1D·

Utilize the allowance

Variuzoo · 2025-07-21T20:06:11.894579Z

Does it make sense to $VWCE in parallel with the distributing $VWRL in order to utilize the annual allowance?

Does it make sense to $VWCE (+0.45%) in parallel with the distributing $VWRL (+0.91%) in order to utilize the annual allowance?

10 Comments

SemiGrowth@SemiGrowth

You can also fill it up with the thesaurus

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Nicolas Professioneller Rolls Royce Großaktionär Coole Leute: @leveragegrinding, @SharkAce und @Lorena(aber die ist nen bisschen schüchtern)@getquinfuermerchverkauft

You can also sell the accumulator at the end of the year and buy it again

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Stuttgarter81@Moneymoney

@getquinfuermerchverkauft is not that easy. Pay attention to first in first out!

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Sachsenschleuder@Sachsenschleuder

I recently asked myself exactly the same question. Only with a different background. Of course, it depends on what your goals are. You have to be aware that the higher you invest in the accumulating ETF, the more likely it is that the returns will exceed your savings plan. Also, what happens if you are no longer convinced by a company and want to secure your return. But you don't sell to get over the tax-free amount and you end up making more losses due to a price drop? I have read many different opinions on this topic. Think about it enough. There are enough posts in the feed from people who really have a lot of experience.

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David@DerUnwissende

You can do this, but you can also simply sell shares of your accumulator. I just find it difficult to find the right amounts to sell in the accumulator. As you are probably using the savings plan and therefore your purchase price is always changing.

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Variuzoo@Variuzoo

One question that actually arises for me is the advance lump sum of the accumulator. Assuming I have so much money in the ETF at some point that the advance lump sum exceeds the tax-free amount, do I then have to advance money out of my own pocket for the advance lump sum?

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All-in-or-nothing@All-in-or-nothing

@Variuzoo simple answer: yes

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Femke@femkelbn

@Variuzoo Yes, exactly, and that's the reason why I opted for the distributing version.

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All-in-or-nothing@All-in-or-nothing

@femkelbn you simply miss out on the tax deferral effect because your taxes are levied directly upon distribution. Depending on your personal situation and objectives, this may make sense. Or not. Super individual Thema🤷🏼‍♂️

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Femke@femkelbn

@All-in-or-nothing The tax deferral effect is no longer worth mentioning since the introduction of the advance lump sum. I once calculated it for myself in various fictitious scenarios and came to the conclusion that it is almost irrelevant for me with an investment horizon of over 40 years.

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