Is there an even more passive form of income than dividend ETFs?

$JEGP (+0.05%)
$TDIV (-0.63%)
$JEPQ (-1.13%)

Wasn't $JEPQ (-1.13%) not also on 07.02. payday? There has been no dividend payment at Trade Republic so far

Would be really cool if you could $JEPQ (-1.13%) savings plan at ING... but unfortunately :/

$JEPQ (-1.13%)

Hello,

As you know, the first distribution from $JEPQ (-1.13%) . I received this from Scalable, but the statement makes me a little suspicious. No taxes were deducted and no exemption order was used.

The document also states

"Please note your possible reporting obligation according to paragraph 67 AWV. Income from capital assets within the meaning of Section 20 EStG is subject to income tax."

Furthermore:

Payment period 01.01.2024 - 31.12.2024

Payment date 08.01.2025

Do I have to declare this separately in my 2024 tax return?

How do your brokers handle this?

I'm assuming that these are still the teething problems that have already been mentioned here, but I'm not sure whether I need to take action now or can wait and see? The year is still long. I'm only worried about the tax return for 2024.

Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (-0.91%) alternative an ACWI

or

b) 50% $VUSA (-1.13%) or MSCI USA

35-40% $WEXU (-0.41%) ( MSCI World ex USA)

10-15% $VFEM (+0.28%) or $EIMI (+0.06%)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (-1.05%) or $WEXU (-0.41%) but this is only available on an accumulating basis

50% $JEPQ (-1.13%)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

$JEPQ (-1.13%) I had mentioned somewhere in the comments that the Etf does not yet take the partial exemption into account in the distribution.

The answer from ING's customer service:

So it's running

@Yield-Ahead