#Kapitalerträge

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January 12, 2026

Living the ‘Privatier Light’ Life in Austria: Tax, Insurance, and Withdrawal Strategies

Exploring the feasibility of semi-retirement in Austria with a seven-figure portfolio, focusing on self-insurance via ÖGK, tax-efficient withdrawal using the 3% rule or dividend income, and potential deductions for insurance costs under progressive capital taxation.

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Double Freistellungsauftrag: Why Two Brokers Don’t Mean Double Tax-Free

Germany

December 30, 2025

Double Freistellungsauftrag: Why Two Brokers Don’t Mean Double Tax-Free

Claiming your €1,000 capital gains exemption at multiple brokers feels like a victimless error, until the BZSt’s data cross-check kicks in. Here’s the real cost of double-dipping and why ‘oops’ doesn’t cut it with German tax authorities.

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Capital Gains in Retirement: Why Accumulating ETFs Are a German Tax Trap

Germany

December 14, 2025

Capital Gains in Retirement: Why Accumulating ETFs Are a German Tax Trap

The brutal truth about living off capital gains in Germany, why your ETF strategy might be backwards, and how the Vorabpauschale changes everything for retirees.

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Germany

December 6, 2025

The Capital Gains Pension Trap: Why Germany’s New Funding Plan May Be Unconstitutional

Exploring the controversial proposal to fund German state pensions through capital gains contributions without granting individual entitlements, a legal and ethical minefield.

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