11Mon·

Distributing?

Evening,

I have various distributing ETFs. What is your opinion?

Vanguard FTSE All-World High Dividend Yield WKN;$VHYL (-0.01%)), VanEck Morningstar Developed Markets Dividend Leaders (WKN: $TDIV (+0%) ) and Xtrackers Stoxx Global Select Dividend 100 (WKN: $XGSD (-0.15%) )

23 Comments

Rosi@RealRose

11Mon

Unfortunately only one ETF in Ireland 🇮🇪 and withholding tax is due on the rest.

•

J@Draqua1

11Mon

@RealRose oh, so you'd rather just go to the vanguard?

••

AI sagt@GoDividend

11Mon

@Specter this one?
https://getqu.in/YfioEK/

•

Deleted User

11Mon

Comment was deleted

AI sagt@GoDividend

11Mon

@Specter "Fund domicile Netherlands: Possible disadvantage with withholding tax
Looking at the ISIN of the fund, we can see that the ETF is domiciled in the Netherlands: The ETF is domiciled in the Netherlands. For investors from Germany, this may result in tax disadvantages compared to an ETF domiciled in Ireland, depending on their personal tax-free allowance.

Dutch withholding tax of 15% is withheld on every distribution. If you are above the tax-free amount, this is credited in full against the German capital gains tax. You therefore pay a total of 26.375% tax (+ any church tax). However, if you are below the tax-free amount, you will still pay withholding tax.

In the case of an ETF or fund domiciled in Ireland, the withholding tax as an EU citizen is 0%. Depending on the "status" of the personal allowance, you therefore have a tax advantage here - and therefore a disadvantage with an ETF domiciled in the Netherlands. It may therefore make sense to only include such ETFs in your portfolio if your annual investment income exceeds your personal tax-free allowance anyway."
https://aktiengram.de/developed-markets-dividend-leaders-etf/

•

Stewie G.@Stewie

11Mon

@RealRose Or buy swap ETFs, because you don't pay any withholding tax at all

••

Sparfuchs - Aktien und Investments@sparfuchs_aktien_und_investmentments

11Mon

@GoDividend Yes, but only relevant if you are below the tax-free amount. If you are above it, the withholding tax becomes an advantage 🫡

••

AI sagt@GoDividend

11Mon

@sparfuchs_aktien_und_investmentments it says so

••

Sparfuchs - Aktien und Investments@sparfuchs_aktien_und_investmentments

11Mon

@GoDividend Oh. I didn't even read that it's a benefit above the tax-free amount. And then the 26.375% tax is wrong. I just wanted to clarify that.

••

Deleted User

11Mon

Comment was deleted

Sparfuchs - Aktien und Investments@sparfuchs_aktien_und_investmentments

11Mon

@Specter Wrong. You only pay solidarity surcharge on the German withholding tax. However, this is then only 10% and not 25%. This means you save 0.825% tax and only pay 25.55% tax.

•

View all 2 further answers

Maximilian@Max095

11Mon

$FGEQ is my favorite! Perfect mix of share price and dividend growth

•

Banana M.@Banana_Millionaire

11Mon

Vanguard can do nothing but diversify.
Xtrackers is only good for the dividend. But the total return leaves a lot to be desired.

I think the Vaneck is great. High dividend, good dividend growth and still a solid price.

•