7Mês·

Multiple ETFs on the same index are always questioned here, but can make sense under certain conditions and financial planning.

The 3 times 10 rule is explained in the article (link below)

If we take this as an example, why not always invest an ETF not for 10 years but for a certain € amount (based on the purchase prices). So why not look for a new one every 10, 20 or 30 thousand euros?

Wouldn't that also make sense?

Well, when you retire it looks wild in the portfolio, but does this actually correspond exactly to this tactic?

What do you think? I do it exactly the same way with one share, for example: set a € limit and then build up the next positions.

Constructive or bullshit?

https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/

$HMWO (+0,66%)
$SC0J (+0,65%)
$XDWL (+0,72%)
#msci

www.finanztip.deDie Finanztip 3x10-Strategie: So zahlst Du weniger Steuern auf Deinen ETF

28 Comentários

Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor What do you mean? You have also included another world ETF, albeit for other reasons as you said

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend I haven't read the strategy. But I also save up to a certain amount (which is well over 30k though). Ultimately, the question here is rather, what does it cost (5 minutes time) and does it have any disadvantages (no)? So just go for it. Everything doesn't always have to look spick and span. It's your depot. If necessary, just set it to private 😘

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor We are not in a beauty contest, my dear donkey.

You might be interested in the tax aspects of the distribution in the report😅

Thank you for your feedback

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend Put them together for me!

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend skimmed through it myself. This is one of the reasons why I switch ETFs. I could theoretically achieve the same effect with a custody account transfer and similar methods. But it is much more time-consuming.

So you could have figured it out much earlier if you had just read my post

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor Blah blah blah. I was referring to your post 😅 so you can see that I read it. But you were referring more to different providers (I think) because you didn't want to have everything with one provider. Would you have listed the tax aspects as well? I can't remember that fact

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend Yes, I had. Drank it all away 😁

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor please link it here. Then there will be a coherent picture 😅

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend uff, I've been posting so much garbage lately. I really have to scroll a long way

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor better you than me 😅

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend 🖕

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CashBurner 🔥@DonkeyInvestor

7Mês

At the request of @GoDividend, here's another post from me with a similar topic (from six months ago, so the good guy could have already known everything 😁).

https://app.getquin.com/de/activity/UQQkisNzUA

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor wouldn t have wouldnt have bycicle chain

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CashBurner 🔥@DonkeyInvestor

7Mês

@GoDividend what do you mean?

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Dividende > Zinsen@GoDividend

7Mês

@DonkeyInvestor would have had a bicycle chain but my english is not the yellow from the egg.

Thank you

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six@six

7Mês

If I do this later, then at most through partial custody account transfers

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CashBurner 🔥@DonkeyInvestor

7Mês

@six and you can do that? It already fails with the credit card 😁😘

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six@six

7Mês

@DonkeyInvestor I am now a portfolio transfer master. Made almost as often as I bought/sold my individual shares 😂

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CashBurner 🔥@DonkeyInvestor

7Mês

@six Do you want to be my bank advisor?

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six@six

7Mês

@DonkeyInvestor I could recommend the Barclays Visa. There's also a €20 bonus 🙃

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CashBurner 🔥@DonkeyInvestor

7Mês

@six I already have 😃

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AL@AL_85

7Mês

M. In my opinion, there are no rational reasons against the strategy. Provided there are sufficient ETF alternatives with virtually the same performance. The tax advantages in the deconsolidation phase are obvious.

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CashBurner 🔥@DonkeyInvestor

7Mês

@AL_85 I can think of another tip where success is also obvious: Use toilet paper on both sides 👍

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Larry L.@Testolobster

7Mês

Reads well, but what is it like to save in a distributing etf 🤔

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Alpalaka@Alpalaka

7Mês

Stupid question: the history is not transferred when the custody account is changed (is it?)

Example:
2020 Purchase 1: 1 share for €100
2021 Purchase 2: 1 unit for €150
2022 Purchase 3: 1 unit for €250
Buy In: 166,67€
If I sell the first unit now, I pay taxes based on the €100 purchase price (it's clear, FiFo)

If I now make a portfolio transfer, I have bought 3x at € 166.67 each. If I sell the first share, I pay tax on the €166.67.

Is that right?

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Dividende > Zinsen@GoDividend

7Mês

@Alpalaka no experience but sounds plausible

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Alpalaka@Alpalaka

7Mês

@GoDividend unfortunately not.
Answer from ING:

We are happy to help.

In the case of a transfer within Germany, the relevant acquisition data for tax purposes is usually transferred as well. This is usually done electronically. The transferring bank is always responsible for this.

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Dividende > Zinsen@GoDividend

7Mês

@Alpalaka great. Also right 🤣

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