{"id":33439,"date":"2018-06-12T15:18:25","date_gmt":"2018-06-12T13:18:25","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33439"},"modified":"2026-03-11T17:14:22","modified_gmt":"2026-03-11T16:14:22","slug":"pengepodden-sparing-hvor-gar-renten-aksjemarkedet-og-boligmarkedet","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-hvor-gar-renten-aksjemarkedet-og-boligmarkedet\/","title":{"rendered":"#pengepodden sparing \u2013 Hvor g\u00e5r renten, aksjemarkedet og boligmarkedet?"},"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%2F457293879&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>Tema i dagens episode er hvordan norsk og internasjonal \u00f8konomi p\u00e5virker v\u00e5r lommebok og v\u00e5r sparing. Spare\u00f8konom Bj\u00f8rn Erik har bes\u00f8k av Joachim Bernhardsen, makro\u00f8konom i Nordea Markets.<\/p>\n<p>Bj\u00f8rn Erik oppsummerer situasjonen i norsk \u00f8konomi slik: Rekordlav arbeidsledighet, \u00f8kende l\u00f8nnsvekst og stadig nye toppnoteringer p\u00e5 Oslo B\u00f8rs. Renten er rekordlav, men skal gradvis settes opp. Joachim er enig i at det g\u00e5r bra i norsk \u00f8konomi, og sier at Norge b\u00e5de har hatt flaks og v\u00e6rt dyktige. Han mener vi g\u00e5r noen gode \u00e5r i vente, og at de st\u00f8rste risikofaktorene er eksterne faktorer internasjonalt, som for eksempel lavere vekst i Kina.<\/p>\n<h2>Rentene skal opp, men ikke s\u00e5 mye (09:44)<\/h2>\n<p>Forrige gang Norges Bank hevet renten var i mai 2011, over 7 \u00e5r siden. Det er dermed mange f\u00f8rstegangsetablerere som aldri har opplevd renteoppgang p\u00e5 l\u00e5nene sine, forteller Bj\u00f8rn Erik.<\/p>\n<p>Nordea tror f\u00f8rste rente\u00f8kning fra Norges Bank kommer i september, og forventer gradvise rente\u00f8kningen de n\u00e6rmeste \u00e5rene, forteller Joachim. Han er imidlertid ikke spesielt bekymret for at norske husholdninger vil f\u00e5 problemer med \u00e5 betjene l\u00e5nene sine, selv om rentene skulle stige med 1-2 prosentpoeng de neste par \u00e5rene. \u00c5rsaken er at vi har f\u00e5tt mye bedre r\u00e5d de siste \u00e5rene.<\/p>\n<p>Gutta diskuterer om den langsiktige \u00abnormalrenten\u00bb har falt de siste \u00e5rene pga. lavere inflasjonsforventninger, flere eldre i befolkningen &#8211; som sparer mye etc. Joachim er enig at normalrenten har falt, men han mener den ikke har falt s\u00e5 mye som mange hevder, og at det er usikkert om den lave normalrenten er permanent.<\/p>\n<p>Bj\u00f8rn Erik forteller at han har bundet mesteparten av boligl\u00e5net p\u00e5 10 \u00e5r, til en fastrente p\u00e5 rundt 3,0 \u2013 og at han anser det som en billig forsikring. Joachim mener at flere b\u00f8r vurdere fastrente n\u00e5, og at timingen for rentebinding er god.<\/p>\n<h2>Norske kroner skal styrkes (30:15)<\/h2>\n<p>Det er snart sommerferie og nordmenn er mer opptatt enn vanlig av kronekursen. Historisk sett er norske kroner svak mot b\u00e5de euro og dollar \u2013 p\u00e5 tross av at oljeprisen ligger p\u00e5 over 75 dollar.<\/p>\n<p>Joachim forteller at Nordea tror kronen skal opp mot andre valutaer, prim\u00e6rt p\u00e5 grunn av at Norges Bank vil sette opp renten i andre halv\u00e5r.<\/p>\n<p>Bj\u00f8rn Erik konfronterer Joachim med en masteroppgave fra NHH fra i vinter som konkluderte med at valutakursprognoser er verdil\u00f8se, fordi de er s\u00e5 lite treffsikre. H\u00f8r hva Joachim sier til sitt forsvar.<\/p>\n<p>Gutta diskuterer om det er et poeng \u00e5 valutasikre internasjonale aksje- og rentefond, siden kronen forventes \u00e5 styrke seg fremover. Joachim mener det kan v\u00e6re smart \u00e5 valutasikre internasjonale fond, siden kronekursen er s\u00e5 svak som den er. Bj\u00f8rn Erik er enig, og legger til at valutasikring av internasjonale rentefond alltid vil v\u00e6re \u00e5 anbefale, siden valutasvingninger lett kan \u00f8delegge m\u00e5lsettingen om en lav og stabil renteavkastning.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-33441\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim.jpg\" alt=\"\" width=\"538\" height=\"344\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim.jpg 538w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim-150x96.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim-370x237.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim-270x173.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/06\/BE-og-Joachim-470x300.jpg 470w\" sizes=\"auto, (max-width: 538px) 100vw, 538px\" \/><\/p>\n<h2>Aksjemarkedet er dyrt og vanskelig \u00e5 time (39:39)<\/h2>\n<p>Gutta i studio er enige om at aksjemarkedet er dyrt m\u00e5lt etter de fleste m\u00e5ltall, som PE (price\/earnings) eller PB (price to book ratio). Den h\u00f8ye prisingen skyldes dels at rentene er s\u00e5 lave, s\u00e5 alternativavkastningen i bank og renter er lite attraktiv.<\/p>\n<p>Det er likevel vanskelig \u00e5 time markedet, s\u00e5 det \u00e5 selge seg ned i aksjer n\u00e5, kan medf\u00f8re at du g\u00e5r glipp av den siste delen av oppgangen, mener Bj\u00f8rn Erik.<\/p>\n<p>Det er ingen klar sammenheng mellom utviklingen i aksjemarkedet og utviklingen i rentemarkedet, viser historiske korrelasjoner. P\u00e5 riktig lang sikt, de siste 30 \u00e5rene, har vi sett av rentene har falt over hele verden, og i denne perioden har aksjemarkedet g\u00e5tt sv\u00e6rt bra. Det viktigste er \u00e5 se p\u00e5 hva det er som driver renteutviklingen. Er det utsikter til h\u00f8yere vekst, inflasjon eller sentralbanktrykking, sier Joachim.<\/p>\n<p><a href=\"http:\/\/www.mippbloggen.no\/2017\/02\/22\/disse-nokkeltallene-hva-er-egentlig-pe-og-pb\/\" rel=\"noopener\">Hva er egentlig PE og PB?<\/a><\/p>\n<h2>Boligmarkedet er friskmeldt (48:57)<\/h2>\n<p>\u00abAlle\u00bb er enige om at boligprisfallet ligger bak oss. Joachim og hans kolleger i Nordea har lenge hevdet at vi ikke har noen boligboble, fordi prisoppgangen kan forklares ut fra utviklingen i renter og l\u00f8nnsinntekt.<\/p>\n<p>Nordea forventer at boligmarkedet t\u00e5ler en moderat gradvis renteoppgang fra sentralbanken. Norske husholdninger har generelt god r\u00e5d og gode buffere og vil t\u00e5le en noe h\u00f8yere rente. Ett prosentpoeng h\u00f8yere rente p\u00e5 et l\u00e5n p\u00e5 tre millioner kroner utgj\u00f8r 33 kroner ekstra hver dag. Siden de fleste l\u00e5ntakere har annuitetsl\u00e5n, blir den \u00f8kte rentebelastningen om lag halvert p\u00e5 grunn av l\u00e5nets konstruksjon, forteller Joachim.<\/p>\n<h2>Sp\u00f8rsm\u00e5l fra lytterne (56:30)<\/h2>\n<p>Sendingen rundes av med et sp\u00f8rsm\u00e5l fra Erling, som skriver at han er en fast lytter av podden. Han lurer p\u00e5 om gutta kan svare p\u00e5 hvordan en eventuell rentehevning i USA vil p\u00e5virke renten i Europa og i Norge. H\u00f8r hva Bj\u00f8rn Erik og Joachim mener om dette avslutningsvis i denne #pengepodden-episoden.<\/p>\n<p>H\u00f8r ogs\u00e5 forrige episode av #pengepodden sparing: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-slik-sparer-unge-seg-inn-i-boligmarkedet\/?autoplay=1\" rel=\"noopener\">Slik sparer unge seg inn i boligmarkedet<\/a><\/p>\n<p><a href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">Abonner via RSS<\/a><\/p>\n<p><a href=\"https:\/\/soundcloud.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" 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 nofollow\" data-wpel-link=\"external\">Abonner via iTunes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tema i dagens episode er hvordan norsk og internasjonal \u00f8konomi p\u00e5virker v\u00e5r lommebok og v\u00e5r sparing. Spare\u00f8konom Bj\u00f8rn Erik har bes\u00f8k av Joachim Bernhardsen, makro\u00f8konom i Nordea Markets. Bj\u00f8rn Erik oppsummerer situasjonen i norsk \u00f8konomi slik: Rekordlav arbeidsledighet, \u00f8kende l\u00f8nnsvekst og stadig nye toppnoteringer p\u00e5 Oslo B\u00f8rs. Renten er rekordlav, men skal gradvis settes opp. [&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-33439","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 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