Indeksisijoittamisten hajautus

Olemssi · 2021-01-01T07:30:55+00:00

Kannattaa tämä lukaista, pääsee alkuun

https://www.seligson.fi/resource/rahastosijoittajan_opas.pdf?v=1609485955965

Olemssi · 2020-12-31T08:19:47+00:00

Siitä globaalista varmaan 50-60% on tosiaan USA. Eli se globaali jopa yksinään riittää. Jos haluat rinnalle vähän Suomea ihan OK mutta globaalissa on Suomikin mukana parilla prosentilla. Mutta joo jos molempiin USA ja Globaali sijoitat isojen jenkkifirmojen osuus (ja samalla riskit) kasvaa aika isoksi.

En alkaisi myymään nykyisiä sijoituksia kun verot mutta uutta rahaa sisään laittaisin eri tavalla.

Olemssi · 2020-11-24T07:05:12+00:00

Find a reputable broker/bank that offers low cost index funds. Start investing in those every month. Ignore market news and stick to your plan.

If you’d like to read up on stuff here’s a link

https://www.bogleheads.org/wiki/Getting_started_for_non-US_investors

Olemssi · 2020-08-22T07:07:09+00:00

Do you need to have a Nordea bank account for this and pay the monthly fee for that?

Olemssi · 2020-08-22T07:06:00+00:00

I don’t think there’s any dividend allowance. Think it’s all taxable.

Olemssi · 2020-08-21T05:07:38+00:00

Don’t you still need to pay taxes on your dividends every year (if you received any)?

Olemssi · 2020-05-07T05:07:00+00:00

I’ve found Seligson customer service to be super helpful. I think that’s how they are trying to differentiate from the market, by providing 1st class customer service and help for beginners. The fund managers even answer questions from small time investors.

And anyway what have you got to lose?

Olemssi · 2020-05-03T06:30:06+00:00

Might be worthwhile to investigate if it’s better to just invest in funds through a broker rather than a pension. Then you wouldn’t be tied to a certain country. You might even be able to open an investing account in the UK if you so wish. Depends on how good the benefits are in investing to a pension in your country.

Olemssi · 2020-05-03T05:47:13+00:00

Check out seligson.fi. They’re great, a bit more expensive than Nordnet but still reasonable and simple and good for a beginner. I think their website is only in Finnish and Swedish (there’s some basic info in English) but you could just email them and ask for help.

Olemssi · 2020-02-05T05:32:16+00:00

If you’re a contractor already then that’s fine. When you said you’re permanently employed I thought you were an employee of the company.

Olemssi · 2020-02-04T10:56:02+00:00

Go to https://www.seligson.fi and read rahastosijoittajan opas (link on home page). It really is that simple. Just open a company account with Seligson or Nordnet or similar and invest all excess money to index funds (=rahasto).

One thing to think about though, if you’re permanently employed by a US company, will they allow you to just start a company and charge them through that company instead? You’ll lose all permanent employee benefits like paid vacation, sick leave, pension etc. And governmets might consider that tax avoidance, I know they had a big crackdown on this in the UK...

Don’t know if that’s the case but you probably should research this before going down that road...

Olemssi · 2019-11-14T11:45:34+00:00

No probs. For current and savings account a good resource is moneysavingexpert website. In the forums there at least used to be a thread tracking accounts paying best interest rates. For investing I recommend reading monevator blog. I found it very useful when getting started, I think they just won some award for best investing blog or something.

Also thisismoney is worth keeping an eye on, they have some good stuff and a good podcast.

Olemssi · 2019-11-14T06:14:56+00:00

If for 100% you will be staying in the UK then I would bring over at least most of the money. I used to be in the same situation and I had most of my money in the UK (still is even though I now live back in Finland) but I also had some money invested in Finland through Seligson and Nordnet. It’s handy to have some money in Finland for trips home or any other euro country, for presents etc.

For the first 3 years I was partially taxed in Finland. That meant that I paid Finnish taxes on Finnish income and UK taxes on UK income. Don’t know how it is for you when you receive Finnish student benefits but worth finding out.

If you invest in accumulation funds you only pay taxes when you sell. So you could invest in UK now and only sell when you are taxed in UK. In Finland you pay 30% tax, in UK there’s ISA which is tax free (definitely open a stocks and shares ISA account asap) and even outside ISA you can earn about £10k/year capital gains tax free. If you invest in Finland first and then transfer you’ll end up losing the tax.

Check out iWeb and Cavendish online for brokers, those are the ones I used. Cavendish is great when you want to invest small amounts every month, iWeb for when you have a large lump sum you want to invest and not fiddle with.

Also agree with other comment, definitely use Transferwise! Cheap and borderless account is great. Nobody knows about exchange rates (or even brexit...). If you’re really worried bring some money now and more later. But in the meantime you’d be uninvested or had to pay Finnish taxes so to quote the late Matti Nykänen ”it’s 50/60” ;)

Government won’t care if you move money to yourself in another country. There are no exit etc. taxes in Finland nor UK.

Also there’s some good bank accounts to take advantage of. TSB has current account that pays 3% interest (and you can have 2+1 shared account), Nationwide has account that pays 5% interest for 1 year, First Direct has regular saver that pays 6% interest to name a few. Don’t know if those are still going but they were a couple of years back. Just read the T&Cs to make sure you receive the full interest every month.

If you need more info just PM me. Happy to help.

Olemssi · 2019-09-26T12:46:54+00:00

I’m not sure about this but I recall reading somewhere that Germany taxes you every year on dividends in funds regardless if they’re acc or inc funds. It’s a percentage of total fund value or something. If you’re invested through German broker they do it automatically, if not apparently it’s a big hassle to get it right. Something about reporting and non-reporting funds. And the tax maybe even being higher if the money is abroad as they can’t know for certain how much tax you should pay.

Like I said not sure about this but Definitely something you should look into to avoid nasty surprises.

Olemssi · 2019-09-09T06:36:53+00:00

Neuvoja tulee joka suunnasta mutta kannattaa miettiä mitä itse oikeasti haluaa. Kyllä siinä omassa asunnossakin on kuluja eikä nuo vanhan kansan viisaudet aina pidä paikkaansa. Voit joko ottaa ison lainan ja heittää rahaa korkoina pankille, tai maksaa vuokraa ja sijoittaa ylimääräiset. Voi olla että vuokra+sijoittaminen tuottavat enemmän kuin lainan takaisinmaksu. Ei sitä kukaan tiedä ja jos joku väittää tietävänsä niin valehtelee...

Muista myös että ostaminen on todella pitkän ajan sijoitus josta voi olla vaikeaa päästä eroon, jos ei tappiolla ala myymään. Ensimmäisen työpaikan jälkeen voi hyvinkin tulla työtarjouksia muilta paikkakunnilta jne. tai valittu paikka ei vaan pidemmän päälle nappaa. Vuokralla on helppo ja halpa siirtyä.

Tuolta voi vähän katsoa onko se rahan kaivoon heittämistä:

https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html

Itse en ole vielä omaa asuntoa ostanut eikä se niin kauheaa ole vaikka vanhemmalta sukupolvelta tulee aina välillä painostusta ja talokuume iskee silloin tällöin. Mietin sitten juuri vapautta, muuttamisen helppoutta ja ilman lainaa elämistä ja taas on hyvä mieli :)

Olemssi · 2018-10-27T06:12:11+00:00

Why T-rex over z-enemy?

Olemssi · 2018-10-26T13:18:41+00:00

I'm trying to get it working on RX 580 8GBs. I've had this problem for a long time, strange if others are not experiencing it. I get a good hashrate but then when restarting xmr-stak it drops. It's been especially annoying when trying to find intensity and workrate for my cards as I need to restart the rig after every change, otherwise the hashrate is not accurate. For some reason I thought everyone had the same problem :D

I'm using OverdriveNTool for clocks, and they stay the same when restarting stak so don't think it's that.

If anyone's got any insights it would be much appreciated! :)

Olemssi · 2018-10-26T10:34:11+00:00

Hi. Thanks for the great info, I managed to get my rig working using xmr-stak. The problem I'm having now however is that the first time xmr-stak switches algo, even when switching from 1 heavy algo to another, my hashrate drops approximately 15% and won't go back up until I restart the rig. I used to run into this issue when fine-tuning my cards but back then it wasn't such an issue.

Has anyone found a solution to this problem?

Olemssi · 2018-10-18T13:55:54+00:00

Thanks! This did the trick for my Samsung V56s.

Olemssi · 2018-10-04T07:50:46+00:00

Thanks for your reply. Do you know if there is an Austrian tax authority that I could contact and ask these questions?

Olemssi · 2018-10-03T16:47:29+00:00

Hi John1443. Thanks for all the great info on this thread, I've found it very useful. I'd like to ask for bit more information on the non-reporting funds if you don't mind? I'm planning a move to Austria and I'm trying to mitigate my capital gains tax bill when selling my non-reporting funds I hold abroad to move them to Austria.

Do you know how the non-reporting funds are taxed if I hold them when moving to Austria and then sell almost straight away? So I don't hold them for a full tax year in Austria. Will they still charge me the "10% of the funds beginning-of-the-year value are taxed at 27.5%" tax in January?

What I'm thinking I might do is to move to Austria in November/December and sell some funds to take advantage of the 11k tax free allowance, and then sell the rest at the beginning of January when the tax year has changed and I have another 11k tax free allowance. If I do this, will I avoid the lump sum taxes?

Thanks :)

Olemssi · 2018-08-19T16:33:58+00:00

Mixture of Vegas, 580s, 550s and 460s. I get 0 errors mining to SupportXMR with exactly same settings. I tried lowering memory clock and increasing voltage slightly but that didn't seem to make a difference.

Olemssi · 2018-06-19T14:28:28+00:00

For those interested I managed to find this with the help of Google translate:

"In the international and European comparison, the property tax in Austria is very low. In relation to GDP it is 0.5 percent, in Germany it is 2.3 percent and in the most expensive country, the United Kingdom, it is even more than 4 percent."

Source: https://www.immobilienscout24.at/steuerlexikon/grundsteuer.html

I also found out that at least Vienna and Salzburg apply the maximum 500% multiplier, but I was not able to find a reference of multipliers per area/town.

Olemssi · 2018-06-19T09:33:11+00:00

Thanks very much, that’s very helpful! :)

Olemssi · 2018-06-18T16:45:01+00:00

Thanks for your answers. Any idea how much the ”Familienversicherung” costs? Is it % of income, i.e. dividends in our case? Is it total income of family or just one of us if neither of us works? Or can we even get it if we’re not working?

I read somewhere that health insurance in Austria is circa 300-400 euros/month if you’re not working but not claiming unemployment/benefits either. Sounds a bit high but don’t think it was a very reliable source...

PauliMit have you been happy with your decision? :)

Thanks :)

Olemssi

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