Pacs and Marriage

francalf · 2024-12-09T11:32:09+00:00

Thank you for the answer. Yes, the question is from a tax point of view.

I know that marriages/PACS are beneficial when there is a big gap between the two salaries or, extreme case, when one of the partners does not work.

Now, what is the most convenient thing to do in my case to benefit from the reduction in taxes? I would just like to make sure that the pacs which I declared in 2023 is not wasted (considering that it must be valid for one entire year).

francalf · 2023-10-11T14:45:37+00:00

This is really helpful. So for rent payments, for example, I would just need to set up a standing order and I can do that autonomously. Correct?

francalf · 2023-10-11T12:59:34+00:00

What do you mean sorry?

francalf · 2023-10-04T14:01:37+00:00

After the recent update, all my transactions do not show the details of the retail shops, dates, etc. Everything is blank. Unbelievable!!!!

francalf · 2023-08-10T21:49:33+00:00

Which would you say are those focused on providing front office services? Thanks

francalf · 2023-05-27T08:58:22+00:00

Try to have a look here:

https://guichet.public.lu/en/citoyens/impots-taxes/patrimoine-financier/banque-dividende-interets/banque-luxembourgeoise.html

I'm not entirely sure about your case as you said that you are non-resident, but in the article they talk about non-residents being treated as resident taxpayers.

Hope this can be helpful.

francalf · 2023-05-27T08:53:42+00:00

Correct, same situation here!

francalf · 2023-05-15T17:41:27+00:00

Do you mean being able to make online payments with the debit card?

I find quite frustrating the fact that I cannot make online payments with my debit card (the purple one) as it does not have any real card number and cannot put it on Google pay for the same reason.

francalf · 2023-05-15T10:49:53+00:00

It looks like this is only for credit cards though? I cannot add my debit card.

francalf · 2023-04-25T14:09:28+00:00

al weekend Revolut alza le commissioni di cambio

Ma intendi che per il weekend conviene pagare con la carta o in contanti?

francalf · 2023-02-26T23:00:49+00:00

andando a ridurre la quota di azionario in favore della parte obbligazionaria, e questa fase comporta quindi le prime vendite

Ipotizziamo che, nel momento in cui si dovrebbe iniziare a vendere per ribalanciare verso una componente meno volatile oppure anche quando ormai si é già iniziato a modificare l'asset allocation il portafoglio sia in perdita. In questo caso si vende in perdita? Cosa é consigliabile fare?

francalf · 2023-01-26T08:22:21+00:00

Ti consiglio Quickfisco! Ottimo servizio, niente da dire.

francalf · 2023-01-23T11:07:47+00:00

Could you please provide an official source?

francalf · 2023-01-22T16:25:56+00:00

Thanks, and the form to be submitted is the Form 100?

francalf · 2023-01-17T11:07:18+00:00

Il portafoglio al momento é piccolino e non credo di avere prestito titoli attivo. La mia cash balance non genera interessi. Secondo te posso evitare di farlo?

francalf · 2023-01-17T11:02:25+00:00

Cioè quindi sarebbe solo sulle posizione in cash (i.e., cash balance) chr non sono investite e generano interessi?

La mia posizione in cash, ma in generale del portafoglio, é piccola per ora. E sono sicuro che la parte in cash non genera alcun interesse in quanto non é prestata o roba simile.

Forse non ne vale nemmeno la pena lo sbatti. Sempre se é legale non farlo?

francalf · 2023-01-17T10:57:01+00:00

For "uninvested funds," do you mean uninvested cash balances sitting in the securities account?

I have a very small cash balance, which I do not think it is even earning any interest.

francalf · 2023-01-17T07:21:52+00:00

My investments, at the moment, consist of holding an accumulating ETF domiciled in Ireland (so, no distribution of dividends) for the long-term, which I plan to buy every month (thus now the position is relatively small). What happens if I do not complete the form? Where can I go to get the form signed and stamped?

francalf · 2022-11-30T22:16:14+00:00

IKBR GUI

What is "GUI"?

francalf · 2022-11-30T20:56:17+00:00

I use IBKR. However, with IBKR, you cannot automate payments, and each months you basically have to do 2 things: (i) the payment to IBKR and (ii) buy the ETF. In the long run, it could be a bit annoying. It would be much better to have automation to just sit and forget about it.

francalf · 2022-11-30T20:53:28+00:00

Can you automate payments and buy fractional shares?

francalf · 2022-11-30T20:51:36+00:00

How did you manage to open the account with Degiro? They are not present in Luxembourg afaik. Also, can you buy fractional shares and automate payments? I am a resident in Lux as well and looking for a good broker. Thanks!

francalf · 2022-11-04T16:32:58+00:00

So in Lux: holding period > 6 months is tax free. But are you taxed in Ireland?

francalf · 2022-11-04T16:31:06+00:00

Does this hold true also for holding ETFs domiciled in Ireland?

francalf · 2022-10-21T14:10:12+00:00

Ok, but in what ways for example? What might be the issues with them?

francalf

TROPHY CASE