9Mon
I find the topic really exciting. I only understand a fraction of it, but you can always learn :) But I have one question (you only mentioned it briefly): how do you deal with taxes? What do you mean by coat? As I understand it, with 26% capital gains tax, I would have to be at least 27% in the black every time to make a profit.
••
@xkniggo 1. you only pay tax on capital gains. You've made another mistake. If you invest 100K and sell it for 127K, you only pay tax on the 27K.
2. a partial exemption rate of 30% often applies to equity ETFs, which reduces the final withholding tax rate to around 18%.
3. you have allowances of 1000 euros each for capital gains (gold, currencies) and investment income (shares, etc.)
4. you can use the loss pot and loss carryforwards.
In my experience, this means that a significant tax burden only arises from a 6-digit investment volume. In addition, the expected return of such a model should be so significantly higher than the 7-8% of a global ETF that it is also worthwhile after tax.
The term "shell" refers to insurance solutions or a wikifolio within which tax-free trading is possible. You have to calculate individually whether this is worthwhile.
2. a partial exemption rate of 30% often applies to equity ETFs, which reduces the final withholding tax rate to around 18%.
3. you have allowances of 1000 euros each for capital gains (gold, currencies) and investment income (shares, etc.)
4. you can use the loss pot and loss carryforwards.
In my experience, this means that a significant tax burden only arises from a 6-digit investment volume. In addition, the expected return of such a model should be so significantly higher than the 7-8% of a global ETF that it is also worthwhile after tax.
The term "shell" refers to insurance solutions or a wikifolio within which tax-free trading is possible. You have to calculate individually whether this is worthwhile.
•
11
•