🇩🇪Germany

Doppelbesteuerung von IRA-Auszahlungen

1 verified sources

Definition

German residents inheriting US IRAs face both inheritance tax on the value at death and income tax on distributions, with limited relief under § 35b EStG for flat-rate taxation.

Key Findings

  • Financial Impact: 25% Abgeltungssatz Einkommensteuer + 11-50% Erbschaftsteuer (je nach Verwandtschaftsgrad); z.B. €25.000 Steuer auf €100.000 Distribution
  • Frequency: Jährlich bei RMDs über 10-Jahres-Periode
  • Root Cause: US RMD-Pflicht kollidiert mit deutscher Erbschaftsteuer; unvollständige § 35b EStG-Reduktion bei Abgeltungssatz

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Trusts and Estates.

Affected Stakeholders

Erben deutscher Steuerpflichtiger, Steuerberater, Nachlassverwalter

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

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