3Année·

I would like to get some thoughts from you guys on the following:

For reasons (tax shit) I have around 100K for about 1 year. After that I have to give the money to father state (before I explained that is the year again so we accept it like that - ok? Yes I could give that back earlier but I don't want to).

Now the question how can I use the money in the meantime best.

in shares is of course nonsense because I take an inherent risk with it.

About Traderepublik and 2% interest I have thought. But is it really worth the stress for a few Euronen. With the risk that the interest rates are lowered conditions change and payouts may take forever. Are there possibly providers with more interest?

last but not least a very risky idea:

everything in $VWRL and then save back from the current salary... understandable?

I would be happy you can give me some food for thought. Thanks!

if I do not get any tips I invest in: $n/a (+0,12 %)

18 Commentaires

Stefan@InvestmentPapa

3Année

Tax money? Give us our money back! But quickly! 🥴 (Otherwise call money account)

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Epi@Epi

3Année

Money market fund also goes, brings almost risk-free almost prime interest rates, currently about 3.5%, and can be sold at any time, unlike time deposits. $DBXT

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Jari Stark@MainTyp

3Année

@Epi 1 year 0.7% ?

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Epi@Epi

3Année

@MainTyp After all, interest rates were still falling until October. 😂

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Jari Stark@MainTyp

3Année

@Epi good morning, yes right there was something :)

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six@six

3Année

@Epi But you have to be aware that they are swap ETFs. I recently heard that there is also a risk in view of the current banking situation.

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Epi@Epi

3Année

@six Yes, that's right, that's the residual risk. I don't think these ETFs are part of the special assets and are not deposit-protected. You have to read everything carefully. You have to do the same with time deposits.

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Dennis@GordonGekko83

3Année

What reason is that?! 😳 Everything kosher?! No matter for the investment only call money comes into question, otherwise you have after a year possibly big problems?!🤷‍♂️ Where is that just around the money?! Didn't you have to give any information about the origin of the money? Is already a Sümmchen.

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JKTaurus@JKTaurus

3Année

@GordonGekko83 absolutely legal and simply due to stupid tax regulations in DE. So don't worry. 😅

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Johannes@Johannes_J

3Année

You could possibly look at government bonds with the appropriate maturity. For example, for about 1 year https://www.boerse-frankfurt.de/anleihe/de0001104875-deutschland-bundesrepublik-0-000-22-24

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Smudo@Smudeo

3Année

🤔 you give it to me, then I give you back 105,000 at the end of the year so 5%.

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JKTaurus@JKTaurus

3Année

@Smudeo sounds fair, just comment your bank data here and then it fits.

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Mister_ultra@Mister_ultra

3Année

Also have a look at the LYX047. This is a Lyxor money market ETF in Euro. It gives you pretty much the current ECB interest rate.

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Investor@Investorentagebuch

3Année

I have formed IABs, so I have the money in doubt 3 years. You will probably pay 1.8% interest to the tax office, right? If so, you have to exceed that, of course. Another option would be bonds with a short remaining useful life. But of course, they also have a certain risk.

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Fred@Fred297

3Année

Short-term bonds?

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Johannes@Johannes198

3Année

I have my tax reserves at Scalable and Trade Republic because I already had the accounts there. If the interest rates or conditions change there, you can still open a call money account or two. The interest rates are still on the rise anyway. The decision of today can be wrong the day after tomorrow.

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Utilisateur supprimé

3Année

Le commentaire a été supprimé

JKTaurus@JKTaurus

3Année

@D-Duck thanks now I only have to understand what it's actually about but I'm sure I'll get there 😅

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