{"id":76246,"date":"2023-05-24T11:45:02","date_gmt":"2023-05-24T09:45:02","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=76246"},"modified":"2026-03-10T16:50:05","modified_gmt":"2026-03-10T15:50:05","slug":"ge-bort-ett-sparande-sa-gor-du","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/ge-bort-ett-sparande-sa-gor-du\/","title":{"rendered":"Ge bort ett sparande – s\u00e5 g\u00f6r du!"},"content":{"rendered":"\n

Du vill ge bort ett sparande i examenspresent, studentpresent eller kanske f\u00f6delsedagspresent, men hur ska du g\u00f6ra? H\u00e4r kommer en snabb guide som visar hur det g\u00e5r till.<\/p>\n\n\n\n

S\u00e4tta in pengarna<\/strong><\/h3>\n\n\n\n

\u00d6ppna ett konto \u00e5t mottagaren p\u00e5 Nordnet (om han eller hon inte redan har det) och s\u00e4tt sedan in den summa du vill ge bort. D\u00e5 kan mottagaren sj\u00e4lv k\u00f6pa aktier och fonder f\u00f6r pengarna. Otroligt enkelt men presenten blir pengar och inte en aktie eller fond (det f\u00e5r mottagaren k\u00f6pa sj\u00e4lv).<\/p>\n\n\n\n

Flytta via ISK<\/strong><\/h3>\n\n\n\n

H\u00e4r kan du ge bort aktier och fonder snabbt och smidigt. Flytten kommer att r\u00e4knas som en ins\u00e4ttning f\u00f6r mottagaren och d\u00e4rmed schablonbeskattas. Det \u00e4r f\u00f6rvisso en liten skatt men n\u00e5got du och mottagaren beh\u00f6ver k\u00e4nna till. S\u00e5h\u00e4r g\u00f6r du:<\/p>\n\n\n\n

  1. B\u00e5de du och mottagaren m\u00e5sta ha varsitt ISK hos Nordnet, har ni inte redan det g\u00e5r det smidigt att ordna<\/li>
  2. Du k\u00f6per sj\u00e4lv aktien\/fonden du gill ge i present p\u00e5 ditt eget ISK<\/li>
  3. Fyll i det h\u00e4r formul\u00e4ret<\/a> d\u00e4r du anger kontonummret f\u00f6r mottagarens ISK<\/li>
  4. Klar!<\/li><\/ol>\n\n\n\n

    Flytta via aktie- och fondkonto<\/strong><\/h3>\n\n\n\n

    Det g\u00e5r snabbt och smidigt att ge bort b\u00e5de aktier och fonder om man v\u00e4ljer att flytta genom sitt vanliga aktie- och fondkonto. Ingen extra skatt eller kostnad uppst\u00e5r och anskaffningsv\u00e4rdet f\u00f6rs vidare till mottagaren.<\/p>\n\n\n\n

    1. B\u00e5de du och mottagaren m\u00e5sta ha ett varsitt aktie- och fondkonto p\u00e5 Nordnet, har ni inte det g\u00e5r det smidigt att ordna<\/li>
    2. Du k\u00f6per sj\u00e4lv aktien\/fonden du gill ge i present p\u00e5 ditt eget aktie- och fondkonto<\/li>
    3. Fyll i det h\u00e4r formul\u00e4ret<\/a> d\u00e4r du anger kontonummer f\u00f6r mottagarens aktie- och fondkonto<\/li>
    4. Klar!<\/li><\/ol>\n\n\n\n

      Flytta via kapitalf\u00f6rs\u00e4kring<\/strong><\/h3>\n\n\n\n

      Du kan inte flytta aktier och fondet via kapitalf\u00f6rs\u00e4kring.<\/p>\n\n\n\n

      Barnspar <\/strong>i barnets namn<\/h3>\n\n\n\n

      Du kan \u00f6ppna ett ISK eller kapitalf\u00f6rs\u00e4kring direkt i ditt barns namn. Notera dock att barnet f\u00e5r tillg\u00e5ng till sparandet direkt p\u00e5 18-\u00e5rsdagen. N\u00e4r du v\u00e4l \u00f6ppnat kontot kan du k\u00f6pa vilka aktier och fonder du vill till barnet. F\u00f6r att \u00f6ppna ett barnspar direkt i barnens namn kr\u00e4vs godk\u00e4nnande fr\u00e5n barnets samliga v\u00e5rdnadshavare.<\/p>\n\n\n\n

      1. \u00d6ppna barnspar p\u00e5 ISK h\u00e4r<\/a><\/li>
      2. \u00d6ppna barnspar i kapitalf\u00f6rs\u00e4kring h\u00e4r<\/a><\/li><\/ol>\n\n\n\n

        Barnspar d\u00e4r du har kontroll \u00f6ver pengarna<\/strong><\/h3>\n\n\n\n

        Du \u00f6ppnar en kapitalf\u00f6rs\u00e4kring och anger personen du vill ge present till som f\u00f6rm\u00e5nstagare. Detta ger dig full kontroll \u00f6ver pengarna och det \u00e4r du som best\u00e4mmer n\u00e4r det \u00e4r dags f\u00f6r barnet i fr\u00e5ga att f\u00e5 tillg\u00e5ng till dem – vid 18-\u00e5rsdagen eller senare. Skulle du g\u00e5 bort s\u00e4ljs f\u00f6rs\u00e4kringen av och f\u00f6rs\u00e4kringens v\u00e4rde betalas ut direkt till f\u00f6rm\u00e5nstagare och inte till d\u00f6dsboet. Du kan \u00e4ven, n\u00e4r som helst, \u00f6verl\u00e5ta kapitalf\u00f6rs\u00e4kringen till mottagaren. Observera att en \u00f6verl\u00e5telse inte \u00e4ndrar vem som \u00e4r f\u00f6rs\u00e4krad. Om du g\u00e5r bort kommer hela f\u00f6rs\u00e4kringen s\u00e4ljas av och betalas ut, \u00e4ven om den \u00e4r \u00f6verl\u00e5ten.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Du vill ge bort ett sparande i examenspresent, studentpresent eller kanske f\u00f6delsedagspresent, men hur ska du g\u00f6ra? H\u00e4r kommer en snabb guide som visar hur det g\u00e5r till. S\u00e4tta in pengarna \u00d6ppna ett konto \u00e5t mottagaren p\u00e5 Nordnet (om han eller hon inte redan har det) och s\u00e4tt sedan in den summa du vill ge […]<\/p>\n","protected":false},"author":68573,"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":[],"class_list":["post-76246","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/02\/1200x628_ara-150x79.png","width":150,"height":79,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/02\/1200x628_ara-150x79.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/02\/1200x628_ara-620x324.png 620w, 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