2Yr·

Since there is interest again, you have to deal with this advance lump sum with ETFs -.-.

Do you know how it is if you have, for example, an accumulating ETF that is 50% in the red and makes in the next 10 years per year so about 3%, and you then sell it anyway at a loss; Will then the advance lump sum paid over the 10 years in addition to the realized loss in the loss pot, or I have then given the tax office?

#etfs
#vorabpauschale

5 Comments

Woddicks Investment@Woddicks

2Yr

@Johannes_J @InvestmentPapa You guys have dealt with this as well, do you know how this is handled in that case?

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Hannes@Hannes_SK

2Yr

Your example is correct. The tax loss would indeed be increased by the advance lump sum. However, the lump sum is tax-effective, so you can offset it as a loss with the tax office. This relates to your entire ownership of the fund until you sell it. I hope I have understood you correctly.

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Johannes@Johannes_J

2Yr

I only found the following: "If a fund is sold at a loss, this loss amount is increased by offsetting any advance lump sums that have already been taxed. By filing a tax return, the investor can determine his loss and offset it against other investment income in the same or subsequent years." https://www.test.de/Fondsbesteuerung-ab-2018-Das-muessen-Sie-ueber-die-Fondssteuer-wissen-5124267-0

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Woddicks Investment@Woddicks

2Yr

@Johannes_J Ok, but this also means that I have granted the tax office an interest-free loan for many years... Then the option to sell the lost ETFs in December and to buy them again directly is better. By the loss I would have something in the loss pot and could use that in the following years....

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Thomas Hauck@tomtom38

2Yr

but you always have to be active yourself ?!

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