{"id":1249,"date":"2021-11-26T16:24:37","date_gmt":"2021-11-26T16:24:37","guid":{"rendered":"https:\/\/iamready.se\/?p=1249"},"modified":"2021-12-08T12:36:16","modified_gmt":"2021-12-08T12:36:16","slug":"kom-igang-med-att-investera-i-fonder","status":"publish","type":"post","link":"https:\/\/iamready.se\/kom-igang-med-att-investera-i-fonder\/","title":{"rendered":"Kom ig\u00e5ng med att investera i fonder"},"content":{"rendered":"\n<h2>Spara pengar i fonder<\/h2>\n\n\n\n<p>2021 har varit ett fantastiskt b\u00f6rs\u00e5r d\u00e4r m\u00e5nga bolag har haft fina uppg\u00e5ngar. Har du inte riktigt kommit ig\u00e5ng med ditt sparande? Innan man b\u00f6rjar investera i fonder kan det k\u00e4nnas sv\u00e5rt. H\u00e4r g\u00e5r vi igenom allt du beh\u00f6ver veta f\u00f6r att s\u00e4tta ig\u00e5ng att bygga en fondportf\u00f6lj.<\/p>\n\n\n\n<h2>Vilka fonder ska man spara i?<\/h2>\n\n\n\n<p>En fond \u00e4ger andelar i flera bolag och har en f\u00f6rvaltare som f\u00f6ljer upp och analyserar bolagen. F\u00f6r att t\u00e4cka f\u00f6rvaltarens arbete tas en avgift p\u00e5 0,2%-4% ut. Det finns olika typer av fonder:<\/p>\n\n\n\n<ul><li><strong>Aktiefonder<\/strong>. Precis som det l\u00e5ter: fonder som investerar i aktier. Risken \u00e4r lite h\u00f6gre hos aktiefonder men brukar ocks\u00e5 ha en h\u00f6gre avkastning. Det finns olika typer av aktiefonder med olika inriktningar. Indexfonder f\u00f6ljer ett index, till exempel OMXS30 som f\u00f6ljer de mest omsatta aktierna p\u00e5 stockholmsb\u00f6rsen. <strong>Enhancedfonder<\/strong> brukar f\u00f6lja ett index men f\u00f6rvaltaren exkluderar en del bolag som de inte vill ha med i fonden. Det kan bero p\u00e5 att de anser att n\u00e5got bolag i indexet har f\u00f6r h\u00f6g v\u00e4rdering eller att en aktie inte passar i fonden.<\/li><li><strong>R\u00e4ntefonder<\/strong> har en l\u00e4gre risk \u00e4n exempelvis aktiefonder. De placerar i r\u00e4nteb\u00e4rande v\u00e4rdepapper, som obligationer och statsskuldv\u00e4xlar.<\/li><li><strong>Hedgefonder<\/strong> \u00e4r specialfonder med friare placeringsregler \u00e4n aktiefonder och r\u00e4ntefonder. Hedge inneb\u00e4r att du skyddar och minskar risken p\u00e5 din portf\u00f6lj n\u00e4r b\u00f6rsen sv\u00e4nger mycket.<\/li><li><strong>Blandfond<\/strong> \u00e4r en blandning av aktiefonder och r\u00e4ntefonder.<\/li><\/ul>\n\n\n\n<p>Genom att <a href=\"https:\/\/ekonomisnack.se\/spara-i-fonder\/\">spara i fonder<\/a> k\u00f6per du andelar i fonden. N\u00e4r v\u00e4rdet p\u00e5 aktierna fonden investerat i \u00f6kar, \u00f6kar ocks\u00e5 fonden i v\u00e4rde och det \u00e4r detta vi kallar avkastning. Sj\u00e4lvklart g\u00e4ller det motsatta, n\u00e4r aktierna minskar i v\u00e4rde minskar \u00e4ven fondens v\u00e4rde.<\/p>\n\n\n\n<h2>Varf\u00f6r spara i fonder?<\/h2>\n\n\n\n<ul><li>Du f\u00e5r en riskspridning eftersom aktiefonder \u00e4r investerade i flera olika bolag.<\/li><li>N\u00e5gon annan g\u00f6r jobbet \u00e5t dig.<\/li><li>Du f\u00e5r en bred exponering till en l\u00e5g avgift.<\/li><li>F\u00f6rvaltaren f\u00f6ljer bolagen vilket g\u00f6r att du inte l\u00e4sa \u00e5rsrapporter.<\/li><li>Det g\u00e5r att k\u00f6pa f\u00f6r vilket belopp du vill.<\/li><li>G\u00e5r att automatisera med automatisk \u00f6verf\u00f6ring, vilket g\u00f6r att du kan t\u00e4nka p\u00e5 annat.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"670\" src=\"https:\/\/iamready.se\/wp-content\/uploads\/2021\/11\/spara_i_fonder-1024x670.jpg\" alt=\"spara i fonder\" class=\"wp-image-1253\" srcset=\"https:\/\/iamready.se\/wp-content\/uploads\/2021\/11\/spara_i_fonder-1024x670.jpg 1024w, https:\/\/iamready.se\/wp-content\/uploads\/2021\/11\/spara_i_fonder-300x196.jpg 300w, https:\/\/iamready.se\/wp-content\/uploads\/2021\/11\/spara_i_fonder-768x502.jpg 768w, https:\/\/iamready.se\/wp-content\/uploads\/2021\/11\/spara_i_fonder.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2>Vad ska man t\u00e4nka p\u00e5 n\u00e4r man v\u00e4ljer fond?<\/h2>\n\n\n\n<ol><li>Se till att du sprider dina risker. Investera hellre i breda indexfonder f\u00f6r att sprida riskerna \u00e4n att investera i en smal branschfond. Vill du investera i mer nischade fonder, se till att de inte utg\u00f6r f\u00f6r stor del av din portf\u00f6lj.<\/li><li>L\u00e4s fondens faktablad innan du investerar i fonden f\u00f6r att f\u00f6rst\u00e5 vilken typ av investeringar fonden g\u00f6r.<\/li><li>Best\u00e4m dig f\u00f6r vilken risk du \u00e4r villig att ta. Ska du anv\u00e4nda pengarna i den n\u00e4rmsta framtiden rekommenderas r\u00e4nteb\u00e4rande konto ist\u00e4llet.<\/li><li>Se \u00f6ver hur stor avgift fonden har. J\u00e4mf\u00f6r med fonder inom samma segment. En fond med en stor avgift \u00e4ter upp en stor del av din vinst och med <a href=\"https:\/\/ekonomisnack.se\/ranta-pa-ranta-effekten\/\">r\u00e4nta-p\u00e5-r\u00e4nta-effekten<\/a> kan effekten bli stor med tiden.<\/li><\/ol>\n\n\n\n<h2>Hur vet man n\u00e4r det \u00e4r b\u00e4st att investera?<\/h2>\n\n\n\n<p>Det \u00e4r sv\u00e5rt att kunna <a href=\"https:\/\/www.cnbc.com\/2021\/03\/24\/this-chart-shows-why-investors-should-never-try-to-time-the-stock-market.html\">tajma marknaden<\/a> \u00e4ven f\u00f6r erfarna traders. S\u00e4tt upp ett automatiskt m\u00e5nadsspar och f\u00f6r \u00f6ver pengarna direkt n\u00e4r du f\u00e5r l\u00f6n s\u00e5 att det blir av innan du hinner spendera pengarna p\u00e5 on\u00f6diga saker. \u00d6ppna ett ISK-konto, (investeringssparkonto) hos n\u00e5gon av n\u00e4tbankerna och kom ig\u00e5ng med att investera i fonder redan idag!<\/p>\n\n\n\n<p>\u00c4r du nyfiken p\u00e5 att l\u00e4ra dig mer om ekonomi?<a href=\"https:\/\/ekonomisnack.se\/\"> Ekonomisnack.se <\/a>\u00e4r en bra k\u00e4lla om du vill f\u00f6rdjupa dina kunskaper.<\/p>\n<!--CusAds0-->\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p> &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Kom ig\u00e5ng med att investera i fonder\" class=\"read-more button\" href=\"https:\/\/iamready.se\/kom-igang-med-att-investera-i-fonder\/#more-1249\" aria-label=\"Mer p\u00e5 Kom ig\u00e5ng med att investera i fonder\">L\u00e4s mer<\/a><\/p>\n","protected":false},"author":1,"featured_media":1251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_generate-full-width-content":""},"categories":[8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kom ig\u00e5ng med att investera i fonder - Iamready.se<\/title>\n<meta name=\"description\" content=\"Investera fonder! 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