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A comment on The Origins of the Wirecard Scandal. Parent comment

Re:The Origins of the Wirecard Scandal by allendoerfer on Tuesday April 27, 2021 @07:36AM (#26954568)
> 2) if you invest in ETFs that invest primarily in stocks first 30% of capital gains are tax free

Citation needed.

I would argue the point is actuallly the opposite: Capital gains taxes are actually lower than income taxes on your salary. Properties do have an unfair advantage, though, because they can be sold tax free after 10 years.

We do need something like a 401k. But if you read the election manifestos of different parties for September, they are indeed in there.

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Re:The Origins of the Wirecard Scandal by ivanche on Wednesday April 28, 2021 @05:00AM (#26967259)
> Citation needed

Here are 2 links that explain in detail [0] [1]. I'm sorry I misinformed you about Steuerbescheinigung - it's not visible there, but it is when you do Steuererklärung with smartsteuer.de.

[0] https://www.lohnsteuer-kompakt.de/fag/2020/2895/was_ist_die_...

[1] https://www.fondsclever.de/ratgeber/lexikon-investmentfonds/...

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Re:The Origins of the Wirecard Scandal by allendoerfer on Wednesday April 28, 2021 @05:22AM (#26967414)
Interesting, I was only aware about "Vorabpauschale". I read that this one ("Teilfreistellung") evens out, because in turn taxes for fonds increased.
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Re:The Origins of the Wirecard Scandal by ivanche on Tuesday April 27, 2021 @10:58AM (#26956798)
> Citation needed.

I will try to provide a screenshot from Steuerbescheinigung that Scalable Capital sent me a few days ago.

Also, if something like 401K (with matching, hehe) is really implemented one day in Germany, it will be a big step ahead. Right now people are constantly robbed with various corporate pension plans that just pour money into Allianz and other insurance companies for "only" 2% TER.

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