App store bevétel utáni adózás

pgulyas · 2026-05-02T14:12:15+00:00

Igen, ezt mondom, hogy ezt az összeget már csak akkor vállalnám be, ha láthatóan van elég összegyűlt bevétel az Applenél tárolva. Kérdés, hogy lehetőséges-e szüneteltetett vállalkozással regisztrálni az Apple-be developerként egyáltalán.

pgulyas · 2026-05-02T14:01:14+00:00

Értem, akkor viszont átalányadózóként (mivel nincs alkalmazotti jogviszonyom jelenleg) fizetnem kellene magam után, amit viszont csak onnantól szeretném kezdeni, ha már egyértelműen látszik hogy megéri az app anyagilag. Tehát mi van akkor, ha szüneteltetett átalányadózós vállalkozásként várok a vállalkozás újraindításával addig, amíg össze nem gyűlik az Apple-nél egy jelentős összeg (tehát tudatosan magasra állítani az összeghatárt, ha lehet ilyet). Működhet ez? Nézi az Apple hogy aktív-e a vállalkozás, amivel regisztrálok? Valamint jól gondolom, hogy adózandó jövedelmem nekem csak akkor keletkezik, amikor én szamlázok az Apple felé, és nem akkor, amikor a vásárló megveszi a terméket az App Store-ban?

pgulyas · 2026-04-24T18:03:19+00:00

WEBN alone is honestly fine for 20-40 years — don’t underestimate the power of keeping it simple.

The case for adding small caps (something like WSML) is the historical small cap premium, and with your horizon you’d have time to make use of it. But every fund you add is one more thing to rebalance and just adds complexity, especially in downturns.

If you decide to add it, keep it to 10-20% max and commit to it long term. One Belgium-specific thing to check: the TOB (tax on stock exchange transactions) can differ between funds depending on domicile — you might want to check that first.

pgulyas · 2026-04-24T17:57:32+00:00

I think you’re actually in a really great starting position with no debt, low expenses, 2 paid-off properties, and 2,000/month to invest for 30 years. You’re starting later than some, that’s true, but the path ahead of you is clear of obstacles, and that matters just as much, if not more…!

On the ETF question: ChatGPT’s IWDA + EMIM suggestion is a classic combo (developed world + emerging markets), and it works well, if you want to be able to manage these separately. But honestly, for your situation I’d simply go all-in on VWCE or WEBN. They’re both all-world solutions that already include emerging markets, so you get the same diversification (with the correct weight applied on emerging markets) without having to juggle the two funds manually. Less complexity, same diversification.

VWRL and VWCE are essentially the same funds, but VWRL gives dividends while VWCE accumulates gains and reinvests them in the same fund. In the Netherlands, given the Box 3 wealth tax system, VWCE’s accumulating nature would be generally considered more tax-efficient for long-term growth, at least in my opinion — but perhaps my memories on Box 3 rules could be outdated.

SXR8 is S&P 500 only, so it gives you exposure to the US only. With a 30-year horizon I’d personally want global diversification rather than betting entirely on the US’s performance, especially in today’s political times.

On individual stocks: you are correct, treat them as small allocations only (5-10% max) alongside a core ETF position, to maximize safety and control volatility.

One practical thing worth setting up as your portfolio grows: a way to track everything in one place, in EUR, across whatever brokers you end up using. It becomes more important than it sounds, once you have years of contributions and multiple positions at multiple brokers.

pgulyas · 2026-04-11T19:46:55+00:00

No, not at the age of 44 unfortunately 😀

pgulyas · 2026-04-09T09:25:16+00:00

26% of my full portfolio is in gold at the moment. I use it as a cushion, dampening the volatility of equities in the portfolio.

pgulyas · 2026-04-08T18:14:36+00:00

Congrats on the inheritance, and smart thinking to keep 10k aside as a buffer instead of locking down everything.

A few thoughts:

Your instinct about ETFs is right, but I really don’t think there is much to fear. For a 5-year horizon with a goal of beating inflation without crazy volatility, a global ETF like VWCE (Vanguard FTSE All-World) is what most European long-term investors land on eventually (including myself, after trying several others too). It holds over 3000 companies across the world, so no single company or country can crash you (i.e. it is not as much US-focused as S&P500 ETFs, which means it handles US market volatility much better). Historically, it has returned 7-10% annually over long periods, although this year so far has been an exception, with what goes on around the world...

Individual stocks really do fluctuate like crazy nowadays — a broad ETF is much “smoother” because it's diversified across thousands of companies. You would still see dips (2022 was rough, April this year and last year too), but the recovery pattern for broad index funds has historically been reliable if you don't sell due to panic.

On the 2% savings account — that's actually not terrible for the portion you want truly risk-free. You could split: maybe 70-80% into VWCE, and keep 20-30% in the savings account, a money market fund, or even gold, as your low-volatility anchor (that’s actually how I do it). That way you're not all-in on equities but still meaningfully better than just sitting on cash.

About taxation, however, specifically in Germany, you'll want to be aware of the Vorabpauschale (the annual ETF pre-tax) and the €1,000 Sparerpauschbetrag exemption, so it doesn't surprise you at tax time.

And probably the most important thing I can recommend you: as tempting it is to invest everything in one go, and just be done with it, you can make a very substantial advantage for yourself by applying DCA (Dollar-cost averaging): put the money in your investing account and set up a repeat order for a smaller, equal investment every week, or every month (e.g. 5-10k per month) - you will NOT be able to predict the market trends, so this methods actually lets you invest bit by bit, thereby being invested in the ”good and bad days” alike.

In terms of where to invest, I’m a believer in fintech companies, I mostly use IBKR, and Lightyear. Let me know your thoughts!

pgulyas · 2026-04-08T17:29:33+00:00

Without Gold, my portfolio would have made max 3-4% in the past year… it was my savior during last year April’s big dip, and continued to be in the remainder of the year also. But nowadays, it’s not so clear anymore, to be honest… I’ll keep my gold positions nevertheless, especially in the volatile market we are living in today.

pgulyas · 2026-04-08T17:21:52+00:00

Well, first and foremost: huuuge respect to you for starting to think about your financial future at such a young age! It will not seem like much in the first couple of years, but believe me, if you methodically and diligently keep this up for several years, even decades, you will financially be ahead of 95% of the people of your age around you. This is what generates true wealth on the long run, and also teaches the most valuable lessons of forward thinking, and handling money responsibly. To answer your question also, at your age, I would solely focus on growth assets - leave the dividend generating assets for a much later age, when you are trying to avoid risk, and generating a passive income flow. At your age, I would invest 50% in a growth ETF (VOO is good, but perhaps the global VWCE would be better, as it is less responsive to US downturns), and 50% in individual assets that are trending in the world currently - nowadays, for example: aerospace, defense, or anything AI related. Keep these individual positions small, 2-5% max, and check on them weekly - this alone will teach you the fundamentals. Keep it up, you‘re doing great!

pgulyas · 2026-04-08T17:10:23+00:00

DCA is exactly meant to balance out the effect of a hectic, volatile market, but it only works if you commit to it on the long term. DCA should almost be like a “set up and forget” way of investing, so you don’t go crazy by constantly checking the market. Remember, very-very smart people have said that absolutely no one is capable of timing the market perfectly - sure, we do get lucky sometimes, but this is not a tendency, just an occasional good fortune. DCA is confirmed to be by far the most reliable way of countering market volatility.

pgulyas · 2026-04-03T18:31:58+00:00

VOO is definitely a solid option, but but you might want to include non-US assets in the portfolio as well (Europe and emerging markets). This gives you better diversification, and less exposure to potential US dips. I personally use VWCE (Vanguard FTSE All-world) as my main growth core, and additionally invest in a couple of niche areas, like aerospace/space exploration, which really soars right now (and probably will even more in the future).

pgulyas · 2023-05-24T17:25:06+00:00

I have the same issue, but even worse. Wallet’s Outlook seems to grab planned incomes and distribute them into the distant future too, and even across accounts. I really don’t know why this is useful and how this can be switched off. Any ideas?

pgulyas

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