{"id":92611,"date":"2026-05-12T10:52:47","date_gmt":"2026-05-12T07:52:47","guid":{"rendered":"https:\/\/www.nordnet.fi\/blogi\/?p=92611"},"modified":"2026-05-12T10:55:32","modified_gmt":"2026-05-12T07:55:32","slug":"lonar-det-sig-att-skjuta-upp-arvsskatten","status":"publish","type":"post","link":"https:\/\/www.nordnet.fi\/blogi\/lonar-det-sig-att-skjuta-upp-arvsskatten\/","title":{"rendered":"L\u00f6nar det sig att skjuta upp arvsskatten?"},"content":{"rendered":"\n<p>De stora \u00e5rskullarna blir allt \u00e4ldre och Finland st\u00e5r inf\u00f6r en historisk situation: under de kommande \u00e5ren kommer st\u00f6rre f\u00f6rm\u00f6genheter \u00e4n n\u00e5gonsin tidigare att g\u00e5 i arv. Arven f\u00f6rdelas dock geografiskt p\u00e5 mycket olika s\u00e4tt. N\u00e5gon kan \u00e4rva ett gammalt hemst\u00e4lle i glesbygden med ett s\u00e5 l\u00e5gt marknadsv\u00e4rde att det inte \u00e4r ekonomiskt rationellt att ta emot arvet. Medan en annan kan \u00e4rva en skuldfri familjebostad mitt i tillv\u00e4xtcentrum.<\/p>\n\n\n\n<p><a href=\"https:\/\/blogi.nordnet.fi\/kannattaako-perintoveron-maksamista-viivastyttaa\/\" rel=\"nofollow noopener\">Lue artikkeli suomeksi t\u00e4st\u00e4.<\/a><\/p>\n\n\n\n<p>Dagens pension\u00e4rer \u00e4r den f\u00f6rm\u00f6gnaste generationen i Finlands historia. De \u00e4ger kontanter, v\u00e4rdepapper samt skuldfria bost\u00e4der och sommarstugor. Detta syns \u00e4ven hos oss p\u00e5 Nordnet: de st\u00f6rsta portf\u00f6ljerna finns ofta hos v\u00e5ra \u00e4ldre kunder. Exempelvis \u00e4r det genomsnittliga kapitalet i portf\u00f6ljerna f\u00f6r 66\u201376-\u00e5ringar cirka 75 000 euro (median 9 700 euro), och f\u00f6r personer \u00f6ver 77 \u00e5r redan \u00f6ver 118 000 euro (median 11 796 euro).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"en-langre-betalningstid-men-rantan-loper-pa\">En l\u00e4ngre betalningstid men r\u00e4ntan l\u00f6per p\u00e5<\/h2>\n\n\n\n<p>\u00c4ven om ett arv \u00e4r en g\u00e5va fr\u00e5n tidigare generationer, medf\u00f6r det ofta huvudbry i form av arvsskatt. Regeringen Orpo f\u00f6rl\u00e4ngde betalningstiden f\u00f6r arvsskatt till tio \u00e5r, vilket \u00e4r en betydande l\u00e4ttnad j\u00e4mf\u00f6rt med den tidigare tidsfristen p\u00e5 tv\u00e5 \u00e5r. S\u00e4rskilt vid arv som domineras av fastigheter var tv\u00e5 \u00e5r en pl\u00e5gsamt kort tid, i synnerhet om den efterlevande makes besittningsr\u00e4tt hindrade en f\u00f6rs\u00e4ljning av bostaden f\u00f6r att t\u00e4cka skatterna.<\/p>\n\n\n\n<p>Reformen har dock en baksida: dr\u00f6jsm\u00e5lsr\u00e4ntan. F\u00f6r n\u00e4rvarande \u00e4r dr\u00f6jsm\u00e5lsr\u00e4ntan p\u00e5 arvsskatt referensr\u00e4ntan enligt r\u00e4ntelagen + 2 procentenheter, vilket inneb\u00e4r att den \u00e5r 2026 \u00e4r 4,5 %. R\u00e4nta betalas p\u00e5 hela skatteskulden under hela betalningstiden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"betala-skatten-genast-eller-utnyttja-betalningstiden\">Betala skatten genast eller utnyttja betalningstiden?<\/h2>\n\n\n\n<p>Detta \u00e4r en klassisk investeringsmatematisk fr\u00e5ga. Om du \u00e4rver tillg\u00e5ngar som \u00e4r l\u00e4tta att realisera, s\u00e5som kontanter eller aktier, v\u00e4cks fr\u00e5gan: l\u00f6nar det sig att betala skatten direkt eller l\u00e5ta pengarna f\u00f6rr\u00e4ntas p\u00e5 b\u00f6rsen?<\/p>\n\n\n\n<p><strong>L\u00e5t oss ta ett praktiskt exempel:<\/strong><\/p>\n\n\n\n<p>Du \u00e4rver v\u00e4rdepapper och kontanter till ett v\u00e4rde av 100 000 euro. Arvsskatten f\u00f6r en br\u00f6starvinge p\u00e5 detta belopp \u00e4r 8 700 euro.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Alternativ A:<\/strong> Du betalar skatten direkt. I portf\u00f6ljen \u00e5terst\u00e5r 91 300 euro som v\u00e4xer med r\u00e4nta p\u00e5 r\u00e4nta-effekt.<\/li>\n\n\n\n<li><strong>Alternativ B: <\/strong>Du utnyttjar betalningstiden p\u00e5 10 \u00e5r. Du investerar hela beloppet p\u00e5 100 000 euro p\u00e5 b\u00f6rsen (t.ex. i en diversifierad indexfond) och betalar skatten inklusive dr\u00f6jsm\u00e5lsr\u00e4nta f\u00f6rst efter 10 \u00e5r<\/li>\n<\/ul>\n\n\n\n<p>B\u00f6rsens historiska genomsnittliga avkastning \u00e4r cirka 7 %. Dr\u00f6jsm\u00e5lsr\u00e4ntan \u00e4r 4,5 %. Eftersom du f\u00e5r avkastning p\u00e5 hela beloppet, men endast betalar r\u00e4nta p\u00e5 skattedelen, visar sig ber\u00e4kningarna snabbt vara till investerarens f\u00f6rdel.<\/p>\n\n\n\n<p>Genom att investera de pengar som egentligen \u00e4r \u00f6ronm\u00e4rkta till skattemyndigheterna anv\u00e4nder du p\u00e5 s\u00e4tt och vis en h\u00e4vst\u00e5ng f\u00f6r att ackumulera avkastning \u00e5t dig sj\u00e4lv. Under 10 \u00e5r med en avkastning p\u00e5 7 % v\u00e4xer 100 000 euro betydligt mer \u00e4n vad dr\u00f6jsm\u00e5lsr\u00e4ntan p\u00e5 4,5 % hinner \u00e4ta upp av den mindre skatteposten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hur-loste-jag-situationen-sjalv\">Hur l\u00f6ste jag situationen sj\u00e4lv?<\/h2>\n\n\n\n<p>Om arvet best\u00e5r av fastigheter \u00e4r situationen lite kr\u00e5ngligare. Jag st\u00e4lldes sj\u00e4lv inf\u00f6r denna situation n\u00e4r min far gick bort f\u00f6r ett \u00e5r sedan och jag \u00e4rvde en fj\u00e4rdedel av en bostad och en sommarstuga. Att s\u00e4lja mina egna v\u00e4lavkastande investeringar f\u00f6r att betala skatterna k\u00e4ndes inte rationellt.<\/p>\n\n\n\n<p>Jag har d\u00e4rf\u00f6r valt att l\u00e5ta mina egna investeringar (f\u00f6rhoppningsvis) samla en b\u00e4ttre avkastning \u00e4n dr\u00f6jsm\u00e5lsr\u00e4ntan och oroar mig f\u00f6r att betala skatt f\u00f6rst senare. Det kr\u00e4ver f\u00f6rst\u00e5s sinnesro och tilltro till marknaden, men det m\u00e5ste en investerare ha i vilket fall som helst.<\/p>\n\n\n\n<p><em>Resultatet av ber\u00e4kningarna ska inte betraktas som en investeringsrekommendation eller ett investeringsr\u00e5d. Ber\u00e4kningarna \u00e4r en f\u00f6renkling av verkligheten. Ett begr\u00e4nsat antal variabler har beaktats. Avkastningsprocenten som anges i exemplen \u00e4r endast ett antagande. Kalkylen tar inte h\u00e4nsyn till alla faktorer som i verkligheten p\u00e5verkar sparbeloppet, s\u00e5som inflation, skatter, valutakursf\u00f6r\u00e4ndringar och fondrelaterade kostnader. Kalkylen baserar sig inte p\u00e5 n\u00e5got specifikt spars\u00e4tt. Det \u00e4r om\u00f6jligt att s\u00e4ga hur stor den egentliga avkastningen kommer att bli.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De stora \u00e5rskullarna blir allt \u00e4ldre och Finland st\u00e5r inf\u00f6r en historisk situation: under de kommande \u00e5ren kommer st\u00f6rre f\u00f6rm\u00f6genheter \u00e4n n\u00e5gonsin tidigare att g\u00e5 i arv. Arven f\u00f6rdelas dock geografiskt p\u00e5 mycket olika s\u00e4tt. N\u00e5gon kan \u00e4rva ett gammalt hemst\u00e4lle i glesbygden med ett s\u00e5 l\u00e5gt marknadsv\u00e4rde att det inte \u00e4r ekonomiskt rationellt att [&hellip;]<\/p>\n","protected":false},"author":68628,"featured_media":92598,"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":[5459],"tags":[5458],"class_list":["post-92611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-svenska","tag-svenska"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogi.nordnet.fi\/wp-content\/uploads\/sites\/3\/2026\/05\/Jasmin-01-blogheader-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogi.nordnet.fi\/wp-content\/uploads\/sites\/3\/2026\/05\/Jasmin-01-blogheader-150x54.jpg 150w, 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