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Dividende > Zinsen · 2024-09-01T15:55:44.203133Z

Mehrmals ein Etf auf den gleichen Index wird hier immer in Frage gestellt kann aber unter bestimmten Bedingungen und Finanzplanungen durchaus Sinn machen. Die 3 Mal 10 Regel wird im Artikel ( Link unten erläutert) Wenn wir das jetzt Mal so nehmen warum nicht immer einen Etf nicht auf 10 Jahre sondern auf einen bestimmten €Betrag (bezogen auf die Einkaufspreise). Warum nicht also alle 10 20 oder 30tsd € sich einen neuen suchen? Würde doch auch durchaus Sinn ergeben oder? Gut wenn du in Rente geht's sieht es wild aus im Depot aber entspricht dich eigentlich genau dieser Taktik? Was meint ihr dazu? Mit einem Aktien mach ich es zum Beispiel genau so. €Grenze setzen sich dann die nächsten Postionen aufbauen. Konstruktiv oder bullshit? https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/ $HMWO $SC0J $XDWL #msci

Dividende > Zinsen

@GoDividend

4Lun·

Multiple ETFs on the same index are always questioned here, but can make sense under certain conditions and financial planning.

The 3 times 10 rule is explained in the article (link below)

If we take this as an example, why not always invest an ETF not for 10 years but for a certain € amount (based on the purchase prices). So why not look for a new one every 10, 20 or 30 thousand euros?

Wouldn't that also make sense?

Well, when you retire it looks wild in the portfolio, but does this actually correspond exactly to this tactic?

What do you think? I do it exactly the same way with one share, for example: set a € limit and then build up the next positions.

Constructive or bullshit?

https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/

$HMWO (+0,42 %)
$SC0J (+0,41 %)
$XDWL (+0,42 %)
#msci

www.finanztip.deSo holst Du mit der Finanztip 3×10-Strategie das Maximum aus Deinem ETF

28 Comentarios

Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor What do you mean? You have also included another world ETF, albeit for other reasons as you said

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend I haven't read the strategy. But I also save up to a certain amount (which is well over 30k though). Ultimately, the question here is rather, what does it cost (5 minutes time) and does it have any disadvantages (no)? So just go for it. Everything doesn't always have to look spick and span. It's your depot. If necessary, just set it to private 😘

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor We are not in a beauty contest, my dear donkey.

You might be interested in the tax aspects of the distribution in the report😅

Thank you for your feedback

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend Put them together for me!

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend skimmed through it myself. This is one of the reasons why I switch ETFs. I could theoretically achieve the same effect with a custody account transfer and similar methods. But it is much more time-consuming.

So you could have figured it out much earlier if you had just read my post

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor Blah blah blah. I was referring to your post 😅 so you can see that I read it. But you were referring more to different providers (I think) because you didn't want to have everything with one provider. Would you have listed the tax aspects as well? I can't remember that fact

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend Yes, I had. Drank it all away 😁

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor please link it here. Then there will be a coherent picture 😅

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend uff, I've been posting so much garbage lately. I really have to scroll a long way

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor better you than me 😅

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend 🖕

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Nostradonkey💩@DonkeyInvestor

4Lun

At the request of @GoDividend, here's another post from me with a similar topic (from six months ago, so the good guy could have already known everything 😁).

https://app.getquin.com/de/activity/UQQkisNzUA

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor wouldn t have wouldnt have bycicle chain

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Nostradonkey💩@DonkeyInvestor

4Lun

@GoDividend what do you mean?

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Dividende > Zinsen@GoDividend

4Lun

@DonkeyInvestor would have had a bicycle chain but my english is not the yellow from the egg.

Thank you

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six@six

4Lun

If I do this later, then at most through partial custody account transfers

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Nostradonkey💩@DonkeyInvestor

4Lun

@six and you can do that? It already fails with the credit card 😁😘

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six@six

4Lun

@DonkeyInvestor I am now a portfolio transfer master. Made almost as often as I bought/sold my individual shares 😂

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Nostradonkey💩@DonkeyInvestor

4Lun

@six Do you want to be my bank advisor?

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six@six

4Lun

@DonkeyInvestor I could recommend the Barclays Visa. There's also a €20 bonus 🙃

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Nostradonkey💩@DonkeyInvestor

4Lun

@six I already have 😃

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AL@AL_85

4Lun

M. In my opinion, there are no rational reasons against the strategy. Provided there are sufficient ETF alternatives with virtually the same performance. The tax advantages in the deconsolidation phase are obvious.

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Nostradonkey💩@DonkeyInvestor

4Lun

@AL_85 I can think of another tip where success is also obvious: Use toilet paper on both sides 👍

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Larry L.@Testolobster

4Lun

Reads well, but what is it like to save in a distributing etf 🤔

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Alpalaka@Alpalaka

4Lun

Stupid question: the history is not transferred when the custody account is changed (is it?)

Example:
2020 Purchase 1: 1 share for €100
2021 Purchase 2: 1 unit for €150
2022 Purchase 3: 1 unit for €250
Buy In: 166,67€
If I sell the first unit now, I pay taxes based on the €100 purchase price (it's clear, FiFo)

If I now make a portfolio transfer, I have bought 3x at € 166.67 each. If I sell the first share, I pay tax on the €166.67.

Is that right?

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Dividende > Zinsen@GoDividend

4Lun

@Alpalaka no experience but sounds plausible

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Alpalaka@Alpalaka

4Lun

@GoDividend unfortunately not.
Answer from ING:

We are happy to help.

In the case of a transfer within Germany, the relevant acquisition data for tax purposes is usually transferred as well. This is usually done electronically. The transferring bank is always responsible for this.

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Dividende > Zinsen@GoDividend

4Lun

@Alpalaka great. Also right 🤣

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