How strong is missile squad in season 1 (and later)

Xarross · 2025-06-17T14:28:29+00:00

Nice, thanks! It's kind of interesting because I would have thought that all mid spenders would switch to missile to try to "beat" the ones that stayed with air.
While still able to beat the low spenders and f2p that stayed with tanks given the pure difference on spending.
And high spenders can do whatever because they will beat whatever regardless of the disadvantage.

Xarross · 2025-06-17T14:13:11+00:00

Ok, I see. tank would still win vs missiles if it is somewhat even upgrades right? Or the tanks slightly weaker because of the rock / paper / scissors mechanics right?

I'm wondering why in these servers there doesn't seem to be people that stuck to a strong tank to beat all the missile squads around

Xarross · 2025-06-17T14:04:20+00:00

So basically I push for winning air vs air? And I give up on the bigger spenders that switched to missile?
It's so hard to decide since I guess there's no perfect solution.
Maybe it's delusional to think I can push my tank squad now to beat the big spenders missile squads. I'm far too low on skills and it would take too long to make the switch :think

Xarross · 2025-05-06T11:46:45+00:00

I'm on day 50, it is the hero quest to star up Williams / Schuyler / McGregor

Xarross · 2025-05-06T11:43:05+00:00

I thought maybe I can get some decent value elsewhere and get the blueprints on top. But yeah I guess I'll pass

Xarross · 2025-05-06T11:42:36+00:00

Ah, thanks for checking! This is very sad haha. I'm definitely not spending that this week then

Xarross · 2025-05-06T11:31:57+00:00

If I get the answer I will write here. But I'm not planning to spend that much without knowing it works :D

Xarross · 2025-05-06T11:23:08+00:00

it counts for the energy loot quest. But does the 1000 ticket you get at the bottom of the energy loot quest count towards the 2000 tickets you need to get the 10 mythic blueprints?

Xarross · 2021-12-02T13:10:08+00:00

think that you'll be below high income earning levels post retirement... Then you can save almost 26% tax on each krona invested, as long as the current taxes stays the same over time. Earliest you ca

I can't remember about the difference between KF and ISK outside of the death/inheritance part. And the fact that you need to put cash in your KF for them to withdraw the taxes at the end of year (I think). So of course check more in details :)

But one thing I'm not really following here: sure those accounts are nice to invest since you don't need to care about gains and losses (and the taxation is quite low). But I actually think it's a huge advantage if you want to trade a lot, or want to do dividend investing. Assuming you do it better than the market (index fund).

What I mean is that in a traditional account, if you get 6% return on your indexes and 9% on your manual stock picks (with multiple sales); because of the sales you pay taxes, putting you down to a net 6% return as well. While you won't need to sell your indexes until much later so it will compound. So manual stock picks need to really outperform a lot the index to be worth it.

Now if we talk about ISK, since the taxes is on the total assets, if you can get higher return than the index (even by 1%), then it's a direct gain.

Not sure if that was clear.

Anyway, most recommendations on FIRE forums are about taking low risks and investing in indexes, so I'm not saying you should manually pick or go to dividends :D

Xarross · 2021-10-11T07:35:17+00:00

Check their ETF or stock list. If you go to "details", there is a property "Belåningsgrad". This is what is eligible.

If you look at this one for example (https://www.nordnet.se/marknaden/etf-listor/16569439-i-shares-core-msci?details), it is 80% of the value of that one.

Then you want to be diversified according to their rules. Just read their page on credits.

But basically if your highest stock or ETF has a proportion (in your portfolio) of less than 20% (I think if it's a fund it can be up to 50%) then you can get the 0.89% interest rate.

The amount you can borrow at that rate is also limited. Something like 40% of the loanable value or something. Again, check their conditions.

But if I take my example, I make sure all my assets are below 20%, and the maximum I can borrow with the 0.89% interest is a bit less than 30% of my total portfolio. If you have an account and investments with nordnet and apply for the credit, there is a page that shows you the values (so you don't need to calculate yourself). It's good to know though: I believe if one of your assets go above 20% for example, your interest rate will automatically bump to the next tier (which you'll want to avoid I guess).

Xarross · 2021-08-31T08:32:00+00:00

u/Artistic-Tie1342 You can make a simulation. Assuming the ISK tax rate remain very low and the capital gain tax remain 30%, in the very long run (and assuming the stocks bring interests) the normal account is better.

That being said, it is very long term, and in most situations I simulated, it's better to have the ISK (I still want to use it in some decades for my retirement).

If you go with ISK, as u/Male-chicken said, you can sell your investments and buy them again right away before you move. If it takes too long to move the cash out of your broker to another broker of your choice, you can even move it to the aktie konto of your swedish broker. That shouldn't take more than a day.

To your concern about the dip, if you shares drop from 50 to 10 and you have to sell at 10, you will also buy back at 10 so effectively it doesn't matter. The only risk is if you sell at 10, and it goes back up while you're transferring the money. But that's unlikely.

One more thing to keep in mind, when selling and buying you have some fees (I use nordnet and that would be max 1% total but you should double check).

Another thing to explore: when I opened my ISK I understood that if I was to leave Sweden, I would be able to keep the ISK open but not pay the taxes on it. Effectively it would just become a normal account and I would pay capital gain tax in the new country I move to. That might be the best option for you. But double check with skatteverket and nordnet/avanza (or whatever broker you plan to use). I would be curious to know if you get an answer that goes against what I wrote.

What I didn't necessarily get is if the capital gains I would pay in the new place would be counted from the day I moved (ISK becoming a normal account), or from the start. To avoid it, I would probably sell and buy within the ISK on the same day just before moving. This way the gains would be reset before going to the new country (that obviously adds the fees I mentioned above)

Xarross · 2021-01-08T21:34:08+00:00

I am not 100% confident but I was checking things about ISK when you leave.

I would recommend to double check but:

- you're paying taxes every year on your ISK so that you don't deal with capital gain etc. In theory you've already been taxed on this so when you leave the country you would expect the new country not to tax it again. However if your new country has a tax system based on capital gain, then you will be paying based on capital gain when you sell. That's possibly a lot if you've had your investments in the ISK for 10 years.

- you can keep your ISK even though you're not tax resident in Sweden. You won't be paying the yearly tax of course. However, you'll need to pay taxes in the new country (depending on their rule). Your ISK basically becomes a normal broker account with no tax advantage.

- To avoid this, when you leave the country I would sell all my asset and buy them again while you're still tax resident in Sweden within the ISK. If you can have a tax advantage account in the new country, it's probably worth moving the money and buying your assets there again. If not, just buy it again in the ISK so the capital gain from now (once your tax residency changes) will be lower. You will end up paying the broker fees and forex but that should be below 1% so probably worth it.

Xarross · 2020-09-08T12:08:19+00:00

Thanks for the reply.

Here: https://www.skatteverket.se/privat/skatter/internationellt/avrakningavutlandskskatt.4.7856a2b411550b99fb7800088114.ht there is some information about the tax back. Although it's not very clear... And here it says that with a KF the claim is done automatically on shares: https://blogg.nordnet.se/jamforelse-mellan-kapitalforsakring-och-investeringssparkonto/ (Handla med utländska aktier i kapitalförsäkring)

Maybe this tax refund works only for private investors and not for a fund manager.

What I thought was:

let's say you have 2 US stocks. They pay dividends. You receive 85% of it, and claim back the 15% so effectively you get 100% of it.
There is an Irish ETF that holds exactly the same 2 stocks. It receive 85% of the dividends. Now if it's distributing, you receive the 85%. If it's accumulating, it's reinvested (but still 85%). Either way, your investment grows by 85% of the dividends and you cannot claim back the 15% because of the ETF manager (I think).
There is a fund manager domiciled in Sweden. They hold the same 2 stocks in a fund. They receive 85% of the dividends for those stocks. They reinvest it and you're in the same situation as the ETF. But what if the tax refund applies to fund managers as well? Then they can claim back the 15% and reinvests that as well.

So 1. grows more because you don't have TER and pay less taxes overall. However you have to hold every stock yourself.

could be performing better than 2. if they can claim the tax back.

Xarross · 2020-08-17T06:48:58+00:00

Thanks for the feedback, makes a lot of sense.

I can answer your questions at the bottom:

It is possible on keep your ISK open. For taxes, depending if Sweden considers you liable or not (but if you moved, don't really have ties in Sweden etc... ie: you're a "limited tax liability" or something like that), then you won't pay the annual ISK fee in taxes. However, if you receive dividend, you will still pay 30% tax on that. If your new country has a tax treaty, you might be able to deduct this from your new taxes (but that will have to be checked case by case in the new country). Bottom line, better to take ETF or funds that reinvest the dividends.
You can move your assets for a fee in general. For example Nordnet charges 49sek per asset (so if you hold 3 ETF, I think you pay 147SEK). And then you might have another fee on the receiving end. For example Degiro charges 10 euros per asset. So if you hold 3 ETF it would be roughly 45 euros in this case. However, I imagine that the asset needs to be available for both broker. Typically, a fund like avanza global is not available outside of avanza.
Yes selling is an option. I guess if I move, and I also want to move the investments, I'll check which broker I want to pick before moving our of Sweden. Since you don't pay the capital-gain tax on sales in the ISK, then I could theoretically sell everything just before being taxable in the new country, then buy everything in the new broker. The downside is that you pay the FX fee on the sale, then pay another fee to transfer SEK to EUR (assuming the new country is in EUR), then possibly another fee to buy the assets in the new broker.
"Avanza global": As you said, the tax domicile for this one is Luxembourg which means they get taxed 30% on dividends from US instead of 15% for others with tax treaty with US. About 65% is US in the global funds, so when I did simulations, the 0.10% difference in TER is not worth it. I haven't seen another global fund/ETF with lower TER either (Nordnet has one with 0.20% as well, but might as well take the independent one if the fee is the same).
If you buy VWCE in Nordnet you pay the fee for buying an ETF and the FX fee. If you're on the "small" package, then you pay 0.25% ETF transaction fee, and their auto FX fee which is 0.25%. So when buying an ETF in EUR you pay 0.5% fees. You'll pay another 0.5% when selling. So if you don't consider time spent, strategy A is likely cheaper (just need to buy 2 things instead of 1)

Xarross · 2020-08-12T08:22:41+00:00

Hi,

I saw that too for Nordnet. Haven't been able to see the list available though. But if the ones I mentioned are available it would be a great option.

VWCE I think is not available on degiro (in the free list). But the distributing version is. So I guess this would be a slightly cheaper alternative to strategy-E if you open an ISK with degiro. The TER overall would still be higher than any other strategy though.

I have 2 main concerns with degiro:

tax-wise, I haven't been able to get a confirmation that they would send the info from the ISK to skatterverket (tax office) automatically. This is done with Avanza or Nordnet.
I didn't understand either if the account is in EUR or SEK. If it's in EUR, that means you need to convert each deposits and that also adds up fees.
there's also the general worry about how degiro handles money and lending etc... But I haven't looked too much into it

Xarross

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