3Mon·

Distributing?

Evening,

I have various distributing ETFs. What is your opinion?

Vanguard FTSE All-World High Dividend Yield WKN;$VHYL (-4.8%)), VanEck Morningstar Developed Markets Dividend Leaders (WKN: $TDIV (-4.93%) ) and Xtrackers Stoxx Global Select Dividend 100 (WKN: $XGSD (-5.43%) )

24 Comments

Rosi@RealRose

3Mon

Unfortunately only one ETF in Ireland 🇮🇪 and withholding tax is due on the rest.

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J@Draqua1

3Mon

@RealRose oh, so you'd rather just go to the vanguard?

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Specter@Specter

3Mon

@Draqua1 no, the vanguard is crap. It's kind of a mixture of VanEck and wisdometree global dividend growth, but can't keep up with either. The Netherlands is not bad for QS. May even be better than IE. Apart from that: if you're looking to accumulate wealth with a distribution, buy a distributing msci world. It's the best long-term investment!

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Specter@Specter

3Mon

@Specter Addendum: I wouldn't go by QS alone. I recently read an article about when NL ETFs are even better. Unfortunately, I can no longer find it

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Dividende > Zinsen@GoDividend

3Mon

@Specter this one?
https://getqu.in/YfioEK/

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Specter@Specter

3Mon

@GoDividend Thank you! And actually also somewhere on the usual financial portals

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Dividende > Zinsen@GoDividend

3Mon

@Specter "Fund domicile Netherlands: Possible disadvantage with withholding tax
Looking at the ISIN of the fund, we can see that the ETF is domiciled in the Netherlands: The ETF is domiciled in the Netherlands. For investors from Germany, this may result in tax disadvantages compared to an ETF domiciled in Ireland, depending on their personal tax-free allowance.

Dutch withholding tax of 15% is withheld on every distribution. If you are above the tax-free amount, this is credited in full against the German capital gains tax. You therefore pay a total of 26.375% tax (+ any church tax). However, if you are below the tax-free amount, you will still pay withholding tax.

In the case of an ETF or fund domiciled in Ireland, the withholding tax as an EU citizen is 0%. Depending on the "status" of the personal allowance, you therefore have a tax advantage here - and therefore a disadvantage with an ETF domiciled in the Netherlands. It may therefore make sense to only include such ETFs in your portfolio if your annual investment income exceeds your personal tax-free allowance anyway."
https://aktiengram.de/developed-markets-dividend-leaders-etf/

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Stewie G.@Stewie

3Mon

@RealRose Or buy swap ETFs, because you don't pay any withholding tax at all

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Sparfuchs - Aktien und Investments@sparfuchs_aktien_und_investmentments

3Mon

@GoDividend Yes, but only relevant if you are below the tax-free amount. If you are above it, the withholding tax becomes an advantage 🫡

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Dividende > Zinsen@GoDividend

3Mon

@sparfuchs_aktien_und_investmentments it says so

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Sparfuchs - Aktien und Investments@sparfuchs_aktien_und_investmentments

3Mon

@GoDividend Oh. I didn't even read that it's a benefit above the tax-free amount. And then the 26.375% tax is wrong. I just wanted to clarify that.

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View all 2 further answers

Maximilian@Max095

3Mon

$FGEQ is my favorite! Perfect mix of share price and dividend growth

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Banana M.@Banana_Millionaire

3Mon

Vanguard can do nothing but diversify.
Xtrackers is only good for the dividend. But the total return leaves a lot to be desired.

I think the Vaneck is great. High dividend, good dividend growth and still a solid price.

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