{"id":84,"date":"2024-11-08T21:37:10","date_gmt":"2024-11-08T20:37:10","guid":{"rendered":"https:\/\/www.optimerapensionen.se\/?p=84"},"modified":"2024-11-08T21:37:11","modified_gmt":"2024-11-08T20:37:11","slug":"sa-maximerar-du-skattefritt-sparande-i-isk-och-kf","status":"publish","type":"post","link":"https:\/\/www.optimerapensionen.se\/?p=84","title":{"rendered":"S\u00e5 maximerar du skattefritt sparande i ISK och KF"},"content":{"rendered":"\n<p>Fr\u00e5n och med 2025 kommer investeringssparkonton (ISK) och kapitalf\u00f6rs\u00e4kringar (KF) att vara <a href=\"https:\/\/www.regeringen.se\/pressmeddelanden\/2024\/09\/mer-pengar-i-planboken-for-hushallen\/\" target=\"_blank\" rel=\"noreferrer noopener\">skattefria upp till 150 000 kr<\/a> per person. \u00c5r 2026 h\u00f6js beloppet till 300 000 kr. Utifr\u00e5n beskattningen av ISK och KF 2024 p\u00e5 1,086 % s\u00e5 blir det en besparing p\u00e5 1 629 kronor.<\/p>\n\n\n\n<p>Eget l\u00e5ngsiktigt sparande i ISK eller KF \u00e4r ett bra komplement till den vanliga pensionen, och denna reform hj\u00e4lper fler att komma ig\u00e5ng med det.<\/p>\n\n\n\n<p>Beroende p\u00e5 familjesituation och f\u00f6rdelning av medel s\u00e5 kan de nya reglerna \u00e4ven ge en m\u00f6jlighet att f\u00e5 en st\u00f6rre summa sparande skattefritt genom att f\u00f6rdela ut det p\u00e5 fler familjemedlemmar.<\/p>\n\n\n\n<p>Om ni \u00e4r tv\u00e5 vuxna och 3 barn s\u00e5 blir det skattefria beloppet 750 000, om sparandet f\u00f6rdelas p\u00e5 samtliga familjemedlemmar. F\u00f6r 2026 blir det skattefria beloppet 1 500 000 ist\u00e4llet f\u00f6r 300 000 i exemplet ovan.<\/p>\n\n\n\n<p>Eftersom medel placerade i n\u00e5gons namn tillh\u00f6r den personen, b\u00f6r detta uppl\u00e4gg endast anv\u00e4ndas om medlen \u00e4nd\u00e5 \u00e4r avsedda att anv\u00e4ndas s\u00e5 i framtiden.<\/p>\n\n\n\n<p>En vanlig oro bland f\u00f6r\u00e4ldrar \u00e4r att deras barn inte ska vara mogna att hantera sparpengarna n\u00e4r de blir myndiga. Detta \u00e4r n\u00e5got som nu f\u00e5r v\u00e4gas mot m\u00f6jligheten att spara \u00e5t dem skattefritt. Oavsett \u00e4r det bra att b\u00f6rja l\u00e4ra barn om l\u00e5ngsiktigt sparande i god tid innan de fyller 18 \u00e5r.<\/p>\n\n\n\n<p>\u00c4ven om du sparar till barn i deras namn s\u00e5 har du kontroll \u00f6ver deras ISK fram tills de \u00e4r myndiga. V\u00e5rdnadshavare har s\u00e5klart r\u00e4tt att g\u00f6ra uttag f\u00f6r att byta sparform. Dock f\u00e5r pengarna endast anv\u00e4ndas f\u00f6r barnets r\u00e4kning.<\/p>\n\n\n\n<p>Kom ih\u00e5g att kommunens \u00f6verf\u00f6rmyndare f\u00e5r inflytande \u00f6ver barnets sparande om tillg\u00e5ngarna n\u00e5r en viss gr\u00e4ns, vilket \u00e4r \u00e5tta prisbasbelopp, motsvarande 458 400 kr \u00e5r 2024.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fr\u00e5n och med 2025 kommer investeringssparkonton (ISK) och kapitalf\u00f6rs\u00e4kringar (KF) att vara skattefria upp till 150 000 kr per person. \u00c5r 2026 h\u00f6js beloppet till 300 000 kr. Utifr\u00e5n beskattningen av ISK och KF 2024 p\u00e5 1,086 % s\u00e5 blir det en besparing p\u00e5 1 629 kronor. Eget l\u00e5ngsiktigt sparande i ISK eller KF \u00e4r [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[7,8,9],"class_list":["post-84","post","type-post","status-publish","format-standard","hentry","category-okategoriserade","tag-isk","tag-kf","tag-sparande"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>S\u00e5 maximerar du skattefritt sparande i ISK och KF - optimerapensionen.se<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.optimerapensionen.se\/?p=84\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00e5 maximerar du skattefritt sparande i ISK och KF - optimerapensionen.se\" \/>\n<meta property=\"og:description\" content=\"Fr\u00e5n och med 2025 kommer investeringssparkonton (ISK) och kapitalf\u00f6rs\u00e4kringar (KF) att vara skattefria upp till 150 000 kr per person. \u00c5r 2026 h\u00f6js beloppet till 300 000 kr. 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