So for me, the division into accumulating and distributing ETFs makes no sense at all. If you reinvest anyway, it's nonsense. The mere aim of achieving the lump sum is then irrelevant.
Can you give me the reason? :)
Can you give me the reason? :)
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@WirecardCFO You can save several thousand euros in taxes if you do it cleverly. The dividends you pay tax on now will not be due a second time later. So make use of the tax-free amount to some extent now so that you pay less tax when you sell/withdraw your shares. In the case of the accumulator, the tax burden is paid all at once later and you have only utilized the saver's allowance slightly each year due to the advance lump sum. As you cannot use it retrospectively, you have given it away and pay more tax. The combined solution therefore makes the most sense and is the most tax-optimized (you could also do it via rebalancing, but that's how I do it).
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•Yes, but only on the condition that you don't reinvest the money. If you put it straight back into the accumulator, it doesn't matter
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@WirecardCFO no, you still pay tax on it when you reinvest :) and still benefit from the compound interest effect, just not quite as well as with the accumulator. If you don't reinvest the distributions, you're at a disadvantage in terms of money
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