Leuchtturm · 2023-01-06T20:54:32.498649Z

Dividend is fun. Over €1,300 gross dividend received in 2022. Today was the start in 2023 with dividend payments of $IRM and $PEP with a total of €53 gross. Target this year is about 1,600€ gross dividend. Good luck with your depots ✊🏻

3Ano

Sounds exhausting, then you always have to somehow gather fund or certificate losses to avoid paying taxes🤔

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Leuchtturm@Leuchtturm

3Ano

@Woddicks is not stressful - the tax-free allowance as a married couple solves the tax issue. And: I am happy to pay tax on everything that is above the tax-free amount. So what 🤷🏻‍♂️ don't complain and invest. I plan to receive a monthly dividend of €400 from 2024 - yes, I'll have to pay tax then too 🤷🏻‍♂️

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KevinE@KevinE

3Ano

@Leuchtturm I also wonder what's so bad about paying taxes. Of course it doesn't have to be more than necessary. It just quickly becomes more and more cash flow.

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Woddicks Investment@Woddicks

3Ano

@KevinC Well, you can't reinvest taxes paid, the money is simply gone... And if things don't go so well, you don't see anything from the state because you can't take the tax-free amount with you^^ But to each his own, I somehow assumed that it would be more logical to make a precision landing on the 1000€ and that everyone would handle it that way^^

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Leuchtturm@Leuchtturm

3Ano

@Woddicks Your answer makes me doubt whether you have understood what permanent passive income means. What do I want in addition to my pension with 1000/2000 per year (166 per month for married couples). Not every family invests its income in rented property. It's definitely better to save on taxes. ✊🏻 My way is a good one and the right one for me. As I'm retiring in a few years and don't want to drastically reduce my standard of living, I'm making provisions. There are many options - this path is one of many 🤷🏻‍♂️ I'm looking forward to being able to buy new shares again with the January dividends (reinvestment coupled with the compound interest effect) 😉

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Leuchtturm@Leuchtturm

3Ano

@Woddicks just because everyone is jumping off the bridge or investing in Tesla - are you doing the same?!?? You know what I mean?!? My money - my responsibility 😳🤷🏻‍♂️

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Leuchtturm@Leuchtturm

3Ano

@Woddicks when I look at your portfolio and cross-read your idea in the text, there is something wrong with it (asset accumulation). If you want an idea for optimization, leave a message. After all, this is a community ✊🏻👍🏻

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Woddicks Investment@Woddicks

3Ano

I'm sorry that you took my comment as a personal attack, I certainly didn't mean it that way, I was just wondering why you pay tax on profits instead of taking advantage of the tax deferral effect and only paying the tax at the time of payment (pension in your case)... But since you remain below the tax-free amount anyway, the issue is over for me XD

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Woddicks Investment@Woddicks

3Ano

I would still be interested to know where you found a worm, or what surprised you?

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Leuchtturm@Leuchtturm

3Ano

@Woddicks huhu - no in God's will - it's always difficult to find the right answers via text. No personal attack - not to be read like that either: offer we smoke a peace pipe 🤣

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Leonard@Osiriz

3Ano

I often get the impression in the community that people prefer not to make a return before paying taxes. I am happy to pay tax on profits and income, as it means I have relevant income. 😁 In my opinion, it is legitimate to accept the opportunity cost of paying tax on income that is immediately available. In the case of a home loan, the additional costs due to interest are also accepted in order not to build at the age of 57. 😉

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Ver todas as 8 restantes respostas

Andi@Andi_GER

3Ano

👍🏼🍿💸

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Der Boss@Bosshaft

3Ano

Kuhl

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Lorena@Lorena

3Ano

Good luck to you too!

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Simon@burlwater

3Ano

And how much loss in value of the shares?

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KevinE@KevinE

3Ano

@burlwater In my opinion, the question only arises if you are invested in companies that are not successful in the long term. I have no intention of ever selling a position again. As long as the investment case is intact, the dividend will continue to grow in the long term. So why ever sell?

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Simon@burlwater

3Ano

@KevinC I always start with the inheritance. What would come out of your estate today? A + or a - for the heirs?

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Leuchtturm@Leuchtturm

3Ano

@burlwater I have book losses of more than 15% on three dividend payers. Shit Happens 🤷🏻‍♂️ It doesn't matter if they are book losses and not realized losses. Just keep investing - and simply buy more dividend-paying stocks cheaply if necessary - that's the only way to increase my passive income 😉

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Leuchtturm@Leuchtturm

3Ano

@burlwater I have not set out to think about what I will inherit. I'm running to optimize my future pension through passive income. As I won't use up the capital, potential heirs can enjoy my stock market zeal 😉

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Leuchtturm@Leuchtturm

3Ano

@burlwater you save for years - invest and become "richer" - your heirs squander this inheritance within a week - do I get it! No!!

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Simon@burlwater

3Ano

@Leuchtturm Instead of an inheritance, you can also call it a sudden emergency that occurs and the portfolio has to be liquidated. For me, the price performance is part of the overall view.

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Leuchtturm@Leuchtturm

3Ano

@burlwater In an emergency, you have the standard call money account and insurance policies. And if it's not enough, the heirs have to liquidate the custody account. Don't see your problem ?!?

What do you do in an emergency and the prices are in the basement? Postpone the emergency ?!?

Therefore, always save a sufficient nest egg, always invest the money so that it is available at short notice. Provide your account with a sufficient credit line, because in some emergencies you have to pre-finance large sums 🤷🏻‍♂️

Accordingly: I have everything set up for an emergency ✊🏻👍🏻

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Simon@burlwater

3Ano

@Leuchtturm plans can change. Do you know Homo Oeconomicus? Last year he was a fan of shares, this year he wants to use them to buy a property. I'm sticking with it. 1300€ dividend but 13,000 share loss (notional) is a loss. Nevertheless, I understand your attitude.

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Leuchtturm@Leuchtturm

3Ano

@burlwater Losses only occur when a sale is realized - book losses are and remain book losses. Through targeted additional buying you achieve an improved entry price and your book losses change for the better.

That's why my investments are not intended to be used to buy real estate. I have already said that they go into dividends for retirement.

There is always risk with any investment. Yes, dividends can be reduced or canceled. I am aware of that.

For myself, I've been doing quite well for years 😉

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Simon@burlwater

3Ano

@Leuchtturm keep your fingers crossed

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Leuchtturm@Leuchtturm

3Ano

@Defqon1Fanatics yes, since VW has Porsche on the stock exchange, VW has become even more attractive as a dividend payer 🤣

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