2Settimana
I'm curious to see how that goes.
And why do you all need cash flow all the time? 🤑
And why do you all need cash flow all the time? 🤑
•
44
•
2Settimana
@Madhatter5566 I ask myself the same question. And why sacrifice performance and even pay taxes? Mysterious. It could be so simple: reduce your savings rate 😳
•
11
•
2Settimana
@Madhatter5566 @randomdude Savings rate is currently close to zero. I need the cash flow to live on. Yes, that really exists :D
•
77
•2Settimana
@MoneyGame Then you're one of the first to use the word cash flow correctly, so you're in Deinvest. Great. Then I don't want to have said anything.
Most people mean cash flow, but reinvest everything that comes in at the same time (which is then net zero cash flow)
Most people mean cash flow, but reinvest everything that comes in at the same time (which is then net zero cash flow)
•
22
•2Settimana
@MoneyGame Then partial sales are an option.
•
11
•2Settimana
@randomdude Yes, but in pure Deinvest you can go for dividends if you like it. The critical thing will be where the money came from. Because if an accumulating position was sold first and taxes were incurred and now taxes are being paid on the dividend again, it was a mess.
•
33
•
I'm about to try it out with a small amount for the time being. I find it exciting. As we will soon receive a larger sum from the sale of an apartment and my husband wants a secure investment, that would be an option. And then I can use the cash flow to further reduce my working hours.
•
11
•2Settimana
@profit_potential_1336 If the money goes directly into a dividend position, this is probably not a problem. It is more of a problem if taxes are incurred to liquidate an accumulating position and then go into a dividend position, where taxes are incurred again on the dividend. Then you could have simply sold piece by piece.
If you buy a dividend position purely out of the amount that appears and then partially reinvest it, I don't see a problem. Even if something is paid back in and saved, that's not a bad thing in itself, as long as you're under no illusions that this will give you any advantage.
If you buy a dividend position purely out of the amount that appears and then partially reinvest it, I don't see a problem. Even if something is paid back in and saved, that's not a bad thing in itself, as long as you're under no illusions that this will give you any advantage.
•
22
•2Settimana
@profit_potential_1336 I would be careful with "safe investment". These are not really "dividends" in the classic sense. The ETF earns the money with options transactions. Personally, I think it's good because it's a hedge against a sharp fall in prices and I'm already heavily invested in growth stocks and NAS100. So it's a nice diversification. As the "largest position" in the portfolio, I would be skeptical as to whether it makes sense.
•
11
•2Settimana
@MoneyGame Dividends from ETFs are never real "dividends". Even if the ETF only holds stocks that pay dividends. The money from the dividend flows to the ETF, but it does not pass it on 100%. This is due to taxes and, in some cases, reinvestment.
Options transactions as a hedge initially mean a certain degree of security. The position will still fall in the event of a crash and will not realize its full potential when it grows. But I see this as even safer than putting everything I know into Reits. After all, the aforementioned one tracks the NASDAQ.
Options transactions as a hedge initially mean a certain degree of security. The position will still fall in the event of a crash and will not realize its full potential when it grows. But I see this as even safer than putting everything I know into Reits. After all, the aforementioned one tracks the NASDAQ.
•
22
•@MoneyGame ok. Thank you. Do you have any ideas on how I can diversify it well? So far I have rather accumulating stocks in my portfolio and also cryptos. But since we are leaving the job in 3 years, I would like to see where I can get good dividends for our income. Thank you in advance 🙏
••