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I think I also prefer to remain a private investor. Seriously, where the state is involved with a bit of funding etc., there's too much bureaucracy and external influence.
Why not simply increase the saver's allowance from €1,000 to €12,000? This would benefit many more people who save
Why not simply increase the saver's allowance from €1,000 to €12,000? This would benefit many more people who save
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@BockaufDividenden It is much more interesting for the state how many assets you own :)
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@Aktienorang-Utan for more redistribution although I have already paid tax on everything umpteen times
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@BockaufDividenden I agree. If the state has its hands on the product, I have problems with that. Let's see what is actually realized in the end. Until then, I prefer to manage everything myself.
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@BockaufDividenden So you would rather pay more tax than use a custody account with state subsidies?
On what grounds?
You also use the saver's allowance, what's the difference?
It's not like you're opening a custody account with the tax office.
These custody accounts should be offered by normal custodian banks.
On what grounds?
You also use the saver's allowance, what's the difference?
It's not like you're opening a custody account with the tax office.
These custody accounts should be offered by normal custodian banks.
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@TotallyLost no, of course I wouldn't pay more tax than usual :) But as we know the state, these types of deposits are then linked to conditions such as blocking for several years or you choose. For example, with VL savings, you have a deposit with a measly 40€/month deposit possible, then you get inflexible access, partly with repayments (only promotion) and then in the 7th year also blocked for 1 year.
Nope, completely inflexible and too rigid a corset because the state over-regulates again. The German state does not know pragmatism.
That's why I've become extremely suspicious of the state when it comes to financial matters, also due to numerous other examples.
Nope, completely inflexible and too rigid a corset because the state over-regulates again. The German state does not know pragmatism.
That's why I've become extremely suspicious of the state when it comes to financial matters, also due to numerous other examples.
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@BockaufDividenden Yes, but it's not made for you, it's intended as an incentive for people who haven't covered anything or very little so far.
You can tap into the subsidy in one account and at the same time keep another, which is flexible.
It's no different with the American 401k, if you withdraw money beforehand, the special accounts also expire.
And if you generally don't trust the state when it comes to property rights, then you would have to hold shares outside the EU, or physical gold / BTC.
If the market believed that assets in Germany are not safe, then German Gov.Bonds would have a whole interest rate and rating.
I hope that it comes to you... maybe Austria will follow suit... at the moment we don't even have an exemption amount. 😭
You can tap into the subsidy in one account and at the same time keep another, which is flexible.
It's no different with the American 401k, if you withdraw money beforehand, the special accounts also expire.
And if you generally don't trust the state when it comes to property rights, then you would have to hold shares outside the EU, or physical gold / BTC.
If the market believed that assets in Germany are not safe, then German Gov.Bonds would have a whole interest rate and rating.
I hope that it comes to you... maybe Austria will follow suit... at the moment we don't even have an exemption amount. 😭
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@TotallyLost You're right about everything.
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@BockaufDividenden Tax-free amount simply to € 1 million. 95-99% are relieved with minimal tax losses.
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•@PikaPika0105 or something like that. Just set KeSt to 30%, but give the normal citizen an allowance of €24,000, who should and will provide for their own pension. That way, everyone will be relieved and money will still come in, just from the absolutely wealthy people, or you have to partially adjust other basic taxes. But my God again, please don't hit the middle class.
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@BockaufDividenden So the debate is always about the evil rich with their huge fortunes and dividends. So, as far as I'm concerned, only burden them (even if I would actually be in favor of simply relieving everyone). That's why the tax-free amount should be at least €1 million. 12k or 24k is far too little. You reach that far too quickly, especially if you hold the shares for longer. So either a very high tax-free amount or a minimum holding period of one year and then no tax. But the SPD always has to burden the middle class in the name of the unemployed.
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