The DolFin Blog
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Investing: money guides for Austria and Germany.
KESt ETF Austria: How Capital Gains Tax on ETFs Works
KESt ETF Austria explained in plain English: the flat 27.5% rate, why there is no tax-free allowance, steuereinfach brokers, and the US ETF trap to avoid.26 June 2026 · 10 min readHeading Out
The European Equivalent of a 401k and Roth IRA: What Austria and Germany Actually Have
There is no Roth IRA or 401k in Austria or Germany. Those accounts are US tax law, and US tax law stops at the US border. Here is the real path instead.26 June 2026 · 6 min readHeading Out
Vorabpauschale Explained: Why Money Left Your ETF Account in January
A simple guide to the German Vorabpauschale. Learn why cash left your ETF account in January, how the sell-to-cover works, and why your real ETF tax is lower than the scary number.26 June 2026 · 6 min readHeading Out
