212

@German1 Again and again with pleasure

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Soprano@Soprano

18H

Question: are these real shares or are they contracts for difference based on shares or certificates? Do I theoretically also have voting rights etc. with them? (how can I tell if they are shares)?

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Marco@Marco_91

10Min

@Soprano that would interest me too :)

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Teo@teoo

Been using it for a year now, Cannot complain, all in all top experience so far. Community there also great.👍🏼

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Yieldrology@Yield-Ahead

I find the pies interesting. Do you know whether ETFs can also be combined to form a pie, for example a pie with different CC ETFs?

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@Yield-Ahead Yes, that also works. Then of course the TER fees are still added

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The pies are exciting. 🤔
Thanks for the introduction!

If someone can now verify for sure that the broker is tax-simple in DE, it might also be worth testing for me. 😁

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@Metis so you can enter FSA and tax ID. There are different opinions here in the forum. I haven't sold anything myself yet, so I can't tell you whether it's really the case. But our dear @lawinvest has read up on it and she also thinks that it is tax simple

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@Hotte1909 Unfortunately, I can also find different statements on this from different media via Google search.

I'm still digging through their website to see if there's anything about it.

I really don't want to have to worry about my taxes manually, with amounts as low as they are at the moment. 😅

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@Hotte1909 at least that's what it says in the investment conditions.

I'll probably post and present two pies later ;)

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@Metis Investment condition point 35

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@lawinvest Thank you, with your help I can search more specifically. 😁

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@lawinvest I'm curious 😉 I also want to share my pie later, although it actually only consists of my watchlist plus a few others. But I don't know how I'm going to do that yet.

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@lawinvest However, I find point 35 c rather contradictory to the two points listed above and somehow not very clear. It basically states that they are not obliged to deduct tax on dividend payments and realized gains.

In points a and b, they only refer to "all interest income" and "all goodwill compensation", which are treated and paid according to German tax law, including the tax-free amount (if set).
transferred.

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@Metis Yes, you may indeed be right that they only partially deduct tax. However, 35.3 refers to "taxable income". We'll probably see at some point 👀
I don't really care, as I have to file a tax return anyway 😅

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@lawinvest I actually have a dividend growth portfolio at work, so it would be relevant for me whether I have to file a tax return or not. 😅

I haven't had to do it yet, and for a current monthly average dividend of around €15, it's not really worth the effort. 😅

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Voir toutes les 2 autres réponses

@Metis But a tax return is usually worthwhile for everyone anyway 👀

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Jarod@TradingHase

23H

The pies are really something new. What is the TER of these or does it vary depending on the composition?

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23H

@TradingHase do not have a TER. Unless you include ETFs, of course, then you have the TER of the ETF.

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Jarod@TradingHase

21H

@Hotte1909 That is indeed an interesting novelty 👍🏼 But now a third broker again... 🙈

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21H

@TradingHase yes, definitely interesting. Theoretically, you can set your alcolation and then stubbornly save what I know 70% world and the other 30% spread over 10 individual stocks with a 3% weighting each and at the end of the year you simply let it rebalance automatically and have your alcolation again

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Mo@BigMo

22H

Looks really interesting! Thank you

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Jari Stark@MainTyp

19H

Thanks @Hotte1909 is really interesting, also the credit card with 2% cashback ( ok but only 0.5 % from 1.11.2025 ) I'll take a closer look. Registration is out :)

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@Cato_Bamboo Here is a quick overview

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I also started with 212 a few years ago, but I'm now with ING because of the simplicity of the taxes.

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@Shiya 212 is now probably also tax-simple. At least I can enter my FSA and my ID

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@Hotte1909 The advantage of 212 and ING over Trade Republic or Scalable is that there are many foreign stocks to trade. 👍🏻

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@Shiya yep. however, some like Droneshield are also not tradable

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ING may be more expensive than 212 or Scalable, but the service is great and Droneshield is also available there. There was only one share that I actually wanted to buy, but it's not available at ING. But it is already available at 212. $PGY might be worth an eye for you.

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@Shiya I have nothing against ING 😉 my main custody account is with Volksbank, but ING is cheap 😉 I trade or build up my shares via TR and then move them to Volksbank when they are full. Just as an example, a trade at Volksbank costs about 17€ plus at least 5€ holding costs per position per year 😉

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@Hotte1909 So why are you with the Volksbank? Because you have so much money and you feel safer?

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@Shiya somehow convenience. I've also been thinking about switching for what feels like an eternity, I've somehow got everything in the way Volksbank an Konten....Firmenkonto Privatkonto... but I also still have old cooperative shares, not the ones that are available today but real ones

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Gomerdoc@Gomerdoc

@Shiya because of the taxes? Can you explain this briefly? What makes ING better than other brokers in terms of taxation?

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@Gomerdoc I think he simply means because ING like TR, Scalable and Co are tax-simple in Germany.

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Voir toutes les 6 autres réponses

@Hotte1909 Exactly. German brokers automatically pay taxes.

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Eselai@DonkeyInvestor

Exciting, thanks for the insights. However, the pies are far too small for @Simpson. How much does the fun cost? Where do they sit?

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@DonkeyInvestor In Germany this is done via FXFlat Bank.
It's free of charge. You only pay 0.15% for trades in foreign currencies, i.e. if you want to buy on the Nyse or Toronto or I don't know where 😉
Our dear @Simpson can then invest 4 pies 😉

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Kate🦋@Iwamoto

15H

@DonkeyInvestor They are based in Bulgaria and England. To be honest, that's also the reason why I don't use my custody account.

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Kai@KaRamba

Thank you! For a coffee...

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@KaRamba Kiss on your eye 💋 😘

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Felix@Shareholder

Wow. Thanks for the exciting article.
The pies sound exciting and I would love to try them out. Do you have a ref link that the referrer and advertiser can use to get something? :)

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@Shareholder unfortunately there is currently no promotion 😀 perhaps it would have been better to wait until the next promotion starts before introducing it 😉

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Kai@KaRamba

I've just read through the reviews of Trading 212 in the PlayStore. Some of them are very mixed. The support is probably even worse than the TRADE REPUBLIC support that is often criticized here and some functions are quite poorly implemented. I'll wait for your experiences before I trust them with my money.

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