How will my investments with Lysa be taxed?
The funds in your portfolio are Swedish investment funds and are held on a Swedish investment account. When investing with Lysa your fund holdings will be taxed according to the mark-to-market principle (princippet om lagerbeskatning). This means that both unrealised and realised capital gains/losses will be subject to annual taxation and included in your capital income (kapitalindkomst).
Please note that the following transactions are seen as a realisation of fund units: when you make a withdrawal from your Lysa account, when you make an adjustment of the allocation of stocks and bonds in your portfolio and when Lysa automatically rebalances your portfolio within our discretionary mandate.
The applicable tax rate will depend on your individual circumstances and your overall capital income. You can find a general list on different tax rates here.
For more tax-related information please visit the Danish Tax Agency’s website.
Do I have to pay tax in Sweden?
Yes. Lysa will report information about your fund holdings and the transactions you make throughout the year to the Finnish Tax Agency. Consequently, all relevant information about your holdings with Lysa should be included in your pre-filled tax return. However, always remember that it is your responsibility to make sure that your tax return is complete and correct.
Will Lysa report tax-related information about my investments to the Finnish Tax Agency?
No. If you are not a tax resident in Sweden, you will not pay any tax in Sweden.
Please note that this information is provided as general information and should not be considered as tax advice. Always remember that your individual circumstances might affect your tax situation and that the tax rules may be subject to changes in the future. If you are in any doubt about your tax treatment contact the Danish Tax Agency. You will find their contact details here.