Feeling overwhelmed by Sweden's financial landscape? Whether you're an expat or an Indian living in Sweden, navigating the intricate web of pensions, investments, and real estate can be daunting. But worry not—Annamalai Ramanathan, a passionate expert in personal finance and instrumentation, is here to help you make informed decisions every step of the way. With over three years of experience and having assisted over 8000 Indian NRIs/OCIs, Annamalai provides clear, practical guidance tailored to your unique financial needs.Here's what you'll gain from our comprehensive service:<ul> <li>Investing and Savings Accounts: Understand the ins and outs of ISK, KF, and AF accounts in Sweden and how to optimize your tax savings.</li> <li>Efficient Tax Planning: Learn about tax-efficient savings methods, salary exchanges, and strategies designed specifically for high-income earners.</li> <li>Pension Insights: Get detailed guidance on occupational pensions (ITP 1, ITP 2) and repayment protection cover.</li> <li>Essential Insurance: Explore crucial insurance types for expats, including life, medical, akassa, home, and more.</li> <li>Apartment Buying Assistance: Navigate the complexities of apartment purchases, bank loans, BRF loans, and decide between fixed or floating interest rates. Benefit from invaluable tips and tricks.</li></ul>How does it work?<ul> <li>Schedule a Meeting: Set up a Zoom meeting and come prepared with your questions.</li> <li>Pick a Topic: Choose an area you're interested in, and we'll break down the advantages and disadvantages in simple terms.</li> <li>Get Clarifications: Ask your queries, and we will simplify complex financial concepts for you. If we can't provide a solution, a full refund will be issued.</li></ul>Don't let the complexities of financial planning keep you from securing your future. Imagine having clear, actionable advice readily available, making your financial journey smoother and more efficient. Here's what others have to say:"Annamalai's deep expertise and practical guidance have been incredibly beneficial. He makes complicated financial concepts easy to understand and implement, particularly for expats in Sweden. Highly recommend!" - TestimonialTake control of your finances and make informed decisions with confidence. Book your session today and start your journey towards financial clarity and peace of mind.Disclaimer: The opinions expressed are for financial awareness ONLY and should not be considered as personalized financial advice.

We offer practical guidance on:<ol><li>Accounts for Investing in Sweden: ISK, KF, AF accounts</li><li>Tax-efficient methods of savings in Sweden</li><li>Utilizing salary exchange for tax savings, especially for high-income earners</li><li>Understanding pension options, occupational pension (ITP 1, ITP 2), and repayment protection cover</li><li>Exploring various types of insurance essential for expats in Sweden from life, medical, akassa, home insurance etc.</li><li>Navigating the apartment buying process, Bank Loans, BRF loans, and considerations for fixed or floating interest rates, along with tips, tricks, and potential pitfalls</li></ol> Our Aim is to create awareness among people in Sweden, so that they can take an informed decision. How it Works:<ul><li>Schedule a meeting and come prepared with your questions. Meeting will be held on Zoom.</li><li>Choose a topic of your interest and we explain the advantages and disadvantages of each topic, for example ISK accounts or life insurance.&nbsp;</li><li>Ask your question and we will explain complex financial topics in simple terms.</li><li>If we can't provide a solution, a full refund will be issued.</li></ul>

Luciano Freitas

Very helpful and enriching information for newcomers in Sweden. I really recommend him as a good reference in topics related to financial, tax and investiments matters. Thank you so much .

Pension/Investing/Savings/Loans

Starting a company in Sweden

Income Tax - Private Person- Sweden

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Annamalai excels in finance, offering vital expat guidance in Sweden on taxes, investments, and planning.

Person living in Sweden needs to report their global income and global loans to Skatteverket.Benefits for expat who are Resident in Sweden &amp; Paying taxes to Sweden have the option to claim various deduction which they have missed to claim in previous years like:1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Double Accommodation deduction: Moved to Sweden or within Sweden for job and hold an apartment in your home country. Eligible to deduct Sweden rent.&nbsp;2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fixed term employment deduction: Moved to Sweden or within Sweden for job with fixed term employment, Eligible to deduct Sweden rent. It can be 6 months’ Probation period on your job contract also. Most people working in PhD /Post Doc /Researcher / ICT visa fall under this category. Note the Rent shall be paid by you ONLY and not by your company.&nbsp;&nbsp;3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest repaid on Loans (Home country): Interest repaid for loans can be deducted in Sweden taxes. Any loans can be claimed until the year 2024. In year 2025, Personal loans can be deducted with 50% paid interest only.&nbsp; 4) To claim a deduction in specific year , you need to a tax resident in Sweden and have paid taxes to Sweden on that year.&nbsp;You have to report Global Income(anywhere in the world) also to Sweden:1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank interested income2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sale of Stocks/ Funds or RSU/ESOP3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sale of Apartment&nbsp;&nbsp;We have so far claimed back from taxes:1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;210&nbsp;000 Kr for double accommodation deduction for 5 years2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;160&nbsp;000 Kr for Home loan interest repaid for last 5 years3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have claimed deductions and money received by expats for more than 1 million Kr.4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reported International income for Apartment sale &amp; Stock Sale. 5) Submitted a claim for Education Loans and Temporary accommodation claim and waiting for reply from Skatteverket Many people lack awareness on this topic and fail to report the income or claim deduction, now we have a wonderful opportunity to correct our taxes in Sweden for last 6 years.Interested in knowing more and whether you have the opportunity to use this service, lets have a quick 15 mins initial meeting to discuss.&nbsp;

Previous Year Tax Correction - Sweden

SEK to INR is 7,68 Rs , its an excellent time to move Money from India to Sweden. CA in India is needed for 2 most reasons :1) Movement of Money from India to Sweden (Form 15 CA, 15 CB and Co ordination with bank). 2) Property sale in India &amp; Tax reporting in India. We will delve into the details on various rules &amp; regulation Movement of money as Gift from Resident India / NRI own transfer.Property sale taxation for Resident India &amp; NRI. Please Note : Q&amp;A is for 30 mins only and we will try our best to entertain all question , but due to time limitation we cant take all question in Live session. Max 100 people can attend the live session, its open for 300 registration who can get access to recording view for upto 1 month after the session.

CA from India - India Taxation

Dealing with the complexities of income tax in Sweden can be intimidating, especially for expats. Simplify your tax matters with personalized, expert guidance tailored to make your tax filing experience smooth and stress-free.Annamalai Ramanathan, a seasoned financial expert, is here to shed light on your tax obligations, offering you the clarity and understanding needed to confidently manage your personal income tax.Get ready to dive into:<ul> <li>Understanding Inkomstdeklaration 1: Gain a clear insight into how your income is taxed in Sweden, ensuring you are well-informed and prepared.</li> <li>Maximizing Deductions: Learn about and benefit from expat deductions including Double Accommodation Benefit, Home Travel Deduction, Hobby/Freelance Income, and more.</li> <li>Compliance with Global Income: Navigate the intricacies of declaring rental income, bank account interest, and capital gains from stocks and property sales abroad, based on the tax treaties between Sweden and your home country.</li> <li>Tax Treaty Expertise: Understand the nuances of the tax treaties between Sweden and other countries, particularly India, to ensure you optimize your tax planning and savings.</li></ul>How It Works:<ul> <li>Schedule a meeting and come prepared with your questions.</li> <li>Receive personalized guidance on how and where to fill in the data for your Inkomstdeklaration 1, while you handle the actual input.</li> <li>Benefit from expert opinions based on extensive understanding of tax law and DTAA, informed by assisting over 8000 expats in the past three years.</li> <li>A full refund is guaranteed if we can't provide a solution to your query.</li></ul>"Annamalai’s extensive knowledge in finance has been incredibly helpful for me as an expat. His clear and practical advice made understanding Swedish taxes and financial planning a breeze." - Satisfied CustomerMake tax season a breeze with professional guidance that demystifies your tax obligations. Let Annamalai Ramanathan, with his deep financial expertise, guide you towards making informed decisions and optimizing your tax strategy. Book your session today and take the first step towards financial clarity in Sweden!Disclaimer: Our purpose is to create financial awareness, not to provide specific advice. Always consult a professional for personalized financial advice.

Dealing with the complexities of income tax in Sweden can be intimidating, especially for expats. Simplify your tax matters with personalized, expert guidance tailored to make your tax filing experience smooth and stress-free Personal Income Tax (inkomstdeklaration 1) : 30 mins Discussion Explain and make you understand the inkomsdeklaration1 and how taxes are calculated from your income.Help with Deduction Like:1) Double Accommodation Benefit - New Expats deduction2) Home Travel deduction - New Expat Deduction3) Hobby income / Freelance income 4) K6 : Sale of Apartment5) K4: AF Konto Form filling6) ESOP/RSU capital gain7) Rental income declaration Income from Outside Sweden: (Depends on Tax Agreement)All global income needs to declared in Sweden.1) Rental income from aboard.2) Bank account interest3) Stocks or Mutual Fund sale in home country4) Sold property in your home country.5) Declare taxes paid in home country6) LIC /ULIP Policy from India We understand the tax treaty between Sweden &amp; India and we can help you with tax planning in such a way you can save taxes. We can read and explain the tax treaty between Sweden &amp; your home country. We dont deal with:1) Cross Border commute taxes (Living in Sweden &amp; working in Norway/Denamrk)2) Öresund Tax Agreement3) US citizen and Sweden Taxes4) Complex Tax matters5) Forestry and agriculture income in sweden Our Aim is to create awareness among people on Taxes in Sweden, so that they can take an informed decision. How it Works:<ul><li>Schedule a meeting and come prepared with your questions.</li></ul> <ul><li>Receive guidance from us on how and where to fill in the data, and YOU fill in the details in Inkomstdeklaration 1.</li></ul> <ul><li>The final decision always rests with Skatteverkt; our opinions are based on the understanding of tax law and DTAA and helping 8000+ expats in last 3+ years</li></ul> <ul><li>If we cant provide a solution, a full refund will be issued.</li></ul> <ul><li>We strictly discuss legal tax matters;</li></ul> <ul><li>We do not address business/Enskild Firma tax questions in this consultation.</li></ul>

Want to start a company in Sweden but unsure where to begin? Allow me, Annamalai Ramanathan, to guide you every step of the way! With my deep expertise in personal finance and extensive experience assisting expats and NRIs, transforming your business dream into a reality is simpler than ever.In this comprehensive service, you'll receive:<ul> <li>Complete Online Form Assistance</li> <li>Detailed Explanation of the Differences Between Enskild Firma (EF) and Aktiebolag (AB) Structures</li> <li>Guidance on Taxes, Dividends, and Salary Options for AB and EF</li> <li>Step-by-Step Support for Company Registration</li></ul>Here's how we make it easy:<ul> <li>Initial Meeting: A 30-minute consultation to address your queries, provide necessary information, and prepare a list of prerequisites.</li> <li>Fast-Track Assistance: Already have all the details? We can help you register your company online in just 30 minutes.</li></ul>Imagine having a clear, streamlined process to set up your company, combined with practical insights tailored to your unique situation. My experience assisting over 8,000 Indian NRIs/OCIs in Sweden ensures you'll get valuable guidance every step of the way."Annamalai's expertise in finance and practical approach has been invaluable for expats like me. His clear guidance made the complex process of company registration both understandable and approachable." - TestimonialReady to embark on your entrepreneurial journey? Schedule your consultation today and take the confident first step towards opening your company in Sweden!

Want to start a company in Sweden but unsure where to begin? Allow me, Annamalai Ramanathan, to guide you every step of the way! With my deep expertise in personal finance and extensive experience assisting expats, transforming your business dream into a reality is simpler than ever.In this comprehensive service, you'll receive:<ul><li>Complete Online Form Assistance in Verksamt &amp; Skatteverket</li><li>Detailed Explanation of the Differences Between Enskild Firma (EF) and Aktiebolag (AB) Structures</li><li>Guidance on Taxes, Dividends, and Salary Options for AB and EF</li><li>Step-by-Step Support for Company Registration</li><li> </li></ul>Here's how we make it easy:<ul><li>Initial Meeting: A 30-minute consultation to address your queries, provide necessary information, and prepare a list of prerequisites.</li><li>Fast-Track Assistance: Already have all the details? We can help you register your company online in just 30 minutes in Verksamt.</li><li> </li></ul>Imagine having a clear, streamlined process to set up your company, combined with practical insights tailored to your unique situation. My experience assisting over 50+ entrepreneur start a business in Sweden ensures you'll get valuable guidance every step of the way. Ready to embark on your entrepreneurial journey? Schedule your consultation today and take the confident first step towards opening your company in Sweden!

Annamalai Ramanathan is a Passionate about Instrumentation and Personal Finance. 

Creating Awareness to expats & Indian living in Sweden on topics like :
Sweden Taxes Rules
Double Tax treaty 
Apartment Loans & its buying process
Insurance (Akassa, income insurance ,Life, Health, Dental, mortgage Protection, Home insurance)
Investment (ISK/AF account)

Starting a company in Sweden (EF/AB).

Helping 8000+ Indian NRI/OCI living in Sweden with Personal finance topics as above and also in India like: 
Should i Invest in India or Europe ?
NRI PINS / Non PINS Demat Account
DTAA rules reg investing in India
Savings options in India for NRI
PPF/SSY Rules for NRI
LIC/Life/Health Insurance in India
NRI TDS Apartment sale

Looking forward to providing value to my fellow expats based on my experience on helping Expats & NRI/OCI for last 3 years.

Disclaimer : Opinions Expressed here shall NOT be considered as Advice, our aim is to create financial awareness ONLY and explain various rules , regulations and smart practical ideas based on our experience.

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