{"id":33026,"date":"2018-05-01T13:07:29","date_gmt":"2018-05-01T11:07:29","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33026"},"modified":"2026-03-11T17:54:13","modified_gmt":"2026-03-11T16:54:13","slug":"pengepodden-sparing-smart-sparing-til-barn","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-smart-sparing-til-barn\/","title":{"rendered":"#pengepodden sparing \u2013 Smart sparing til barn"},"content":{"rendered":"\n<p>I denne episoden av #pengepodden er temaet sparing til barn \u2013 og hvordan foreldre kan gi en \u00f8konomisk starthjelp til barna inn i voksenlivet. Dette har blitt enda viktigere, n\u00e5 som bankene krever minst 15 % egenkapital ved boligkj\u00f8p. Du f\u00e5r h\u00f8re en historie fra ei jente som kom inn p\u00e5 boligmarkedet allerede i begynnelsen av 20-\u00e5rene som f\u00f8lge av god starthjelp. Du f\u00e5r ogs\u00e5 h\u00f8re Bj\u00f8rn Erik og Anders sine beste r\u00e5d for valg av konto, og hvordan du kan utnytte et lite kjent skattetriks ved sparing til barn.<\/p>\n\n\n\n<iframe title='Embed Player' width='100%' height='188px' src='https:\/\/embed.acast.com\/61653f7433ffb500132c0775\/61653f807a87fd001246dba9' scrolling='no' frameborder='0' style='border:none;overflow:hidden;'><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<p>Innledningsvis i episoden f\u00e5r vi h\u00f8re Ingebj\u00f8rgs historie. Hun forteller hvordan hun kom inn p\u00e5 boligmarkedet allerede som 23-\u00e5ring, ved hjelp av foreldrene. H\u00f8r hvilken betydning det har hatt for hennes \u00f8konomi, og hvilke muligheter det har \u00e5pnet i senere tid.<\/p>\n\n\n\n<p>Anders og Bj\u00f8rn Erik diskuterer viktigheten av \u00e5 spare til barn versus nedbetaling av l\u00e5n og l\u00f8pende forbruk. Har du dyre forbruksl\u00e5n, b\u00f8r du selvsagt betale ned dette f\u00f8r du tenker p\u00e5 \u00e5 spare til barna.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik har selv tre barn og forteller om hvordan han og kona sparer til dem. Han forteller at kona er litt mer forsiktig enn han selv, og \u00f8nsket \u00e5 spare halvparten av m\u00e5nedssparingen i banken til deres f\u00f8rste barn, og andre halvdelen i aksjefond. Han r\u00f8per at de n\u00e5 har endret p\u00e5 denne fordelingen og at de har lagt opp en ny strategi for sparingen til de to siste barna. Finn ut hvilke grep de har tatt og hvorfor det er den beste l\u00f8sningen.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"is-style-squared wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/classic.nordnet.no\/mux\/page\/register\" rel=\"noopener\">Bli kunde<\/a><\/div>\n\n\n\n<div class=\"is-style-squared wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.nordnet.no\/blogg\/slik-sparer-dere-smart-til-barna\/\">Mer om sparing til barn<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Aksjefond eller bank?<\/strong><\/h2>\n\n\n\n<p>(fra 10:00) Skal du f\u00e5 god langsiktig avkastning p\u00e5 pengene m\u00e5 du i aksjemarkedet, er begge enige om. Selv om gutta i studio mener at det er mest l\u00f8nnsomt \u00e5 spare i aksjefond fremfor bank, m\u00e5 man kjenne p\u00e5 risikovilligheten selv. Det er viktig \u00e5 huske at aksjefond kommer til \u00e5 svinge i verdi.<\/p>\n\n\n\n<p>For seks \u00e5r siden hadde faktisk globale aksjefond gitt 0 i avkastning siste 10 \u00e5r, minner Bj\u00f8rn Erik om.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik g\u00e5r gjennom et regneeksempel med en spareavtale p\u00e5 1000 kroner m\u00e5neden i 20 \u00e5r. I et aksjefond som gir 6 % \u00e5rlig avkastning kan man forvente \u00e5 f\u00e5 en saldo etter 20 \u00e5r p\u00e5 ca 409.000 nominelle kroner etter skatt. Med 3 % \u00e5rlig rente i banken vil du sitte igjen med ca 305.000 kr i nominelle kroner etter skatt. Alts\u00e5 over 100.000 kroner mer om du sparer i aksjefond.<\/p>\n\n\n\n<p>Du f\u00e5r ogs\u00e5 h\u00f8re mer om ulike skatteregler for banksparing og sparing i aksjefond. Finn ut hva som l\u00f8nner seg for din sparing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>B\u00f8r du spare i barnets eller foreldrenes navn? <\/strong><\/h2>\n\n\n\n<p>(fra 20:55) Det er fordeler og ulemper ved begge alternativene. Men som f\u00f8lge av noen endringer som nylig har blitt gjort er det ene alternative det mest l\u00f8nnsomme. H\u00f8r episoden for \u00e5 finne ut hvilke l\u00f8sning som l\u00f8nner seg for din del.<\/p>\n\n\n\n<p>En fordel ved \u00e5 spare i foreldrenes navn er at foreldrene fritt kan disponere midlene \u2013 ogs\u00e5 etter barna er 18 \u00e5r. Dermed unng\u00e5r man at barna sl\u00f8ser bort pengene p\u00e5 russebuss og sydentur. Man slipper ogs\u00e5 \u00e5 tenke p\u00e5 at en h\u00f8y formue til barnet kan f\u00f8re til kutt i stipend fra L\u00e5nekassen \u2013 grensen er p\u00e5 ca 400.000 kr i dag. En annen fordel er at det er enkelt \u00e5 opprette spareavtale p\u00e5 nett, bytte fond, endre sparebel\u00f8p etc. \u00c5 opprette en spareavtale for mindre\u00e5rige er mer kronglete.<\/p>\n\n\n\n<p>En ulempe med \u00e5 spare i foreldrenes navn er at midlene inng\u00e5r i boet ved foreldrenes skilsmisse eller d\u00f8d, forteller de.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hvilket aksjefond?<\/strong><\/h2>\n\n\n\n<p>Velg et bredt globalt aksjefond, gjerne et indeksfond med lave kostnader. Da sprer du sparepengene over hele verden. Er du lite interessert, velg indeksfond. Det er krevende \u00e5 f\u00f8lge med om aktive fondene sl\u00e5r indeksen. Er du mer interessert kan du sette sammen en portef\u00f8lje av flere fond, forteller Bj\u00f8rn Erik.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Aksjesparekonto, investeringskonto eller direktekj\u00f8p?<\/strong><\/h2>\n\n\n\n<p>P\u00e5 en investeringskonto har du st\u00f8rre fleksibilitet og kan investere i b\u00e5de aksjefond, kombifond og rentefond. I en aksjesparekonto kan du kun kj\u00f8pe aksjer og aksjefond. I begge spareordningene kan du bytte fond uten \u00e5 betale skatt, noe du ikke kan hvis du kj\u00f8per fondene direkte. Fra neste \u00e5r skjer det endringer som gj\u00f8r at den ene kontoen vil v\u00e6re \u00e5 foretrekke. Finn ut hvilken av kontoene gutta i studio anbefaler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Utnytt et lite kjent skattetriks<\/strong><\/h2>\n\n\n\n<p>(fra 30:36) Ved \u00e5 v\u00e6re litt smart, kan unge selge aksjefondene med skattefri gevinst mens de har lav inntekt som studenter. Her er reglene noe kompliserte, s\u00e5 h\u00f8r n\u00f8ye etter.<\/p>\n\n\n\n<p>PS! Dere kan ogs\u00e5 utnytte dette skattetrikset dersom dere sparer i foreldrenes navn. Da m\u00e5 dere overf\u00f8re aksjefondene til barnet, og s\u00e5 selger barnet fondene i eget navn senere.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sp\u00f8rsm\u00e5l fra lytterne<\/strong><\/h2>\n\n\n\n<p>(fra 39:04) En Shareville-bruker sp\u00f8r: Kan foreldrene opprette en BSU-konto i barnets navn og spare der?<\/p>\n\n\n\n<p>Bj\u00f8rn Erik svarer at BSU gir en h\u00f8y innskuddsrente, men at det ikke er smart \u00e5 spare i BSU hvis barnet ikke har skattepliktig inntekt. Da f\u00e5r dere ikke utnyttet skattefradraget, som er 20 % av innskuddet Men n\u00e5r barnet f\u00e5r skattepliktig inntekt, over 55.000 kr, vil dette v\u00e6re smart.<\/p>\n\n\n\n<p>En kunde p\u00e5 Shareville, Ingeborg, lurer p\u00e5 vi har noen tips til hvordan hun kan l\u00e6re sine barn gode sparevaner. Bj\u00f8rn Erik anbefaler foreldre \u00e5 snakke om penger og arbeid \u2013 forbruk og sparing med barna.Han p\u00e5peker viktigheten av \u00e5 f\u00e5 et bevisst forhold til penger og eget forbruk. Bj\u00f8rn Erik avsl\u00f8rer at han nok har snakket litt for mye om penger med barna sine, ettersom ungene sp\u00f8r om hvor mye penger de har i banken, i aksjefond \u2013 og hvordan b\u00f8rsen gikk i dag. Bj\u00f8rn Erik deler flere tips til hvordan foreldre kan oppdra barna sine til \u00e5 f\u00e5 sunne \u00f8konomiske vaner.<\/p>\n\n\n\n<p>Det siste sp\u00f8rsm\u00e5let er om foreldre skal prioritere barneforsikring eller barnesparing. Du f\u00e5r h\u00f8re Bj\u00f8rn Erik sitt syn p\u00e5 dette avslutningsvis i denne episoden av #pengepodden.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nordnet.no\/blogg\/slik-sparer-dere-smart-til-barna\/\" class=\"rank-math-link\">Her kan du lese mer om hvordan Nordnets spare\u00f8konom sparer til barna sine.<\/a><\/p>\n\n\n\n<p><a data-wpel-link=\"external\" href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer\">Abonner via RSS<\/a><\/p>\n\n\n\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>I denne episoden av #pengepodden er temaet sparing til barn \u2013 og hvordan foreldre kan gi en \u00f8konomisk starthjelp til barna inn i voksenlivet. Dette har blitt enda viktigere, n\u00e5 som bankene krever minst 15 % egenkapital ved boligkj\u00f8p. Du f\u00e5r h\u00f8re en historie fra ei jente som kom inn p\u00e5 boligmarkedet allerede i begynnelsen [&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-33026","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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