{"id":68023,"date":"2021-05-13T11:15:00","date_gmt":"2021-05-13T09:15:00","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=68023"},"modified":"2026-03-18T12:19:31","modified_gmt":"2026-03-18T11:19:31","slug":"pengepodden-hvorfor-taper-de-fleste-fonds-og-aksjeinvestorer-mot-indeksen","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-hvorfor-taper-de-fleste-fonds-og-aksjeinvestorer-mot-indeksen\/","title":{"rendered":"#pengepodden &#8211; Hvorfor taper de fleste aksje- og fondsinvestorer mot indeksen?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>I denne #pengepodden-episoden snakker Bj\u00f8rn Erik og Roger om hvorfor avkastningen til sparere og investorer i gjennomsnitt er lavere enn markedsavkastningen. \u00c5rsaken kan i stor grad forklares med psykologi. Gutta g\u00e5r gjennom de vanligste feilene som private sparere og investorer gj\u00f8r. Men fortvil ikke &#8211; det finnes m\u00e5ter \u00e5 ikke bli gjennomsnittlig, forteller de.<\/p>\n\n\n\n<iframe title='Embed Player' width='100%' height='188px' src='https:\/\/embed.acast.com\/61653f7433ffb500132c0775\/61653f807a87fd001246dacf' scrolling='no' frameborder='0' style='border:none;overflow:hidden;'><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<p>Mange norske og internasjonale unders\u00f8kelser viser at fondskunder flest oppn\u00e5r lavere avkastning enn fondene de investerer i over tid, hensyntatt kostnader. Bj\u00f8rn Erik viser til en \u00e5rlig analyse fra Morningstar, som heter <strong><a href=\"https:\/\/www.morningstar.com\/articles\/998339\/how-do-investor-returns-stack-up-against-total-returns\" rel=\"noopener\">\u201dMind the gap\u201d.<\/a><\/strong><\/p>\n\n\n\n<p>Den nyeste analysen viser at amerikanske privatpersoner som investerer i aksjefond har f\u00e5tt inntil 1 prosentpoeng lavere \u00e5rlig avkastning p\u00e5 sine aksjefond enn fondenes gjennomsnittlige avkastning skulle tilsi de siste 10 \u00e5rene. Det er store forskjeller innenfor de ulike fondskategoriene.<\/p>\n\n\n\n<p>Sektorfond, som svinger mer enn brede aksjefond, har st\u00f8rst forskjell mellom kundens avkastning og fondenes avkastning. Kombinasjonsfond (med aksjer og renter) har derimot en positiv forskjell mellom kundens avkastning og fondenes avkastning, viser analysen. <a href=\"https:\/\/www.thebalance.com\/why-average-investors-earn-below-average-market-returns-2388519\" rel=\"noopener\">Dalbar<\/a> er en annen amerikansk akt\u00f8r som ogs\u00e5 har gjort tilsvarende analyser, og de viser enda st\u00f8rre avvik mellom kundenes avkastning og markedsavkastningen.<\/p>\n\n\n\n<p>Vi finner samme tendenser blant privatpersoner som investerer i enkeltaksjer ogs\u00e5. En masteroppgave fra BI-studentene Sindre Skaldehaug og Vegard Nikolaisen fra 2020 viser at private norske investorer (og offentlig forvaltning utover Folketrygdfondet) gjorde det gjennomg\u00e5ende d\u00e5rligere enn Oslo B\u00f8rs-indeksen i en 15-\u00e5rs periode. Les <a href=\"https:\/\/www.dn.no\/innlegg\/oslo-bors\/folketrygdfondet\/norge\/hvem-er-de-egentlige-taperne-i-det-norske-aksjemarkedet\/2-1-843880\" class=\"rank-math-link\" rel=\"noopener\">innlegget i DN fra studentene her<\/a>. Hele <a class=\"rank-math-link\" href=\"https:\/\/biopen.bi.no\/bi-xmlui\/handle\/11250\/2580182\" rel=\"noopener\">Masteroppgaven kan leses her.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vanlige feil som f\u00f8rer til mindreavkastning<\/h2>\n\n\n\n<p>(fra 13:23) Investoradferd er ulogisk og ofte basert p\u00e5 f\u00f8lelser. Dette f\u00f8rer ikke til kloke langsiktige investeringsbeslutninger.<\/p>\n\n\n\n<p>Det er en studieretning som kalles \u00abadferdsfinans\u00bb eller \u00abbehavioral finance\u00bb. Her brukes begreper som &#8220;overdreven selvtillit&#8221;, frykt, gr\u00e5dighet, &#8220;recency bias&#8221;, for \u00e5 forklare \u00e5rsaker til alle disse ulogiske \u00f8konomiske beslutningene.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik og Roger tar for seg noen typiske feil som gjennomsnittlige investorer gj\u00f8r som medf\u00f8rer at de taper mot markedet.<\/p>\n\n\n\n<p><strong>1. Kj\u00f8per n\u00e5r kursene er h\u00f8ye, og selger n\u00e5r kursene er lave<\/strong><br><strong>2. Overreagerer i tider med usikkerhet<\/strong><br><strong>3. Handler de mest risikable aksjene og fondene \u2013 og f\u00e5r ikke betalt for den h\u00f8ye risikoen<\/strong>. <br>Her nevner Bj\u00f8rn Erik en masterstudie fra NHH i 2018, som viste at et lite antall sv\u00e6rt suksessfulle selskaper st\u00e5r for det meste av verdiskapingen p\u00e5 B\u00f8rsen. <a href=\"https:\/\/www.dn.no\/marked\/oslo-bors\/aksjer\/norges-handelshoyskole\/kun-tre-av-syv-selskaper-pa-oslo-bors-slar-banken\/2-1-385614\" rel=\"noopener\">Les en artikkel i DN om studien her<\/a> (bak betalingsmur). Her er en <a href=\"https:\/\/www.nettavisen.no\/na24\/kun-tre-av-sju-aksjer-slar-banken\/s\/12-95-3423522598\" class=\"rank-math-link\" rel=\"noopener\">kortversjon av artikkelen<\/a>. Her er en <a href=\"https:\/\/privatebank.jpmorgan.com\/content\/dam\/jpm-wm-aem\/global\/pb\/en\/insights\/eye-on-the-market\/eotm-the-agony-and-the-ecstasy.pdf\" class=\"rank-math-link\" rel=\"noopener\">tilsvarende analyse fra 2014, hvor JP Morgan <\/a>har analysert avkastning og risiko for aksjene i Russel 3000-indeksen. De kom til omlag samme konklusjon som de norske studentene.<br><strong>4. Satser alt p\u00e5 en hest (les: \u00e8n aksje) og tar dermed un\u00f8dig h\u00f8y risiko. <\/strong><br><strong>5. Tror de kan forutsi fremtiden<\/strong><br><strong>6. P\u00e5drar seg un\u00f8dvendige h\u00f8ye kostnader<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u00f8sninger og tips<\/h2>\n\n\n\n<p>(fra 43:09) Bj\u00f8rn Erik og Roger g\u00e5r gjennom noen tips til hvordan private sparere kan oppn\u00e5 markedets avkasting:<\/p>\n\n\n\n<p>1. Lag en langsiktig plan, og hold deg til den<br>2. Rebalanser mellom aksjer og renter<br>3. Spar jevnt og trutt, gjerne i et globalt indeksfond<br>4. V\u00e6r forsiktig med de mest risikable aksjene og fondene<\/p>\n\n\n\n<p>B\u00f8r vi v\u00e6re bekymret for avkastningen til kundene v\u00e5re, sp\u00f8r Bj\u00f8rn Erik avslutningsvis. Gutta konkluderer med at det er det ikke behov for. Fondskunder og aksjekunder l\u00e6rer fort, og Nordnet legger mye ressurser i \u00e5 utdanne og inspirere kundene, gjennom Nordnetbloggen, podcast, youtube-kanal etc. Husk ogs\u00e5 p\u00e5 at alternativet til mange er banksparing, som gir negativ avkastning etter inflasjon og skatt.<\/p>\n\n\n\n<p>Vi har flere spennende foredrag om markedspsykologi p\u00e5 Nordnetbloggen. Her er et par av de mest popul\u00e6re:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a class=\"rank-math-link\" href=\"https:\/\/youtu.be\/G8_WUlUpWR4\" rel=\"noopener\">Peter Warren &#8211; Du er din egen verste fiende<\/a><\/li><li><a class=\"rank-math-link\" href=\"https:\/\/youtu.be\/_nncoYTkbv4\" rel=\"noopener\">Roger Berntsen &#8211; Investorpsykologi<\/a><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Roger Berntsen om investorpsykologi - Nordnet Investorkveld\" width=\"770\" height=\"433\" src=\"https:\/\/www.youtube.com\/embed\/_nncoYTkbv4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>H\u00f8r ogs\u00e5 forrige episode av #pengepodden: <a href=\"https:\/\/www.nordnet.no\/blogg\/pengepodden-hvordan-vil-okt-inflasjon-pavirke-investeringene-dine\/\" class=\"rank-math-link\">Hvordan vil \u00f8kt inflasjon p\u00e5virke investeringene dine?<\/a><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\">Abonner via RSS<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" target=\"_blank\" rel=\"noreferrer noopener\">Abonner via iTunes<\/a><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/open.spotify.com\/show\/0mXSVGfhkKBxYTj638hjoj\" target=\"_blank\">Spotify<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I denne #pengepodden-episoden snakker Bj\u00f8rn Erik og Roger om hvorfor avkastningen til sparere og investorer i gjennomsnitt er lavere enn markedsavkastningen. \u00c5rsaken kan i stor grad forklares med psykologi. Gutta g\u00e5r gjennom de vanligste feilene som private sparere og investorer gj\u00f8r. Men fortvil ikke &#8211; det finnes m\u00e5ter \u00e5 ikke bli gjennomsnittlig, forteller de. Mange [&hellip;]<\/p>\n","protected":false},"author":20033,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","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-68023","post","type-post","status-publish","format-standard","hentry","category-pengepodden","tag-toppsak"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2020\/02\/Banner-Pengepodden-1024x400-1-150x59.png","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2020\/02\/Banner-Pengepodden-1024x400-1-150x59.png 150w, 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