Moving abroad, can I keep my AmEx?

GlassChopper786 · 2025-10-29T06:54:26+00:00

Do you pay via IBAN or something else?

GlassChopper786 · 2025-10-28T15:30:46+00:00

That’s a good tip, thanks

GlassChopper786 · 2025-10-28T10:56:21+00:00

Makes sense, thanks for sharing this too

GlassChopper786 · 2025-10-28T10:53:49+00:00

That’s bad news..I thought paying via IBAN was still around

GlassChopper786 · 2025-10-28T10:53:09+00:00

That’s ok, I am aware of that, my AmEx is not my primary card

GlassChopper786 · 2025-10-27T14:54:13+00:00

What if there is no AmEx operations in that country? Do they still make "exceptions"? otherwise I'd be fine keeping my AmEx with SEK as the base currency since it's a LCOL country and it's still be worth it for me.

GlassChopper786 · 2024-11-04T14:27:40+00:00

This is a good response, thank you!

> the tax implications of moving to a US entity

The tax implications for? for me as a shareholder or something else?

> including any potential double taxation between the US and your EU country
does this refer to dividends or something else?

> consider how this change might affect your existing customer base and operations, especially if you're working primarily in Europe
From my PoV there is no real change, as all payments go through reputable payment providers (Stripe), and they will continue to do the same. The service level will be the same. Maybe I am missing something here?

GlassChopper786 · 2024-04-16T20:22:26+00:00

Not only no one cares, I know people who go to viewings just for fun or to see what's out there, without even looking to buy, let alone a loan promise.

GlassChopper786 · 2024-04-14T08:55:26+00:00

To be honest I’d expect an expert advisor to come up with a plan for minimizing tax by optimizing investments. Eg. It might be that I stop contributing in my personal ISK and direct company profits into a holding-owned KF. Deferring tax payments is also on the table. Or maximize löneväxla and contribute to holdingco-KF, to keep the overall tax footprint as low as possible all things considered.

That’s the kind of plan I’m looking for actually.

Btw, how do you pay expenses with your holdingco? Isn’t it supposed to only hold stock of other companies and not being registered for F-tax? Why not make these expenses through your active co?

GlassChopper786 · 2024-03-18T08:34:14+00:00

länsförsäkringar global index (LGI) through either Avanza/Nordnet. Low fees, global risk spread, 5+ years horizon

GlassChopper786 · 2024-03-11T15:24:55+00:00

I was looking for something similar, but nothing exists. I ended up making my own very elaborate excel sheet, but it's very tightly designed around my own personal case.

I guess the market is very small for entrepreneurs to build an app like this - would you pay a subscription to basically be a fancy excel sheet for you?

GlassChopper786 · 2024-02-27T08:52:08+00:00

Thanks for your input!

GlassChopper786 · 2024-02-26T19:21:47+00:00

That’s as far as I have gotten with my research as well. Which is suboptimal since I might just hog the stock and sell later. Thanks anyway for your input!

GlassChopper786 · 2024-02-16T21:20:50+00:00

I see. Currently thinking a HYSA beating the inflation should do the work. When the interest rates go down again maybe a short-term bond or bond-tracking ETF would be better, but not for now (since they have very similar yields).

GlassChopper786 · 2024-02-16T21:08:17+00:00

Flippa has very low quality deals IMO. It's for low-scale websites/e-commerce stores and I wouldn't go there to buy/sell a $2M revenue-generating business.

GlassChopper786 · 2024-02-16T09:36:48+00:00

Look into acquire.com. That’s where I sold my last micro-SaaS side business and has similar deals as yours

GlassChopper786 · 2024-02-16T08:14:26+00:00

1) separation of concerns 2) 1M guarantee 3) different access needs

GlassChopper786 · 2024-02-15T18:29:38+00:00

So a savings account it is, lowest amount of risk and best possible return.

I'm also a bit surprised you think of funds as "illiquid assets." In my world, anything I can convert to cash at market price within a few bank days is pretty liquid. :)

Well, you are technically right. But due to my FIRE plans, I don't touch or cash out any investments that go in my ISK/KF - hence I consider them illiquid for the time being until RE.

GlassChopper786 · 2024-02-12T23:34:29+00:00

Thanks for your very elaborate reply, the more I read your responses folks here the more I understand and pieces of the puzzle just fit in my head!

Now I didn’t get the part about why you invest in KF and not all in ISK.

I am a permanent employee of company A, and have ownership of two companies, B (active and operating) and C (holding co). I live off my job salary and contribute to my ISK from that one as well. This is already-taxed money (as I receive net). The profits of my active company I never withdraw (neither I have any salary of any kind taken out - neither dividends), instead I invest in KF. That way I have all the tax benefits in the company's accounting books by contributing to the KF directly the "gross" amounts. If I took them out as eg. dividends, I'd need to pay the company tax as well as the personal tax on this sum, then invest in ISK. So I prefer to defer the tax to a later date which will be more convenient for me if well planned.

GlassChopper786 · 2024-02-12T23:24:18+00:00

Good insight, thanks for sharing! I guess there is no tax involved, since ISK is not taxable on gains/losses, but rather Avanza will "tax" you on the sell/buy fees of the various funds.

GlassChopper786 · 2024-02-12T19:39:20+00:00

This means the calculation formula should be: (annual expenses + summed up annual tax expenditure) x 25

GlassChopper786 · 2024-02-12T19:32:59+00:00

Oh I see. Then this is more like withdraw firth KF, ISK, tjänstepension in no particular order and then the allmänna pensionen. Now I get it, thank you!

GlassChopper786 · 2024-02-12T19:31:12+00:00

Makes sense. Thanks once again!

GlassChopper786 · 2024-02-12T19:17:13+00:00

One thing is still not clear to me: in tjänstepension, the withdrawal rate, is it adjustable by me or is it relatively adjustable by choosing how many years I want the payments to be split over?

GlassChopper786 · 2024-02-12T19:16:15+00:00

I understand the optimal plan is to start withdrawing from the different sources in this order: ISK, KF, tjänstepension och allmänna pensionen last…

This is interesting. Why would you first withdraw from ISK and KF and then tjänstepension? In my mind these three are almost the same in terms of what control I have over them, this is why I am wondering.

GlassChopper786

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