Accumulation can certainly be better if your custody account volume is important to you as a figure. But it won't do you any good. When you sell, you always get less back because of order fees and taxes.
There is also the issue of tax on the advance lump sum. Yes, this can also apply to distributors if they are low, but not that significantly. You won't notice it at first because the tax-free amount might absorb it. But at some point it just gets on your nerves and you always have to keep extra liquidity for it. That's just rubbish.
For me, the distributions are the measure of all things. Of course I also pay taxes, but they are still more advantageous for me. And in addition to the general lessons such as "you decide for yourself how you reinvest (or not)" and "it helps you psychologically to have distributions when the market crashes", your 9-month sick leave is exactly the kind of example I've always been looking for to support my argument. You're just happy if you can top up your sick pay with dividends. In a situation like that, selling hurts even more. That's why I advise everyone to focus exclusively on distributors, at least when it comes to ETFs. Even if they are only moderate distributors. 2% to max. 4 or 5% is the way to go (for me).
I have several ETFs in several portfolios. The portfolios have different strategies. And without saying which ones I have in detail and how heavily weighted they are, I'll just list the babies that pop into my head 🥰: $VWRL $VHYL $VUSA $TDIV $FGEQ $GGRP $JEPQ $ZPRG $SPYD $SPYW $IWDP $ISPA $IMEU. They're not all of them yet, but these are the ones that come to mind. The order does not allow any conclusions to be drawn about the position size. They are all built into the portfolios so that there are distributions every month. 🤑
There is also the issue of tax on the advance lump sum. Yes, this can also apply to distributors if they are low, but not that significantly. You won't notice it at first because the tax-free amount might absorb it. But at some point it just gets on your nerves and you always have to keep extra liquidity for it. That's just rubbish.
For me, the distributions are the measure of all things. Of course I also pay taxes, but they are still more advantageous for me. And in addition to the general lessons such as "you decide for yourself how you reinvest (or not)" and "it helps you psychologically to have distributions when the market crashes", your 9-month sick leave is exactly the kind of example I've always been looking for to support my argument. You're just happy if you can top up your sick pay with dividends. In a situation like that, selling hurts even more. That's why I advise everyone to focus exclusively on distributors, at least when it comes to ETFs. Even if they are only moderate distributors. 2% to max. 4 or 5% is the way to go (for me).
I have several ETFs in several portfolios. The portfolios have different strategies. And without saying which ones I have in detail and how heavily weighted they are, I'll just list the babies that pop into my head 🥰: $VWRL $VHYL $VUSA $TDIV $FGEQ $GGRP $JEPQ $ZPRG $SPYD $SPYW $IWDP $ISPA $IMEU. They're not all of them yet, but these are the ones that come to mind. The order does not allow any conclusions to be drawn about the position size. They are all built into the portfolios so that there are distributions every month. 🤑
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@frugalfreisein Good morning to you ,
Yes , life shapes and is not infinite . Just as growth is not infinite for me .
I'm completely with you on that. Anyone who has income and money should also pay taxes....your babies, I also have some of them on my screen...but I'm just not sure about some of them either. I wish I could just write to someone here privately 😅 And regarding size order, I don't think a 1 to 1 copy would suit me ... one way yes, but somehow I also want to bring my idea to the table a bit
Yes , life shapes and is not infinite . Just as growth is not infinite for me .
I'm completely with you on that. Anyone who has income and money should also pay taxes....your babies, I also have some of them on my screen...but I'm just not sure about some of them either. I wish I could just write to someone here privately 😅 And regarding size order, I don't think a 1 to 1 copy would suit me ... one way yes, but somehow I also want to bring my idea to the table a bit
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