TAXES on STOCKS in GERMANY: Investing in US Stocks vs German Stocks in Germany? 🇩🇪
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- เผยแพร่เมื่อ 23 ก.ค. 2024
- 🇩🇪Our detailed article on Taxes on Stocks in Germany: financegermany.com/taxes-on-s...
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Great video! The best and clearest I found about German gains taxes! Thanks a lot!
what a wonderful explanation man! Engineers are always clever and smart :D .Thank you
I really appreciate you making this very informative video, thanks !!
Thanks for your videos. Really helpful.
Such an informative video 👍 and edit game is on point
Had to reupload. The software is having too much fun with me.
hello from croat living in wangen. love your videos man. keep them coming. liked and subed.
What a brilliant explanation. Thank you so much!
Greetings from Bremen =)
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This video has given me much clearer picture now how much really would be my net income after investing and getting dividends.
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Hello, I'm new to forex trade And have been making huge losses but I recently see a lot of people earning from it. Can someone please tell me what I'm doing wrong
Thank you very much for this review
thank you for the video.
well explained
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Hi Bharat, thanks for the info.
Could you please make a video in which you talk how to decide which companies you invest in? Do you read reports or news or what? I am new into this and want to understand better the ecosystem
Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong
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Good video bro, very good service you can have access from germany , we still have nothing in france
Really? No stock broker app?
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Very good video my friend. Can you make also one when you buy and sell stocks how much is the tax?
Vielen Dank!!
Thank you, very informative video.
Is this rule also apply to ETF? ETF investing in the US Stocks and ETF investing in German stocks have similar tax rules or different?
Thanks a lot for your nice video. Please make a video about the new tax law in Germany applying in Jan 2021 which literally says the maximum amount of allowable loss is 10000 Euro. It's a stupid law which kills trading (at least day trading!). I could not find any good resources about it in english. So a video from yourside would be wonderful. Also discuss about day trading in Germany. You are doing wonderful job. Keep going :)
I absolutely hate that too Reza! Seems like everybody is catching up on the socialist train. I will talk about it in some upcoming video.
Bro in Germany intraday trading should pay tax and how tax for that
Hey, Bharat! Great explanation, thank you!
One question though - are all this calculations valid also for buy-sell difference?
For example, I bough some accumulative ETF (no dividends) for 10'000 eur and in a year I sold it for 11'000 and got 1000 gain. Will this 801 eur tax exception works for this gain as well?
Wait I have a question I am currently using trade republic. I have been using it for like 8 months now. So want to clarify things about the tax. Do I need to personally hand out the tax forms to the Tax Amt or does the app automatically pay that tax and I don’t have to do anything about it. Another thing I would like to know I am a student and sometimes might be living outside of Germany what does that do to my trade republic account?
Hi, great video!
Do you have any suggestions to do stock option trading platform in Germany?
Very helpful video 👍🏼 but what about currency market? Is the tax the same?
Thanks a lot for the informative video.
I hold mutual funds in India, and reinvest the dividend earned.
As per my understanding i have to pay 15 % of tax in Germany (10% in India) if I sell those mutual-funds under long-term capital gains.
Do i have to pay Vorabpaushale tax in Germany for the mutual funds that I hold in India?
Hi Bharat, thank you for your video, very informative. One question: I am soon to transfer to Germany, and I was wondering which of the listed brokers (or in case others) give the option to trade US weekly options on stocks! At the moment I am aware only of IBKR and Tastyworks, but these won't take care of the tax filling of course. Thanks!
Hi, how do you offset your capital gains? should i sell my negative stocks?
thank you for the video, but I made a mistake and start trading in 2020 with 212 tradings can you help please and explain how to do the tax, and for sure ill move to a german broker.
here you answered my question. thanks
Is it still valid in 2023?
How did you learn all that?
Very well researched
Best video!!!
There were changes to the Solidaritätszuschlag taxation regulations in 2021. Could you please confirm that the changes have no impact on dividend/interest gains? Thank you and I am subbing!
Great content and I thank you for breaking it down!! Even in the current crypto dip, I'm happy I can smile back at my portfolio of $19,000 made from my weekly trade within a short period
Hey bro please teach me? Or atleast giveme some tips where i can learn from?
How do i start for beginners?
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Still making losses despite watching several TH-cam tutorial video.please pals i need some trading guide
So, are you investing in EFT in German stocks or in the US Stocks? Would you further explain please? Thanks for the video.
I have a small confusion, the formula for USA in 11:21 wont the whole 1000 euros be taxable by 15% not just the 801 euros right?
finally right on point, subscribed. Can you make a video of undervalued stocks? I dont wanna buy amazon nvidia etc. just wanna buy the cheap ones
What about I don't take dividend but use it to reinvest in stock? As long as it is well below 801 Euros.
With this, for a student like me, we can still use eroto or trading 212 to trade inside Germany?
Can you describe how to transfer your portfolio between brokers?
Can u do a video on whats the difference between buying the U.S stocks with euros and in a german Börse vs buying directly in an American exchange
Camila the difference is basically the FX impact. When you buy a stock in $USS or GBP, the currencies fluctuation can have some impacts on your gains, usually, it's a small thing, but in periods of crises it can be very noticeable.
Bharat how do we claim these taxes at the wnd of the year? Does german broker themselves send everything to finansamt or we actively have to perform any steps?
What about ibkr broker and what about the tax for students.. tax class change will change or i have to tell in tax department. Or automatically tax will deduct by app?
Do you have any advice on someone using Pocket option and based in Germany.
Hi Bharat, would the capital gain on ETFs like S&P 500 or core MSCI World from Ishares also be taxed in the US first with the 15% then in Germany for the remaining amount? I have no idea on how the ETF company (eg iShares) and its location (Ireland) impact our taxes.
Moreover, i guess I don’t have to bother at all as long as I earn less than 801€ on dividend payed out to my account, right?
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I am moving to Germany and I have investments in USA and Brazil.
When I get there, do I have to transfer my investments to a German broker?
Each dividend that I got from those stocked, do I have to pay taxes to Germany? Anyone know about this?
Interesting mate, cool to here about other countries taxes etc! Do you invest into alot of german stocks aswell? Whats your favourite one???
I am not investing in German stocks because they will get expensive after a while. American stocks are taxed lesser and I am continuing investing with them.
Ahh okay, thats fair enough then!
Is it a good. İdea to realise gains in the end of the year, just selling and buying the ftse all world ETF for example?
Thank you! Would you provide also that tax diagram? Up for donating money for that hard work ✌️
Hey Bharat, would be possible to make a video in how open a broker account to our kids? Here in Germany I cant find anything like that. Thanks.
Are we able to apply in ipo of Germany ? And how can we apply plz make the video on it
I just came across you channel and I am thankful to you for all this information in English.
Having said that, I have an investment account on Etoro which is a non-german broker and I am now worried about taxation and all. I am not liable to pay taxes as of now but in future I would have to for sure. Do you have a video on that? If not, are you planning to create one ?
Thank you again!
But in your chart you mentioned only dividend. Do you want to mean real profit ( dividend+ profit from selling out shares) or only for dividend this formula will be executed.
Do you pay taxes if you reinvest dividends or sold stocks ?
Is there a time after holding stock that you pay less taxes?
What if we invest the dividends back to the same or a different company?
Can we get a view only link to your miro board ?
So when I live in germany I should use a german aktien app like TradeRepublic and not Robinhood for exmaple in the US ? is that correct ? or does it not make really a diffrece ? I kinda understood what you meant but in the end you said then it would be good to start with US stocks sooner so I thought maybe go with Robinhood that us app insteda of TradeRepublic or am I missing something ? btw Thank you for your videos also du kannst auch auf deutsch antworten !
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Hello. Just subbed. I have some questions . 1.Do gains and losses cancel each other and you basically have to pay taxes on your total profit - 801 euros at the end of the year?
2. Do you think it will be a pain in the ass to do it if I use t212 and not a German broker? Ty
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If the dividends earned from US stocks bought via Degiro are lower than 1000 euros (2024), do we need to declare them in the Steuererklärung? The US 15% withhold tax were automatically charged by Degiro.
What If I compound my investment(reinvesting the dividend) , do I pay tax on it still since it is still in the market
im from spain, living in germany and i want to invest into the US stock market
what do i need to do? im sacared of the police knocking on my door because of a tax or something that i wasent aware of paying
Great video thank you. I recently received my first dividend from Apple and deducted US-quellensteuer is 30% not %15, do you know why its so high? I am using Scalable Capital and this is my first income.
Hi Bharat,
Very good video. I recently received dividends from Apple but they were taxed at 30 percent and not 15 percent as mentioned. I am on Scalable Capital, Indian resident in Germany and within the 801 euro limit. Are Indian and German citizens (you) taxed different? Thank you.
I have the exact same deduction %30 on Apple dividend and I am wondering why, were you able to find out the reason?
I wonder if you have any similar information in English about Austria...and how i would make sure i am doing things properly in accordance to the tax laws and all of that.
Any recommendations of Austria brokers or even Austria etoro TH-cam channels that are doing this type of stuff in english preferably...
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Hello Bharat, Thank you for sharing this video. I have one question. I currently work as an IT professional in Germany. Do I need a new tax number or change an existing tax number when I start investing in stocks? Thanks
Same question, thanks for asking.
You use the same tax ID for any income you make in Germany.
Ok so and how easy it is to use this app?
Thnak you!
I wished that you included How Reits dividends are taxed in Germany because if it's taxed as person's steuer Klasse that would be for some people with low income less than 15% as the tax on capital for normal stocks and for people on steuer Klasse 3 that would be very good to pay less tax on those dividend.
Hi, appreciate your hard work, i know you have it with german broker, can you please do a video on non german broker and how the taxes effect in cases like withholding tax for accumulated and distributed equity when sold and not sold scenario.
Hey Preethi!
I think that will be a super long video but if you'd like to read right away, you can do that here: www.justetf.com/de/news/etf/etf-und-steuern-das-neue-investmentsteuergesetz-ab-2018.html
You're awesome man, I was looking for this. By the way, what about the case of investing in UK stocks in Germany? Again, thanks and keep up the great work!
P/s: so I come back here after a quick research, it seems the withholding tax on dividends and capital gains in the UK equals 0 meaning one doesn't have to pay for benefiting from UK stocks. Anyone can confirm this would be nice, too :)
Why is an issue opening up Trade Republlic account if you are not German? Thanks for the video. Great work.
If I m married with 3 kids. 5 members family what untaxable limit do I have in Germany for dividends? 1602 or 4005?
Hi Bharat,
First of all, thank you for this helpful explanation. However, I have a question about long term investment in individual stocks and/or ETFs. how do they get taxed?
For example:
If I invest for 10 years, then sell them and make a profit of €50 k. Are they taxed when I sell them?
How much are the taxes in this case?
Thanks again and I look forward to your answer.
Sebastian
One question: Do you mean we have an allowance of 801 euro for Dividends income alone ? or the 801 euro is including profits from Stocks ? Can you also please ads links in the descriptions so we can see in details those porcentages . thanks
I don't think it's easy to have a dividend income which exceeds 15k !
I have already invested using etoro platform. Can you also make a video about taxation with etoro
Is there any "Tax Return" when you receive move than 800 euros per year, or not at all? Because I've been buying/selling shares, but it is ofc, small amount, and I am wondering if I am going to receive it "back" or not at all.
Amazing vídeo!
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Hey Bharath, thanks for the video. I have a question regarding how the tax is calculated. For ex:
Initial investment 10000
If I made profits of 4000 from selling some stocks. And I lose 2000 from other stocks. In total I have made profit of 2000. So do I have to pay taxes for the 4000 profits I made earlier or it will be counted at the end and I pay for 2000 only? Any inputs would be greatly helpful :)
yes you can. you will need to request a so called "Verlustbescheinigung" from Finanzamt and there you can enter your losses, which will be setteled with your gains. This document comes as an addition to the Tax return you would submit for the yes. You need to also know, that each 15th of December is the last day you can request this document. That being said, if you incurred losses this year, you have time to request this document until 15.12.2023. The losses can be also used to clear future gains..
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15% is applied to all counties where Germany has Quellensteuerabkommen, not only with US. But Germany counts only 15%. US take 15% tax on dividends so it's ok. But. i.e. Switzerland takes 35% tax on dividends but Germany still counts only 15% so 35-15=20% are "lost" until you require it back form Switzerland. And then Germany takes another 25-15=10% tax on dividends.
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Hi. Thanks for the detailed explanation, really appreciate it. Especially solving the equation part!:P Could you may be throw some light on tax deductions that one can apply for in case of loss incurred trading US stocks. Like can someone be not taxed for the current gains, if he/she has had a loss previously. Would be of great help. Thanks in advance. Keep the videos rolling. Love your work!!
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When I haved opened my Trading 212 account I have to give my german tax id too...
To save the taxes on the profit up to 801, Is it a wise Idea to sale all the Shares & book all the profit during end of the Year and then repurchase them beginning next year ?
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I have some losses on my day trading account in 2018. How can I set them off against my capital gains/dividends going forward?
Losses can only be carried back one year.
Hi Bharat, Can you do a video on how RSU's are taxed ?
What do you think about onvista online broker?
I have a portfolio on Trading 212 and it smashes any german broker by far in terms of features, available stocks and it's 100% free. The account is also protected by FCSC. That being said, the tax work is scaring me out, since I might have to declare a lot of things manually next year, but it's really hard to move from such great platform to something like TradeRepublic (also have an account) or Scalable, that have fees and hidden costs.
Greats videos btw 👍🏻
I’m not really sold out for Trading 212 because of it also being registered in Bulgaria which has a lot weaker regulations. It’s definitely a model which all German brokers should strive for, but for safety and tax reasons, I’m still more inclined towards a German broker.
@@Brandevise for now, all Trading212 accounts are covered by FCSC in the UK, up to 85.000£, deposits on a UK bank, shares holdings are done by IB, that has nothing to do with Bulgarian laws, so in general, it should not be a problem 😉
@@Brandevise maybe you could do one video about the taxation with these external Brokers such as Trading212 or eToro as I see many people use it. I’d be very interested. :)
I think ETORO is even better .... I'm doing day / swing trading and I don't really get the 1$ / trade :(
LMAO, I hope you are still doing fine in these 3 years. In Germany, I used flatex all the time, yes, it is expensive, but it keeps all tax related stuff in the place, not to mention, it has good regulation due to the tie with banks. Anything free can be the most expensive.
Bro tell me about intraday trading tax in Germany
What about American brokers..... I am European and have a TD Ameritrade broker. Actually thinking to move to Germany soon.
Great video!
I invest in US with an American broker. Should I transfer it all to a Germany broker?
Is it possible to invest in ETFs like SLYV or ISCF from a German broker?
Similar question. Living in Germany now but was in USA so I have a brokerage- shipping cash to the USA just seems so inefficient- but can’t find etfs like SCHD here :(
Can I do daily trading (Forex, ....) as an student in germany? how much taxes should I pay for my income? what about the 20hours/week limit of working in germany? Im so stupid sorry :D
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Which app are u using
Nice video. This explains tax liabilities when looking at US and German stocks separately. But what if one had a combination of these stocks?
When is the taxation calculated? As in you receive the dividends or at the end of the year?
Because if I received 800 euros of dividends from US Stocks in February and 800 euros of dividends from german stocks in November.
If tax was calculated at the time of receiving dividends, I would have made 1269 euros.
But if tax were calculated in end of year and german stocks were considered to fill up my 800 euros first, I would have made 1395 euros.
That's a difference of 126 euros for someone who's just starting off.
Tax is always calculated at the time of receiving the dividends. Whatever you receive first.
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He is more or less right about the numbers, but he did not take the currency exchange fee into account, plus some of German dividend can be further slashed because of the reunion tax. Talking about brokers, trust me, if you are serious about your investment, not day trading, your choice is just between interactive broker and Flatex.
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You're welcome
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I'm very eager to start trading: I'm almost 45 and I don't have too much time to make enough money for my retirement. What happens if I change online brokers? Do I lose my stocks? Can I move all my investments safely from one broker to another one? Thanks for the answer! Greetings from Cologne!
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Hi Bharat.Which is best investing in US stocks from German dp or Indian Dp? Please Clarify
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As the broker does the calculations, so what is the point of this calculation in the first place?!
Hi Baharat, Thank you so much great video that explains a lot
I only have one question: if in one year I made for example 1000 euro in one stock and lost 900 euro in another stock so the total profit is 100 euro.
My question is how much tax should I pay? is the tax consider the total earning per year or only the profit by stock?
Thank you very much in advance :) :) you really gave a golden info
I think you pay tax only on profit but i am also not sure about that.
Do we pay tax on losses too or not?
Ex. Bought stock for 2200e sold it at 1500e so i lost 700e do i pay any tax on these money???
@@asanov6399 if you lose the money you don't have to pay Tax just if you make a profit on it
But The question is: you Have to pay tax in your profit per year with gain and losses, or just in each profit, you pay.
Because for example if you make a 10k a week and then re invest it in that year and you lose all of it. The question is should I pay tax for the 10k that I made or if I calculate the total year and I find 0euro so I don't have to pay tax?
@@mohamedbousselmi1951 yes you will pay tax on 10k becuase you took them out of your account you gained profit it does not matter if you lose them in the next days.
Hi from France, I just subscribed to your channel ! Is it true that if you hold cryptocurrencies for more than a year in Germany you don't have to pay any tax please ? Even if you're "billionaire" when you cash out ?
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