9Mo
Moin
The question should be: What is your goal?
Are you dependent on cash flow? Or is your goal capital maximization?
The aim of the dividend strategy is to receive a regular, passive income.
The goal is cash flow, not capital maximization.
Dividend growth or not... on the day of the dividend payment, the value of the share falls by the amount of the dividend. The total profit of your portfolio remains the same when a dividend is paid out.
You only liquidate part of your capital.
For dividends up to the exemption limit, there's nothing to worry about; above that, dividends are paid out whether you want them or not, so tax is paid whether you want it or not.
With partial sales, for example, you can control more flexibly how much you need later, e.g. towards your pension.
With regard to capital maximization, the following question: when do you reinvest the dividends?
For every day that the dividend is in the clearing account (unless you get a good interest rate), the return on the capital market is lost.
This is what makes accumulating ETFs interesting.
What about reinvestment with order fees? Or do you wait until the next free savings plan execution before reinvesting?
Personally, I would, as long as you don't have cash flow as your goal. Primarily collect dividends/distributions up to the exemption limit and then relax and go for an accumulator/growth stock. the advance lump sum means that taxes are already due here anyway.
Maybe there is some food for thought here.
The question should be: What is your goal?
Are you dependent on cash flow? Or is your goal capital maximization?
The aim of the dividend strategy is to receive a regular, passive income.
The goal is cash flow, not capital maximization.
Dividend growth or not... on the day of the dividend payment, the value of the share falls by the amount of the dividend. The total profit of your portfolio remains the same when a dividend is paid out.
You only liquidate part of your capital.
For dividends up to the exemption limit, there's nothing to worry about; above that, dividends are paid out whether you want them or not, so tax is paid whether you want it or not.
With partial sales, for example, you can control more flexibly how much you need later, e.g. towards your pension.
With regard to capital maximization, the following question: when do you reinvest the dividends?
For every day that the dividend is in the clearing account (unless you get a good interest rate), the return on the capital market is lost.
This is what makes accumulating ETFs interesting.
What about reinvestment with order fees? Or do you wait until the next free savings plan execution before reinvesting?
Personally, I would, as long as you don't have cash flow as your goal. Primarily collect dividends/distributions up to the exemption limit and then relax and go for an accumulator/growth stock. the advance lump sum means that taxes are already due here anyway.
Maybe there is some food for thought here.
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22
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9Mo
@VP good food for thought maybe I shouldn't just look at one extreme but simply create a mixture of both.
The only problem I see with dividends is that every time one is paid out, something is lost (taxes) and that over the years is just lost money
Regarding your question about reinvesting, I run savings plans and stocks that I hold for more than 1 year, I look at what I have received in dividends in the year and these are added on top of the regular savings plan for the respective stock.
The only problem I see with dividends is that every time one is paid out, something is lost (taxes) and that over the years is just lost money
Regarding your question about reinvesting, I run savings plans and stocks that I hold for more than 1 year, I look at what I have received in dividends in the year and these are added on top of the regular savings plan for the respective stock.
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@VP My answer should have been können❤️🙏🏼
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22
•@VP I don't really keep dividends in my account for long, I have weekly savings plans (or there are simply 4 dates per month))
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