{"id":33192,"date":"2018-05-15T13:19:14","date_gmt":"2018-05-15T11:19:14","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33192"},"modified":"2026-03-11T17:43:12","modified_gmt":"2026-03-11T16:43:12","slug":"pengepodden-sparing-velg-riktig-rentefond","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-velg-riktig-rentefond\/","title":{"rendered":"#pengepodden sparing \u2013 Velg riktig rentefond"},"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%2F444311556&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>Dagens tema er rentefond og rentemarkedet. Vi har invitert Maria Granlund, portef\u00f8ljeforvalter og kredittanalytiker i Alfred Berg Kapitalforvaltning, for \u00e5 guide oss gjennom rentefondsjungelen.<\/p>\n<p>Noe mange ikke er klar over er at rentemarkedet faktisk er st\u00f8rre enn aksjemarkedet p\u00e5 verdensbasis. Likevel skrives og snakkes det langt mer om aksjemarkedet enn rentemarkedet. H\u00f8r mer om investeringer i rentemarkedet, og hvordan du kan velge riktig fond, i denne spareutgaven av #pengepodden.<\/p>\n<h2><strong>Klassifisering av rentefond<\/strong><\/h2>\n<p>(fra 07:47) Bj\u00f8rn Erik og Maria g\u00e5r gjennom de ulike hovedtypene av rentefondene; pengemarkedsfond, obligasjonsfond og high yield rentefond. Du f\u00e5r blant annet h\u00f8re mer om de to risikofaktorene som er i et obligasjonsfond: Renterisiko og kredittrisiko. Renterisiko m\u00e5les ved durasjon, eller l\u00f8petid. Jo h\u00f8yere l\u00f8petid p\u00e5 obligasjonen, jo mer svinger den i verdi. Kredittrisiko dreier seg om hvor sannsynlig det er at en utsteder klarer \u00e5 betale tilbake det de skylder.<\/p>\n<p>High yield-rentefond investerer i h\u00f8yrenteobligasjoner med h\u00f8yere kredittrisiko enn investment grade, som er de sikreste papirene. Du f\u00e5r h\u00f8re mer om risikoen som finnes i denne typen obligasjonsfond, og et eksempel fra finanskrisen hvor high-yield-obligasjonsfond falt med med ca 20 %.<\/p>\n<h2><strong>Avkastning og risiko i rentefond<\/strong><\/h2>\n<p>(fra 16:00) Bj\u00f8rn Erik lister opp gjennomsnittlig historisk avkastning de siste fem \u00e5rene for de ulike norskregistrerte rentefondene:<\/p>\n<ul>\n<li>Pengemarkedsfond: ca 2 % \u00e5rlig avkastning<\/li>\n<li>Obligasjonsfond: 2-3 % \u00e5rlig avkastning<\/li>\n<li>High yield-rentefond: nesten 5 % \u00e5rlig avkastning<\/li>\n<\/ul>\n<p>Dette er omtrent som forventet \u2013 og du har f\u00e5tt betalt for \u00e5 ta renterisiko og kredittrisiko, kommenterer de.<\/p>\n<p>Selv i urolige tider skal pengemarkedsfond og obligasjonsfond med investment grade-papirer v\u00e6re temmelig sikre, men kundene kan oppleve negativ avkastning i perioder, kommenterer Maria. Bj\u00f8rn Erik trekker frem kostnadene i rentefond. Jo lavere forventet avkastning, jo lavere m\u00e5 kostnadene v\u00e6re.<\/p>\n<p><a href=\"https:\/\/www.nordnet.no\/rantetorget\/rantefonder.html\">Finn ut mer om rentefond hos Nordnet<\/a><\/p>\n<h2><strong>Rentene er p\u00e5 vei opp \u2013 konsekvenser for rentefondene<\/strong><\/h2>\n<p>(fra 22:26) Sp\u00f8rsm\u00e5let alle stiller seg, er n\u00e5r rentene begynner \u00e5 stige og hvor fort det skjer. I USA har allerede rentene steget en stund. Hvilke konsekvenser vil en renteoppgang f\u00e5 for de ulike rentefondene? Maria forteller at hvis rentene stiger gradvis, vil kunden fortsatt f\u00e5 en ok avkastning i rentefondene. Da vil den l\u00f8pende kupongrenten overstige verdifallet som f\u00f8lge av stigende renter, og totalavkastningen vil bli positiv. Og de nye obligasjonene som forvalteren kj\u00f8per i neste m\u00e5ned, vil gi en h\u00f8yere l\u00f8pende avkastning. Som renteforvalter ser jeg faktisk frem til \u00e5 f\u00e5 h\u00f8yere l\u00f8pende avkastning p\u00e5 obligasjonene i fondet mitt, sier Maria.<\/p>\n<p>Hun forteller videre at i det nordiske obligasjonsmarkedet har vi mange papirer med kort durasjon, i motsetning til USA, hvor det stort sett er lang durasjon. En renteoppgang vil derfor ramme eiere av nordiske obligasjonsfond mindre enn eiere av amerikanske obligasjonsfond, som vil f\u00e5 en st\u00f8rre \u00abhit\u00bb hvis renten stiger mye og raskt. Du f\u00e5r ogs\u00e5 h\u00f8re mer om hvorfor obligasjoner med lang durasjon er attraktivt blant investorer, selv om de fleste er negative til slike papirer n\u00e5.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-33194\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-1024x683.jpg\" alt=\"\" width=\"770\" height=\"514\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-1024x683.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-150x100.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-620x413.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-768x512.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-370x247.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-270x180.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/05\/Bruk-740x493.jpg 740w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/p>\n<h2><strong>Alfred Berg Income, et \u00abnordisk cross-over rentefond\u00bb <\/strong><\/h2>\n<p>(fra 31:00) Maria forteller litt om fondet hun forvalter. Forvaltningskapitalen er p\u00e5 knappe 4 mrd kr, fondet tar moderat kredittrisiko som investerer i b\u00e5de investment grade og h\u00f8yrenteobligasjoner. Avkastningen siden oppstart er ca 4 %, litt lavere siste \u00e5ret: 3,1 %. Bj\u00f8rn Erik forteller at en analyse fra Morningstar viser at de fleste rentefondene taper mot indeksen etter kostander. Finn ut hva Maria begrunner dette med i denne episoden av #pengepodden.<\/p>\n<h2><strong>Sp\u00f8rsm\u00e5l fra lytterne<\/strong><\/h2>\n<p>(38:06) \u00abMr Hunter\u00bb p\u00e5 Shareville og @Trond Emil \u00c5nes p\u00e5 Twitter sp\u00f8r: Har man lang sparehorisont s\u00e5 b\u00f8r man investere 100% i aksjer \u2013 hva mener renteforvalteren om denne p\u00e5standen? H\u00f8r Marias tanker om dette i denne podcast-episoden.<\/p>\n<p>@Compoundinterest p\u00e5 Twitter sp\u00f8r: Hvor mye kan man stole p\u00e5 graderingen (ratingen) p\u00e5 obligasjonene i et fond \u2013 jeg stoler ikke 100% p\u00e5 Moodys, S&amp;P m.fl. \u00a0Maria svarer at hun stoler p\u00e5 kredittratingbyr\u00e5ene, selv om de hadde tillitsproblemer etter finanskrisen. Byr\u00e5ene har blitt mye bedre. Finn ut hvilke flere grep Maria tar for \u00e5 sikre at ratingen av obligasjonsfondene er riktig satt.<\/p>\n<p>H\u00f8r forrige episode av #pengepodden sparing: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-smart-sparing-til-barn\/?autoplay=1\" rel=\"noopener\">Smart sparing til barn<\/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>Dagens tema er rentefond og rentemarkedet. Vi har invitert Maria Granlund, portef\u00f8ljeforvalter og kredittanalytiker i Alfred Berg Kapitalforvaltning, for \u00e5 guide oss gjennom rentefondsjungelen. Noe mange ikke er klar over er at rentemarkedet faktisk er st\u00f8rre enn aksjemarkedet p\u00e5 verdensbasis. Likevel skrives og snakkes det langt mer om aksjemarkedet enn rentemarkedet. H\u00f8r mer om investeringer [&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-33192","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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