75% Developed world, 15% EMM ex China, 10% Gold.
Weekly contribution to get the amount invested I want for retirement.
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@DEW_7240 Me parece interesante.
El oro, ¿sólo para proteger como reserva ante bajada del fondo desarrollado? ¿Para reducir volatilidad?
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@Kspykee diversification in a different asset class. Not cash reserve.
In Germany some physical gold ETC can be sold with 0% tax if held for >12 months. So as long as this rule remains gold jas a nice bonus to it.
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@DEW_7240 en España no tenemos esa ventaja fiscal.
Solo la de traspaso entre fondos noETF sin coste.
Podemos vender (pagando plusvalía) o traspasar entre fondos a coste cero. Todo lo demás, tributa.
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Imagen de perfil
@Kspykee Puedes comprar oro físicamente en la joyería de tu barrio como inversión y este esta exento de pagar IVA. Eso si, oro de inversión, no joyas, lingotes.
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In Germany the ETC that gives you the option to deliver the physical gold if you want (just the option needs to exist) are treated like described above - physical investment gold you buy/sell at the gold shop or bank.

But aside from that gold can carry in times when stocks are under pressure. If this will be true in the future I can't say. This year has been "interesting".
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