{"id":34055,"date":"2018-08-21T13:59:49","date_gmt":"2018-08-21T11:59:49","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=34055"},"modified":"2026-03-11T17:56:51","modified_gmt":"2026-03-11T16:56:51","slug":"pengepodden-sparing-100-prosent-aksjer-til-du-dor","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-100-prosent-aksjer-til-du-dor\/","title":{"rendered":"#pengepodden sparing \u2013 100 prosent aksjer til du d\u00f8r!"},"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%2F488525574&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>I denne episoden av #pengepodden sparing er temaet \u00abHvor h\u00f8y aksjeandel b\u00f8r du ha i din portef\u00f8lje?\u00bb. I studio er v\u00e5r spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og Nordnetsjefen Anders Skar.<\/p>\n<p>Gutta forteller at Nordnet har v\u00e6rt i media i sommer og kritisert pensjonsleverand\u00f8rene for \u00e5 ha for lav aksjeandel i kundenes innskuddspensjon og private pensjonssparing. Bakgrunnen er nye regnestykker de har gjort basert p\u00e5 150 \u00e5rs aksje- og rentehistorikk. Saken har blitt omtalt i en rekke medier, blant annet <a href=\"https:\/\/www.dn.no\/nyheter\/2018\/06\/30\/1309\/Privatokonomi\/egil-meihack-trosser-pensjonsrad-jeg-har-selvsagt-100-prosent-i-aksjer\" rel=\"noopener\">DN.no<\/a> og <a href=\"https:\/\/www.abcnyheter.no\/penger\/privatokonomi\/2018\/08\/14\/195423638\/100-prosent-i-aksjer-til-du-dor\" rel=\"noopener\">ABCNyheter<\/a> og sist <a href=\"https:\/\/finansavisen.no\/news\/5577\/242\/100-aksjer-100-av-tiden\" rel=\"noopener\">Finansavisen<\/a>.<\/p>\n<p>Nesten alle pensjonsforvaltere anbefaler en kombinasjon av aksjer og renter i innskuddspensjon og \u00f8vrig pensjonssparing. V\u00e5re regnestykker, basert p\u00e5 150 \u00e5rs aksje- og rentehistorikk, viser imidlertid at kundene vil f\u00e5 en langt h\u00f8yere pensjon ved \u00e5 sitte med en ren aksjefondsportef\u00f8lje helt frem til pengene utbetales \u2013 s\u00e5fremt du har lang nok sparehorisont og har nerver til \u00e5 sitte gjennom b\u00f8rsnedturene, forteller de.<\/p>\n<p>I podden g\u00e5r gutta gjennom regne\u00f8velsene som ligger til grunn for konklusjonen om at en ren aksjefondsportef\u00f8lje sl\u00e5r kombinasjonsfondene ned i st\u00f8vlene \u2013 for ALLE \u00e5rskull de siste 100 \u00e5rene \u2013 s\u00e5fremt du har en lang nok spare- ut utbetalingshorisont. Regne\u00f8velsene kan du lese mer om i denne <a href=\"https:\/\/blogg.nordnet.no\/100-prosent-aksjer-til-du-dor\/\" rel=\"noopener\">bloggen<\/a>.<\/p>\n<p><a href=\"https:\/\/finansavisen.no\/news\/5577\/242\/100-aksjer-100-av-tiden\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-34057 size-full\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1.jpg\" alt=\"\" width=\"768\" height=\"611\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1-150x119.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1-620x493.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1-370x294.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1-270x215.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/1-1-740x589.jpg 740w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/a><\/p>\n<h2>Nesten dobbelt s\u00e5 store pensjonsutbetalinger ved \u00e5 velge 100 prosent aksjer<\/h2>\n<p>(fra 13:31) Spareprofilen med 100 prosent aksjer har nesten dobbelt s\u00e5 h\u00f8ye samlede pensjonsutbetalinger (87 prosent h\u00f8yere utbetalinger) sammenlignet med alderstilpasset spareprofil, regnet som et snitt for alle \u00e5rskullene, forteller gutta.<\/p>\n<p>Sammenlignet med 100 prosent aksjer med balansert profil er forskjellen i samlede pensjonsutbetalinger astronomiske, hele 800 prosent! (Se graf under)<\/p>\n<p>Vi ble veldig overrasket over at forskjellene i pensjonsutbetalinger mellom de tre spareprofilene var s\u00e5 store \u2013 og at ingen av \u00e5rskullene har tapt p\u00e5 \u00e5 g\u00e5 \u00aball in\u00bb i aksjer. Vi m\u00e5tte etterregne flere ganger, forteller Bj\u00f8rn Erik.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-34058\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf.png\" alt=\"\" width=\"659\" height=\"385\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf.png 659w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf-150x88.png 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf-620x362.png 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf-370x216.png 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/08\/Graf-270x158.png 270w\" sizes=\"auto, (max-width: 659px) 100vw, 659px\" \/><\/p>\n<p>Forklaring til grafen:<em> Bl\u00e5 linje viser samlet pensjonsutbetaling i forhold til sluttl\u00f8nn for en spareprofil med 100 % aksjer i hele spare- og utbetalingsperioden. R\u00f8d linje viser samlet pensjonsutbetaling ift sluttl\u00f8nn for alderstilpasset spareprofil. Gr\u00f8nn linje viser samlet pensjonsutbetaling ift sluttl\u00f8nn for balansert spareprofil. Den bl\u00e5 linjen ligger alltid \u00f8verst \u2013 noe som betyr at en spareprofil med 100 % aksjer har gitt h\u00f8yere samlede pensjonsutbetalinger for absolutt alle v\u00e5re 97 \u00e5rskull. I gjennomsnitt ligger bl\u00e5 linje nesten dobbelt s\u00e5 h\u00f8yt som r\u00f8d linje \u2013 og nesten 8 ganger h\u00f8y som gr\u00f8nn linje. (Graf: Kilde: Nordnet, Holberg Fondene, Macrobond og Norges Bank.)<\/em><\/p>\n<h2>100 prosent i aksjer passer ikke alle<\/h2>\n<p>(fra 20:40) Gutta er enig om at dette r\u00e5det ikke passer alle. Det passer fortrinnsvis for personer med kunnskap om og erfaring fra aksjeinvesteringer, som b\u00e5de har risikoevne og risikovilje.<\/p>\n<p>Har du lite fonds- og spareerfaring vil du ha lett for \u00e5 kaste kortene under kraftige b\u00f8rsfall, og r\u00f8mme over til sikre rentepapirer. Da \u00f8delegger du din langsiktige avkastning, mener Bj\u00f8rn Erik.<\/p>\n<p>En kjepphest for spare\u00f8konomen er at det er viktig \u00e5 inkludere alderspensjonen fra folketrygden n\u00e5r man regner ut aksjeandelen i pensjonssparingen. Mesteparten av pensjonsutbetalingene til nordmenn kommer fra folketrygden, og denne er i realiteten en sikker statsobligasjon. Dermed kan du ta betydelig aksjerisiko med annen pensjonssparing.<\/p>\n<h2>Sp\u00f8rsm\u00e5l fra lytterne<\/h2>\n<p>(fra 25:45) Fredrik p\u00e5 65 \u00e5r skal g\u00e5 av med pensjon om 2 \u00e5r. Han lurer p\u00e5 om spare\u00f8konomen vil anbefale ham 100 prosent aksjer i innskuddspensjonen resten av spareperioden. H\u00f8r hva spare\u00f8konomen v\u00e5r mener om dette i denne episoden av #pengepodden.<\/p>\n<p>Et annet sp\u00f8rsm\u00e5l er hvordan man b\u00f8r sette sammen en slik \u00ab100 % aksjeportef\u00f8lje\u00bb for pensjonssparing. Bj\u00f8rn Erik deler sine beste r\u00e5d og f\u00e5r innspill fra Anders.<\/p>\n<p>En annen kunde lurer p\u00e5 om han b\u00f8r valutasikre de internasjonale aksjefondene i pensjonssparingen. Gutta i studio deler sine beste r\u00e5d for \u00e5 sette sammen en langsiktig fondsportef\u00f8lje.<\/p>\n<p>H\u00f8r ogs\u00e5 forrige episode av #pengepodden:<a href=\"https:\/\/blogg.nordnet.no\/pengepodden-investor-fra-100-000-til-100-millioner\/?autoplay=1\" rel=\"noopener\"> fra 100\u00a0000 til 100\u00a0 millioner<\/a><\/p>\n<p><a href=\"http:\/\/feeds.feedburner.com\/pengepodden\" rel=\"noopener\">Abonner via RSS<\/a><\/p>\n<p><a href=\"https:\/\/soundcloud.com\/pengepodden\" data-wpel-link=\"external\" rel=\"noopener\">F\u00f8lg p\u00e5 SoundCloud<\/a><\/p>\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" data-wpel-link=\"external\" rel=\"noopener\">Abonner via iTunes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I denne episoden av #pengepodden sparing er temaet \u00abHvor h\u00f8y aksjeandel b\u00f8r du ha i din portef\u00f8lje?\u00bb. I studio er v\u00e5r spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og Nordnetsjefen Anders Skar. Gutta forteller at Nordnet har v\u00e6rt i media i sommer og kritisert pensjonsleverand\u00f8rene for \u00e5 ha for lav aksjeandel i kundenes innskuddspensjon og private pensjonssparing. Bakgrunnen [&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-34055","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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