5Mon·

Question from a #anfänger to the community about #verlustbescheinigung and #freibetrag

(...I can't get my head around it right now...)


In my first year on the stock market, I have currently realized around €500 in losses and €300 in gains in my only portfolio with Trade Republic. I am thinking about realizing profits this year (& buying back the corresponding positions immediately if the spread is suitable) in order to be able to use part of my allowance.

On the other hand, my loss of €200 would be carried forward to next year anyway and I could then offset it against any gains - is it worth considering the tax-free amount at all?


I have also applied for a loss certificate, but I don't know whether this will help me at all if I only have one custody account (?). Originally, I assumed that I would need it in order to be able to carry over the TR losses to the next year. I was probably wrong and would not have needed it at all.


I would be very happy to hear your explanations!



3 Comments

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By applying for the loss certificate, you have unfortunately now set your loss pot to zero, so the €200 will not be carried over into the new year. Loss certificates only help you to offset your losses against profits that you make with other brokers with a different custody account, for example.

If you had done nothing at all, your losses would simply have been carried over into the new year. As far as I know, the whole thing cannot be reversed. But beware, I'm far from an expert, maybe someone else from the community can help and there are a few tricks that I don't know ✌🏼
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