{"id":32883,"date":"2018-04-17T10:31:51","date_gmt":"2018-04-17T08:31:51","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=32883"},"modified":"2026-03-11T17:58:12","modified_gmt":"2026-03-11T16:58:12","slug":"pengepodden-sparing-finn-frem-i-fondsjungelen-med-morningstar","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-finn-frem-i-fondsjungelen-med-morningstar\/","title":{"rendered":"#pengepodden sparing &#8211; Finn frem i fondsjungelen med Morningstar"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"770\" height=\"400\" scrolling=\"no\" frameborder=\"no\" src=\"https:\/\/w.soundcloud.com\/player\/?visual=true&#038;url=https%3A%2F%2Fapi.soundcloud.com%2Ftracks%2F430919337&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>Vi har f\u00e5tt bes\u00f8k i studio av en av dem i Norge som kan mest om fondsutvelgelse, Thomas Furuseth, fondsanalytiker i Morningstar. Morningstar er verdens st\u00f8rste fondsanalyseselskap. Innledningsvis forteller Thomas litt om hva et fond er, og at det er strenge regler for hvordan et fond skal driftes. Dette for \u00e5 sikre kundenes penger. Blant annet er aksjefond lovp\u00e5lagt \u00e5 fordele portef\u00f8ljen p\u00e5 minst 16 b\u00f8rsnoterte selskaper, og minimum 80 prosent av fondets midler investeres i aksjemarkedet.<\/p>\n<p>Det er aksjefond som er mest popul\u00e6rt blant nordmenn, og det er denne fondstypen gutta bruker mest tid p\u00e5 i denne episoden.<\/p>\n<h2>Aktive vs. passive fond<\/h2>\n<p>(Fra 07:24) Aksjefond deles opp i to hovedgrupper: Aktive aksjefond og passive aksjefond, ogs\u00e5 kalt indeksfond. Indeksfondene skal f\u00f8lge indeksen slavisk og har derfor sv\u00e6rt lave kostnader. I aktive fond fors\u00f8ker forvalteren \u00e5 sl\u00e5 indeksen ved \u00e5 finne vinneraksjer, og slike fond koster mer.<\/p>\n<p>Norske privatpersoner har kun 10 % av sine midler i aksjefond plassert i indeksfond. Institusjonelle kunder \u2013 proffene &#8211; har nesten 40 % plassert i indeksfond, if\u00f8lge Verdipapirfondenes forening. Begge gutta er enige i at nordmenn b\u00f8r ha en st\u00f8rre andel indeksfond i portef\u00f8ljen, siden indeksfond er billige og at f\u00e5 aktive fond sl\u00e5r indeksen.<\/p>\n<p>H\u00f8r hva fondsesperten i Morningstar tenker om fremtiden til indeksfond. Han mener de fortsatt vil \u00f8ke i popluaritet, men at de vil n\u00e5 et metningspunkt etter hvert. Thomas forteller ogs\u00e5 at fond som selges i Norge gjennomg\u00e5ende har lavere kostnader enn tilsvarende fond som selges i andre europeiske land &#8211; dette gjelder b\u00e5de aktive og passive fond.<\/p>\n<p>Gutta diskuterer ulike unders\u00f8kelser som viser at de fleste aktive aksjefond taper mot indeksen og taper mot indeksfond. Men det finnes en gruppe aktive aksjefond som er unntaket, og som gjennomg\u00e5ende har sl\u00e5tt indeksen, m\u00e5lt etter kostnader. Du f\u00e5r vite hvilke aktive aksjefond det er snakk om i denne episoden av #pengepodden.<\/p>\n<p>Vi har laget en liste over toppfondene: <a href=\"https:\/\/www.nordnet.no\/campaign\/toppfond.html?cmpi=forside\">9 fond som har sl\u00e5tt b\u00f8rsen<\/a><\/p>\n<h2>Hvilke fond skal du ha i portef\u00f8ljen?<\/h2>\n<p>(Fra 21:07) Bj\u00f8rn Erik har noen klare r\u00e5d til folk som har null erfaring med aksjer og fond. Han trekker blant annet frem m\u00e5nedlig sparing i globale indeksfond som en god m\u00e5te \u00e5 spre risikoen til en lav pris, samtidig som du unng\u00e5r timingrisiko.<\/p>\n<p>Hvis du har stor interesse for sparing og \u00f8nsker en portef\u00f8lje med flere fond, er ikke svaret like enkelt. Bj\u00f8rn Erik bruker sin fondsportef\u00f8lje som eksempel, som for tiden best\u00e5r av 9 fond \u2013 b\u00e5de aktive fond, indeksfond og faktorfond. Du kan ogs\u00e5 f\u00f8lge Bj\u00f8rn Erik p\u00e5 Shareville (Bj\u00f8rnNordnet).<\/p>\n<p>Thomas mener at Bj\u00f8rn Eriks fondsportef\u00f8lje er for viderekomne, og er preget av at han har samlet fond over lang tid. Den er un\u00f8dig kompleks, og kan med fordel forenkles litt. I denne episoden f\u00e5r du ogs\u00e5 h\u00f8re hvilke fond som skjuler seg i Thomas sin fondsportef\u00f8lje. Det viser seg faktisk at han kun sitter med to fond for \u00f8yeblikket. Han har ogs\u00e5 fjernet \u00abhome bias\u00bb, overvekten av fond i hjemlandet Norge.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-32893\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-1024x536.jpg\" alt=\"\" width=\"770\" height=\"403\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-1024x536.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-150x78.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-620x324.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-768x402.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-370x194.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-270x141.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1-740x387.jpg 740w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/morningstar-pengepodden_sparing_gjest_1200x628-1.jpg 1195w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/p>\n<h2>Slik rangerer Morningstar fond &amp; sp\u00f8rsm\u00e5l fra lyttere<\/h2>\n<p>(Fra 32:57) Thomas forteller om hva som ligger til grunn for vurderingen av fondene som rangeres fra 1 til 5 stjerner hos Morningstar. En lytter som kaller seg \u201dUngeLovende\u201d p\u00e5 Twitter lurer p\u00e5 om det l\u00f8nner seg \u00e5 velge fond med mange stjerner vs. fond med f\u00e5 stjerner. Thomas forteller at stjernene har en moderat predikasjonsevne, men de er ikke veldig treffsikre. Stjernene tenderer til \u00e5 lede kundene mot rimelige fond. Det er ogs\u00e5 tydelig at d\u00e5rlige fond forblir d\u00e5rlige.<\/p>\n<p>Andre rangeringsmetoder for fond blir ogs\u00e5 diskutert. Alle er laget over samme lest, men det er noen forskjeller p\u00e5 dem.<\/p>\n<p>Helt til slutt diskuterer gutta i studio ogs\u00e5 et sp\u00f8rsm\u00e5l fra Johan p\u00e5 Shareville som lurer p\u00e5 om det er smart \u00e5 valutasikre fond. Finn ut hva Bj\u00f8rn Erik og Thomas mener om dette avslutningsvis i denne episoden.<\/p>\n<p>Sjekk ogs\u00e5 ut forrige episode av #pengepodden sparing: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-episode-151-slik-bygger-du-din-aksjeportefolje\/?autoplay=1\" rel=\"noopener\">Slik bygger du din aksjeportef\u00f8lje<\/a><\/p>\n<p><a href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Abonner via RSS<\/a><\/p>\n<p><a href=\"https:\/\/soundcloud.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">F\u00f8lg p\u00e5 SoundCloud<\/a><\/p>\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" target=\"_blank\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Abonner via iTunes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vi har f\u00e5tt bes\u00f8k i studio av en av dem i Norge som kan mest om fondsutvelgelse, Thomas Furuseth, fondsanalytiker i Morningstar. Morningstar er verdens st\u00f8rste fondsanalyseselskap. Innledningsvis forteller Thomas litt om hva et fond er, og at det er strenge regler for hvordan et fond skal driftes. Dette for \u00e5 sikre kundenes penger. Blant [&hellip;]<\/p>\n","protected":false},"author":20033,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[6463],"tags":[3962],"class_list":["post-32883","post","type-post","status-publish","format-audio","hentry","category-pengepodden","tag-toppsak","post_format-post-format-audio"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg 150w, 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