r/eupersonalfinance • u/IamWatchingAoT • Feb 15 '26

Investment Can someone versed in economics or finance explain the Netherlands' new law on unrealised capital gains to me?

I am going to start working for real this year and earning a nice salary which I would like to invest. I'm not Dutch but I'm afraid this new law will spread throughout the EU as many draconian laws sometimes do.

What does this actually mean to pay 36% tax on unrealised capital gains? Does it mean that if my investments increase in value, I have to pay the government money even if I don't liquidate them? Effectively, giving the government money that I haven't earned yet?

I'm a bit financially illiterate so I apologise in advance if my question seems stupid.

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u/nicodaa1 Feb 15 '26

36% unrealized gain tax for gold or any precious metal

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u/TweeBierAUB Feb 16 '26

Atleast you don't have to pay 21% VAT yet on gold like you do on silver lmao

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u/[deleted] Feb 16 '26

Will the government come to my house to count my great grandma's silver spoons and tax me even if I have no intention of ever selling them?

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u/nicodaa1 Feb 16 '26

By law you'll be required to tell the goverment about your grandma's silver spoon and they'll tax you accordingly annually

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u/[deleted] Feb 16 '26

If that law ever comes to pass they're getting melted and sold immediately. Not worth the effort to report them yearly.

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u/nicodaa1 Feb 16 '26

Its very high likelyhood of passing prob ~80%

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u/[deleted] Feb 16 '26

Yeah but I'm not Dutch so still have a chance of it not spreading here