The tax announcement can create both happiness and tears. Usually we keep our thumbs for a large sum back, especially in times where both food prices and inflation are rising. At the same time, private economist Felicia Schön from Avanza Bank believes that it is not at all to be pleased – the fact is that you may have made a big loss. – It gets a little skewed when you try to get as much tax refund as possible and be happy, because you could have had the money a year earlier, she says. Tax refund means that you have paid too much tax to the state every month, and receive the surplus back at the declaration that takes place annually. – I can understand that you are very happy when you get back a large tax refund, just because it becomes a lump sum into the account. But you have to remember where the tax refund comes from. Residual tax is the most economical according to Felicia Skönjärst tax is the absolute best as it is like you have been “borrowing money for free”. – Optimal is to strive to lie somewhere around plus minus zero, but then you should also feel yourself and be aware that you actually use the money and save during the year. She believes that those who receive residual tax instead have received more money in their hand every month, which gives the opportunity to invest the money on an ongoing basis and get a return. – When you get it in tax refunds, you have actually saved money with zero percent interest, which is not something you should celebrate. “If you are not free money”, however, you are bad at saving money, it can be grateful to get a lump sum to treat yourself to something extra. Felicia Schön refers to the fact that it may feel like free money, but that is not true. She herself will get back a large amount of money this year after a loss in a stock and fund account on which she will now deduct. – I would rather have taken the profit on the money I invested than it had been a loss. But of course, now that I get a lump sum it will definitely be invested, I usually live as I learn.
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