Questions tagged [germany]

to be used for any question within the geographical region of Germany

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0answers
53 views

Cryptocurrency exchange for US citizen living abroad

I am a US citizen born and living in Germany. I have never lived in the states. My father had been living in the state of New York before he moved to Germany (this seems to be important for ...
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2answers
130 views

Are there any pitfalls to owning real estate as a student?

As title says, as a student in my 20s, are there any pitfals when it comes to (co-)owning (with sibling(s) or parents) a house worth say 500'000€? Taxes? Less chances of getting student scholarships? ...
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1answer
210 views

Do I need to sell stock to effectively use the German Sparer-Pauschbetrag (and if so, how much)?

In Germany, 801 Euros are exempt from the capital gains tax ("Sparer-Pauschbetrag"). There is a small tax on unrealized gains ("Vorabpauschale") but it is afaik negligible right ...
4
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3answers
408 views

Private sale: Buyer requests receipt for payment before payment was transferred. How does this scam work?

I am selling something on ebay Kleinanzeigen (German equivalent to craigslist in the US). A potential buyer first acted like a private person in writing, rather young at age, maybe even a teenager. ...
2
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2answers
224 views

How are so many stocks tradable via Frankfurt that are not listed there?

For example, Stellantis says it is listed on Milan's Borsa Italiana, Euronext Paris, and New York Stock Exchange (source). Still it has a ticker symbol FRA:8TI and is tradable at Frankfurt. How is ...
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1answer
83 views

Best way to pay taxes (German citizen living in US to work internationally)?

I am a German citizen living in the US on a J1 visa. I got an offer to work part-time remotely for a company in the UK. This company could hire me or I could work for them as a freelancer. Germany has ...
4
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1answer
265 views

Buyer from abroad wants to pay by bank transfer and let it fetch by someone else. What should I pay attention to if I want to accept the offer? [duplicate]

I want to sell a couch over the internet (ebay-kleinanzeigen.de, the german pendant to craigslist). A potential buyer wants to pay almost the full price, but he is somewhere else (+1 504) and wants to ...
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1answer
101 views

What is happening when a company wants to trade on a new stock exchange

I invested a year ago 5000 € in a company, listed on the Bulgarian (BG) stock exchange, because I really believed in their home automation products. Today it is doing well and after a capital increase,...
12
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2answers
1k views

What is the advantage of a Sparbuch, and how does this work?

In Germany, there apparently exists such a thing as a Sparbuch (literally: Savings book, apparently comparable to a passbook in the USA), mentioned in this answer. According to a recent news article, ...
3
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0answers
44 views

Germany - Nebenbeschäftigung under 450 EUR classified as Steuerklasse 6 instead of Minijob all the time. Retroactively fixable?

I started a second employment in November 2019, with a monthly pay below 450 Euros, and I don't have any other second employments. I'm now doing my tax declarations, and I have just realized that all ...
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0answers
43 views

Sending International Transfer from Jordan to Germany

I am trying to send enrollment fee to a German account for my master's degree. The university provided me with details that included: Receiver name Bank name IBAN SWIFT/BIC Do I need to use all ...
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5answers
7k views

Is my investment safe if the broker/bank I'm using goes into insolvency?

I'm using Scalable Capital as my broker. Once I buy ETFs through them, if Scalable Capital (or the bank they are partnered with) goes into insolvency, is my investment safe? I'm wondering if I should ...
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1answer
136 views

if my capital gain is less than 801 euros per year, then do I have to file any taxes?

In Germany, there is what is called a capital gains allowence of 801 Euro per year, so if I make less than 801 in profit by selling a share, etc. or getting dividends, then I don't have to pay any ...
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1answer
156 views

What is the difference of buying Coca-Cola shares from the NYSE vs Xetra?

What is the difference of buying Coca-Cola shares from the NYSE vs Xetra? I understand that the NYSE is in USD and Xetra is in EUR but the question here is about risks, dividends, and any other ...
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2answers
172 views

Starting investing in the UK or German stock market?

I am a German citizen but living and working in the UK. Starting my new job came with a higher financial benefit and stock options. I have never invested before but also don't want to waste this ...
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2answers
142 views

What is the gift tax rate in Germany if I give my cousins money?

I would like to give a large amount of cash, about $75,000, to a cousin in Germany. What tax rate would they have for such a gift?
3
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1answer
108 views

Rough estimate of salary as freelancer equivalent to permanent [closed]

I have always worked as a permanent employee, but with so many companies working fully remote I am considering switching jobs. The thing is that most of the companies I am looking at are based in ...
3
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0answers
54 views

Living in France & working remotely in Germany - Tax class

I am working remotely from France for a German university. The HR department is claiming they need to put me in class VI. They say that since I am a remote worker (I have a normal public sector ...
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0answers
49 views

Is a tax deduction possible for tuition fees in Germany?

If I already have a degree, and then pursue a second degree in an unrelated field, do the tuition fees lower my taxable income? What does it depend on? For example, assume that in 2022 I have an ...
3
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0answers
72 views

Selling apartment, what taxes do I have to pay?

If I understand the tax laws in Germany correctly, it is as follows: Case 1: If I owned the apartment at least 10 years I don't have to pay taxes if I sell at a higher price than I bought it. Case 2: ...
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0answers
60 views

Taxes, ETF domiciled in Germany for non residents

I have been living in Germany and investing in an ETF EXXT.de that is domiciled in Germany. However, all the companies in that ETF are US companies. When i leave Germany, am no longer resident and ...
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1answer
55 views

Tax for two fulltime jobs in the US and Germany for a non-US non-European citizen

I am a non-US + non-European citizen who is doing a postdoc in the US (under the J1 visa), in parallel, I have a full-time job (remote) in Germany. What will happen to my tax, shall I pay any extra ...
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1answer
68 views

Strange call options price in Germany?

Disclaimer: I'm a beginner in the options world, didn't do any trades yet, just researching. Today I looked at call options prices for BMW. On HSBC site I found this call option with expiration date ...
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0answers
91 views

DHL Notification - Receive package without ordering [duplicate]

Today, I receive a notification from DHL that a company named Brand Addition Gmbh Hagen, that they have sent me a package. I have neither heard of the company, nor ordered anything from them. I also ...
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0answers
52 views

With respect to taxation, multi-asset ETFs such as 75% bonds + 25% equity are better compared to a 100% bond ETFs?

In here, it is claimed that Less than 100% of gains may be taxed. There is a partial exemption (i.e. Teilfreistellung), which causes only part of the gains (e.g., 70%) to be taxed. This exemption ...
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3answers
151 views

Must I to pay a 2% commission if I invest in a mutual fund via an online broker?

If I invest in mutual funds via one of the online brokers; such as Interactive Brokers, Fidelity, Vanguard, etc.; do I need to pay a 2% commission to the exchange in which the shares are bought? If so,...
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3answers
275 views

Put option - exercise when it expires but don't have enough money to buy stocks to sell

Ok, so here is my plan. I wanted to buy put options which will sell Tesla stock at Strike price 900 Euro in June, 2021. The price for an option is 2.3 Euro and I will buy 1000 options (total cost to ...
1
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1answer
68 views

Bank account in Germany for non-EU-residents?

I am a Brazilian student with a German PhD contract scheduled to start on April 1st, but due to the COVID pandemic which is significantly bad in Brazil, the local German consulate cancelled all visa ...
4
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0answers
78 views

Bringing life savings from KSA to Germany

I recently moved to Germany and my partner is planning to join me in a couple of months. We used to work in KSA and have a sum of money greater than 10 000 euros saved up from our work back in KSA. I ...
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2answers
229 views

cashier check and interest rate

I see news that in Germany banks are asking people to take the money to other banks and need to pay bank negative interest to keep money. A co-worker pointed a strategy that we can possible use in USA,...
2
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6answers
270 views

Why do credit unions in Germany charge a monthly fee (Kreditvereine Kostenloses Girokonto)?

I recently moved to Germany, and I was shocked to discover that almost all of the credit unions (Kreditvereine) and banks here charge a fee just for me to give them my money. Why? Background: I'm from ...
4
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3answers
509 views

Are distributing ETFs always better than accumulating ones?

I am trying to decide between investing in a distributing ETF or an accumulating ETF and to me the distributing ETF seems clearly to be the better option. Since so many people invest also in ...
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0answers
35 views

how does the taxation works if contract is from Spain and you are working in Germany

I am a resident in Germany and will have a contract from Spain. My work location will still be in Germany. Which country should I pay my taxes? How can this be arranged by payroll?
3
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1answer
57 views

Protect "Riesterrente"-retirement account from downside of liquidation

My mom has a german retirement portfolio called "Riester-Rente". Portfolio is mix of bonds and an international fund (DE0008491051). Long explanation: As part of legal compliance, they need ...
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1answer
127 views

Suggestion for my ETF portfolio to invest in Germany?

Below are my 3 ETFs to invest in Germany via Trade Republic as I will need to pay tax here (first 800 Euro is tax exemption). This is my first time ever to invest in stocks and I will hold it for 5+ ...
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2answers
132 views

Investing in Germany

I am an international student and I have an interest in stock markets.I work part time at McDonalds so my tax class is 1. If I were to start another job then I would have to keep one of my income to ...
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0answers
51 views

Will I pay tax in Germany on money sent to me by my friend who lives in the US?

A friend wants to send me money as a gift to help me with a few of my plans, my friend lives in the US, and I live in Germany (Berlin). Will I have to pay any tax on this money? Do I need to declare ...
4
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1answer
131 views

Is there a financial product similar to an annuity in Germany?

I'm trying to figure out how to buy an annuity in Germany. Specifically, I'm interested in a fixed immediate life annuity. That is, a product that would offer a fixed payout every month for the ...
3
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0answers
64 views

Paying aliments: how to consider debt from divorce itself?

It seems I may be divorced in Germany and I want to get my calculations right. I have a house worth 150k€. I have paid 50k€ before marriage. I have paid 100k€ during marriage. Remaining debt is ...
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0answers
45 views

How can a Mutual Fund that is not an ETF be traded on an exchange?

Have a look at https://www.onvista.de/fonds/DJE-Zins-Dividende-PA-EUR-Fonds-LU0553164731. It is the information page for a regular fund ("mutual fund"), not an ETF. Nevertheless, it has a ...
1
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1answer
71 views

How is income tax residency determined for person staying in multiple jurisdictions in a year

Suppose I stayed in multiple countries in a year for significant durations ( say 3 months each in 4 nations) and further assume that double taxation avoidance treaties are in place so how does one ...
1
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1answer
47 views

Which type of organization should I choose to register in Germany to minify taxes for a non-profit software products

I'm (being a resident of Germany) going to introduce a software foundation - keep in mind though that I'm using term "software foundation" in a non-legal sense; and actually the goal of this ...
5
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2answers
837 views

Invest in Vanguard Index Funds (from Germany)

I am planning to invest in Vanguard Index Funds while living/working in Germany, but only interested in specific ones (see below). But I cannot seem to find them via brokers that I usually do my ...
1
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1answer
93 views

Gifting money to non-relative (Germany to UK)

I am considering helping out someone I know with living expenses in the UK (so it would be gifting money from Germany to UK). This person is not a part of my family. One thing I have to consider is, &...
5
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1answer
876 views

I saw the place and have a signed agreement, might this still be scam?

Note: This is happening in Germany so the relevant document is in German. Translations to English are my own. TLDR: After visiting a place the landlord and I signed a document "Protokoll des ...
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2answers
415 views

How do locals in Germany finance their lifestyle seemingly above their salary levels? [closed]

I am foreigner in Germany, and I have noticed that my neighbours seemed to have no problems financing very expensive lifestyle, which I doubt can be afforded by salary alone. My question is: Is there ...
4
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1answer
871 views

How is second income (full-time + freelance) taxed in Germany?

Hello ☀️ I am looking for some advice with some tax/finances questions. I am a software engineer, employed full time in Germany. I’m from the UK (EU citizen with no visa concerns, for now…). I earn &...
2
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1answer
129 views

Long-term stock investment spanning multiple generations

Is there any financial product that would allow someone to invest a sum X (once or maybe add funds periodically) in a single stock, an ETF or similar for a minimum period of time, say 100 years? I'm ...
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0answers
74 views

Will I pay tax on selling the stock purchase plan I was granted by my employer in Germany?

Let's say an employer offers an stock purchase plan of 100EUR contribution from NET monthly salary of the employee across a quarter, that will be 300EUR total. Now let's say the employee at the end of ...
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2answers
114 views

Is an issuer risk free financial product secure if the bank holding it goes under?

When purchasing ETFs or other financial products, I only choose finance products that are "issuer risk free", which means that in case the institution that sells these products goes broke I ...

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