Understanding investment taxes is essential. It is not what you earn that matters, but what you keep after tax.
Capital Gains Tax in Europe
How selling investments is taxed.
Rates vary: Portugal 28%, Germany 26.375%, France 30%, Netherlands 0% but wealth tax. Some countries offer reduced rates for long-term holdings. Tax-loss harvesting is legal and smart.
Dividend Tax Across Europe
How investment income is taxed.
Dividends taxed at source with withholding tax. Ireland-domiciled ETFs benefit from US-Ireland treaty at 15%. Accumulating ETFs defer dividend tax in many EU countries.
Tax-Efficient Strategies
Legal ways to minimize tax.
Use accumulating ETFs. Hold investments long-term. Use tax-advantaged accounts. Tax-loss harvest to offset gains. Consider domicile with territorial taxation. Always consult local tax advisor.