{"id":68927,"date":"2021-07-22T11:30:00","date_gmt":"2021-07-22T09:30:00","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=68927"},"modified":"2026-03-11T17:50:00","modified_gmt":"2026-03-11T16:50:00","slug":"pengepodden-risikobudsjettering-hoy-risiko-er-ikke-lik-hoy-avkastning","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-risikobudsjettering-hoy-risiko-er-ikke-lik-hoy-avkastning\/","title":{"rendered":"#pengepodden – Risikobudsjettering – h\u00f8y risiko er ikke lik h\u00f8y avkastning"},"content":{"rendered":"\n

I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k i studio av Jon Mj\u00f8lhus, f\u00f8rstelektor p\u00e5 Universitetet i S\u00f8r\u00f8st-Norge og NHH i Bergen. Jon underviser i finans og har tidligere v\u00e6rt aksjemegler i Carnegie og analysesjef i Formuesforvaltning. Tema er risikobudsjettering. Du kan ikke styre avkastningen p\u00e5 dine investeringer, men du kan til en viss grad kontrollere risikoen. Ved \u00e5 diversifisere kan du oppn\u00e5 en h\u00f8yere risikojustert avkastning.<\/p>\n\n\n\n

Jon starter med \u00e5 fortelle om hans vei fra \u00absell-side\u00bb i meglerhus til \u00abbuy-side\u00bb i et forvaltningsmilj\u00f8, og forskjellen mellom disse to milj\u00f8ene.<\/p>\n\n\n\n

Lytt til episoden.<\/a><\/p>\n\n\n\n

\"\"
F.v Jon Mj\u00f8lhus og Bj\u00f8rn Erik S\u00e6ttem<\/figcaption><\/figure>\n\n\n\n

Risikobudsjettering<\/h2>\n\n\n\n

Jon forteller at et risikobudsjett kan sammenlignes med et husholdningsbudsjett. Du setter for eksempel av en viss andel i banken (risikofritt) og en viss andel i aksjefond (risikabelt). If\u00f8lge l\u00e6reboken b\u00f8r man s\u00f8ke etter \u00e5 oppn\u00e5 h\u00f8yest mulig avkastning til et gitt risikom\u00e5l. Du kan ikke styre avkastningen p\u00e5 dine investeringer, men det kan du til en viss grad med risikoen. Det kalles risikobudsjettering, forteller Jon.<\/p>\n\n\n\n

H\u00f8y risiko er ikke lik h\u00f8y avkastning. Du kan utmerket vel ha h\u00f8y risiko uten h\u00f8y avkastning. Men det er nesten umulig, i velfungerende finansmarkeder, \u00e5 ha h\u00f8y avkastning uten \u00e5 ha tatt h\u00f8y risiko. Husk p\u00e5 at en enkeltaksje har samme forventet avkastning som et diversifisert aksjefond, minner Jon om. Altfor mange dr\u00f8mmer om store gevinsten og g\u00e5r for h\u00f8yrisikoaksjer. Dette kalles \u00ablotto-effekten\u00bb.<\/p>\n\n\n\n

Stikkordet er diversifisering, som er den eneste gratis-lunsjen i finansmarkedet. Hvis man sprer pengene p\u00e5 mange aksjer og over hele verden kan man oppn\u00e5 bedre avkastning til samme risikoniv\u00e5, dvs bedre risikojustert avkastning.<\/p>\n\n\n\n

Jon mener et globalt aksjefond er det beste for de fleste n\u00e5r det kommer til langsiktig sparing.<\/p>\n\n\n\n

Du f\u00e5r ogs\u00e5 h\u00f8re mer om alderstilpassede pensjonsprofiler<\/a>, som vekter ned aksjeandelen (reduserer risikoen) n\u00e5r kundene n\u00e6rmer seg pensjonsalder. Bj\u00f8rn Erik er som vanlig tilhenger av en h\u00f8y aksjeandel i langsiktig sparing gjennom livet.<\/p>\n\n\n\n

Din holdning til risiko, din alder, din personlig \u00f8konomi og din formue er faktorer som b\u00f8r v\u00e6re med \u00e5 bestemme ditt risikom\u00e5l, eller din risikovilje.<\/p>\n\n\n\n

Timing i markedet diskuteres videre.<\/p>\n\n\n\n

Tidsperioden du er vokst opp i har ogs\u00e5 en effekt p\u00e5 hvor mye eller hvor lite risiko du er komfortabel med \u00e5 ta, mener Bj\u00f8rn Erik.<\/p>\n\n\n\n

Lytt til forrige episode av #pengepodden.<\/a><\/p>\n\n\n\n

Abonner via RSS<\/a><\/p>\n\n\n\n

Abonner via iTunes<\/a><\/p>\n\n\n\n

Spotify<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k i studio av Jon Mj\u00f8lhus, f\u00f8rstelektor p\u00e5 Universitetet i S\u00f8r\u00f8st-Norge og NHH i Bergen. Jon underviser i finans og har tidligere v\u00e6rt aksjemegler i Carnegie og analysesjef i Formuesforvaltning. Tema er risikobudsjettering. Du kan ikke styre avkastningen p\u00e5 dine investeringer, men du kan til en viss grad kontrollere 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