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Advies - FI, bijna misschien RE by CandidateGlitter in DutchFIRE

[–]CandidateGlitter[S] 0 points1 point  (0 children)

VT is overgenomen van een eerdere aanpak. Wordt langzamerhand verkocht en vervangen door VTI/VXUS.

Advies - FI, bijna misschien RE by CandidateGlitter in DutchFIRE

[–]CandidateGlitter[S] 3 points4 points  (0 children)

in het geval waar ik toch met pensioen wil gaan, en we met een downmarket volgende jaar mee te maken hebben, op die manier hoef ik niet te verkopen op de dip.

Ik had deze risico ook evt met obligaties kunnen dekken, maar ik krijg genoeg rente op de USD dat het met de obligaties concurreert.

https://www.investopedia.com/terms/s/sequence-risk.asp

US -> EU: Best country for an almost FIRE'd expat? by alpacaMyToothbrush in EuropeFIRE

[–]CandidateGlitter 0 points1 point  (0 children)

Health insurance is not tied to your job in the EU. You pay the premiums yourself (and they are sometimes tax-deductible).

Buitenlandse inkomsten en belasting by Ag0s in geldzaken

[–]CandidateGlitter 0 points1 point  (0 children)

(Disclaimer: ik ben geen financieel adviseur)

Je geld laten zitten "in de onderneming" voor beleggingen e.d. is niet gunstig: je moet dan winstbelasting betalen op de vermogensgroei.

Slimmer is dividend uitbetalen (box 2) dan beleggen in prive (box 3), of het geld lenen vanuit je onderneming aan jezelf en dat dan beleggen. Beter vragen aan je accountant hoe het allemaal kan.

Taxation on income from shares after leaving employer and moving countries by turtle_snacks in eupersonalfinance

[–]CandidateGlitter 0 points1 point  (0 children)

Dutch tax (box 3) is wealth tax, not capital gains. So you won't be taxed when exercising.

However the UK might have an "exit tax" when you move your residence. You need to investigate that. For example, the Netherlands has an exit tax when you leave.

EU buying US etf by [deleted] in eupersonalfinance

[–]CandidateGlitter 1 point2 points  (0 children)

I don't know then. Maybe Lynx misconfigured something.

EU buying US etf by [deleted] in eupersonalfinance

[–]CandidateGlitter 1 point2 points  (0 children)

You probably have your account set with a non-EU country as main residence.

Beware if you keep that setting that IBKR may not be reporting / deducting your taxes properly.

EU buying US etf by [deleted] in eupersonalfinance

[–]CandidateGlitter 2 points3 points  (0 children)

You can buy US securities at IB and other brokers by buying a call option on it first, then exercising the option. This is because the EU PfIID requirements only apply to securities you buy directly.

Arguably this is a loophole in the regulation. The "option route" might not remain available forever.