So what i understand is, suppose if i invest 100€ today in that etf, the way to profit is that when the stock price increases (than todays rate) and i sell the stocks.. is my understanding correct? Are there any other ways to profit after this investing ? Like is there any interest rate yearly?
You are mostly correct yes. However the ETF price can also go down resulting in losses. But like you said you only realize a profit or a loss when you sell the investment. You can look into dividend paying ETFs which pay out a dividend on a regular basis.
@@ahsanfinance thank you for your response. so the perfect time for investment is when we notice the stock price to be low? Because I can see that at present almost all stock prices are highest. So its not wise to invest now?
It is very difficult to find the exact buying time. That is why I use the Dollar Cost Averaging method, where I buy consistently. This way I buy when the market is high as well as when it is low and I don't miss out on the returns in the long term
Glad you liked the video. There are Index Funds as well as Stocks which pay a dividend. That said not every stock or Index Fund pay dividends. This video expands more on the topic: th-cam.com/video/x1sKxTg8lJ0/w-d-xo.html
I woke up today and this came to my mind. I feel like sharing it right here real quick, and I'm going to try as much as possible to post this everywhere else I can, so everyone gets to see it. The year is fast running out again, and I believe prior to the year, many of us had different plans and goals for the year, one of them probably being a financial breakthrough. Well, I pray, by the grace of the almighty, that we all reach our financial goals this year. The year 2023 was really a life-changing year for me financially.
hi Ahsan, interesting video, thank you. Should I still start investing in ETF if I want to leave Germany in a few years? Is there a way to take the ETF investment when I leave Germany?
@@ahsanfinance Hi Ahsan, thanks for replying. My plan is to pursue a nomadic lifestyle, living 2-3 years in different countries in the Asia Pacific. I believe many people have the same intent as I do.
ETF investing could be a great option for you. Just remember to pick a Broker which is available in the countries you intend to live in, the only one I can think of is Interactive Brokers.
Hi. I am planning to use Trade Republic. And yes you are right i have that doubt if should i do this or not. I just want to earn extra. Like a savings for my Kids. I need to watch more videos. Thanks a lot. New sub here
Glad you liked the video. I use both the apps, and I like both of them Equally. The only difference is that Scalable Capital accepts users from more countries compared to Trade Republic
If somebody receives Bafög, can they still invest with their minijob salary? and How would it be taxed? Because normally mijobers are not paying texes.
Yes you can invest. Regarding the taxes on stocks and ETFs, Capital Gains tax is applied for people who get a profit of more than 1000€/year. Profit under 1000€/year would be tax free. But you have to set this up in your investing app. You can watch my tutorials on Scalable Capital or Trade republic to find out the process.
Do I need to pay extra tax in Germany if I invest in the stock market through ETF and get some capital gain in that year but haven't realized the profit?
No, the capital gains of 26.75% is only applicable on "Realized Gains". Meaning that you only pay this if you have sold the ETFs/Stock and gotten the profit.
Hello Ahsan!! I‘m new to this and wanted to ask you about that security account because I‘m not sure I understand well what you said there. What kind of account is that? Which bank do you use? Could you please give me more details on this?! Thank you🙌
Hello there, well a Securities account is an account where you buy and store stocks, etfs and other (securities). I use Scalable Capital as my Securities account. If you are interested to know more Here is a detailed tutorial on how to use Scalable Capital : th-cam.com/video/xm7kURRgNtE/w-d-xo.html
Hi Ahsan! Have you looked into NAYA PAKISTAN CERTIFICATES? With Rupee's outlook being stable in upcoming months, do you consider it to be a good short term (3 or 6 months) option for students who don't want to take a lot of risk with their Blocked amount money? Also, how does the taxation in Germany works for these CERTIFICATES?
As a resident in Germany you have to declare income from all sources all over the world. Regarding the certificates I haven't looked in detail but if you are interested in Interest payments, maybe you can look into Trade Republic which pays an interest of 4% up to 50k€.
@@ahsanfinance @UmarAli-ud4it With Islamic Naya Pakistan Certificate of Roshan Digital Account of for example Meezan Bank, the profit on investment these days is 21% for PKR account and all Shariah compliant. And as far as Euro to PKR is concerned, its quite stable for the past one year.
Sorry, this question is not quite on topic, but how can I transfer USDT from BitGet wallet to a card if there is only the phrase: scrub know faith win siren become slot notice chuckle shift few extra? There is no other data.
Thanks for the comment. As these videos are designed for Absolute beginners, I have to add information which might seem unnecessary for experienced Investors but is essential for Beginners.
how do we analyses which Stock is going to high or low in the future ? which stock would be profited in the future, how we analyses and examine and how can we be sure or confident to invest ?
Hi Ashan I wanted to ask if I am having a Werkstudent plus a mini job together. Is mini job also counted as 120 full days or I can have Werkstudent for 120days full time and mini job hours are not counted? Please clarify this for me
I have heard conflicting information on this topic. Some cities allow students to work a mini job without counting the hours towards the 140 full days allowance, some count the hours of the mini job. Some say the workstudent job along with a mini job will keep you in tax class 1 but some cities say one of the jobs would be taxed under tax class 6. So I recommend you contact your city ausländerbehörde , university AsTa or university International office to get specific regulations about your specific case.
The securities account is your property and belong to you. This securities account is deposited at HSBC Bank (as of writing the comment), so if Trade Republic goes bankrupt, this securities account can be moved to another bank. You can read more about this point on the Trade Republic website
On student visa, you can get part time jobs if you focus on the German language. Other skills might be helpful but language should be the first consideration if you are looking for something to do.
@@ahsanfinance thanks for your anawer i know the importance of the German language i will learn a language till a2 or b1 from here (pakistan) but my question is along with the German language which skills i should learn that will help me to hunt for a job earlier can i get a job easily if i know the work of a mobile or laptop repair with a certificate from here one of my friends told me they do not offer work opportunities of this work
Yes there wont be many jobs in that field. Students can generally find jobs at many places. You should focus on German and on your own field so that you find a full time job after you finish your education
If you want to look for sharia compliant stocks, I would recommend looking into Sharia Compliant ETFs first. Both Scalable Capital and Trade Republic have 3 ETFs each
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🌱 Invest your first €100 in Germany : ahsanfinance.com/scalablecapital
Man I hope and pray you reach 50k soon, your videos are actually quite helpful.
Thank you for the very kind words 🙏🏾
Some great nuggets on general investment principles.Thanks🙏🏽
Glad you liked the video
So what i understand is, suppose if i invest 100€ today in that etf, the way to profit is that when the stock price increases (than todays rate) and i sell the stocks.. is my understanding correct? Are there any other ways to profit after this investing ? Like is there any interest rate yearly?
You are mostly correct yes. However the ETF price can also go down resulting in losses. But like you said you only realize a profit or a loss when you sell the investment. You can look into dividend paying ETFs which pay out a dividend on a regular basis.
@@ahsanfinance thank you for your response. so the perfect time for investment is when we notice the stock price to be low? Because I can see that at present almost all stock prices are highest. So its not wise to invest now?
It is very difficult to find the exact buying time. That is why I use the Dollar Cost Averaging method, where I buy consistently. This way I buy when the market is high as well as when it is low and I don't miss out on the returns in the long term
Nice content! Really learnt a lot
Hi. Thanks for the video. I started investing at Scalable Capital using your link :)
Hello, thanks for supporting the channel 🙏🏾
May god keep you alive for us you are the best 🎉
@@stephengozie1410 Thanks for the kind words
As always very interesting Video Ahsan Thank you.
Glad you liked the video 😇
What about as a Savings plan ? 50,100.. every month? Is it a good idea?
Any amount that you are comfortable with is ok. Try to start small and once you get the hang of it, increase the amount then.
Hello sir I am new in Germany and I want to learn this all in Urdu so can you please give me your contact number
Thank you, this was very helpful.
do index funds also pay dividends?
and does every stock pay a dividend?
Glad you liked the video.
There are Index Funds as well as Stocks which pay a dividend. That said not every stock or Index Fund pay dividends. This video expands more on the topic: th-cam.com/video/x1sKxTg8lJ0/w-d-xo.html
@@ahsanfinance will watch it, thx
I woke up today and this came to my mind. I feel like sharing it right here real quick, and I'm going to try as much as possible to post this everywhere else I can, so everyone gets to see it. The year is fast running out again, and I believe prior to the year, many of us had different plans and goals for the year, one of them probably being a financial breakthrough. Well, I pray, by the grace of the almighty, that we all reach our financial goals this year. The year 2023 was really a life-changing year for me financially.
hi Ahsan, interesting video, thank you. Should I still start investing in ETF if I want to leave Germany in a few years? Is there a way to take the ETF investment when I leave Germany?
May i ask where you are from or intend to go to after leaving Germany?
@@ahsanfinance Hi Ahsan, thanks for replying. My plan is to pursue a nomadic lifestyle, living 2-3 years in different countries in the Asia Pacific. I believe many people have the same intent as I do.
ETF investing could be a great option for you. Just remember to pick a Broker which is available in the countries you intend to live in, the only one I can think of is Interactive Brokers.
I heard about it, great, thanks for answering me ☺️
Good Information Sir
Which Broker maybe good and easy to use in Germany for stock investing,ETF between Etoro vs Scalable capital
If you want to invest in Stocks and ETFs I would prefer Scalable Capital
Hi. I am planning to use Trade Republic. And yes you are right i have that doubt if should i do this or not. I just want to earn extra. Like a savings for my Kids. I need to watch more videos. Thanks a lot. New sub here
Glad you liked this video. I have a dedicated video on Investing for your child here: th-cam.com/video/O_k1g8RkKbs/w-d-xo.html
Thank you for the video!
Would you recommend scalable over Trade republic?
Glad you liked the video.
I use both the apps, and I like both of them Equally. The only difference is that Scalable Capital accepts users from more countries compared to Trade Republic
If somebody receives Bafög, can they still invest with their minijob salary? and How would it be taxed? Because normally mijobers are not paying texes.
Yes you can invest. Regarding the taxes on stocks and ETFs, Capital Gains tax is applied for people who get a profit of more than 1000€/year. Profit under 1000€/year would be tax free. But you have to set this up in your investing app. You can watch my tutorials on Scalable Capital or Trade republic to find out the process.
Do I need to pay extra tax in Germany if I invest in the stock market through ETF and get some capital gain in that year but haven't realized the profit?
No, the capital gains of 26.75% is only applicable on "Realized Gains". Meaning that you only pay this if you have sold the ETFs/Stock and gotten the profit.
Great video specially for students
Happy that you liked the video 😇
@@ahsanfinancebro which broker is is best from italy to trade in usa stocks plz reply me
Hello Ahsan!! I‘m new to this and wanted to ask you about that security account because I‘m not sure I understand well what you said there. What kind of account is that? Which bank do you use? Could you please give me more details on this?!
Thank you🙌
Hello there, well a Securities account is an account where you buy and store stocks, etfs and other (securities). I use Scalable Capital as my Securities account. If you are interested to know more Here is a detailed tutorial on how to use Scalable Capital : th-cam.com/video/xm7kURRgNtE/w-d-xo.html
@@ahsanfinance thank you very very much!! This is so helpful for a begginer like me 🙈
Glad to help :)
Hi Ahsan! Have you looked into NAYA PAKISTAN CERTIFICATES? With Rupee's outlook being stable in upcoming months, do you consider it to be a good short term (3 or 6 months) option for students who don't want to take a lot of risk with their Blocked amount money? Also, how does the taxation in Germany works for these CERTIFICATES?
As a resident in Germany you have to declare income from all sources all over the world. Regarding the certificates I haven't looked in detail but if you are interested in Interest payments, maybe you can look into Trade Republic which pays an interest of 4% up to 50k€.
@@ahsanfinance @UmarAli-ud4it
With Islamic Naya Pakistan Certificate of Roshan Digital Account of for example Meezan Bank, the profit on investment these days is 21% for PKR account and all Shariah compliant. And as far as Euro to PKR is concerned, its quite stable for the past one year.
I have a question. Is it Halal investment ?
For Sharia Compliant ETFs, search for Islamic in Trade Republic or Scalable Capital and you will find 3 Sharia compliant ETFs.
Sorry, this question is not quite on topic, but how can I transfer USDT from BitGet wallet to a card if there is only the phrase: scrub know faith win siren become slot notice chuckle shift few extra? There is no other data.
Please edit this comment as this seems to be the private key to your wallet
Thanks very much.
What about from other EU countries? Not from Germany, how to do?
Depends on the country, but most EU countries have Scalable Capital and Trade Republic. You can look into these two brokers
@ahsanfinance thank you
Time to make an upsated video ♥️
Will do :)
The videos are unnecessarily long, please keep it short and to the point
Thanks for the comment. As these videos are designed for Absolute beginners, I have to add information which might seem unnecessary for experienced Investors but is essential for Beginners.
how do we analyses which Stock is going to high or low in the future ? which stock would be profited in the future, how we analyses and examine and how can we be sure or confident to invest ?
You can start with some basic analysis like the P/E ratio etc. I have discussed it here: th-cam.com/video/8Mt2YEzq-1A/w-d-xo.html
Hi Ashan
I wanted to ask if I am having a Werkstudent plus a mini job together. Is mini job also counted as 120 full days or I can have Werkstudent for 120days full time and mini job hours are not counted? Please clarify this for me
I have heard conflicting information on this topic. Some cities allow students to work a mini job without counting the hours towards the 140 full days allowance, some count the hours of the mini job. Some say the workstudent job along with a mini job will keep you in tax class 1 but some cities say one of the jobs would be taxed under tax class 6. So I recommend you contact your city ausländerbehörde , university AsTa or university International office to get specific regulations about your specific case.
@@ahsanfinance Thankyou so much 🙏
Glad to help!
Please also teach how to invest in crypto big brother please ok
I have a video on How to Buy Crypto here: th-cam.com/video/cb0s94bs9eY/w-d-xo.html
What id one app (firma) like Trade Republic or so after 20 years gonin bankrot? 🤔
The securities account is your property and belong to you. This securities account is deposited at HSBC Bank (as of writing the comment), so if Trade Republic goes bankrupt, this securities account can be moved to another bank. You can read more about this point on the Trade Republic website
Bro, Please also make a video to compare Etoro with Scalable capital
Thanks for the suggestion, will try to do it soon
brother if i learn mobile repairing or laptop reparing skills from my home country
can i get a part time job in germany easily with student visa ???
On student visa, you can get part time jobs if you focus on the German language. Other skills might be helpful but language should be the first consideration if you are looking for something to do.
@@ahsanfinance thanks for your anawer
i know the importance of the German language i will learn a language till a2 or b1 from here (pakistan)
but my question is along with the German language which skills i should learn that will help me to hunt for a job earlier
can i get a job easily if i know the work of a mobile or laptop repair with a certificate from here
one of my friends told me they do not offer work opportunities of this work
Yes there wont be many jobs in that field. Students can generally find jobs at many places. You should focus on German and on your own field so that you find a full time job after you finish your education
Revolut account Investment Are safe ?
I am from Italy
Yes it should be safe in Italy
what about short-term investments? maybe small outcome but constant (weekly or monthly)
The question is how short term? And what does a small outcome mean for you specifically
@@ahsanfinancewhat about the taxes tho, in day trading ? Do we have to register something beforehand or we pay it after we withdraw the money
If you day trade you first have to register yourself as a trader. Then based on your registration the tax would have to be paid
@@ahsanfinance I mean monthly trading and outcomes
which elf y recommend to invest in in Germany
I have discussed my favorites in this video: th-cam.com/video/x1sKxTg8lJ0/w-d-xo.html
Is it legal for students to do?
It is totally legal for students to Invest as long as they are investing their own money.
Do we have to pay taxes for the invested money?
You only have to pay taxes on Profits and some very small amount on ETFs
Does this apply to people with a background that has nothing to do with finance and economics studies etc
Yes anyone should be able to invest as long as they do so with their own money
Are students allowed to do this?
Yes students are allowed to invest
Is the minimum invest amount is 100 euro. Can I start less than it
No 100€ is not the minimum. With Scalable Capital you can start with €1
Is it halal investment?
Bro if investing was harami, UAE, Qatar wouldn't be so rich. It is not haram
If you want to look for sharia compliant stocks, I would recommend looking into Sharia Compliant ETFs first. Both Scalable Capital and Trade Republic have 3 ETFs each
Hlo bhaiya aapse baat karne h mujhe german education se related ham aapko khn sampark krskte h kripya krke bata dijiye❤❤
You can ask your question on youtube and ill try to answer your question if I am able to
Thanks so fucking much bro!
😂😂😂🤦🏽♂️
Hello Guys
U need a professional TH-cam thumbnail designer.
Let me know please.
Thanks for the comment, unfortunately we do not need a designer at the moment.