3Semana·

Trading with AI

V8-Bierturbo · 2024-12-29T11:43:23.090144Z

Mahlzeit zusammen, ich bin noch recht neu im Trading-Game. Hab mich gut eingelesen (Basics) und arbeite auch viel nach Bauchgefühl. Oft nutze ich aber auch ChatGPT um meine Tendenzen prüfen zu lassen - nun hat mir ChatGPT zusätzlich zum ETF Sparplan in den $IWDA auch einen Gold-ETC empfohlen $IGLN . Was sagt ihr dazu? Schwarmwissen ist nämlich für mich auch immer eine willkommene Wissensquelle ♥️

Hello everyone,

I'm still quite new to the trading game. I've read up on the basics and work a lot on gut instinct. But I also often use ChatGPT to check my tendencies - now ChatGPT has recommended a gold ETC in addition to the ETF savings plan in the $IWDA (+0,35 %) also recommended a gold ETC $IGLN (+0,56 %) . What do you think?

Swarm knowledge is always a welcome source of knowledge for me ♥️

16 Comentarios

Patrick Schäfer@Hotte1909

3Semana

Why not? I would perhaps make sure that it is tax-free after one year, but I'm not entirely sure about $IGLN. Do you want to trade or invest properly?

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V8-Bierturbo@V8-Bierturbo

3Semana

@Hotte1909 I want to invest with the ETFs and the gold ETC and slowly build up assets via savings plans. I want to trade a few individual stocks and have some fun :)

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Carsten@Carsten1970

3Semana

@Hotte1909 According to my information, $IGLN is not tax-free.

Tax-free that I know of:

$EWG2
$SGBS
$4GLD

Carsten

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V8-Bierturbo@V8-Bierturbo

3Semana

@Carsten1970 over 1 year, then profit sales should be tax-free, according to my source

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Patrick Schäfer@Hotte1909

3Semana

@Carsten1970 I don't think it is tax-free either. The gold is physically deposited but as far as I know it is not deliverable. But that's kind of a never-ending story with the ETF 😉

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Patrick Schäfer@Hotte1909

3Semana

@V8-Bierturbo then you won't go far wrong with World and gold. Maybe add an Em and Bitcoin, but that's a matter of taste.
Remember, back and forth empties your pockets. 😉

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V8-Bierturbo@V8-Bierturbo

3Semana

@Hotte1909 EM and bitcoin is also in the portfolio:) Thanks for your feedback

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Daniel@Bidax

3Semana

@Carsten1970 Thanks for the information! I originally thought that a holding period of more than one year would generally result in tax exemption.

I was planning to save the $EWG2 via my VR Depot, but unfortunately that doesn't work. Only purchase with substantial fees. TR does not offer this option either, which is why I have now switched to $IGLN.

As far as I have found out, $EWG2 is only possible with SC.

Do you invest in gold? If so, how do you manage this for yourself? Have you set a certain percentage for yourself or what strategy do you follow? I find the topic of gold really interesting and would be happy to discuss it with you. Thank you for your reply.

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Carsten@Carsten1970

3Semana

@Bidax No, I don't have a gold savings plan. I only inherited two coins. I only have normal ETFs. I got the information about the tax from a colleague. He once sent me a chart showing which funds are tax-free and which are not.

Carsten

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V8-Bierturbo@V8-Bierturbo

3Semana

@Carsten1970 @Bidax
I downloaded the official information sheet from $IGLN from iShares:

1. transparent fund according to InvStG:
The document mentions that the ETC should fulfill the requirements of a "transparent fund" according to article 2 and 4 of the German Investment Tax Act (InvStG), but no guarantee can be given .
In the case of physically backed gold ETCs that are classified as transparent, price gains are deemed tax-free after a holding period of at least one year.

2. no current income:
The document explicitly states that the ETC generates "no income" (appropriation of profits: "No income"). This means that there are no current distributions that would be relevant for tax purposes.

3. general tax regulations:
The taxation of physically backed gold ETCs in Germany is governed by Section 23 of the German Income Tax Act (EStG) (private sales transactions). Profits from the sale of physical gold (also indirectly via ETCs) are tax-free after a holding period of one year. Sales within one year are subject to withholding tax.

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Patrick Schäfer@Hotte1909

3Semana

@V8-Bierturbo actually think you're the first person to read through the official information 😀 you could have come up with the idea yourself. Thank you for the info ❤️

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Ver todas las 2 respuestas adicionales

Nel Son@TSL-Aktien

3Semana

I can only say gold is a good investment and an ETF you should watch out for the costs. One more thing, I think investing is not a game 🙂

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Carsten@Carsten1970

3Semana

Personally, I would not make a savings plan on gold. What would be an option for me would be to buy small pieces/coins and (tax-free pieces) when the opportunity arises. In Berlin, we have a number of divorces. If there are a few euros left over, I would buy them. Maybe a small backdoor to sell if the market is bad at the moment. And of course just to have the shiny stuff. :-) and to feel like Scrooge McDuck in his gold store.............In umpteen years. :-)

Have a good start tomorrow.

Carsten

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Eugene H.@RealMrKrabs

3Semana

$WGLD is also tax-free

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