Non trovato

Mark M. · 2024-12-07T00:34:30.510542Z

Hallo zusammen. Hab vor knapp zwei Jahren einige $BAYN Aktien geerbt. Natürlich ärgerlich, dass der Kurs so stark gesunken ist. Bevor sie bei mir in Depot waren waren schon fast 50% Kursverlust. Aktuell knapp 60%. Die Frage ist nur: es sind alte Aktien von vor 200X sprich steuerfrei, auch auf die Dividende. Umgekehrt kann ich soweit ich weiß auch keine Verluste steuerlich geltend machen bei Verkauf - es ist nicht mal der Einstandskurs bekannt. Macht es da Sinn die zu halten wegen der steuerfreien Dividende und zu hoffen, dass der Kurs zusätzlich steigt?

Mark M.

@Imhothep

1Mes·

Hello everyone. Almost two years ago I bought some

$BAYN (-2,98%) shares almost two years ago. Of course it's annoying that the price has fallen so much. Before they were in my portfolio, the price had already fallen by almost 50%. Currently just under 60%.

The only question is: they are old shares from before 200X, i.e. tax-free, including on the dividend. Conversely, as far as I know, I can't claim any tax losses when I sell them - I don't even know the purchase price.

Does it make sense to hold them because of the tax-free dividend and hope that the share price will also rise?

19 Commenti

Rudolph@1999-topeuro

1Mes

Until 2009 (31.12.?), only capital gains were tax-free; capital losses until then are no longer offset against current gains! Dividends are always subject to capital gains tax of 25% + solidarity surcharge + corporation tax if applicable - even on shares acquired before 2009! Exceptions within the FSA and/or non-assessment certificate from the tax office! I wish you all a peaceful pre-Christmas period and a happy 2nd Advent!

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Benjamin@bebo7

1Mes

@1999-topeuro not quite correct as far as I know: if the dividend is paid in full from the tax deposit account, the dividend is not subject to taxation for domestic shareholders (e.g. Telekom, Deutsche Post)

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Rudolph@1999-topeuro

1Mes

Thanks for the addition, that's basically true! But you shouldn't rely on it: at Swiss Post it was paid until 2022 (in my opinion at least partially) for 2023 in 2024, but it was not a "deposit distribution" and therefore fully taxable with capital gains tax! For Telekom, this has been the case so far and should (but not certainly) remain so for a few more years!
However, taxation will then take place when the Telekom shares are sold, as the possible price gain is added to the price gain by the dividends received in the years of ownership of the Telekom share! However, offsetting losses with other shares is thus made possible. Hopefully this will not be changed: I particularly appreciate this factor in the Telekom share (in addition to the super dividend)!

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Nostradonkey💩@DonkeyInvestor

1Mes

Take a look here #fehlkauf

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M9D7@M9D7

1Mes

Depends on how many shares we are talking about...

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Nostradonkey💩@DonkeyInvestor

1Mes

@M9D7 No, it doesn't. It just depends on how much return you expect from Bayer and how much from an alternative asset

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M9D7@M9D7

1Mes

@DonkeyInvestor does it make no difference to you whether you have 5k or 200k in there?

With 5k no cock crows but with 200k it would be stupid not to redeploy a part of it

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Nostradonkey💩@DonkeyInvestor

1Mes

@M9D7 of course it makes no difference at all.

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M9D7@M9D7

1Mes

@DonkeyInvestor weil?

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Nostradonkey💩@DonkeyInvestor

1Mes

@M9D7 I don't even know how to answer the question. Why should it make a difference? If the investment no longer fits, then it doesn't matter whether it's worth 50 or 500k. Nobody should give anything away.

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M9D7@M9D7

1Mes

@DonkeyInvestor quite simply
OP seems to have neither a high risk appetite nor much knowledge. If there is 200k in it, it would simply be pointless. At 5k it doesn't matter.

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Mark M.@Imhothep

1Mes

@M9D7 Currently just under 16k.

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Nostradonkey💩@DonkeyInvestor

1Mes

@M9D7 Why doesn't it itch and why would anyone have even 50 euros lying around somewhere where it makes no sense?

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M9D7@M9D7

1Mes

@DonkeyInvestor read again

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Nostradonkey💩@DonkeyInvestor

1Mes

@M9D7 you let again

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Daniel@xXnadXx

1Mes

Are you sure that the dividend is tax-free?

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Mark M.@Imhothep

1Mes

@xXnadXx at least what I found out on the Internet. If the share is from before 2009, there are no taxes.

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Daniel@xXnadXx

1Mes

@Imhothep only on the profits from the sale. You still pay tax on the dividend if you are above the tax-free amount.

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Divids@Divids

1Mes

@xXnadXx That is correct. Once the tax-free amount has been used up, tax is also payable on shares purchased before 2010. That's the case for me. With a long horizon and if I don't need the money, I would leave the Bayer lying around

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