Her er alt, du skal vide, om en aktiekonto

Annonce

Hvis du er nybegynder til aktier og ønsker at investere i dem, kan du komme i gang ved at  oprette en aktiekonto. Her får du mulighed for at investere i forskellige aktier på adskillige børser over hele verden, og du har let adgang til de værktøjer, som du har brug for til at holde styr på de investeringer, du allerede har foretaget dig. Aktiesparekontoen har ikke en lige så høj beskatning som en almindelig aktieinvestering, så hvis du ønsker at betale mindre i skat af dine aktier, kan du med fordel oprette en aktiekonto

Hvad er en aktiekonto? 

En aktiesparekonto giver dig mulighed for at investere i aktier samt en hel del aktiefonde. Du kan i 2022 indsætte op til 103.500 kroner i aktier eller aktiebaserede fonde til en væsentlig lavere beskatning end ellers. Beløbet bliver dog reguleret hvert kalenderår. Du behøver ikke at skulle investere alle de penge, du indsætter på din konto, og du kan nemt og hurtigt sælge de aktier, du har stående på dit depot. 

Hvordan fungerer en aktiekonto?

En aktiesparekonto fungerer sådan, at der i praksis er en indlånskonto og et værdipapirdepot. Du kan med en aktiesparekonto investere i aktier, investeringsforeninger og ETF´er, og du kan til enhver tid indbetale og hæve fra din aktiekonto. Der bliver dog reserveret et beløb, hvis du har haft et positivt afkast til dækning af skat, som bliver trukket ved årets slutning, og dette beløb kan ikke hæves fra din konto. Aktiesparekontoen kan oprettes af personer, som er bosiddende i og fuldt skattepligtige til Danmark. Man kan kun have en enkelt konto, og denne kan kun have én ejer. 

Hvor meget skal man betale i skat af sit afkast? 

Fordelen ved at have en aktiekonto er, at man kun bliver beskattet med 17 procent op imod de 27 og 42 procent, som man normalt bliver beskattet med ved normal investering i aktier. Ved at have en aktiekonto, bliver det altså hele 10 procentpoint lavere. Skatten på dit afkast bliver beregnet automatisk, når året når sin afslutning, og så længe du har haft et positivt afkast, så bliver skatten automatisk trukket fra din konto. Derfor behøver du faktisk ikke at gøre mere vedrørende skat på din aktiekonto. Hvis du har haft et negativt afkast, står det automatisk til modregning i fremtidige afkast på din aktiekonto i det kommende indkomstår. Normalt bliver almindelige investeringer i børsnoterede aktier beskattet efter realisationsprincippet, mens afkastet på din aktiesparekonto beskattes efter lagerskatsprincippet. Det betyder, at dit afkast på årlig basis beskattes, uanset om du har realiseret det eller ej. 

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