1Semana
I’d generally base it on whether your partner is even interested in investing. If so, I’d always recommend having two separate investment accounts, since that way there won’t be any arguments about who buys what. Plus, you can have a little friendly competition to see whose account performs better.
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2020
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1Semana
@Multibagger Yeah, those Broky partners who don't want to make any money. We all know them 😁🤣
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1Semana
@Multibagger In the event of a divorce, a joint brokerage account into which both spouses contribute would be the better (more transparent) choice. This joint brokerage account is then simply divided exactly 50:50 (without a prenuptial agreement), regardless of who contributed how much.
You should not make any further deposits into your individual account—which you bring into the marriage—during the marriage, as this would lead to the commingling of your separate property and marital gains. Thus, the individual account and all organic gains (increases in value) remain the property of the individual, even in the event of a divorce.
You should not make any further deposits into your individual account—which you bring into the marriage—during the marriage, as this would lead to the commingling of your separate property and marital gains. Thus, the individual account and all organic gains (increases in value) remain the property of the individual, even in the event of a divorce.
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@Xander13 Oh yeah, there's also divorce. After almost 30 years of marriage, that seems pretty far off to me...😂 But you can always have your respective investment accounts separated by contract.
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1Semana
Aren't there any taxes due when closing a joint account during a divorce? If so, two separate accounts with the same contributions are the better choice.
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•1Semana
@Xander13 Maybe I misunderstood you, but the gains from the individual investment account are also split 50/50 in a divorce.
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•@Eggplant Yes, what you said is correct for Germany.
In Austria and Switzerland, the gains on an individual investment account brought into the marriage are not divided in the event of a divorce :)
In Austria and Switzerland, the gains on an individual investment account brought into the marriage are not divided in the event of a divorce :)
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@Xander13 Okay, I can't speak to Austria. But Germany and Switzerland tax the gains/acquisitions made during the marriage, which also include increases in the value of stocks or real estate that were brought into the marriage prior to the wedding, starting from the date of the marriage.
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@Eggplant That’s not true for Switzerland.
Quote from
https://www.vermoegenszentrum.ch/wissen/nachlassvermoegen-bei-ehepaaren
“A spouse’s separate property includes:
- everything they bring into the marriage
- everything they inherit or receive as a gift during the marriage
- any increase in the value of their separate property (for example, capital gains on stocks and bonds or an increase in the value of real estate)
- items for personal use (clothing, jewelry, etc.)
- compensation claims from accident or liability insurance”
Quote from
https://www.vermoegenszentrum.ch/wissen/nachlassvermoegen-bei-ehepaaren
“A spouse’s separate property includes:
- everything they bring into the marriage
- everything they inherit or receive as a gift during the marriage
- any increase in the value of their separate property (for example, capital gains on stocks and bonds or an increase in the value of real estate)
- items for personal use (clothing, jewelry, etc.)
- compensation claims from accident or liability insurance”
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Only current income from a stock portfolio counts toward the marital property
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@Xander13 That's interesting; this page says something different: https://einfache-scheidung.ch/ihr-wertschriftendepot-bei-der-scheidung-so-funktioniert-die-gerechte-verteilung
The page I cited would also make sense in this regard, since pension funds handle it exactly the same way in the event of a divorce.
The difficulty in the case you mentioned is that tax-deferred ETFs are treated the same as distributing ETFs for tax purposes, since dividends accrue internally and this would constitute a capital gain (in my opinion). Admittedly, one is tax law and the other is divorce law.
For the sake of completeness: Stocks are treated differently under tax law.
Ideally, one would never have to deal with divorce law.
The page I cited would also make sense in this regard, since pension funds handle it exactly the same way in the event of a divorce.
The difficulty in the case you mentioned is that tax-deferred ETFs are treated the same as distributing ETFs for tax purposes, since dividends accrue internally and this would constitute a capital gain (in my opinion). Admittedly, one is tax law and the other is divorce law.
For the sake of completeness: Stocks are treated differently under tax law.
Ideally, one would never have to deal with divorce law.
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