My 5 Investment Picks and More Q&As

[@peterduroska8398]

Hey Mario, thanks for all you videos, very helpful stuff. Will you be releasing the videos on buying a second property in DK? It would be very useful to hear your take on the situation, also from a perspective of keeping the first property for rental purposes, i.e. commercial vs partial rental. Thank you!

[@MarioScianHQ]

I think it's better to invest in stocks instead

[@Spectre-x4b]

Hey Mario. I couldn’t figure yet if my shares would be taxed as my revenue being under the high paid salary tax scheme, the person at the skat was oblivious about my situation. What do you think? Thanks in advance

[@MarioScianHQ]

I don't think the expat scheme applies for investments

[@ricoonet]

Thanks Mario! Really curious to hear about refinancing and how you would recommend thinking about it!

[@MarioScianHQ]

Good idea!

[@matteldcar]

Hey Mario! Great work. I have a few questons, related to each other. Is it still the case that all stock-based distributing ETFs are taxed under the aktieindkomst scheme? Does the positieve list include only accumulating ETFs? Based on what are distributing ETFs taxed at 27 vs 45% ? Apologies if my questions are based on an older video of yours, perhaps outdated ..

[@MarioScianHQ]

27% is for the first 50K-ish in dividends/gains, the rest 42% - ETFs will be taxed in different ways but in effect all the same you pay unrealized gains one way or the other

[@matteldcar]

@@MarioScianHQ Assuming one manages to max out the aktiesparekonto, I do not find it too bad to pay 17% on all profits from that chunck of that portfolio, and 27% on the first 50k-ish (... 50k every year, or una tantum?). My guess is that that's above the yearly return of the average newcome to DK, at least in the short/mid term. It would be interesting to have a poll on this matter!

[@2ivenhoe]

Ishares er da ETF'er? Er der ikke et problem med, at du ikke kun kan trække 25 procent af dine tab fra? Men betaler mere skat af din indtjening på ETF'en?

[@fort6564]

det første jeg ikke hørt noget om på noget tidspunkt, men det andet har du ret i (ETF’er lagerbeskattet). det er derfor smartest at investere i ETF’er i en aktiesparkonto fremfor et normalt aktiedepot

[@2ivenhoe]

@@fort6564 ETF'er kan du kun trække 25 % fra i skat ved tab, men betaler 27/42% af fortjenesten ved aktiebeskating (givet det ikke er kapitalindkomst).

[@MarioScianHQ]

Exactly

[@fort6564]

@@2ivenhoe det er kun hvis det ved et normalt aktiedepot, hvilket ikke er det smarteste. Som sagt før er det ALTID bedst at investere i en ETF gennem en aktiesparkonto.

[@2ivenhoe]

@@MarioScianHQ men hvorfor ETF over index? (Når vi ikke snakker ASK)

[@joelferreira719]

Hola Mario! Gracias por todo el contenido excelente, ni te imaginas lo útil que me están siendo tus videos, así que mil gracias :) Una pregunta, ya que lo mencionaste, te importaría decir a cuanto queda el Invisalign aquí en Dinamarca? Estoy investigando y sería bastante útil tener una idea de como queda eso por aquí mas o menos. Gracias por adelantado ;)

[@MarioScianHQ]

Termine pagando 35K (all inclusive)

[@joelferreira719]

@@MarioScianHQ gracias ;)

[@joelferreira719]

@@MarioScianHQ una cosita más, por tu experiencia, crees que vale la pena utilizar servicios como “danmark” sygeforsikring para ese tipo de cosas?

[@joelferreira719]

@@MarioScianHQ he visto que vas a hacer un video sobre esto pero me gustaria saber tu opinion sobre usar servicios como sygeforsikringen "danmark" para este tipo de cosas :)

[@mohamadanbari1094]

Could you kindly repeate the four ETFs you mentioned at the start of the video?

[@MarioScianHQ]

iShares S&P500, iShares Emerging Markets, iShares World and SparIndex OMX

[@Felix_EN]

I always hear that networking is so important when landing a job here in Denmark, but what would be your recommendation for a newly graduated engineer with a very limited network? Trying to land my first 'adult' job going into 2024

[@MarioScianHQ]

Reach out to a lot of people who have jobs you might want to have 3-5-10 years down the line, ask them incredibly good and specific and personal questions, get their advance and follow up to what they tell you to do - it works for any career, but you need to do it consistently and without expectations

[@gabrielvlad5836]

I always thought that stocks tax and salary tax is separate as all taxes in Denmark, I am confused now because of your video it sounds like they tax your income as a whole, with sounds wrong… to my understanding you have salary you are taxed on salary then you invest and only what you invested gets taxed but not the investment itself but the profits if there are any, if not they dont tax, what do I understand wrong?

[@MarioScianHQ]

You’re correct, income is taxed one way and investments another way

[@findyourb]

Hi Mario, thanks for the video. Is it a good idea to maximize my voluntary pension contribution? For example going from a default 11+5% to 11+8% (or even higher)?

[@MarioScianHQ]

Many people do that, in my opinion not worth it as the pension age is so advanced (65+)

[@Benzemakz]

@@MarioScianHQ thanks! Looking forward to hearing your elaborate opinion on this in your pension video:)

[@rasmbelaraby]

Hey Mario I really like your videos and learn a lot from you, I came to Denmark on last September and would like to ask you if you know the best way to ship things from outside of Denmark, what is the best shipping companies ? how much will it cost "estimated"? I have my PC in Egypt and it is really an expensive and super high end one but I don't know what is the safest and the best way to bring it to Denmark thanks anyway for all the knowledge you share with us

[@MarioScianHQ]

Thanks for the feedback! No idea on this, will depend from place to place so suggest you check with the Egypt community?

[@cesarfamin4326]

Hola mario, gracias por los videos, estoy viviendo en copenaghe y son muy utiles para mi. Tenes un nuevo subscriptor :) Te queria consultar si sabes algo de los prestamos pero no para comprar una casa, sino para invertir. Vi el video de como te tenes que presentar en el banco tambien. Pero en mi caso no es para comprar una propiedad por el momento. Soy arquitecto y llegue hace dos semanas. Espero no molestar. Muchas gracias por los videos segui asi 🙌🙌

[@MarioScianHQ]

Préstamos para invertir en stocks? Don’t do it

[@cesarfamin4326]

@@MarioScianHQpara invertir en cripto. Algo en el orden de los 20-50k€. Se los riesgos. Pero para que te apruebe uno el banco tenes que trabajar 6 meses en blanco? No quiero ir al banco todavía porque todavía no tengo trabajo permanente

[@MarioScianHQ]

Prestamos para invertir en crypto? Ningun banco te va a prestar para eso

[@cesarfamin4326]

@@MarioScianHQ pero en prestamos de montos no tan significativos si o si te preguntan para que vas a usar el dinero?

[@MarioScianHQ]

Ni idea, disculpa

[@alburu9528]

In Denmark you don`t have to pay unrealized profit tax if investing under a company ! so you can open a cvr and start doing investing ! :D thank me later

[@MarioScianHQ]

Not worth it

[@alburu9528]

@@MarioScianHQ the Danish elite are investing in markets not in real estate apartments and wait for appreciation to go up :D

[@chastriq]

you'll have to pay taxes on the salary you give yourself from the business