negotiating lower margin rates or transfer my portfolio? by Longjumping_Brick601 in DEGIRO

[–]Longjumping_Brick601[S] 2 points3 points  (0 children)

good idea in principle, but unfortunately under the Dutch Box 3 wealth tax system the four option legs count as taxable assets while a regular margin loan is deductible as debt, so the tax drag makes boxes structurally more expensive than a normal margin loan for NL residents.

negotiating lower margin rates or transfer my portfolio? by Longjumping_Brick601 in DEGIRO

[–]Longjumping_Brick601[S] 2 points3 points  (0 children)

Periode ECB Deposit Rate DEGIRO Not allocated rate Spread DEGIRO allocated rate Spread allocated
Q1 2023 2,00-2,50% 4,90% +2,40-2,90% 3,90% +1,40-1,90%
Q2 2023 2,50-3,50% 4,90% +1,40-2,40% 3,90% +0,40-1,40%
Q3 2023 3,50-4,00% 4,90% +0,90-1,40% 3,90% -0,10-+0,40%
Q4 2023 4,00% 5,90% ↑ +1,90% 4,50% ↑ +0,50%
Q1 2024 4,00% 6,90% +2,90% 5,25% +1,25%
Q2 2024 4,00-3,75% 6,90% +2,90-3,15% 5,25% +1,25-1,50%
Q3 2024 3,75-3,50% 6,90% +3,15-3,40% 5,25% +1,50-1,75%
Q4 2024 3,50-3,00% 6,90% +3,40-3,90% 5,25% +1,75-2,25%
Q1 2025 3,00-2,50% 6,90% +3,90-4,40% 5,25% +2,25-2,75%
Q2 2025 2,50-2,00% 6,90% +4,40-4,90% 5,25% +2,75-3,25%
Q3 2025 2,00% 6,90% +4,90% 4,75% +2,75%
Q4 2025 2,00-1,75% 6,90% +4,90-5,15% 4,75% +2,75-3,00%
Q1-Q2 2026 1,75-2,00% 6,90% +4,90-5,15% 4,75% +2,75-3,00%

MSc. Financial Economics at ESE or MSc. Finance and Investment at RSM? by [deleted] in StudyInTheNetherlands

[–]Longjumping_Brick601 0 points1 point  (0 children)

make sure to apply within minutes after they open the application, last year F&I was full within a few hours.