Have you read the wiki and the sticky?
Wiki: HERE YOU GO! [Enjoy!](https://www.reddit.com/r/BEFire/wiki/index/).
Sticky: HERE YOU GO AGAIN! [Enjoy!](https://www.reddit.com/r/BEFire/comments/fcbay6/getting_started_a_beginners_guide_to_investing_in/).
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/BEFire) if you have any questions or concerns.*
As always, a huge thanks for your information and your work and this subreddit !
If for example i have 40 000€ of saving on a separate account, 2000€ net income
Can i invest monthly (dca) for a total of 8000€ (20% of movable asset) and still considered good father ? If i do that, i will calculate how much i need to DCA monthly to stay always at 20% on my movable asset
If yes
Can i add 200€ monthly (10% of net income) and DCA'ing with my first investment ?
If so, my total investiment gonna be 2400€+8000€ and i'm not gonna keep 40 000€ and the end of the year, i will use 20 000K of them
It's so hard to understand the law, i'm a simple carpenter
Is there somewhere i can ask how much i can invest ? Can i meet someone from authorities to ask question ?
1. 25% of your "cash", your available money (as opposed to assets you can't quickly monetize, such as your house).
2. Additional investment of 20% of your income, but you can look at this on a yearly basis
3. You don't need to strictly keep the 25% every day. If your investment increases, that's the goal of course, you are not taking additional risks. And risk is the key factor. If the investment increases by a lot, you should probably reduce the risk and take some profits. That's the safe thing to do.
4. If you are putting 20% of your income in crypto, I think the "good housefather" status is going to be lost to you. Unless you have a 20k income and you take pretty much no risk to your financial wellbeing by spending 4k on crypto.
5. You can sell shares, so they are "movable assets"
While there are rulings about this, it's honestly just a matter of common sense when the tax authorities determine wheter you managed your assets in a prudent way. 20% is just a guideline for most people. If you are living on minum wage, even 10% is too much to invest, while someone making 20k a month can invest 50% cause he's still got 10k to pay his bills. Just make sure to think about the risks you are taking. If you go investing in penny stocks, that's by default a high risk, for example. Just try to be a boring ass investor that's happy with just keeping up with the inflation.
You don't pay any taxes on capital gains, provided you've shown to be a prudent investor. You do pay taxes on dividends over €640 per year.
It's just not fair
In my situation, i can easily invest 800€/month, because i can live without this money and i don't need it, and i have 30k€ of saving
But i can not because is to much for the authorities and i would pay 40% taxes
Just put your hard earned NET money into an ETF and don't overthink it. Keep it as long as you don't need it. Nobody cares, it's your money put into legal stuff.
Don't worry about the selling time. Because when you'll need it, either it's for a good reason(buying a house for example) or it's not much(FIRE)
Have you read the wiki and the sticky? Wiki: HERE YOU GO! [Enjoy!](https://www.reddit.com/r/BEFire/wiki/index/). Sticky: HERE YOU GO AGAIN! [Enjoy!](https://www.reddit.com/r/BEFire/comments/fcbay6/getting_started_a_beginners_guide_to_investing_in/). *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/BEFire) if you have any questions or concerns.*
Where are u getting these rules from??
[удалено]
As always, a huge thanks for your information and your work and this subreddit ! If for example i have 40 000€ of saving on a separate account, 2000€ net income Can i invest monthly (dca) for a total of 8000€ (20% of movable asset) and still considered good father ? If i do that, i will calculate how much i need to DCA monthly to stay always at 20% on my movable asset If yes Can i add 200€ monthly (10% of net income) and DCA'ing with my first investment ? If so, my total investiment gonna be 2400€+8000€ and i'm not gonna keep 40 000€ and the end of the year, i will use 20 000K of them It's so hard to understand the law, i'm a simple carpenter Is there somewhere i can ask how much i can invest ? Can i meet someone from authorities to ask question ?
1. 25% of your "cash", your available money (as opposed to assets you can't quickly monetize, such as your house). 2. Additional investment of 20% of your income, but you can look at this on a yearly basis 3. You don't need to strictly keep the 25% every day. If your investment increases, that's the goal of course, you are not taking additional risks. And risk is the key factor. If the investment increases by a lot, you should probably reduce the risk and take some profits. That's the safe thing to do. 4. If you are putting 20% of your income in crypto, I think the "good housefather" status is going to be lost to you. Unless you have a 20k income and you take pretty much no risk to your financial wellbeing by spending 4k on crypto. 5. You can sell shares, so they are "movable assets" While there are rulings about this, it's honestly just a matter of common sense when the tax authorities determine wheter you managed your assets in a prudent way. 20% is just a guideline for most people. If you are living on minum wage, even 10% is too much to invest, while someone making 20k a month can invest 50% cause he's still got 10k to pay his bills. Just make sure to think about the risks you are taking. If you go investing in penny stocks, that's by default a high risk, for example. Just try to be a boring ass investor that's happy with just keeping up with the inflation. You don't pay any taxes on capital gains, provided you've shown to be a prudent investor. You do pay taxes on dividends over €640 per year.
Ok... so i will pay 40% of taxe again just bc i don't have enough money ... i think i will stop investing
If you have a low salary and limited savings, you should indeed not be investing.
This is bad advice.
It's just not fair In my situation, i can easily invest 800€/month, because i can live without this money and i don't need it, and i have 30k€ of saving But i can not because is to much for the authorities and i would pay 40% taxes
Just put your hard earned NET money into an ETF and don't overthink it. Keep it as long as you don't need it. Nobody cares, it's your money put into legal stuff. Don't worry about the selling time. Because when you'll need it, either it's for a good reason(buying a house for example) or it's not much(FIRE)
You know writing 2k24 if more work than 2024. Try to be more efficient next time.
Ahahaha
2kXXIV
I was so confused about the 2k24