I agree with every word you've said. I have said goodbye to most individual stocks. I form my world AG but with 6 ETFs. ...then my congratulations - being a dad is really something great. My son is now 5 years and my whole pride - unbelievable how you can love a person 🫶...but life changes 180 degrees - at least it was with me so. ...with the birth of the child, but also economically really great opportunities arise - topic non-assessment certificate you should definitely look at. Many greetings from Stuttgart
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@Moneymoney thank you. How exactly can this benefit me?
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@DonkeyInvestor We adults only have tax-free allowances of up to 1000 euros per year. Children can collect up to approx. 10000 Euro tax-free. Attention from a limit of about 7000 euros, they would have to take out an independent health insurance - the limits are adjusted annually. You have to be aware that it is a gift to the children and that you cannot simply transfer it to yourself later - otherwise the tax office will probably contact you. I have therefore donated quite a large sum to my son and only use distributing ETFs. My annual goal is to max out his 7 K in allowances and of course the 1 K each from me and my wife. So 9 K of realized gains per year. I love to save tax and I have no problem with the gift to my son.
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•@Moneymoney mega, thanks for the tip
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@DonkeyInvestor very much. The formula for seh children is a little stupid to calculate. If you have found this out exactly, then please let me know. I have made a note to myself that I will check this again more closely at 6820 euros- since having your own health insurance would of course negate all the positive effects again. We have applied for a non-assessment certificate for the little one and deposited it with all banks. Profits are then transferred immediately without deductions.
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•@DonkeyInvestor if i were starting from scratch, i think i would put 150 K in vanguard high dividend (as core) and then from the returns about 500 a month. invest 200 msci world, 200 small caps and 100 em imi
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•@Moneymoney happy easter 🐣
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@Moneymoney for that you first have to have 150k left 😁. Thanks to you anyway and just as happy Easter 🥚😊
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