{"id":33692,"date":"2018-07-10T14:43:59","date_gmt":"2018-07-10T12:43:59","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33692"},"modified":"2026-03-11T17:43:12","modified_gmt":"2026-03-11T16:43:12","slug":"pengepodden-sparing-borsnoterte-fond-etfer-indeksfondenes-ukjente-storebror","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-borsnoterte-fond-etfer-indeksfondenes-ukjente-storebror\/","title":{"rendered":"#pengepodden sparing &#8211; B\u00f8rsnoterte fond (ETFer) &#8211; indeksfondenes ukjente storebror"},"content":{"rendered":"\n<figure class=\"wp-block-embed-soundcloud wp-block-embed is-type-rich is-provider-soundcloud wp-embed-aspect-4-3 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<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%2F469761381&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Dagens tema er ETFer, Exchange Traded Funds, eller b\u00f8rsnoterte fond p\u00e5 norsk. Man kan si at ETF er indeksfondenes lite kjente lillebror, som de siste \u00e5rene har vokst seg s\u00e5 stor at den har blitt storebror. Enkelt forklart er ETF et indeksfond du kan handle p\u00e5 samme m\u00e5te som en vanlig aksje.<\/p>\n\n\n\n<p>V\u00e5r spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem har invitert Thorstein Botten i studio, en av Norges sv\u00e6rt f\u00e5 ETF-forvaltere. Han driver et lite selskap med navn Beaufort AS, som forvalter penger for et knippe formuende kunder gjennom ETFer. I podden f\u00e5r du h\u00f8re mer om fordeler og ulemper med investeringer i denne fondstypen, og hvordan du kan finne frem i ETF-jungelen.<\/p>\n\n\n\n<p>Thorstein forteller historien om etableringen av ETF-markedet, som startet for ca. 20 \u00e5r siden med State Street Bank i USA, som laget den f\u00f8rste ETFen som speilet SP500-indeksen.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik nevner at ETFer er relativt lite kjent blant norske sparere, men bedre kjent blant v\u00e5re svenske og danske kunder. Det er flest institusjonelle investorer som eier ETFer. Men privatmarkedet kommer etter, s\u00e6rlig i USA. Bj\u00f8rn Erik forteller at de fondstypene som vokser mest er ETFer og indeksfond, mens aktive fond sliter i motbakke. Finn ut hva Thorstein mener \u00e5rsaken til dette er i denne episoden av #pengepodden.<\/p>\n\n\n\n<p><\/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 has-text-color has-white-color has-background has-blue-background-color\" href=\"https:\/\/www.nordnet.no\/no\/marked\/etf\">L\u00e6r mer om ETFer<\/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\/no\/marked\/etf\/etf-inspirasjon\">ETF-inspirasjon<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fordeler og ulemper med ETF<\/h2>\n\n\n\n<p>Gutta snakker om fordelene med ETFer, og lister opp:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Lave kostnader. Fra 0,05 til ca 1 % i \u00e5rlig forvaltningshonorar + kurtasje. ETFer som f\u00f8lger de brede indeksene er rimeligst. Fra 0,05 % for ETF p\u00e5 SP500.<\/li><li>Veldig god likviditet \u2013 handles p\u00e5 sekundet. Viktig i perioder n\u00e5r markedet svinger mye. Et ordin\u00e6rt verdipapirfond handles en gang om dagen til en ukjent pris. Og oppgj\u00f8ret tar 2-3 dager.<\/li><li>Du er sikret indeksens avkastning etter kostnader.<\/li><li>Stort utvalg &#8211; utvalget av ETFer er betydelig st\u00f8rre enn utvalget av indeksfond.<\/li><\/ul>\n\n\n\n<p><strong>Ulempene diskuteres ogs\u00e5: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Kurtasje ved kj\u00f8p og salg. Derfor egner ETFer seg d\u00e5rlig til mindre bel\u00f8p.<\/li><li>Spread \u2013 differanse mellom kj\u00f8p og salg. Tips: Kj\u00f8p ETFer n\u00e5r den lokale b\u00f8rsen er \u00e5pen.<\/li><li>God likviditet kan stimulere til kortsiktighet \u2013 \u00e5 trade i fond. Noe som sjelden gir meravkastning.<\/li><li>Kompliserte navn. Vanskelig \u00e5 finne frem.<\/li><\/ul>\n\n\n\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-33696\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-1024x766.jpg\" alt=\"\" width=\"770\" height=\"576\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-1024x766.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-150x112.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-620x464.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-768x575.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-370x277.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-270x202.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-740x554.jpg 740w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Thorstein-Botten-og-BE2-80x60.jpg 80w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><br><em style=\"color: #808080\">Spare\u00f8konom i Nordnet, Bj\u00f8rn Erik S\u00e6ttem, og ETF-forvalter, Thorstein Botten.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hvordan finne frem i ETF-jungelen?<\/h2>\n\n\n\n<p>Det er knappe 4000 ulike ETFer p\u00e5 Nordnet-plattformen. Hvor skal man begynne, sp\u00f8r Bj\u00f8rn Erik.<\/p>\n\n\n\n<p>iShares, Vanguard og State Street er de tre st\u00f8rste ETF-tilbyderne. Deutche Bank er stor i Europa, i tillegg til et par franske. Holder du deg til de 5-6 st\u00f8rste, og hvis du passer p\u00e5 at ETFen har forvaltningskapital p\u00e5 minst 30 millioner euro, b\u00f8r du v\u00e6re rimelig trygg p\u00e5 at ETFen er likvid i alle markeder.<\/p>\n\n\n\n<p>Det finnes flere gode nettsider for ETFer, blant dem er JustETF.com ogetfdb.com, forteller Thorstein. Et annet tips er \u00e5 bruke Google \u2013 \u00e5 skrive inn for eksempel \u00abbest global equity ETF\u00bb &#8211; da kommer man ofte frem til en ferdig sortert liste p\u00e5 en av disse nettsidene.<\/p>\n\n\n\n<p>Et nyttig blogginnlegg for \u00e5 l\u00e6re mer om ETF er Den store ETF-guiden. <a href=\"https:\/\/blogg.nordnet.no\/den-store-etf-guiden\/\" rel=\"noopener\">https:\/\/blogg.nordnet.no\/den-store-etf-guiden\/<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sp\u00f8rsm\u00e5l fra lytterne<\/h2>\n\n\n\n<p>\u201dCompoundinterest\u201d p\u00e5 Shareville lurer p\u00e5 hva ETF-forvalteren synes om ETFen med tickerkoden AIEQ. Dette er en ETF som er basert p\u00e5 IBM\u2019s Watson Artificial Intelligence (AI) \u2013 som plukker ut amerikanske aksjer basert p\u00e5 AI. H\u00f8r hva Thorstein mener om denne ETFen.<\/p>\n\n\n\n<p>\u201dKenny Starfighter\u201d p\u00e5 Shareville lurer p\u00e5 hva som er status i Nordnet for salg av amerikanske ETFer, som f\u00f8lge av nytt EU-regelverk. Bj\u00f8rn Erik svarer at amerikanske ETFer fremdeles er tilgjengelig p\u00e5 Nordnets norske plattform, med unntak av at noen titalls ETFer har blitt klassifisert som ikke egnet for retail-markedet. Vi venter fortsatt p\u00e5 endelig regelverk i Norge.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik avslutter med \u00e5 tipse om et nettm\u00f8te som Thorstein Botten deltok p\u00e5 i juni hos Nordnet. Her f\u00e5r du blant annet flere konkrete eksempler p\u00e5 ETFer man kan investere i. Se hele nettm\u00f8te:<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" width=\"770\" height=\"433\" src=\"https:\/\/www.youtube.com\/embed\/t5QZf6w9UZU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>H\u00f8r forrige episode av #pengepodden sparing: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-er-skattefordelene-i-ips-verdt-bindingstiden\/?autoplay=1\" rel=\"noopener\">Er skattefordelene i IPS verdt bindingstiden?<\/a><\/p>\n\n\n\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\n\n\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\n\n\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>Dagens tema er ETFer, Exchange Traded Funds, eller b\u00f8rsnoterte fond p\u00e5 norsk. Man kan si at ETF er indeksfondenes lite kjente lillebror, som de siste \u00e5rene har vokst seg s\u00e5 stor at den har blitt storebror. Enkelt forklart er ETF et indeksfond du kan handle p\u00e5 samme m\u00e5te som en vanlig aksje. V\u00e5r spare\u00f8konom Bj\u00f8rn [&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-33692","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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