Stock market investments

[Alberto]

So you will stop working in a few years only. Congrats.
Presumably you will then have some kind of retirement income, like DRV or whatever else....oder...?
If yes, is this income reasonable for ordinary living so that you don't *really* have to access your invested capital?
If yes, I wouldn't touch it.
If not, maybe.

As I wrote earlier: I don't think this kind of decision should be based too much on your market expectations. Rather, where one currently stands on his financial life, should be the major driving criteria.

No taking credit away from Buffet, but I wouldn't really look at what he's doing. There's probably a huge amount of stuff that we don't know behind what he does, so reaching big conclusions on extremely limited knowledge is generally bad, "he's selling stocks, so he probably expects a crash, maybe I should take examples.....". Sorry, not saying Buffet is wrong but I don't subscribe to this.

[yesterday]

Thanks for those thoughts

[Fraufruit]

Alberto, you do know that most people invest for many years in order to have a comfortable retirement, right? Why do you suggest not to touch the investments? The plan is to take out a couple grand or whatever each month to supplement their Rente. The investment account will continue to grow if one is careful and doesn't get into one's principal.

[Alberto]

Alberto, you do know that most people invest for many years in order to have a comfortable retirement, right? Why do you suggest not to touch the investments?

FF, I agree. Apologies if I gave the impression I have a different view.

I strongly suggest not to take out of investment too early. Taking out for/during retirement, little by little, is what I also think best.

Just sometimes I hear (not here, admittedly) people saying like "my investment did well, I better cash it out and invest in something else". Sometime even young people.

[Fraufruit]

Oh, I understand. Thanks.

Unloading a winner is a good way to give money to the Finanzamt.

[alma.freya]

Taking out for/during retirement, little by little, is what I also think best.

This also has the added benefit that you can pay income tax instead of capital gains tax on your profits via Günstigerprüfung. In most cases this would result in a much lower tax rate.

https://frugalisten.de/steuern-kapitale ... ptimieren/