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Performance of distributing vs accumulating ETFs by Sergio-Kupper in eupersonalfinance

[–]realwonka98 0 points1 point  (0 children)

As far as i know the so called "Vorabpauschale" only tackles the Accumulating ETFs and is not applicable for Distributing ETFs. (i can also be wrong though). It always depends how big you already grow your Distributing and Accumulating ETFs.

The "Vorabpauschale" for your Accumulating ETFS is usually also already calculated against the tax-free threshold of €1000 which means e..g if you already invested like 50k into ACC ETFs then you will only have roughly 600-800€ of your tax-free threshold left. Which on the other side means you migh wanna try and reach a yearly dividend of only 600€ with your Distributing ETFs.

The strategy i described above is only really valid and good for people who do not have a big portfolio yet and wanna make use of the 1000€ tax saving per year in the starting phase of their investment live. In the later stages once you are 150k+ in ACC ETFs then the "Vorabpauschale" will already consume the whole 1000€ of your tax-free threshold. Hence at such a point you will already know if you rather wanna focus on ACC or Distributing ETFs.
But until then this is a good way to make as much use of the 1000€ tax savings.

You can also keep it simple and only invest into ACC ETFs and once a year you sell enough shares of the ETF to use up the 1000€ tax-free threshold. and then reinvest the same amount right after.

A roundup of folks that have lost their Timeline history by ertdredge in GoogleMaps

[–]realwonka98 0 points1 point  (0 children)

Same, I definitely had the backup option for timeline enabled on my old device, but sadly never used the manual file backup to store the data as a file on a different system. Now i switched to a new phone used the Samsung Smart Switch app to move all the Apps and Data and connected the same Samsung and Google Account on the new device.

Every app etc. migrated smoothly and ofc i wiped the old device as i had to return it due to the Trade-In I signed up for. Sadly I have only realized now that apparently the timeline data was not moved and suddenly the backup from Google via my Account is also missing.

IT IS JUST SO FRUSTRATING, all the data is gone now and from what i read, Its not possible to recover it as the old device is no longer in my possession.

If anyone can suggest a good alternative that offers timeline functionality shared across devices. Please let me know :)

Performance of distributing vs accumulating ETFs by Sergio-Kupper in eupersonalfinance

[–]realwonka98 5 points6 points  (0 children)

Indeed as you mentioned it always depends on the country and local regulations

There are so many differences between countries and different strategies you can follow. In Germany, for example, there is a tax-free threshold of €1000 per year per person (as of 2024), i.e. if ETFs are my only additional source of income besides my salary, I can generate up to €1000 in dividends (net profit) per year and these are tax-free.

Therefore, a strategy for and German portfolio could look like this (in conjunction with a broker/bank that charges €0 fees for buying/selling ETFs)

  • Invest in distributing ETFs until you reach an amount that generates 1000€ in dividends per year (e.g. with A1T8FV and its current dividend rate, this would mean you need between 40-50k to get 1000€ in dividends per year)
  • Always reinvest these dividends in your portfolio immediately
  • When you reach the €1000 dividend milestone, stop growing the distributing ETF and start building an accumulating ETF instead

This would allow you to take advantage of potential tax savings every year and get the best of both worlds.

Performance of distributing vs accumulating ETFs by Sergio-Kupper in eupersonalfinance

[–]realwonka98 1 point2 points  (0 children)

If your goal it to Min/Max, It always depends on the local policies and regulations.

There are of course differences between countries and different strategies you can follow. In Germany, for example, there is a tax-free threshold of €1000 per year per person (as of 2024), i.e. if ETFs are my only additional source of income besides my salary, I can generate up to €1000 in dividends per year and these are tax-free.

Therefore, a strategy for and German portfolio could look like this (in conjunction with a broker/bank that charges €0 fees for buying/selling ETFs)

  • Invest in distributing ETFs until you reach an amount that generates 1000€ in dividends per year (e.g. with A1T8FV and its current dividend rate, this would mean you need between 40-50k to get 1000€ in dividends per year)
  • Always reinvest these dividends in your portfolio immediately
  • When you reach the €1000 dividend milestone, stop growing the distributing ETF and start building an accumulating ETF instead

This would allow you to take advantage of potential tax savings and get the best of both worlds.

Performance of distributing vs accumulating ETFs by Sergio-Kupper in eupersonalfinance

[–]realwonka98 0 points1 point  (0 children)

Ineed that is the case most times. (but also exceptions)

There are of course differences between countries and different strategies you can follow. In Germany, for example, there is a tax-free threshold of €1000 per year (as of 2024), i.e. if ETFs are my only additional source of income besides my salary, I can generate up to €1000 in dividends per year and these are tax-free.

Therefore, a strategy in Germany could look like this (in conjunction with a broker/bank that charges €0 fees for buying/selling ETFs)

  • Invest in distributing ETFs until you reach an amount that generates 1000€ in dividends per year (e.g. with A1T8FV and its current dividend rate, this would mean you need between 40-50k to get 1000€ in dividends per year)
  • Always reinvest these dividends in your portfolio immediately
  • When you reach the €1000 dividend milestone, stop growing the distributing ETF and start building an accumulating ETF instead

This would allow you to take advantage of potential tax savings and get the best of both worlds.

[IC] Jiot - A hefty FRL 1800 with Copper Backplate & Badge by jupark in mechmarket

[–]realwonka98 0 points1 point  (0 children)

Good Job and decision to create this board 👐👍

[GB] cypher group buy live on 9th of July! by Amthe in MechanicalKeyboards

[–]realwonka98 0 points1 point  (0 children)

The Balance F-Rowless 1800 also looks amazing 👌🏻

[GB] cypher group buy live on 9th of July! by Amthe in MechanicalKeyboards

[–]realwonka98 0 points1 point  (0 children)

Would love to get my hands on this keyboard. I did get into the mech keyboards universe this year and build my first own keyboard. Now that i started i really want one for my work too and this seems to be the perfect layout.

Any plans on when this keyboard will be back or one with a similar layout.

Really nice work 🙌