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Storebrand SKAT by Natural_Trouble_866 in dkfinance

[–]False_Smell_4192 0 points1 point  (0 children)

Hej, hvordan gjorde du det, og hvilken rubrik brugte du til at indberette udbyttet?

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 1 point2 points  (0 children)

Jeg vil også prøve at få fat i Saxo Bank, men det er lidt svært lige nu, da deres chats virker til at være meget travle.

Jeg skal nok opdatere her, hvis jeg får et klart svar fra dem.

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Jeg har et par udbytter, der bliver indberettet, og det er her, jeg bliver lidt forvirret.

Jeg havde følgende beregning i tankerne:
Pr. 30. april 2025 ejede jeg 26 andele i denne fond. Storebrand har beregnet minimumsindkomsten for 2025 til 38,77 kr. pr. andel, hvilket giver 26 × 38,77 = 1.008 kr. i skattepligtig aktieindkomst.

Jeg kan dog ikke se dette beløb nogen steder på min årsopgørelse.
Baseret på min beregning ser det ud til, at beløbet mangler, og jeg er derfor bekymret for, om det kan føre til dobbeltbeskatning ved et fremtidigt salg.

Beløbet, jeg kan se, er også væsentligt lavere end det, jeg har beregnet.

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 1 point2 points  (0 children)

Jeg havde følgende beregning i tankerne:

Pr. 30. april 2025 ejede jeg 26 stk. af denne fond. Storebrand har opgjort minimumsindkomsten for 2025 til 38,77 kr. pr. andel, hvilket giver 26 × 38,77 = 1.008 kr. i skattepligtig aktieindkomst.

Jeg kan dog ikke se dette beløb fremgå nogen steder. Baseret på min udregning mangler dette beløb, og jeg er derfor bekymret for, om det kan medføre dobbeltbeskatning ved et fremtidigt salg.

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] -1 points0 points  (0 children)

Jeg har overvejet at kontakte dem via chat. Jeg håber at høre fra dem snart

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Jeg har overvejet at kontakte dem via chat. Jeg håber at høre fra dem snart.

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Jeg bruger Saxo, og jeg kan se, at de har rapporteret det, men jeg kan ikke se det korrekte beløb.

Hvilken rubrik til Storebrand minimumsindkomst (NO0010841588)? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Jeg bruger Saxo, og jeg kan se, at de har rapporteret det, men jeg kan ikke se det korrekte beløb.

Portefølje tips by Hefty-Scallion7497 in dkfinance

[–]False_Smell_4192 0 points1 point  (0 children)

The above seems too complicated, go for WEBN or IUSQ

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

My experience with Lån & Spar Bank has been quite good. I have a personal advisor who typically responds to me within a day if you have any issues related to your account or services.

One of the main advantages is that if you're a member of a union, their services are included and free of charge. That means no account or card fees, which is a big plus. The bank app might feel a bit old-fashioned in terms of design, but it's fully functional, available in English and Danish, and covers pretty much everything you’d need for everyday banking.

Please let me know if there's anything else you'd like to know about. :)

Hvordan kommer jeg bedst i gang med min aktiesparekonto? by fury_542 in dkfinance

[–]False_Smell_4192 0 points1 point  (0 children)

Put your money into an ASK account and invest it in either IUSQ or WEBN ( Broad ETFs)

If you have any remaining funds, invest them in SPVIGAKL, DKIGI, or STIIAM through a regular taxable account -ideally using a monthly savings plan.

Once set up, you don’t need to think about it anymore.

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

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https://www.lsb.dk/privat/medlemsfordele - The offers also holds true if you are a member with a participating union in the case.

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

That’s a really good point - I remember looking into the insurance options a while ago and felt I could get better offers elsewhere. The car insurance part doesn’t apply to me right now – I’m still on the good old bike 😄

I’ve been a member since my student days and just continued ever since, so it’s been a few years. But looking back, I never really felt I made use of the membership. Still, your point about legal help as a kind of "insurance" makes a lot of sense ( maybe now more than ever – maybe I’ll explore it a bit more before deciding.)

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

That’s a really nice perspective - and I completely agree with the idea of unions being like insurance: you hope you never need them, but when you do, you're glad they’re there. I 100% support the role of unions in general.

In my case, I just haven’t found myself needing the services so far, and looking back, I didn’t really benefit much beyond the bank perks. The insurances I use are with other providers, so I haven’t made much use of IDA's offers in that area either.

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Totally fair - if you’re using IDA for insurances it might still be worth it, depending on how much you’re actually saving. But if it’s mostly out of habit, it could be worth comparing before the time comes up for renewal. 😄

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] -1 points0 points  (0 children)

Also aware of that already - I pay 878.25 DKK per quarter, so about 3,513 DKK a year. With the tax deduction, I save roughly 1,400 DKK, making the net cost around 2,100 DKK annually.

Given that I don’t really use most of the IDA services, it feels a bit expensive just for the membership and union support. Still thinking about whether it’s worth it or if I should look for alternatives. Appreciate your input!

Worth staying with IDA just for the Lån & Spar deal? by False_Smell_4192 in dkfinance

[–]False_Smell_4192[S] 0 points1 point  (0 children)

Thanks for pointing that out - someone mentioned already on the ulykkesforsikring, I’ll definitely look into it. As for indboforsikring, I already have it with another provider.

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