{"id":37214,"date":"2020-04-10T18:58:35","date_gmt":"2020-04-10T16:58:35","guid":{"rendered":"https:\/\/finanso.se\/?p=37214"},"modified":"2022-04-21T11:59:58","modified_gmt":"2022-04-21T09:59:58","slug":"langsiktiga-investeringar-for-den-riskmedvetna","status":"publish","type":"post","link":"https:\/\/finanso.se\/langsiktiga-investeringar-for-den-riskmedvetna\/","title":{"rendered":"L\u00e5ngsiktiga investeringar f\u00f6r den riskmedvetna"},"content":{"rendered":"
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Reklam:<\/p>

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Oavsett hur mycket eller lite du tj\u00e4nar och hur mycket eller lite pengar du kan l\u00e4gga undan varje m\u00e5nad, \u00e4r sparande n\u00e5got som rekommenderas. Det spelar ingen roll om du sparar sm\u00e5tt eller stort, regelbundet eller periodiskt. I fokus st\u00e5r sj\u00e4lva g\u00e4rningen att l\u00e4gga undan en buffert till stora ink\u00f6p i livet, of\u00f6rutsedda h\u00e4ndelser eller l\u00e5ngresor. Medan vissa n\u00f6jer sig med sparande p\u00e5 bankkonto tar andra sin privatekonomi ett steg l\u00e4ngre och investerar i aktier och fonder<\/a>. Enligt en artikel fr\u00e5n Uppsala Nya Tidning b\u00f6rjade svenskarna investera i de ovan n\u00e4mnda sparformerna i en h\u00f6gre utstr\u00e4ckning under 2019.<\/p>

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Allt fler b\u00f6rjar investera sina pengar<\/h2>

Statistiken pekar vidare p\u00e5 att unga b\u00f6rjat aktiespara allt mer, samtidigt som andelen kvinnor med ett aktieinnehav \u00f6kat. I \u00e5ldersspannet 21\u201330 \u00f6kade antalet aktie\u00e4gare med 3.2 procentenheter under 2010-talet och f\u00f6r kvinnorna var \u00f6kningen 0,2 procentenheter under 2019. N\u00e4stan 15 procent av Sveriges kvinnliga inv\u00e5nare \u00e4gde d\u00e4rmed aktier vid \u00e5rsslutet 2019. Anledningen till \u00f6kningen tros vara att det \u00e4r enklare att l\u00e4ra sig handla med aktier idag med hj\u00e4lp av gratis utbildning och l\u00e4ttillg\u00e4nglig information p\u00e5 n\u00e4tet. Avanzabloggen \u00e4r ett exempel p\u00e5 en blogg d\u00e4r det skrivs regelbundet om aktiemarknaden och b\u00f6rsen och \u00e4ven inneh\u00e5ller guider med grundkurser i aktiehandel. F\u00f6r den som h\u00e4nger med i v\u00e4rldsmarknadens sv\u00e4ngningar och nycker och k\u00f6per och s\u00e4ljer i r\u00e4tt l\u00e4ge kan aktiesparandet vara en kassako. Aktier kan dock \u00e4ven vara riskabla och en m\u00e5ste r\u00e4kna med f\u00f6rlustaff\u00e4rer under loppet av ett l\u00e5ngsiktigt aktiesparande. I den h\u00e4r artikeln tar vi d\u00e4rf\u00f6r sats i mer f\u00f6rsiktiga, och l\u00e5ngsiktiga investeringstips f\u00f6r den riskmedvetna. <\/p>

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Unders\u00f6k noga innan du b\u00f6rjar investera<\/h2>

Innan vi ger oss i kast med l\u00e5ngsiktiga investeringsalternativ t\u00e4nkte vi betona vikten av research. Ekonomi och finansiella begrepp kan vara \u00f6verv\u00e4ldigande f\u00f6r den icke insatta. I ett f\u00f6rsta steg \u00e4r det d\u00e4rf\u00f6r bra att l\u00e4sa p\u00e5 om olika investeringsalternativ och begrepp och uppskatta sannolikheten till vinst f\u00f6r varje alternativ d\u00e5 sannolikhet \u00e4r en nyckelfaktor inom finans. I detta avseende kan lockelsen med finansv\u00e4rlden j\u00e4mf\u00f6ras med casinov\u00e4rlden som attraherar miljoner spelare till casinon runt om i v\u00e4rlden varje dag genom dess of\u00f6ruts\u00e4gbara natur. N\u00e4r du l\u00e4ser p\u00e5 om sannolikhet kan du d\u00e4rf\u00f6r inkludera allt fr\u00e5n matematiska teorier och pokerstrategier till blackjack-regler<\/a> i din research eftersom sannolikheten f\u00f6r en given utg\u00e5ng beror p\u00e5 flera faktorer, detta i likhet med investeringsv\u00e4rlden d\u00e4r sannolikheten f\u00f6r ekonomisk vinning beror p\u00e5 olika variabler som marknaden, omv\u00e4rlden och r\u00e5varutillg\u00e5ng bland annat. <\/p>

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Spara i fonder <\/h2>

Visste du att svenskarna anses unika i v\u00e4rlden enligt Fondbolagens f\u00f6rening eftersom vi sparar s\u00e5 mycket i fonder? \u00c5tta av tio svenskar sparar i fonder och det \u00e4r framf\u00f6r allt ISK-kontots lansering 2012 som ligger bakom de h\u00f6ga siffrorna. N\u00e4r du sparar i ett ISK-konto beskattas inte kapitalvinsten, som sparare beskattas du ist\u00e4llet med en schablonskatt varje \u00e5r. Fonder \u00e4r en optimal sparform f\u00f6r den riskmedvetna eftersom en fond<\/a> inte s\u00e4llan placerar i 20\u201330 olika aktier och medf\u00f6r en riskspridning. Dessutom kan du spara i mindre belopp med fonder och satsa p\u00e5 s\u00e5v\u00e4l svenska som utl\u00e4ndska v\u00e4rdepapper.<\/p>

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K\u00f6pa bostad<\/h2>

M\u00e5nga gl\u00f6mmer bort att bostadsk\u00f6pet inte bara uppfyller det basala behovet av tak \u00f6ver huvudet utan \u00e4ven kan vara en l\u00e5ngsiktig investeringsform. F\u00f6r den som har f\u00f6rm\u00e5nen att kunna spara ihop till en kontantinsats p\u00e5 15 % och d\u00e4rut\u00f6ver kan f\u00e5 ett l\u00e5nel\u00f6fte fr\u00e5n banken till en f\u00f6rm\u00e5nlig r\u00e4nta \u00e4r bostadsk\u00f6pet en hyfsat riskfri investering (i vart fall om du k\u00f6per ett attraktivt objekt med ett OK l\u00e4ge). Ist\u00e4llet f\u00f6r att binda upp pengarna p\u00e5 aktiemarknaden eller dylikt betalar du m\u00e5natligen av dina amorteringar samtidigt som din bostad f\u00f6rhoppningsvis genomg\u00e5r en v\u00e4rde\u00f6kning och kan s\u00e4ljas vidare med vinst. <\/p>

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Nyttja fast sparkonto hos storbanken<\/h2>
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\u00c4ven om ett sparkonto p\u00e5 banken s\u00e4llan brukar rekommenderas f\u00f6r den som vill se pengarna v\u00e4xa inom en \u00f6versk\u00e5dlig framtid kan det vara ett alternativ f\u00f6r den som inte \u00e4r s\u00e4rskilt sugen p\u00e5 risktagande. De flesta storbankerna har s\u00e5 kallade fastr\u00e4ntekonton d\u00e4r du kan l\u00e5sa in dina pengar under en valfri period i utbyte mot en h\u00f6gre sparr\u00e4nta. Bindningstiden brukar variera mellan 3 m\u00e5nader till 3 \u00e5r och enligt v\u00e5r snabbs\u00f6kning p\u00e5 n\u00e4tet erbjuder bland annat 4Spar en fast r\u00e4nta p\u00e5 mellan 5.5\u201310 % p\u00e5 vissa villkor.<\/p>

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