Profits from the sale of shares after the expiry of the speculation period of one year are tax-free.

3. ** Loss settlement:** Losses from the sale of shares can be charged with profits from other investments to reduce the tax burden.

4. **Controlled message:** Platforms like Trade Republic usually provide tax documents that you need to create your tax return. These documents contain information about your transactions.

It is advisable to be consulted by a tax advisor to ensure that you understand and comply with all tax regulations correctly, especially when it comes to individual circumstances.

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bmke2012
bmke2012
1 year ago

The most important thing

  • In Germany, investors have to pay taxes on their capital income even if they invest already taxed money. The way brokers deal with taxes varies, with some automating everything and others requiring a higher own expense.
  • Trade Republic offers a personal tax overview in its app that shows the current state of taxes. The capital income tax, which is 25% (plus possible soli and church tax), is relevant to all taxable persons in Germany.
  • Dividends are also subject to capital income tax. Customers receive the dividends after deducting the tax. There are ways to calculate if a source tax is already retained in the company’s country.
  • Investors can use an annual amount of EUR 801 (EUR 1,602 for couples) to avoid tax on capital income. At Trade Republic, customers can submit an exemption order to automatically use this allowance.
  • Trade Republic, based in Germany, automatically deducts the income tax to the tax office. Tax deduction is largely automated and customers can also receive tax certificates.

https://www.trading-fuer-anfaenger.de/trade-republic-steuer/

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XTC19
XTC19
1 year ago
Reply to  bmke2012

The info is obviously older, because since the beginning of this year the amount of free is €1,000.

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AirKing21
AirKing21
1 year ago

If you become a capital income tax, TR will automatically deduct it. At Cryptos you get the necessary documents to make it yourself or make it.

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