1Yr
I agree (almost) completely, except for: Accumulator > Distributor The accumulator is more tax-friendly. If I were to put everything into the distributor, for example, I would be well above the tax-free amount. Since I still have about 20 years until retirement and the ETF will be properly saved until then, I would pay a lot of taxes every year instead of benefiting from compound interest. The tax-free amount is simply used by selling and buying at the end of the year.
And the advantage: If you are just starting out, you can use it much more quickly than with the distributor (who needs about 80k for this, I think). In old age, you can then improve your pension by selling units instead of distributing them. Distributing or selling units depends on exactly the same thing, see here: https://gerd-kommer.de/dividendenstrategien-fakten-und-fantasien/
And the advantage: If you are just starting out, you can use it much more quickly than with the distributor (who needs about 80k for this, I think). In old age, you can then improve your pension by selling units instead of distributing them. Distributing or selling units depends on exactly the same thing, see here: https://gerd-kommer.de/dividendenstrategien-fakten-und-fantasien/
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@six In 2023, the accumulator also needs a deposit volume of €80,200 in order to fully utilize the tax-free amount of €1000. This is because the taxes of the advance lump sum also have to be paid. Why Thesaurierer is nevertheless minimally better, I had written in my contribution *better alone in terms of long-term asset accumulation with the focus on capital growth.
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@six that is absolutely correct and important, but that is not the point of this post 😅
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•1Yr
@DonkeyInvestor just wanted to mention it because you have always attracted the Ausschütter 😂😉
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