Friend of the podcast and finance geek Kim Öberg is back on the show, this time to walk us through two common forms of non-salary compensation in Sweden: restricted stock units (RSUs) and qualified employee stock options (QESOs). Kim introduces the important terminology needed to understand equity compensation and highlights the risk factors that workers are often unaware of. By the end of this episode, you'll have a list of important questions to ask your employer, financial advisor, and union, and of course you'll be singing along with Kim: pensionable, pensionable, pensionable salary!

Be sure to subscribe to Kim's newsletter, newsletter.financialliteracy.se, for more on these topics!

Chapters:

• 01:00 - Introduction & Why This Matters
• 05:03 - Essential Terminology
• 10:30 - Restricted Stock Units (RSUs) Explained
• 11:09 - The Klarna RSU Story Begins
• 23:55 - When Values Plummet: The Tax Trap
• 39:05 - Stock Options & QESOs
• 55:03 - Understanding Risk: The Gambling Reality
• 1:04:53 - The Hidden Pension Impact
• 1:11:53 - Key Takeaways & Action Items

To view full show notes, including transcripts, please visit theepisode page. Be sure to follow us on Twitter, BlueSky, and Mastodon!

Produced by Hakuna Matata Produktion

Cover art by Anya K. Jordan@anyakjordan.bsky.social

Theme music by Ptzery