{"id":34725,"date":"2018-09-18T16:20:04","date_gmt":"2018-09-18T14:20:04","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=34725"},"modified":"2026-03-11T17:24:54","modified_gmt":"2026-03-11T16:24:54","slug":"pengepodden-sparing-alt-falt-under-finanskrisen-for-ti-ar-siden-unntatt","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-alt-falt-under-finanskrisen-for-ti-ar-siden-unntatt\/","title":{"rendered":"#pengepodden sparing &#8211; Alt falt under finanskrisen for ti \u00e5r siden, unntatt &#8230;"},"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%2F501630066&#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 \u00abTi \u00e5r siden finanskrisen\u00bb og hva langsiktige sparere kan l\u00e6re av den dype nedturen som rammet verdens\u00f8konomien. P\u00e5 plass i studio er spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og v\u00e5r nye investerings\u00f8konom Mads Johannesen.<\/p>\n<p>Mads forteller at han gikk p\u00e5 videreg\u00e5ende skole under finanskrisen, og at han med hjelp av ungdommelig overmot shortet aksjer og tjente p\u00e5 krisen. Bj\u00f8rn Erik forteller at han jobbet i kommunikasjonsavdelingen i Storebrand og snakket med mange misforn\u00f8yde kunder som hadde tapt mye penger.<\/p>\n<p>Nesten alle verdipapirfond falt under finanskrisen, med unntak av en kategori. Det f\u00e5r du h\u00f8re mer om i denne episoden.<\/p>\n<h2>Disse fondene falt mest og minst under finanskrisen<\/h2>\n<p>(fra 09:17) Bj\u00f8rn Erik g\u00e5r gjennom de ulike fondskategoriene og hvor mye de falt fra toppen i 2007-08 til bunnen i mars 2009. De fleste brede aksjefondene falt med mellom 45 og 60 prosent fra topp til bunn, forteller spare\u00f8konomen.<\/p>\n<p>N\u00e5r det gjelder rentefond var det stor forskjell p\u00e5 om fondene investerte i statspapirer eller kredittpapirer (l\u00e5n til private selskaper). F\u00f8rstnevnte steg faktisk noen prosent under finanskrisen, p\u00e5 grunn av \u00abflight to safety\u00bb. Kredittobligasjonsfond med norske papirer falt typisk med 10 til 15 prosent fra topp til bunn. Pengemarkedsfond med korte norske sikre papirer falt kun 1 til 2 prosent. \u00a0Til sammenligning falt norske boligpriser med ca 10 % under finanskrisen.<\/p>\n<p>L\u00e6rdommen fra finanskrisen er at ingen markeder eller regioner slapp unna nedturen. Alle aksjefondene falt, men globale aksjefond falt minst. Norske aksjefond og EM falt mest av regionfondene. En annen viktig l\u00e6rdom er at det er forskjell p\u00e5 rentefond. Spare\u00f8konomen v\u00e5r er tydelig p\u00e5 at hvis du ikke t\u00e5ler en halvering av fondsverdiene dine hvert 10-20 \u00e5r, b\u00f8r du ha renter som en del av din langsiktige sparing. Mads trekker frem likviditet som et viktig element for de aktive investorene. Hvis du er investert i likvide verdipapirer har du muligheten til \u00e5 komme deg ut ved en nedtur i markedet.<\/p>\n<p>Mads forteller at de store OBX-aksjene falt over 50 prosent fra topp til bunn under finanskrisen. Sykliske aksjer og finansaksjer falt mest \u2013 eksempelvis falt Yara hele 70 prosent. Storebrand og DNB falt ogs\u00e5 mye. Konsumaksjer falt mindre enn indeksen- eksempelvis falt Orkla litt mindre enn 50 prosent.<\/p>\n<h2>Betal ned boligl\u00e5net vs. penger i aksjefond<\/h2>\n<p>(fra 24:30) Et sp\u00f8rsm\u00e5l vi har f\u00e5tt av flere kunder og lyttere, er f\u00f8lgende: \u00abSkal jeg nedbetale boligl\u00e5net eller fryse avdragene og kj\u00f8pe aksjefond i stedet?\u00bb. Bj\u00f8rn Erik forteller at han skrev et blogginnlegg om dette i mai med den tabloide overskriften <a href=\"https:\/\/blogg.nordnet.no\/dropp-avdragene-sett-pengene-i-aksjefond\/\" rel=\"noopener\">\u00abDropp avdragene, sett pengene i aksjefond!\u00bb<\/a>.<\/p>\n<p>Her st\u00e5 det blant annet \u00abHar du betalt ned avdragene til et komfortabelt niv\u00e5, kan det v\u00e6re fornuftig \u00e5 be banken om avdragsfrihet og heller sette pengene i aksjefond. P\u00e5 ti \u00e5r kan gevinsten bli over 100.000 kroner, men risikoen for \u00e5 tape er ogs\u00e5 tilstede.\u00bb<\/p>\n<p>Hovedregelen er: S\u00e5 lenge den langsiktige avkastningen i aksjefondet overstiger l\u00e5nerenten, vil dette v\u00e6re l\u00f8nnsomt. Det vil alts\u00e5 si at du b\u00f8r holde deg til aksjer og aksjefond, og ligge unna lavrisiko renteinvesteringer. H\u00f8r hvilke strategi gutta i studio har valgt \u00e5 g\u00e5 for.<\/p>\n<p>Neste sp\u00f8rsm\u00e5l er fra \u00d8rjan Ringstad Kristiansen. Han lurer p\u00e5 om det er smart \u00e5 bruke BSU-pengene til aksjefond, ved \u00e5 betale ned p\u00e5 boligl\u00e5net med BSU-pengene og s\u00e5 \u00f8ke boligl\u00e5net p\u00e5 et senere tidspunkt for \u00e5 investere pengene i aksjefond.<\/p>\n<p>Gutta diskuterer for og mot \u00e5 bel\u00e5ne aksjeinvesteringer. Bj\u00f8rn Erik r\u00e5der til \u00e5 starte med fondssparing i det sm\u00e5, gjennom en m\u00e5nedlig spareavtale, f\u00e5r man begynner med st\u00f8rre engangsinnskudd. Han forteller ogs\u00e5 at et godt alternativ kan v\u00e6re \u00e5 beholde BSU-kontoen etter fylte 34 \u00e5r og dra nytte av den h\u00f8ye BSU-renten i mange \u00e5r, som i mange banker er vesentlig h\u00f8yere enn l\u00e5nerenten.<\/p>\n<p>Avslutnignsvis g\u00e5r tar Bj\u00f8rn Erik for seg et IPS-sp\u00f8rsm\u00e5l fra Erik T\u00f8nnessen. Han sp\u00f8r om ASK og Investeringskonto \u2013 og om hvordan man skal optimalisere sparingen sin fordelt p\u00e5 disse kontotypene. H\u00f8r spare\u00f8konomen v\u00e5r sine beste r\u00e5d i denne episoden av #pengepodden sparing.<\/p>\n<p>H\u00f8r ogs\u00e5 forrige episode av #pengepodden: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-investor-dnb-markets-om-hvordan-du-bor-forholde-deg-til-handelskrigen\/?autoplay=1\" rel=\"noopener\">DNB Markets om hvordan du b\u00f8r forholde deg til handelskrigen.<\/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>I denne episoden av #pengepodden sparing er temaet \u00abTi \u00e5r siden finanskrisen\u00bb og hva langsiktige sparere kan l\u00e6re av den dype nedturen som rammet verdens\u00f8konomien. P\u00e5 plass i studio er spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og v\u00e5r nye investerings\u00f8konom Mads Johannesen. Mads forteller at han gikk p\u00e5 videreg\u00e5ende skole under finanskrisen, og at han med hjelp [&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-34725","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\/09\/blogheader-0-00-00-07-150x59.jpg","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"medium":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg","width":620,"height":242,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"medium_large":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg","width":768,"height":300,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"large":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-1024x400.jpg","width":770,"height":301,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"1536x1536":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"2048x2048":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"awb_sm":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":500,"height":195,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"awb_md":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":800,"height":313,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"awb_lg":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"awb_xl":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-a4":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x150.jpg","width":370,"height":150,"crop":true,"srcset":false,"alt":""},"gridlove-a4-orig":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg","width":370,"height":145,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-a3-orig":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":270,"height":105,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-b6":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-285x300.jpg","width":285,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b7":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-335x300.jpg","width":335,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b8":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-385x300.jpg","width":385,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b9":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-435x300.jpg","width":435,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b12":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-585x300.jpg","width":585,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d3":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x300.jpg","width":270,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d3-orig":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg","width":270,"height":105,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-d4":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x300.jpg","width":370,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d4-orig":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg","width":370,"height":145,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-d5":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-470x300.jpg","width":470,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d6":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-570x300.jpg","width":570,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d6-orig":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":570,"height":223,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-cover":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-single":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg","width":740,"height":289,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w","alt":""},"gridlove-thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-80x60.jpg","width":80,"height":60,"crop":true,"srcset":false,"alt":""},"gridlove-child-single":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gridlove-child-cover-7":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":1024,"height":400,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gform-image-choice-sm":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":300,"height":117,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gform-image-choice-md":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":400,"height":156,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""},"gform-image-choice-lg":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg","width":600,"height":234,"crop":false,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-150x59.jpg 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-620x242.jpg 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-768x300.jpg 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-370x145.jpg 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-270x105.jpg 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07-740x289.jpg 740w","alt":""}},"image":["https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/09\/blogheader-0-00-00-07.jpg",1024,400,false],"acf_post_excerpt":"I denne episoden av #pengepodden sparing er temaet \u00abTi \u00e5r siden finanskrisen\u00bb og hva langsiktige sparere kan l\u00e6re av den dype nedturen som rammet verdens\u00f8konomien.","acf_episode":"187","acf_podcast_time":"45:51","youtube_id":null,"_links":{"self":[{"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/posts\/34725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/users\/20033"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/comments?post=34725"}],"version-history":[{"count":3,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/posts\/34725\/revisions"}],"predecessor-version":[{"id":34731,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/posts\/34725\/revisions\/34731"}],"wp:attachment":[{"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/media?parent=34725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/categories?post=34725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nordnet.no\/blogg\/wp-json\/wp\/v2\/tags?post=34725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}],"author_decoded":""}}