𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽 · 2024-01-30T18:55:44.965678Z

Für die unter euch, die voll oder teilweise auf ausschüttende ETFs setzen. Wie ist eure Erfahrung mit der Vorabpauschale? Bei mir wurde ein S$P 500 ETF ($VUSA ) und ein NASDAQ 100 ETF ($EXXT ) mit der Vorabpauschale beglückt, wobei bei beiden Freibeträge abgefedert haben. Haben bei euch auch die Freibeträge die Steuerlast abgefangen? Oder wurden auch Guthaben geschröpft, oder hatte gar jemand keine Deckung gehabt?

@frugalfreisein

11Mon·

For those of you who are fully or partially invested in distributing ETFs. What is your experience with the upfront lump sum? In my case, an S$P 500 ETF ($VUSA (+0.73%) ) and a NASDAQ 100 ETF ($EXXT (+1.52%) ) with the up-front lump sum, whereby both were cushioned by tax-free amounts.

Did the tax-free allowances also cushion the tax burden for you? Or were assets also fleeced, or did someone have no cover at all?

10 Comments

Kai@fcsp

11Mon

I have two ETFs with SC and nothing has been debited from my account so far and the exemption order has not been affected either.

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EndOfWarrior@EndOfWarrior

11Mon

In my case, the upfront fee was debited from Scalable. I therefore had a negative balance. I simply transferred the difference and now I have peace of mind for this year.
P.s. I don't have an allowance with the broker either

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Enrique@Dividenden_Monteur

11Mon

Nothing has come for my $HMWO so far

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ToDaMoon@randomdude

11Mon

I thought there was no upfront fee for distributing ETFs, but only for distributing ETFs?

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Stonksonlygoup@SOGO

11Mon

@randomdude is actually the case

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

11Mon

@randomdude only as long as the distribution is higher than the lump sum, as you have already been charged capital gains tax on the distribution. With my S&P 500 ETF there were distributions, but less than the lump sum. That's how I understood it.

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Jan@JJS

11Mon

@frugalfreisein Correct!

@randomdude The idea of the 2018 financial tax reform was precisely to treat all ETFs uniformly, regardless of whether they are distributing, accumulating, domiciled in DE or not.

To check and understand for yourself:

https://www.finanzfluss.de/rechner/vorabpauschale-berechnen/

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Chreezy@Chreezy

11Mon

Since when has an advance lump sum been charged for distributing ETFs?

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Jan@JJS

11Mon

@Chreezy Since the introduction of the advance lump sum in 2018

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

11Mon

This is explained quite well here: https://www.handelsblatt.com/finanzen/steuern-recht/steuern/steuern-auf-etfs-das-bedeutet-die-vorabpauschale-2024-fuer-sie-als-anleger-01/100004702.html
Under point 3

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