{"id":78667,"date":"2023-12-05T16:32:58","date_gmt":"2023-12-05T15:32:58","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=78667"},"modified":"2026-03-10T16:52:04","modified_gmt":"2026-03-10T15:52:04","slug":"ge-bort-ett-sparande-i-julklapp","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/ge-bort-ett-sparande-i-julklapp\/","title":{"rendered":"S\u00e5 ger du bort ett sparande i julklapp"},"content":{"rendered":"\n

Slut p\u00e5 id\u00e9er om vad julklappen till barnet eller barnbarnet ska inneh\u00e5lla? Varf\u00f6r inte l\u00e4gga ett sparande under granen. S\u00e5 h\u00e4r g\u00f6r du p\u00e5 b\u00e4sta s\u00e4tt.<\/strong><\/p>\n\n\n\n

Att ge bort ett sparande i julklapp kan b\u00e5de l\u00e4gga grunden till ett v\u00e4lbeh\u00f6vligt startkapital i livet, och v\u00e4cka sparintresse hos mottagaren.<\/p>\n\n\n\n

Som vid alla beslut kring sparande \u00e4r sparhorisonten viktig. Tror man att mottagaren av presenten vill anv\u00e4nda pengarna om bara n\u00e5gra, s\u00e4g fem, \u00e5r? \u00c4r det ett slags grund till ett sparande? D\u00e5 kanske det \u00e4r en globalfond som passar b\u00e4st. Men kanske vill du ocks\u00e5 f\u00f6rs\u00f6ka skapa ett gryende intresse hos mottagaren av julklappen? D\u00e5 kan det vara l\u00e4ge att toppa med n\u00e5gra aktier<\/a>.<\/p>\n\n\n\n

Ge bort befintliga aktier<\/h2>\n\n\n\n

Du kan \u201df\u00f6ra \u00f6ver\u201d aktier fr\u00e5n ditt konto till barnets aktie- och fondkonto. Ingen skatt utl\u00f6ses eftersom det inte finns n\u00e5gon g\u00e5voskatt. Skicka en beg\u00e4ran om att du vill \u00f6verf\u00f6ra aktierna till en annan person till banken d\u00e4r du har aktierna. Det h\u00e4r kan du ibland g\u00f6ra i \u201dinloggat l\u00e4ge\u201d s\u00e5 att banken kan identifiera dig och d\u00e4r du f\u00e5r uppge namn p\u00e5 aktien, antal aktien och mottagande persons dep\u00e5nummer och namn. Mottagaren \u00f6vertar ditt genomsnittliga anskaffningsv\u00e4rde f\u00f6r aktierna.<\/p>\n\n\n\n

F\u00f6ra \u00f6ver via aktie- och fondkonto<\/strong><\/p>\n\n\n\n

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

    \u00c4r barnet eller barnbarnet under 18 \u00e5r m\u00e5ste en v\u00e5rdnadshavare \u00f6ppna kontot. \u00c4r du moster eller farbror s\u00e5 f\u00e5r du antingen be v\u00e5rdnadshavarna \u00f6ppna kontot i barnets namn eller i f\u00f6r\u00e4lderns namn. \u00d6ppnas kontot i barnets namn har f\u00f6r\u00e4ldrarna f\u00f6rfogande \u00f6ver kontot tills barnets 18-\u00e5rsdag. Kanske finns redan ett konto? H\u00f6r med v\u00e5rdnadshavarna.<\/p>\n\n\n\n

    Det g\u00e5r inte att f\u00f6ra \u00f6ver aktier mellan kapitalf\u00f6rs\u00e4kringar, inte ens om de \u00e4r inom samma bank. Men det g\u00e5r att f\u00f6ra \u00f6ver v\u00e4rdepapper mellan ISK<\/a>.<\/p>\n\n\n\n

    Flytta mellan ISK<\/strong><\/p>\n\n\n\n

    Flytten kommer att r\u00e4knas som en ins\u00e4ttning f\u00f6r mottagaren och d\u00e4rmed schablonbeskattas. S\u00e5 h\u00e4r g\u00f6r du.<\/p>\n\n\n\n

      \n
    1. B\u00e5de du och mottagaren m\u00e5sta ha ISK hos Nordnet.<\/li>\n\n\n\n
    2. Du k\u00f6per sj\u00e4lv aktien\/fonden du gill ge i present p\u00e5 ditt eget ISK.<\/li>\n\n\n\n
    3. Fyll idet h\u00e4r formul\u00e4ret<\/a>d\u00e4r du anger kontonummret f\u00f6r mottagarens ISK.<\/li>\n\n\n\n
    4. Klart!<\/li>\n<\/ol>\n\n\n\n

      T\u00e4nk p\u00e5 vilken skatteeffekt som kommer att m\u00f6ta mottagaren n\u00e4r det \u00e4r dags att anv\u00e4nda pengarna. Har du lagt dem i ISK eller KF \u00e4r de ju redan skattade och klara, medan vinstskatt utg\u00e5r fr\u00e5n vanligt aktie- och fondkonto.<\/p>\n\n\n\n

      Ge bort nya aktier<\/h2>\n\n\n\n

      Det allra enklaste om du vill k\u00f6pa nya v\u00e4rdepapper till julklappsmottagaren \u00e4r att helt enkelt \u00f6ppna en kapitalf\u00f6rs\u00e4kring<\/a> i ditt namn med barnet som f\u00f6rm\u00e5nstagare, d\u00e4r du k\u00f6per de aktier du vill ge bort. D\u00e5 har du full kontroll \u00f6ver f\u00f6rvaltningen och kan dessutom se till att det finns likvider p\u00e5 kontot f\u00f6r den schablonskatt som dras \u00e5rligen. Se till att du \u00f6ppnar en kapitalf\u00f6rs\u00e4kring utan skalavgift. Risken \u00e4r annars att skalavgiften ligger och tickar och \u00e4ter p\u00e5 kapitalet.<\/p>\n\n\n\n

      Du kan f\u00f6rst\u00e5s ocks\u00e5 \u00f6ppna ISK eller kapitalf\u00f6rs\u00e4kring i barnets namn. D\u00e5 kr\u00e4vs b\u00e5da v\u00e5rdnadshavarnas godk\u00e4nnande. Viktigt att k\u00e4nna till \u00e4r att barnet automatiskt f\u00e5r tillg\u00e5ng till pengarna n\u00e4r hon eller han fyller 18 \u00e5r. Det beh\u00f6ver inte vara n\u00e5gon nackdel, men kan vara det. Vill du vara s\u00e4ker p\u00e5 att pengarna g\u00e5r till r\u00e4tt saker vid r\u00e4tt tidpunkt \u00e4r en kapitalf\u00f6rs\u00e4kring b\u00e4ttre.<\/p>\n\n\n\n

      \u00c4r du sj\u00e4lv inte v\u00e5rdnadshavare och inte sj\u00e4lv vill vara f\u00f6rs\u00e4kringstagare kan ett alternativ vara att be till exempel f\u00f6r\u00e4ldrarna till mottagaren starta en kapitalf\u00f6rs\u00e4kring och g\u00f6ra den barnet till f\u00f6rm\u00e5nstagare.<\/p>\n\n\n\n

      Inspirera till sparintresse<\/h2>\n\n\n\n

      Indexfonder<\/a> fungerar alltid som en bra grund till ett effektivt sparande. Men kanske vill du g\u00f6ra julklappen mer personlig, kanske ocks\u00e5 med syftet att inspirera till ett \u00f6kat intresse? Fundera \u00f6ver vad barnet \u00e4r intresserad av. Ibland kan det r\u00e4cka med att det \u00e4r aktier i stora f\u00f6retag och varum\u00e4rken som barnet k\u00e4nner till f\u00f6r att ett intresse ska skapas. Kanske finns det n\u00e5gon s\u00e4rskilt sektor eller bransch som barnet redan har ett intresse f\u00f6r?<\/p>\n","protected":false},"excerpt":{"rendered":"

      Slut p\u00e5 id\u00e9er om vad julklappen till barnet eller barnbarnet ska inneh\u00e5lla? Varf\u00f6r inte l\u00e4gga ett sparande under granen. S\u00e5 h\u00e4r g\u00f6r du p\u00e5 b\u00e4sta s\u00e4tt. Att ge bort ett sparande i julklapp kan b\u00e5de l\u00e4gga grunden till ett v\u00e4lbeh\u00f6vligt startkapital i livet, och v\u00e4cka sparintresse hos mottagaren. Som vid alla beslut kring sparande \u00e4r […]<\/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":[],"class_list":["post-78667","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida1-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/frida1-620x222.png 620w, 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