IBKR or Scalable Capital in my case?
I currently reside in NL and will soon move to Germany for my PhD. I have my ETFs in IBKR but I just learned that IBKR doesnt withhold or calculate the “vorabpauschale“ (tax on accumulating ETFs in Germany) and you have to do it yourself. I am someone who doesn’t have much financial literacy (or interest) beyond vwce and chill. So I don’t want to spend time with calculating the vorabpauschale myself and risk making an error reporting it to the authorities-I have heard it’s quite difficult. I also cannot afford a professional. I heard that Scalable Capital does this automatically for German residents so I am considering moving my ETFs there.
The problem is: because of the nature of my job, I will move around quite a bit in the coming decades. I might even end up leaving the EU (I am non-EU myself) and unsure where I will live after Germany. IBKR makes a lot of sense for this reason. But what if I move to Scalable for the time I live in Germany and then go back to IBKR - is this smart or is it even possible? Has anybody transferred positions to or from IBKR/Scalable Capital? I don’t want to sell-rebuy every time I move.
For extra context: I don’t intend on realizing any gains in the next 5-10 years.