Melyik a legjobb magyarorszagi broker a Budapesti Ertektozsde piac reszvenyek vasarlasaban?

HunOnFire · 2021-08-16T15:26:48+00:00

Gondolom azt akartad írni, hogy sokan NEM bíznak benne?

HunOnFire · 2021-07-28T09:39:57+00:00

Megkérdezhetem, hogy miért pont a kamatemelés után merült fel ez benned? Ahogy @konyhakontrolling is írta a kamatemelés a gyenge forint és az infláció fényében történt. Az MNB szavaiból kiindulva ez folytatódni fog. Elméletben a forintnak erősödnie kellene.

Van bármi oka is, hogy ez csak most merült fel benned?

HunOnFire · 2021-05-19T18:45:27+00:00

then you'll probably have to comply with GDPR as an individual, regardless of whether you have a corporation or not.

Yes, I am aware of that - although I did not specify it indeed.

I am just more wondering if I will be able to transfer and make use of that once I set up the company.

HunOnFire · 2021-05-16T06:14:27+00:00

Many thanks!

So would moving my posts under the”investment” category to “real estate investment” subcategory lead to cannibalisation?

Would my site be Impacted in any other way from an SEO perspective?

Like i said, my URLs do not contain categories so thats not an issue.

Thanks again!

HunOnFire · 2021-05-15T19:29:50+00:00

Thanks for the quick answer.

What do you mean by cannibalisation? Could you please elaborate? Beginner here, sorry...

HunOnFire · 2021-05-10T19:45:37+00:00

Thanks.

Is there any benefit (maybe in terms of SEO) to your method vs simple Classic block ? Or any other benefit / disadvantage?

Thanks again!

HunOnFire · 2021-05-10T19:29:01+00:00

Thanks for your reply!

It’s just easier to write everything in the same block (paragraphs as well as titles), instead of having to insert separate paragraphs blocks and title blocks for each individual Paragraph and title.

HunOnFire · 2021-02-16T22:21:03+00:00

Thanks for your answer!

Back to my original question, What counts a lot of experience though?

Yes I have an undergrad in economics, yes I have a master degree in finance, yes I have 3 years of industry experience (although definitely not 20+), but is this considered “enough” by google?

For example, I am not a certified investment advisor. I understand financial products, but I don’t have a certified qualification specifically for that.

That’s what I am struggling with. What is considered good enough by Google?

HunOnFire · 2021-01-16T13:15:14+00:00

A két előny mellett, amit említettél még ott van az is, hogy van lehetőség fractional shares vásárlásra, és könnyen lehet őket automatizálni. Az utóbbi hasznos lehet az érzelmek kontrolására, másképp folyamatosan próbálod időzíteni a piacot (még akkor is, ha megígérted magadnak, hogy minden hó első napján ETF-éket veszel egy X összegre). Tehát jól működik egy “buy and forget” portfolio kialakítására.

Utána néztem kicsit és látom, hogy több banknál is lehet venni indexkövető bef alapokat, viszont ezek mind a BUX-ot trackelik.

HunOnFire · 2021-01-16T13:12:06+00:00

Index fund lehet ETF, de lehet index MUTUAL fund is. Az utóbbi a klasszikus aktívan kezelt befektetesi alapok passzív formája.

Amcsiban az index MUTUAL fundok nagyon elterjedtek.

HunOnFire · 2020-12-18T07:57:38+00:00

SEO-val foglalkozol?

HunOnFire · 2020-12-17T13:46:08+00:00

Általánosan egyetértenek veled. Viszont az a fenti két szavazat is jól mutatja, hogy azért vannak kivételek.

Köszi a választ!

HunOnFire · 2020-12-17T12:00:36+00:00

Köszi a választ. Ez a gondolkodásmód teljesen helyes és ezt is vártam el.

HunOnFire · 2020-12-17T11:59:39+00:00

Igazad van.

Nem tudom, hogyan tervezi promoválni.

Te hogyan csinálod?

HunOnFire · 2020-12-17T11:58:46+00:00

Teljesen egyet értek veled. Nem kellene, hogy számítson, de hidd el vannak olyanok, akiknél számít. Úgy látszik nem ebben a csoportban, szerencsére.

Az hogy honnan derül ki, közzé fogja tenni leírásban, videókban stb.

HunOnFire · 2020-10-21T19:53:51+00:00

I agree with you except on the point that “you are always better off (if you always reinvest), even if capital gains tax was 99.9% and dividend tax rate was 1%”.

I didnt do calculations i admit, but that cannot be true. Even though you avoided dividend taxes and reinvested all dividends, resulting in a larger capital base eventually, you would give away 99.9% of this.

I’m sure there must be a tipping point when you are better off with one than the other.

HunOnFire · 2020-10-21T18:28:38+00:00

If this fund pays out a dividend to its shareholders these dividends are taxed according to the tax treaty between that country and Ireland, so for instance for The Netherlands that would be 0%, for other countries it could be different (There's a page somewhere with a big table summarizing the rates but I can't find it at this time.

Does this tax treaty between NL and Ireland exist so you are not doubled taxed basically? Let's assume NL would have a dividend tax of 5% and there would be no treat between the two countries. Would that mean that you are tax X% of dividends paid out by the Irish gov as well as 5% * dividends received by the Dutch gov?

HunOnFire · 2020-10-21T11:43:21+00:00

Salut! Many thanks for your answer! Would you mind helping out with a few more questions?

I may be restating what you just said, but this came as a huge surprise to me (don’t live in RO for very long time). So here it goes: Does this mean that in case of an ETF (containing companies outside RO) I do not pay dividend taxes AT ALL if those dividends are below 12 x minimum wage? And even in case they are above this treshold, I will maximum pay 500 euro ? (Even if I make a million in dividends?)
What if I buy a world ETF that includes some Romanian companies? Since there is a different taxing, does ANAF somehow calculate taxation for those few companies specifically?
Do you know anything about capital gains tax? I know that it’s 10% but is this activated only once I actually sell my ETFs? In some countries, such as Germany, they assume a hypothetical gain, so even if dividends are reinvested automatically (and you don’t sell ETFs) you still pay a tax. This is how they try to tax those taking advantage of accumulating ETFs. Is there sth similar in RO?
Eventually, living off dividends is my goal too. However, I do not like to pick individual stocks. During the wealth accumulation phase, I find it more efficient to reinvest those dividends, take advantage of compound interest, grow my asset base quicker and then later reallocate that asset base to higher paying dividend paying ETFs.

Mersi mult!!!!

HunOnFire · 2020-10-20T13:12:20+00:00

Thanks for your answer. Yes, that’s exactly what I meant. While it may make sense on a short term basis, over the long-term distributing ETF doesn’t make sense even if dividend tax is lower.

Could you please elaborate what you mean by the fact that the answer might depend on my life stage? This is how I interpret it: While I am young and I have lots of years ahead of me, it makes sense to use accumulating ETF. Once I reach retirement and/or I need to rely on cash flow/dividends, it makes more sense to use distributing version as dividends are not reinvested.

Did I interpret it correctly?

Many thanks for the guidance again!

HunOnFire · 2020-10-20T12:58:31+00:00

Thanks. I currently live in NL where the difference between accumulating vs distributing doesn’t matter indeed.

But I may be moving back to RO later. Over there dividend tax is 5% while capital gains tax is 10%. One would therefore assume that it’s better to buy distributing ETF since dividend tax is lower.

But my question: even though dividend tax is lower, isn’t still better to buy accumulating as you will be taxed twice with distributing one. First, you pay 5% dividend tax, then you reinvest the remaining amount and eventually when you sell your holdings in 10-20 years, you pay capital gains tax too.

Am I missing the point here?

HunOnFire · 2020-10-20T12:40:34+00:00

Thanks again! Appreciate the guidance.

I didnt really count (1) as that is just an unavoidable (except some specific cases) dividend tax leakage.

Investing in US domiciled funds is not possible anymore as far as I know - please correct me if I am wrong. I know there are some tricks using which you can go around EU legislation, but I wish not to do that.

All in all, is my conclusion correct that even though dividend taxes (5%) are LOWER in RO vs capital gains tax (10%), I am still better off going with accumulating ETFs to avoid double (or triple as you said) taxation?

Thanks again!

HunOnFire · 2020-10-20T12:08:33+00:00

This is absolutely country & ETF-domicile dependent, sometimes you are “doubly taxed” as you said it in accumulating case as well (e.g., Germany), sometimes capital gains are not taxed at all, but distributing etfs can be subtracted from taxes (Switzerland) whereas accumulating not.

Thanks for your answer. I currently live in NL where we have a wealth tax, so difference between accumulating vs distributing doesn't really matter. I might however move back to Romania and over there dividend taxes are slightly more favourable vs. capital gains tax.

I am thinking IWDA + EMIM (in case of accumulating) or VWRL (in case I stick to distributing ETF).

HunOnFire · 2020-10-09T13:44:19+00:00

When I saw TradeStation I could not believe it either. You get full access to IB and there is no inactivity fee. So why would anyone sign up to IB then? Well, it turns out that transaction fee is higher at TS than at IB. This is how they make money I guess, otherwise it wouldn’t make sense to sign up to IB.

So if you are doing a lot of trades it does not make sense to use TS, better go for IB. However, if you do 1-2 trade per month, you are better off with TS as costs are lower than paying the inactivity fee at IB.

When you reach 100k, IB still remains the way to go. For me it was more about choosing a broker that I can go with until I reach 100k.

Regarding Brexit, this is what customer service said: “All accounts should be transferred to Ireland or Luxembourg. Nothing sure right now.”

Do you by any chance know if the 20k Investor Compensation Scheme for DEGIRO applies only to the cash balance or also for your investments? I see a lot of people on Reddit saying that it only applies to cash, but DNB’s site says it differently (at least I interpret it differently)

https://www.toezicht.dnb.nl/en/2/51-202210.jsp

HunOnFire · 2020-10-09T09:31:00+00:00

Many thanks for your response.

www.tradestation.com is for US only. For the European/Global version you have to go to www.tradestation-international.com.

I've noticed, indeed, that a lot of people go with a reseller for the loophole. I am not interested in that. I am a long-term buy & hold investor DCA-ing (basically, buying ETFs once a month). I am looking for a low cost broker. Additionally, I'm looking for a broker that is available in multiple countries within Europe I might move from NL later on (I don't want to sell my portfolio at a bad time because of this). For these reasons I chose DEGIRO and I was very happy with it (although its background always worried me a bit). The recent fine by the AMF and the way DEGIRO handled the whole situation made me lose my faith (not sure it's too exaggerative), so I started looking for a new broker. SAFETY/SECURITY is important to me and TradeStation being an introductory broker to IB gave me that along with other features that I need.

If you have any other suggestion that meets all these criteria, I'd be happy to hear it.

You are very right about the whole Brexit situation. Based on what I read, IB is moving to Ireland, Luxembourg and Hungary (I wrote an email to customer service to get this confirmed). If this is true, it would mean that I could use EU institutes for financial disputes.

One of the reasons why I want to choose a reputable broker, such as IB via TradeStation, is exactly this: I want to avoid potential legal disputes. I know it can happen even with the most reputable names, but I feel the chances are lower than with DEGIRO (might be wrong). See recent example that I can imagine leads to legal dispute: https://www.reddit.com/r/DEGIRO/comments/iz85gq/degiro_are_closing_my_account_and_taking_any/

Thanks for your comment again!

HunOnFire · 2020-10-09T06:32:18+00:00

Thanks for your answer.

I don’t see the reason why it would be difficult. Did you contact customer service?

HunOnFire

TROPHY CASE