Hantera valutarisk

Hej!

Du skulle kunna pröva om du får investera i en kapitalförsäkring istället. Dock bör du undersöka hur USA ser på en kapitalförsäkring, min erfarenhet är att USA inte godkänner kapitalförsäkringar utan ser det som direkt ägande.

I Sverige finns det inga hinder för att du för över pengarna för att därefter investera i en svensk indexfond om du hittar en bank i USA som erbjuder det.

Mvh
Daniel

iShares has a Swedish ETF listed on NYSE. However denominated in USD as they all will be in the US. Also, US ETFs usually pay, unlike Swedish ETFs or funds, a dividend which can be a hastle. Also Swedish ETFs or index funds in Sweden are often less expensive and you avoid the exchange fees - such as Avanza zero and similar funds at Nordnet.

iShares has a Swedish ETF listed on NYSE. However denominated in USD as they all will be in the US. Also, US ETFs usually pay, unlike Swedish ETFs or funds, a dividend which can be a hastle. Also Swedish ETFs or index funds in Sweden are often less expensive and you avoid the exchange fees - such as Avanza zero and similar funds at Nordnet.

Trusts in the US can also be considered in for example Delaware (old New Sweden). They can invest in anything they want. But make sure to close the trust if you ever move back to Sweden - to avoid problems. But do as Daniel suggest, check how a KF is seen in the US. You can talk directly with the IRS about this. They have, actually also a service liability to you as a US tax payer and resident !

And if you decide to speak to the IRS, make sure that they understand that a Swedish KF pays a monthly risk premium (small money) unlike an ITP, doesnt convert to a normal brokerage account as a Swede that moves to the US, and that SKV taxes it at an arbitrary tax with the motivation that it is legally seperated from you, ie a Swedish legal subject no matter what - unlike an ISK or a normal brokerage account. Also note that US capital tax is not so bad depending on how long you are willing to sit on your investment - it falls with time. So it might be, depending on which state you live in, no great benefit to hold a KF - besides the simplicity of taxes it provides if you decide to move back at some point in time vis a regular Swedish brokerage account. But you can also just move the stuff to the US. They too have good brokerage firms but almost always in USD - which can be invested in Swedish assets.

But I actually believe that when you invest in shares, ignore curency risk. If you invest in bonds, do not ! And yes, ITP above on second line should have been ISK. If you plan to buy a house again, and want a currency and housing edge, there are several good real estate funds in Sweden - in SEK. But they have risen by some 30 percent this year as rates fel in the world and people no longer expect to pay more than max 1.5 percent in mortages - ca 1 third of the US. And as long as the rates in Sweden are in negative territory, the SEK will remain weak in comparison with ie the USD. But we are hitting USD highs and it can not last forever.

Once the IRS has responded, demand it in writing and signed. Just to be on the safe side - regarding the Swedish KF.