almost 1000€ savings plans with 21? strong.
I think the breakdown is quite good, but I wonder if you know that all ETFs are 60% the same. Also nasdaq and S&P.
Leads to a very strong US focus, which is fine for me. It's just more risk than adding EM.
I would never sell just for the free cash.
If you want to sell Nvidia, do so, the consolidation will slowly come here too, but perhaps the momentum will return.
Don't sell ETFs just to take the allowance, think about that in 20 years' time.
I think the breakdown is quite good, but I wonder if you know that all ETFs are 60% the same. Also nasdaq and S&P.
Leads to a very strong US focus, which is fine for me. It's just more risk than adding EM.
I would never sell just for the free cash.
If you want to sell Nvidia, do so, the consolidation will slowly come here too, but perhaps the momentum will return.
Don't sell ETFs just to take the allowance, think about that in 20 years' time.
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•@leveragegrinding 650 Euro savings plan, 200€ pension provision also theoretically counts as an investment and otherwise there is another 1000 Euro that goes either into shares or just the basis, i.e. ACWI IMi.
Or what should his first sentence mean, a lot or a little?
Yes, I know that they are the same. But since I'm assuming over 20-30 years, I think they might diversify a bit in the future.
Why exactly shouldn't you use the allowance? I'm still pretty new to this. Many thanks for your feedback!
Or what should his first sentence mean, a lot or a little?
Yes, I know that they are the same. But since I'm assuming over 20-30 years, I think they might diversify a bit in the future.
Why exactly shouldn't you use the allowance? I'm still pretty new to this. Many thanks for your feedback!
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@Maddy-0 A lot! I don't know what you do, but putting away 1000 in addition to studying or training is insane
You can of course use the tax-free allowance, but I wouldn't sell shares just for that :)
For example, you could buy an ETF that pays out dividends so that the allowance is gone and then add the Acc from a certain amount.
like here at @Lorena, she also wrote a post about it I think
https://app.getquin.com/en/activity/CtjdOjCclh
You can of course use the tax-free allowance, but I wouldn't sell shares just for that :)
For example, you could buy an ETF that pays out dividends so that the allowance is gone and then add the Acc from a certain amount.
like here at @Lorena, she also wrote a post about it I think
https://app.getquin.com/en/activity/CtjdOjCclh
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@leveragegrinding However, the contribution is not via the lump sum 😅 but via the partial exemption
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•@Lorena and crap
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•@leveragegrinding normally earn just under €2400 in accounting and a part-time job of €200-520 and only have fixed expenses for the car, which is already €3-400. Insurance provision 300 and then there is just under 2k left over. But of course this changes when you move out or build a house
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@leveragegrinding But you need a huge amount to fill in the tax-free amount with distributing ones, don't you? In addition, there is also the input tax on the accumulating ones that are still deducted?
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@Maddy-0 I don't know what you call a huge amount, but in the low 5-digit range it's not bad. You also have the strategy of leaving room for growth - but it all depends on the investment period. Right, you pay the upfront fee on the accumulator, at least at the moment. Finanztip can recommend the video on YouTube
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