Now requires the Financial Supervisory savings institutions for answers on how customers are informed about the new rules for deductions.
Financial Supervisory Authority (FI) has sent letters to all institutions offering retirement savings.
– Both government and we want to know the ways in which institutions are supposed to inform consumers of the amended regulations, says a tax inspector Helena Thessén.
At the end was lowered amount giving the right to deduct tax from 12 000 a year to SEK 1 800. Those who do not change their savings will therefore be taxed twice.
– As a consumer, you always have a free choice, but you have to get the right information. It may well be that you do not pay attention rule change, says Helena Thessén.
However, FI does not currently looking at what institutions recommend for alternatives to the old pension savings. It ought authority to do, consider Claes Hemberg, savings economist at Avanza.
– We see in advertising on television and in the subway to the giants indicate endowment. The investor can be hard to resist the pressure, he said.
Kapitalföräkring have low taxes, but can be pricey. Claes Hemberg has counted on examples where the total fees for the insurance and expensive products as it is filled with ports of over 5 percent a year.
– This means that companies take almost the entire return, he says.
His recommendation is that, regardless of the savings institutions to choose, go for an ISK Account and low-cost funds.
– It is clear that there will be a problem if customers do not receive the information required. We have not received any information that would lead to that way. But we will of course look at the information in the letter answers that we receive, says Helena Thessén on FI.
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