1Semana·

Capital-forming benefits...

$XDWD (+0,17 %) ...don't beat a gift horse ;)

Let's see what happens after the 6 + 1 years.

11 Comentarios

1Semana

Yes, but you pay a part of it to the providers, they are not that cheap. But it's better to take money and multiply it than do without it, even if the fees are higher.

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Dandy@Ren13

1Semana

@DerUnwissende That's right, it's a pretty expensive custody account. But it makes sense to decouple the VL custody account for the sake of clarity alone.

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David@DerUnwissende

1Semana

Yes, but in the end you get more out than you put in, so it fits.

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Solitair@Solitair

1Semana

I paid €40 into $EXXT via VL at ebase for seven years and then transferred it to scalable. It has performed well. Out of sheer nostalgia, I now simply continue to save €100 every month on the Nasdaq 100, but with a cheaper ETF.
I now invest the paltry 6.65 that my employer gives me as a vl with Ginmo without any additional personal contribution and no longer bother with it.

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Dandy@Ren13

1Semana

@Solitair However, you could top up the 6.65 yourself for the state subsidy, which I believe is up to €400 per year, i.e. a subsidy of €80

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Solitair@Solitair

1Semana

@Ren13 What kind of state subsidy do you mean?

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Dandy@Ren13

1Semana

@Solitair 20% on VL in ETF savings plans up to €400 per year - until then you could sensibly increase your VL payment.

You just have to state in your tax return that you are saving VL.

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Gehebeltes-EFH@Gehebeltes-EFH

1Semana

@Ren13 The limit for the allowance is €40,000 taxable income. Some are above that.

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Solitair@Solitair

1Semana

@Ren13 Oh, the employee savings allowance or whatever it's called, I've been over it for a long time.

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ur@ur_dbfn

1Semana

@Ren13 I'm currently also still with Ebase/FZN... Do I understand correctly: You invest the 6.65€/month with Ginmon Global VL and then pay 0.75% fees per year?

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Julian@MoneyISnotREAL

1Semana

@ur_dbfn That's how I would understand it. 0.75% on the deposit volume (not on the money paid in)!

I myself have my VL account with OskarVL. I also had a look at Finvesto at the time. A friend of mine is there.

However, I myself have only had ~1 year of experience with Oskar-VL. Opening an account, making a deposit and investing have not caused any problems so far.

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