{"id":33414,"date":"2019-03-12T08:46:30","date_gmt":"2019-03-12T07:46:30","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=33414"},"modified":"2026-03-10T16:59:12","modified_gmt":"2026-03-10T15:59:12","slug":"sa-undviker-du-missarna-i-deklarationen","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sa-undviker-du-missarna-i-deklarationen\/","title":{"rendered":"S\u00e5 undviker du missarna i deklarationen"},"content":{"rendered":"\n

Det \u00e4r deklarationstider och det omr\u00e5de d\u00e4r vi l\u00e4ttast f\u00f6r\nfel \u00e4r tyv\u00e4rr n\u00e4r vi ska deklarera v\u00e5rt sparande. Det \u00e4r inte konstigt, metoden\nmed att ber\u00e4kna aktiernas ink\u00f6pspris \u00e4r kr\u00e5nglig. S\u00e5 h\u00e4r g\u00f6r du f\u00f6r att undvika\nmissar \u2013 som faktiskt kan kosta mer f\u00f6r dig \u00e4n f\u00f6r Skatteverket. <\/p>\n\n\n\n

Relativt l\u00e5g skatt, visst, men det finns flera anledningar\ntill att investeringssparkontot, ISK, blivit s\u00e5 popul\u00e4rt. En av dem \u00e4r att deklarationskr\u00e5ngel\nundviks. Ska du redovisa f\u00f6rs\u00e4ljning av fonder \u00e4r det hela snabbt och enkelt\ngjort. V\u00e4rre \u00e4r det f\u00f6r den som ska deklarera en aktief\u00f6rs\u00e4ljning, gjord fr\u00e5n\nvanlig dep\u00e5.<\/p>\n\n\n\n

Stickprovskontroller som Skatteverket gjorde f\u00f6rra \u00e5ret visar att det blir fel i \u00f6ver h\u00e4lften av de deklarationer d\u00e4r aktief\u00f6rs\u00e4ljning redovisas. Och ibland resulterar felen faktiskt att du betalar mer skatt \u00e4n n\u00f6dv\u00e4ndigt. <\/p>\n\n\n\n

Nedan g\u00e5r vi igenom grundprinciperna f\u00f6r hur du deklarerar ditt sparande. Genomg\u00e5ngen g\u00e4ller f\u00f6r vanlig dep\u00e5, n\u00e4r inget annat n\u00e4mns. <\/p>\n\n\n\n

1. Deklarera digitalt<\/h2>\n\n\n\n

Du ska deklarera p\u00e5 bilaga K4,\noch absolut enklast \u00e4r att g\u00f6ra det digitalt med e-legitimation p\u00e5\nSkatteverkets hemsida. D\u00e5 f\u00e5r du automatiskt upp v\u00e4rdepapprets namn, antal\ns\u00e5lda och din ers\u00e4ttning f\u00f6r f\u00f6rs\u00e4ljningen. Det du sj\u00e4lv m\u00e5ste r\u00e4kna ut \u00e4r vad\ndu betalade f\u00f6r aktierna, det s\u00e5 kallade omkostnadsbeloppet. Fyll i det n\u00e4mnda\nhj\u00e4lpformul\u00e4ret p\u00e5 Skatteverkets hemsida.<\/p>\n\n\n\n

Nordnet har ett deklarationsprogram som ocks\u00e5 hj\u00e4lper dig att st\u00e4lla upp alla transaktioner och r\u00e4kna ut vinster och f\u00f6rluster i K4. <\/p>\n\n\n\n

2. V\u00e4lj f\u00f6rdelaktig metod<\/h2>\n\n\n\n

Omkostnadsbeloppet kan du r\u00e4kna\nut p\u00e5 tv\u00e5 s\u00e4tt. Det enklaste \u00e4r schablonmetoden, d\u00e4r du s\u00e4tter ink\u00f6pspriset\ntill 20 procent av f\u00f6rs\u00e4ljningspriset. Det \u00e4r en metod som \u00e4r bra om du gl\u00f6mt\nvad du k\u00f6pte aktierna f\u00f6r. Men vet du vad du k\u00f6pte aktierna f\u00f6r och har inte\n\u00e4gt dem s\u00e4rskilt l\u00e4nge? D\u00e5 \u00e4r sannolikt den lite mer komplicerade\ngenomsnittsmetoder mer f\u00f6rdelaktig. <\/p>\n\n\n\n

D\u00e5 tittar du p\u00e5 det sammanlagda\nbeloppet du k\u00f6pt aktier f\u00f6r vid varje ink\u00f6pstillf\u00e4lle. Sedan dividerar du den\nsumman med antalet aktier. D\u00e5 f\u00e5r du ut ett genomsnittligt anskaffningsv\u00e4rde. <\/p>\n\n\n\n

Hos Nordnet kan du anv\u00e4nda dig av din portf\u00f6ljrapport f\u00f6r att se vad du k\u00f6pte aktierna f\u00f6r. V\u00e4lj en specifik dag s\u00e5 ser du exakt vilka aktier du \u00e4gde den dagen och vilken kurs du k\u00f6pte dem till. Du kan ocks\u00e5 anv\u00e4nda redovisningen av dina transaktioner och notor som finns under Min Dep\u00e5.<\/p>\n\n\n\n

3. Kolla aktieh\u00e4ndelser<\/h2>\n\n\n\n

Att r\u00e4kna ut omkostnadsbeloppet blir som sagt \u00e4n kr\u00e5ngligare om emissioner, splittar eller annat genomf\u00f6rts under tiden du \u00e4gt aktierna. Ta Skatteverket till hj\u00e4lp och titta under fliken Aktiehistorik<\/a>. <\/p>\n\n\n\n

Utdelning av aktier beskattas exempelvis som vanlig kontant utdelning. Utdelningens v\u00e4rde \u00e4r lika med aktiens v\u00e4rde n\u00e4r du fick den av bolaget, och skatten \u00e4r 30 procent. Och en inl\u00f6sen ska ses som en f\u00f6rs\u00e4ljning, och det du fick i betalning \u00e4r aktiens f\u00f6rs\u00e4ljningspris. Nordnet och andra banker l\u00e4mnar kontrolluppgift vad du f\u00e5tt i ers\u00e4ttning. Ocks\u00e5 h\u00e4r m\u00e5ste du r\u00e4kna ut anskaffningskostnaden f\u00f6r de inl\u00f6sta aktierna. Skatteverket ger ut allm\u00e4nna r\u00e5d om hur du ska deklarera vissa aktieh\u00e4ndelser, som du hittar p\u00e5 myndighetens webbplats. Du hittar exempelvis v\u00e4gledning om hur du ska deklarera anskaffningsutgiften i Com Hem\/Tele2-aff\u00e4ren h\u00e4r<\/a>.<\/p>\n\n\n\n

4. Teckningsr\u00e4tter du inte beh\u00f6ver deklarera p\u00e5 K4<\/h2>\n\n\n\n

En f\u00f6rs\u00e4ljning av en teckningsr\u00e4tt beskattas, men det pris du anses ha \u201dk\u00f6pt\u201d r\u00e4tter f\u00f6r \u00e4r noll. D\u00e4rf\u00f6r blir hela f\u00f6rs\u00e4ljningssumman en vinst, och du beh\u00f6ver enligt Skatteverket inte deklarera detta p\u00e5 K4-blanketten. Exempel p\u00e5 bolag d\u00e4r du inte beh\u00f6ver deklarera f\u00f6rs\u00e4ljningen av teckningsr\u00e4tterna \u00e4r Endomines, Enquest, Karo Pharma, Mekonomen, Odd Molly, Saab, Starbreeze med flera. Kolla hela listan h\u00e4r<\/a>.<\/p>\n\n\n\n

5. Kvitta vinst mot f\u00f6rlust<\/h2>\n\n\n\n

En f\u00f6rdel med att \u00e4ga aktier via\nvanlig dep\u00e5 \u00e4r f\u00f6rst\u00e5s att du kan dra av vinst mot f\u00f6rlust rakt av. Det h\u00e4r g\u00f6r\nSkatteverket \u00e5t dig automatiskt n\u00e4r det g\u00e4ller fonder, eftersom Nordnet (och\nalla andra banker) l\u00e4mnat kontrolluppgifter till myndigheten. En aktievinst\nd\u00e4remot m\u00e5ste du sj\u00e4lv kvitta av. Har du exempelvis en aktievinst p\u00e5\n20000 kronor och en aktief\u00f6rlust p\u00e5 10000 kronor s\u00e5 kan du dra av\n10000 kronor fr\u00e5n vinsten. D\u00e5 blir skatten 3000 kronor, ist\u00e4llet\nf\u00f6r 6000 kronor. <\/p>\n\n\n\n

Du kan inte g\u00f6ra detta om du har dina v\u00e4rdepapper p\u00e5 ISK eller kapitalf\u00f6rs\u00e4kring.<\/p>\n\n\n\n

6. Kvitta mot bostaden<\/h2>\n\n\n\n

Kanske har du en aktievinst men s\u00e5lde bostaden med f\u00f6rlust\nunder f\u00f6rra \u00e5ret? Eller har du en aktief\u00f6rlust, vilket m\u00f6jligen \u00e4r mer troligt\nmed tanke p\u00e5 den trista utvecklingen under 2018, och en gammal uppskjuten\nbostadsvinst som du varje \u00e5r m\u00e5ste betala uppskovsr\u00e4nta p\u00e5? Det har talats om\nf\u00f6r\u00e4ndringar vad g\u00e4ller just uppskovsr\u00e4ntan, eller skatten som det egentligen\n\u00e4r, men \u00e4n vet vi inget konkret kring det. Du kan hur som helst kvitta\naktief\u00f6rlust mot bostadsvinst till 70 procent. <\/p>\n\n\n\n

L\u00e4gsta belopp att skatta av fr\u00e5n bostadsvinsten \u00e4r\n20000 kronor. Har du en aktief\u00f6rlust p\u00e5 10000 kronor s\u00e5 kan vi dra\nav den till 70 procent. Det ger en skatt p\u00e5 2300 kronor, i st\u00e4llet f\u00f6r\n4400 kronor.<\/p>\n\n\n\n

Du kan inte g\u00f6ra detta om du har dina v\u00e4rdepapper p\u00e5 ISK eller i en kapitalf\u00f6rs\u00e4kring.<\/p>\n\n\n\n

7. Kvitta schablonint\u00e4kt<\/h2>\n\n\n\n

Allt ovan g\u00e4ller om du har aktier p\u00e5 vanligt fond- eller\naktiekonto. Har du aktier eller fonder p\u00e5 ISK eller kapitalf\u00f6rs\u00e4kring kan du\ninte kvitta vinster och f\u00f6rluster mot varandra. Men du kan kvitta bort den\nschablonint\u00e4kt du ska ta upp f\u00f6r beskattning. Schablonint\u00e4kten \u00e4r f\u00f6r\ninkomst\u00e5ret 2018 1,49 procent, vilket du allts\u00e5 ska multiplicera med\nkapitalunderlaget. Kapitalunderlaget f\u00e5r du fram genom att l\u00e4gga ihop\ntillg\u00e5ngarna p\u00e5 kontot vid ing\u00e5ngen av varje kvartalet med summan av alla\nins\u00e4ttningar, och sedan dividera detta med fyra. Skatten \u00e4r sedan 30 procent av\nschablonint\u00e4kten. Men har du haft r\u00e4nteutgifter som \u00f6verstiger summan av\nschablonint\u00e4kten kan du kvitta bort skatten, och det g\u00f6rs automatiskt. <\/p>\n\n\n\n

Lycka till med din deklaration! Och gl\u00f6m inte att utnyttja\nvanliga avdrag, som exempelvis f\u00f6r uthyrning av bostad eller resor.\nDeklarationen \u00f6ppnar den 19 mars och den ska vara inskickad senast den 2 maj. <\/p>\n","protected":false},"excerpt":{"rendered":"

Det \u00e4r deklarationstider och det omr\u00e5de d\u00e4r vi l\u00e4ttast f\u00f6r fel \u00e4r tyv\u00e4rr n\u00e4r vi ska deklarera v\u00e5rt sparande. Det \u00e4r inte konstigt, metoden med att ber\u00e4kna aktiernas ink\u00f6pspris \u00e4r kr\u00e5nglig. S\u00e5 h\u00e4r g\u00f6r du f\u00f6r att undvika missar \u2013 som faktiskt kan kosta mer f\u00f6r dig \u00e4n f\u00f6r Skatteverket. Relativt l\u00e5g skatt, visst, men […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4053],"tags":[72],"class_list":["post-33414","post","type-post","status-publish","format-standard","hentry","category-privatekonomi","tag-fonder"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/02\/Frida2-150x58.jpg","width":150,"height":58,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/02\/Frida2-150x58.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/02\/Frida2-620x240.jpg 620w, 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