{"id":85068,"date":"2023-07-27T12:00:00","date_gmt":"2023-07-27T10:00:00","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=85068"},"modified":"2026-03-11T17:08:01","modified_gmt":"2026-03-11T16:08:01","slug":"pengepodden-fondsrangeringer-med-morningstar","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-fondsrangeringer-med-morningstar\/","title":{"rendered":"#pengepodden &#8211; Fondsrangeringer med Morningstar"},"content":{"rendered":"\n<p>I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k av Matias M\u00f6ttola, Director of Manager Research i Morningstar. Tema er rangering av fond, indeksfondenes dominans og mer.<\/p>\n\n\n\n<iframe title='Embed Player' width='100%' height='188px' src='https:\/\/embed.acast.com\/61653f7433ffb500132c0775\/64a56b93ba9536001015ef8b' scrolling='no' frameborder='0' style='border:none;overflow:hidden;'><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<p>Morningstar er en av verdens st\u00f8rste leverand\u00f8r av finansielle data og uavhengige analyser innenfor fond, aksjer, kreditt og indekser.<\/p>\n\n\n\n<p>Bj\u00f8rn Erik starter enkelt med \u00e5 fortelle kort om de tre hovedtypene verdipapirfond; Aksjefond, rentefond og kombinasjonsfond. Regelverket for verdipapirfond diskuteres ogs\u00e5.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rangering av fond<\/h2>\n\n\n\n<p>(fra 7:56) Morningstar har en metode hvor de ulike fond rangeres fra 1 til 5 stjerner. Rangeringen er basert p\u00e5 risikojustert avkastning til fondet sammenlignet med fond innenfor samme fondskategori, forteller Matias.<\/p>\n\n\n\n<p>Har stjernene noen predikativ evne, sp\u00f8r Bj\u00f8rn Erik. Matias svarer at unders\u00f8kelser viser at det finnes en viss (svak) positiv korrelasjon, slik at 4 og 5 stjernes fond ofte fortsetter \u00e5 sl\u00e5 markedet.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-1024x576.png\" alt=\"\" class=\"wp-image-85069\" srcset=\"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-1024x576.png 1024w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-620x349.png 620w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-150x84.png 150w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-768x432.png 768w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-1536x864.png 1536w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-500x281.png 500w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-800x450.png 800w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-1280x720.png 1280w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-370x208.png 370w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-270x152.png 270w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-570x321.png 570w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde-740x416.png 740w, https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2023\/07\/447_bloggbilde.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Forskjellen mellom Morningstars stjerne-rangering og Morningstars Medalist Rating diskuteres ogs\u00e5. Sistnevnte medaljerangering er ment \u00e5 ha predikativ evne, alts\u00e5 skal si noe om sannsynligheten for meravkastning ift fondskategorien fremover. Medaljene er basert p\u00e5 en kvalitativ vurdering av \u00abpeople\u00bb, \u00abprocess\u00bb og \u00abparent\u00bb.\u00a0<a href=\"https:\/\/www.morningstar.no\/no\/news\/234700\/morningstar-introduserer-medalist-rating-for-fond.aspx\" rel=\"noopener\">Les mer om metoden her.<\/a><\/p>\n\n\n\n<p>Bj\u00f8rn Erik sp\u00f8r hva som er forskjeller og likheter mellom Morningstar stjerne-rangering, Sharpe-ratio og Information ratio (IR).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Om syntetiske fond<\/h2>\n\n\n\n<p>(fra 26:46) Nordnets internasjonale indeksfond er syntetiske, som betyr at forvalteren bruker swap-kontrakter for \u00e5 f\u00e5 eksponering mot den relevante indeksen. Fordelen med syntetisk replikering er normalt lavere kostnader for forvalter samt muligheter for mindre avvik fra indeksen (tracking error), forteller Bj\u00f8rn Erik.<\/p>\n\n\n\n<p>Alternativet er fysisk replikering, hvor forvalter eier alle eller de fleste aksjene i indeksen. Bj\u00f8rn Erik sp\u00f8r Matias sitt syn p\u00e5 syntetisk replikerte fond.<\/p>\n\n\n\n<p>Matias svarer at det var en diskusjon om syntetiske fond og ETFer for ti \u00e5rs tid siden, siden dette var lite kjent og lite regulert. Men de siste \u00e5rene har det kommet strengere reguleringer som gj\u00f8r at motpartsrisikoen er minimert. Et poeng er \u00e5 se p\u00e5 om \u00absikkerhetskurven\u00bb som stilles av motparten tilfredsstiller samme krav til ESG-screening, diversifisering og likviditet som selve fondet, noe Bj\u00f8rn Erik svarer bekreftende p\u00e5 n\u00e5r det gjelder Nordnets indeksfond.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indeksfondenes dominans<\/h2>\n\n\n\n<p>(fra 34:47) I USA er indeksfondene n\u00e5 blitt st\u00f8rre enn aktive fond, m\u00e5lt etter forvaltningskapital. I Europa er andelen p\u00e5 rundt 35 %. Blant norske personkunder\u00a0har ogs\u00e5 indeksfond-andelen \u00f8kt\u00a0de siste \u00e5rene, og er n\u00e5 26 %. Bj\u00f8rn Erik sp\u00f8r om\u00a0Matias tror at andelen indeksfond vil fortsette \u00e5 \u00f8ke.<\/p>\n\n\n\n<p>USA er det mest avanserte sparemarkedet i verden, forteller Matias. Europa tar etter USA. S\u00e5 indeksfond-andelen i Europa vil nok fortsette \u00e5 \u00f8ke, mener han.<\/p>\n\n\n\n<p>De fleste aktive fond taper mot et sammenlignbart indeksfond p\u00e5 lang sikt, m\u00e5lt etter kostnader. Morningstars egen oversikt ved utgangen av 2022 viste at globale aksjefond hadde en suksessrate, definert som h\u00f8yere avkastning enn et sammenlignbart indeksfond, over tre, fem og ti \u00e5r p\u00e5 henholdsvis 16, 10 og 5 prosent. Norske aksjefond er blant de som har h\u00f8yest suksessrate.<\/p>\n\n\n\n<p>Med disse tallene i bakhodet frister det ikke s\u00e5 veldig \u00e5 satse p\u00e5 aktive aksjefond, som starter bak et indeksfond p\u00e5 startstreken, uttaler Bj\u00f8rn Erik. Matias bekrefter resultatene, men p\u00e5peker at det er mulig \u00e5 finne aktive fond som vil sl\u00e5 indeksen fremover \u2013 men du m\u00e5 bruke litt tid.<\/p>\n\n\n\n<p>Kostnader i fond i Norge blir ogs\u00e5 diskutert. I europeisk sammenheng er Norge omtrent midt p\u00e5 treet, men fondskostnadene i Europa er generelt h\u00f8yere enn i USA.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Det fremtidige fondsmarkedet<\/h2>\n\n\n\n<p>(fra 50:13) Hva er neste steg i verdipapirfondenes evolusjon, sp\u00f8r Bj\u00f8rn Erik. ETFer er lett \u00e5 selge over landegrenser i Europa, s\u00e5 ETFer vil nok vokse videre, kommenterer Matias. B\u00e6rekraftige investeringer (ESG) vil vokse videre. Tematiske fond og ETFer likes\u00e5. Matias har imidlertid lite tro p\u00e5 at AI-forvaltede fond konsekvent vil sl\u00e5 et indeksfond over tid.<\/p>\n\n\n\n<p>Til slutt blir Matias spurt om hvor\u00a0han selv har investert sine langsiktige spare- og pensjonspenger.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/feeds.acast.com\/public\/shows\/61653f7433ffb500132c0775\" rel=\"noopener\">Abonner via RSS<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/shows.acast.com\/61653f7433ffb500132c0775\" rel=\"noopener\">Abonner via Acast<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" rel=\"noopener\">Abonner via iTunes<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/open.spotify.com\/show\/0mXSVGfhkKBxYTj638hjoj\" rel=\"noopener\">Spotify<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I denne #pengepodden-episoden har Bj\u00f8rn Erik bes\u00f8k av Matias M\u00f6ttola, Director of Manager Research i Morningstar. Tema er rangering av fond, indeksfondenes dominans og mer. Morningstar er en av verdens st\u00f8rste leverand\u00f8r av finansielle data og uavhengige analyser innenfor fond, aksjer, kreditt og indekser. Bj\u00f8rn Erik starter enkelt med \u00e5 fortelle kort om de tre [&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-85068","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\/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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