@thewolfofallstreetz because if you reinvest the divi, it makes almost no difference whether I take an ACC or distribute it. The advantage is that I don't have to reallocate at some point or need a withdrawal plan later, but can reduce my working hours earlier with the divi if necessary and don't have to directly access the ETF amount itself. Many people also forget about FiFo when withdrawing, which can be uncool from a tax perspective.

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The W.@thewolfofallstreetz

@MCKrummel-Divi-Holding Understand. It depends on the individual case and your personal preference. Once you have collected a nice sum, you have to pay tax on the distribution as soon as the tax-free amount is exhausted, so you can't reinvest the full amount. You do this manually and not automatically. Your snowball may not grow as large over the years as with the accumulator. The up-front lump sum must also be taken into account for both types of ETF. You can cushion the FiFo somewhat, for example, by setting up a new accumulating ETF every 10 years and selling it later in old age after the LiFo. This will save you tax on the oldest ETF with the highest gains.

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