{"id":33862,"date":"2018-07-24T14:49:44","date_gmt":"2018-07-24T12:49:44","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33862"},"modified":"2026-03-11T17:50:55","modified_gmt":"2026-03-11T16:50:55","slug":"pengepodden-sparing-unnga-a-bli-svindlet","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-unnga-a-bli-svindlet\/","title":{"rendered":"#pengepodden sparing &#8211; Unng\u00e5 \u00e5 bli svindlet"},"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%2F476022801&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>Tema i denne #pengepodden-episoden er \u00f8konomisk svindel. Nigeriabrev, falske nettbutikker, kortsvindel, falske fakturaer, timeshare, kryptovaluta, liksom-investeringsr\u00e5dgivere uten konsesjoner. Listen er lang, og kan utvides. Fellesnevneren er at sannsynligheten for svindel er stor. I denne episoden har spare\u00f8konomen v\u00e5r med seg Tom Staavi i studio, han er Informasjonsdirekt\u00f8r i Finans Norge, og tidligere redakt\u00f8r i Dine Penger.<\/p>\n<p>B\u00e5de Tom og Bj\u00f8rn Erik forteller at de har blitt svindlet f\u00f8r. Bj\u00f8rn Erik forteller at Visakortet hans ble tappet for 13.000 kroner en del \u00e5r tilbake, men at banken hans refunderte bel\u00f8pet raskt.<\/p>\n<p>Begge er enige om f\u00f8lgende enkle leveregel: \u00abHvis noe h\u00f8res for godt ut til \u00e5 v\u00e6re sant, er det nettopp det\u00bb.<\/p>\n<p>Gutta diskuterer om nordmenn er mer lettlurte enn folk fra andre nasjoner. De mener dette er tilfelle, fordi vi lever i et tillitssamfunn og er vant til \u00e5 kunne stole p\u00e5 folk.<\/p>\n<p>Tom forteller at det skjer mer og mer digital svindel, og finansbransjen jobber hardt for blant annet \u00e5 stoppe falske nettbanker. Bj\u00f8rn Erik g\u00e5r gjennom en del tips for \u00e5 unng\u00e5 \u00e5 bli svindlet p\u00e5 nett.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-33863\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-1024x536.jpg\" alt=\"\" width=\"770\" height=\"403\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-1024x536.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-150x79.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-620x324.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-768x402.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-370x194.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-270x141.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628-740x387.jpg 740w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/07\/Bj\u00f8rn-Erik-og-Tom-Staavi-1200x628.jpg 1200w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/p>\n<h2>Liksom-investeringsr\u00e5dgivere som svindler eldre<\/h2>\n<p>(fra 17:55) Bj\u00f8rn Erik trekker frem det ferskeste eksempelet p\u00e5 \u00f8konomisk svindel: Dagens N\u00e6ringsliv (og Kapital) har i juni skrevet flere store artikler om eldre personer som har blitt svindlet for til sammen flere hundre millioner kroner. Svindelfirmaene heter Omicron og Indigo Finans, som har snakket til seg flere hundre millioner kroner fra eldre investorer.<\/p>\n<p>Dette er selskaper som ikke har hatt konsesjoner eller tillatelser som er lovp\u00e5lagt banker og fondsforvaltere, s\u00e5 de har i stor grad operert under radaren til myndighetene.<\/p>\n<p>Tom forteller om at finansielle r\u00e5dgiverne i norske banker m\u00e5 gjennom en autorisasjonsordning for \u00e5 bli godkjent, og at dette har v\u00e6rt et gedigent kompetansel\u00f8ft i finansbransjen de siste \u00e5rene. Ordningen sikrer at kundene f\u00e5r h\u00f8y kvalitet p\u00e5 r\u00e5dgivningen. I dag er ca 6.000 r\u00e5dgivere i Bank-Norge autorisert.\u00a0 P\u00e5 <a href=\"http:\/\/www.finaut.no\" rel=\"noopener\">www.finaut.no<\/a> kan du finne ut om din r\u00e5dgiver er sertifisert. P\u00e5 <a href=\"http:\/\/www.finanstilsynet.no\/konsesjonsregisteret\" rel=\"noopener\">www.finanstilsynet.no\/konsesjonsregisteret<\/a> kan du se om et finansielt selskap har n\u00f8dvendige konsesjoner, forteller de.<\/p>\n<p>Bj\u00f8rn Erik stiller sp\u00f8rsm\u00e5l om hvor Finanstilsynet har v\u00e6rt i disse sakene, siden svindlerne har f\u00e5tt operere ganske fritt i flere \u00e5r. I denne episoden f\u00e5r du h\u00f8re mer om hvorfor Tom mener Forbrukermyndighetene har skuffet de siste \u00e5rene.<\/p>\n<h2>Bankens r\u00e5salg av l\u00e5nefinansierte aksjeindeksobligasjoner<\/h2>\n<p>(fra 34:36) B\u00e5de Bj\u00f8rn Erik og Tom var med \u00e5 rulle opp bankens r\u00e5salg av l\u00e5nefinansierte aksjeindeksobligasjoner p\u00e5 begynnelsen av 2000-tallet, mens de jobbet som redakt\u00f8rer i Dine Penger. Gutta diskuterer den lite hyggelige historien, hvor tusenvis av kunder f\u00f8lte seg lurt av banken sin. Noen kunder fikk tilbake tapet, takket v\u00e6re sm\u00e5spareren R\u00f8eggen, som vant i H\u00f8yesterett.<\/p>\n<p>Tom sier at han fremdeles mener at l\u00e5nefinansierte aksjeindeksobligasjoner er \u00abidiotprodukter\u00bb, som han skrev i VG i 2014. I selvransakelsens tegn innser nok finansbransjen at disse produktene ikke burde v\u00e6rt solgt, innr\u00f8mmer han.<\/p>\n<p>I kj\u00f8lvannet av denne skandalen har finansbransjen innf\u00f8rt en selvp\u00e5lagt ordning for autorisering av finansielle r\u00e5dgivere. Produktene som selges i banker og livselskaper i dag er gjennomg\u00e5ende gode, sier Tom.<\/p>\n<p>Bj\u00f8rn Erik forteller litt om at det gjennom flere \u00e5r har blitt innf\u00f8rt bedre regler for beskyttelse av investorer og sparere. F\u00f8rst kom Mifid 1 i 2007 &#8211; S\u00e5 Mifid II i januar 2018. Blant annet er det n\u00e5 enda st\u00f8rre transparens ved kostnader \u2013 at nordnet.no m\u00e5 vise totale kostnader i alle fond \u2013 samt returprovisjoner i alle fond.<\/p>\n<h2>Kryptovaluta (53:55)<\/h2>\n<p>Tom forteller at han har brukt mye tid det siste \u00e5ret p\u00e5 \u00e5 forst\u00e5 kryptovaluta. I podden utdyper han sine synspunkter fra finansbransjens st\u00e5sted.<\/p>\n<p>H\u00f8r ogs\u00e5 forrige episode av #pengepodden: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-investor-innsiderne-vet-best\/?autoplay=1\" rel=\"noopener\">Innsiderne vet best<\/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 denne #pengepodden-episoden er \u00f8konomisk svindel. Nigeriabrev, falske nettbutikker, kortsvindel, falske fakturaer, timeshare, kryptovaluta, liksom-investeringsr\u00e5dgivere uten konsesjoner. Listen er lang, og kan utvides. Fellesnevneren er at sannsynligheten for svindel er stor. I denne episoden har spare\u00f8konomen v\u00e5r med seg Tom Staavi i studio, han er Informasjonsdirekt\u00f8r i Finans Norge, og tidligere redakt\u00f8r i Dine [&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-33862","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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