{"id":7171,"date":"2020-12-01T15:37:32","date_gmt":"2020-12-01T15:37:32","guid":{"rendered":"https:\/\/coolcompany.com\/se\/?post_type=blog&#038;p=7171"},"modified":"2025-05-16T10:53:19","modified_gmt":"2025-05-16T10:53:19","slug":"borja-spara-men-hur-borjar-man","status":"publish","type":"blog","link":"https:\/\/coolcompany.com\/se\/blog\/borja-spara-men-hur-borjar-man\/","title":{"rendered":"B\u00f6rja spara &#8211; men hur b\u00f6rjar man?"},"content":{"rendered":"\n<section class=\"wp-block-coolcompany-section has-light-primary-background-color has-background\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-style-right-image is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"breadcrumbs align wp-block-bcn-breadcrumb-trail has-text-color has-background\" vocab=\"https:\/\/schema.org\/\" typeof=\"BreadcrumbList\">\n\t<span><\/span>\n\t<\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-borja-spara-men-hur-borjar-man\">B\u00f6rja spara &#8211; men hur b\u00f6rjar man?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Jan Bolmeson fr\u00e5n RikaTillsammans tar dig med p\u00e5 en resa genom privatekonomins hemligheter. H\u00e4r \u00e4r del 1 av 5.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2020\/12\/Rika-tillsammans_scen.png\" alt=\"\" class=\"wp-image-10046\" style=\"width:500px;height:383px\" srcset=\"https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2020\/12\/Rika-tillsammans_scen.png 857w, https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2020\/12\/Rika-tillsammans_scen-300x230.png 300w, https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2020\/12\/Rika-tillsammans_scen-768x589.png 768w, https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2020\/12\/Rika-tillsammans_scen-480x368.png 480w\" sizes=\"(max-width: 857px) 100vw, 857px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-coolcompany-separator is-style-default has-light-primary-background-color has-background has-light-primary-background-color has-background\"><svg width=\"100%\" viewBox=\"0 0 1600 60\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path fill=\"#ffffff\" d=\"M0 0L29.6667 1.75612C59.5 3.36587 118.833 6.87807 178 12C237.167 17.122 296.167 23.8537 355.333 22.6829C414.5 21.5122 473.833 12.1464 533.333 9.07319C592.833 5.85368 652.167 8.78051 711.333 11.2683C770.5 13.6098 829.5 15.6585 888.667 18.7317C947.833 21.9512 1007.17 26.3415 1066.67 27.8049C1126.17 29.2683 1185.5 27.8049 1244.67 23.7073C1303.83 19.4634 1362.83 12.7317 1422 8.34148C1481.17 3.95124 1540.5 1.90246 1570.33 1.02441L1600 0V60H1570.33C1540.5 60 1481.17 60 1422 60C1362.83 60 1303.83 60 1244.67 60C1185.5 60 1126.17 60 1066.67 60C1007.17 60 947.833 60 888.667 60C829.5 60 770.5 60 711.333 60C652.167 60 592.833 60 533.333 60C473.833 60 414.5 60 355.333 60C296.167 60 237.167 60 178 60C118.833 60 59.5 60 29.6667 60H0V0Z\"><\/path><\/svg><\/div>\n\n\n\n<section class=\"wp-block-coolcompany-section\">\n<div class=\"wp-block-columns is-style-columns2 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Det finns m\u00e5nga anledningar till att b\u00f6rja spara. F\u00f6r n\u00e5gon handlar det om mer trygghet, att inte beh\u00f6va oroa sig f\u00f6r pengar, att kunna resa, att kunna spendera mer tid med familjen och v\u00e4nnerna, att ha en st\u00f6rre valfrihet i livet eller kanske till och med kunna tacka nej till ett uppdrag. \u00c4ven om pengar inte \u00e4r allt, s\u00e5 skapar de en hel del m\u00f6jligheter och l\u00f6ser vissa problem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Min tes \u00e4r i alla fall att som frilansare, konsult eller egenanst\u00e4lld \u00e4r det b\u00e4ttre att ha pengar \u00e4n att inte ha dem. Vi som har jobbat p\u00e5 det h\u00e4r s\u00e4ttet \u00e4r ganska vana vid att jobba h\u00e5rt f\u00f6r v\u00e5ra pengar, p\u00e5 gott och ont. Vad vi d\u00e4remot v\u00e4ldigt s\u00e4llan har l\u00e4rt oss \u00e4r hur vi f\u00e5r v\u00e5ra pengar att jobba h\u00e5rt f\u00f6r oss ist\u00e4llet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Det \u00e4r ganska fascinerande. S\u00e4rskilt med tanke p\u00e5 att det faktiskt \u00e4r v\u00e4ldigt enkelt att komma ig\u00e5ng med sitt sparande. S\u00e4rskilt om man slutar lyssna p\u00e5 banker, finansiella r\u00e5dgivare och alla andra i finansbranschen som tj\u00e4nar pengar p\u00e5 dig. Mitt f\u00f6rslag \u00e4r att ist\u00e4llet lyssna p\u00e5 forskningen, de studier och de Nobelpris som har getts ut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Sammanfattar man konsensus i forskningen idag s\u00e5 l\u00e5ter den s\u00e5 h\u00e4r:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spara s\u00e5 l\u00e5ngsiktigt och regelbundet som m\u00f6jligt i alla f\u00f6retag i hela v\u00e4rlden s\u00e5 billigt som m\u00f6jligt. Sluta f\u00f6rs\u00f6ka analysera bolag och gissa vilka investeringar som kommer g\u00e5 b\u00e4ttre i framtiden \u00e4n andra. Sluta f\u00f6rs\u00f6ka f\u00f6ruts\u00e4ga marknadens r\u00f6relser och sluta ha en tro om framtiden. Det \u00e4r b\u00e4ttre att singla slant \u00e4n att lyssna p\u00e5 en experts f\u00f6ruts\u00e4gelse om framtiden. L\u00e5t pengarna f\u00e5 jobba i fred och g\u00f6r det de \u00e4r b\u00e4st p\u00e5. Tj\u00e4na pengar till dig.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Det jag personligen tycker \u00e4r mest fascinerande \u00e4r slutsatsen om att man inte ska vara aktiv. Sedan vi var sm\u00e5 har vi alla l\u00e4rt oss \u2013 s\u00e4rskilt vi som jobbar som egna \u2013 att den som kan mest, g\u00f6r mest, engagerar sig mest, \u00e4r mest p\u00e5l\u00e4st och l\u00e4gger ner mest tid kommer att f\u00e5 b\u00e4st resultat. Det st\u00e4mmer i alla omr\u00e5den. F\u00f6rutom i sparande. D\u00e4r \u00e4r det tv\u00e4rtom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Den som g\u00f6r minst, \u00e4r mest passiv, engagerar sig minst och l\u00e5ter pengarna vara mest i fred, kommer ocks\u00e5 vara den som f\u00e5r b\u00e4st resultat. Konstigt, eller hur? Men v\u00e4ldigt tydligt belagt i forskningen, t.ex. med ett Nobelpris 2013 till Eugene Fama. Det \u00e4r d\u00e4rf\u00f6r jag \u00e4lskar sparande. Det \u00e4r ett eng\u00e5ngsjobb. Man g\u00f6r det en g\u00e5ng och sedan \u00e4r det klart f\u00f6r de kommande tio \u00e5ren.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Rent konkret \u00e4r forskningens rekommendation att spara i en s\u00e5 kallad global indexfond. En global indexfond \u00e4r som en v\u00e4ska med \u00f6ver 1 500 av v\u00e4rldens st\u00f6rsta bolag. Det betyder att om du k\u00f6per en indexfond f\u00f6r 100 kr s\u00e5 kommer dessa pengarna f\u00f6rdelas med n\u00e5gra \u00f6ren i vart och ett av v\u00e4rldens st\u00f6rsta bolag s\u00e5som t.ex. Apple, Google, Microsoft, Nestle m.fl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Det \u00e4r b\u00e5de tryggt och s\u00e4kert. F\u00f6r det inneb\u00e4r att om du ska f\u00f6rlora alla dessa 100 kr, d\u00e5 m\u00e5ste alla de bolagen g\u00e5 i konkurs samtidigt. Om mot all f\u00f6rmodan v\u00e4rldens 1 500 st\u00f6rsta bolag g\u00e5r i konkurs samtidigt d\u00e5 kommer b\u00f6rsen vara v\u00e5rt minsta problem. Om man ist\u00e4llet tittar p\u00e5 sannolikheten f\u00f6r att g\u00e5 plus, s\u00e5 \u00e4r den \u00f6ver 90 % p\u00e5 en 10 \u00e5rs-period och faktiskt \u00f6ver 99 % \u00f6ver en 25 \u00e5rs-period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e4r m\u00e5nga pratar om att sparande p\u00e5 b\u00f6rsen \u00e4r \u201cgambling\u201d eller \u201cspel\u201d s\u00e5 har de r\u00e4tt, men bara utifr\u00e5n en sparhorisont p\u00e5 12 m\u00e5nader. Vad de missar \u00e4r att tiden \u00e4r din b\u00e4sta v\u00e4n. Ju l\u00e4ngre tid du sparar, desto j\u00e4mnare blir den genomsnittliga avkastningen och desto st\u00f6rre blir sannolikheten att g\u00e5 plus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Det g\u00e5r bra att k\u00f6pa en global indexfond hos din bank, givet att den kostar under 0.4 % i \u00e5rlig avgift. Jag sj\u00e4lv brukar rekommendera att anv\u00e4nda en fondrobot. En fondrobot \u00e4r en indexfond som \u00e4r f\u00f6rb\u00e4ttrad med en del kringtj\u00e4nster. Jag sj\u00e4lv anv\u00e4nder LYSA. De \u00e4r st\u00f6rst och b\u00e4sta om man tar en sammantagen h\u00e4nsyn. Det g\u00e5r \u00e4ven bra att k\u00f6pa en indexfond hos n\u00e4tbankerna Avanza eller Nordnet. Exempel p\u00e5 bra globala indexfonder \u00e4r t.ex. L\u00e4nsf\u00f6rs\u00e4kringar Global Indexn\u00e4ra, Avanza Global eller Nordnet Indexfond Global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Den sista tumregeln handlar om att h\u00e5lla risken balanserad. Om du har 10 000 kr som ska investeras, d\u00e5 b\u00f6r du max l\u00e4gga 10 % i en indexfond per \u00e5r du har i sparhorisont. Om du har sex \u00e5rs sparhorisont, d\u00e5 kan du investera 6 * 10 %, dvs 60 % i indexfonden, resten l\u00e4gger du p\u00e5 ett bankkonto. Om du v\u00e4ljer en fondrobot s\u00e5 \u00e4r det en av kringtj\u00e4nsterna den hj\u00e4lper dig med. Alla pengar som ska anv\u00e4ndas inom 24 m\u00e5nader b\u00f6r st\u00e5 p\u00e5 ett bankkonto med ins\u00e4ttningsgaranti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00e5, d\u00e5 har du faktiskt f\u00e5tt ALLT som du faktiskt beh\u00f6ver veta om sparande. Trots att jag sj\u00e4lv har sparat i mer \u00e4n 25 \u00e5r, av m\u00e5nga anses vara en expert, s\u00e5 har jag majoriteten av mina egna pengar hos LYSA och i indexfonder p\u00e5 Avanza\/Nordnet. Jag l\u00e5ter pengarna vara i fred, \u00e4ven i turbulenta perioder som i v\u00e5ras, och l\u00e5ter dem g\u00f6ra sitt jobb s\u00e5 kan jag fokusera p\u00e5 mitt. Att det dessutom ger ett resultat som \u00e4r b\u00e4ttre \u00e4n de flesta andras \u00f6ver tid, det \u00e4r en bonus. \ud83d\ude0e<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Lycka till med ditt sparande!<br>Jan Bolmeson<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-coolcompany-separator is-style-default\"><svg width=\"100%\" viewBox=\"0 0 1600 60\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path fill=\"#f8f6fe\" d=\"M0 0L29.6667 1.75612C59.5 3.36587 118.833 6.87807 178 12C237.167 17.122 296.167 23.8537 355.333 22.6829C414.5 21.5122 473.833 12.1464 533.333 9.07319C592.833 5.85368 652.167 8.78051 711.333 11.2683C770.5 13.6098 829.5 15.6585 888.667 18.7317C947.833 21.9512 1007.17 26.3415 1066.67 27.8049C1126.17 29.2683 1185.5 27.8049 1244.67 23.7073C1303.83 19.4634 1362.83 12.7317 1422 8.34148C1481.17 3.95124 1540.5 1.90246 1570.33 1.02441L1600 0V60H1570.33C1540.5 60 1481.17 60 1422 60C1362.83 60 1303.83 60 1244.67 60C1185.5 60 1126.17 60 1066.67 60C1007.17 60 947.833 60 888.667 60C829.5 60 770.5 60 711.333 60C652.167 60 592.833 60 533.333 60C473.833 60 414.5 60 355.333 60C296.167 60 237.167 60 178 60C118.833 60 59.5 60 29.6667 60H0V0Z\"><\/path><\/svg><\/div>\n\n\n\n<section class=\"wp-block-coolcompany-section has-lighter-primary-background-color has-background\">\n<div class=\"wp-block-columns is-style-columns2 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-larger-col is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Om artikeln<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tillsammans med Jan Bolmeson fr\u00e5n RikaTillsammans kommer Cool Company publicera totalt fem artiklar med temat privatekonomi, och med ett speciellt fokus p\u00e5 egenanst\u00e4llda frilansare. F\u00f6lj knappen f\u00f6r att komma till v\u00e5r samlingssida f\u00f6r samarbetet med RikaTillsammans. &nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-style-smaller-col is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-coolcompany-maskedimage blob_mask_1\"><div class=\"gradient-background\" style=\"background:linear-gradient(45deg, #7142E9 0%, #BA37F9 100%)\"><\/div>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2021\/01\/Skarmavbild-2021-01-12-kl.-09.24.51.png\" alt=\"\" class=\"wp-image-7330\" srcset=\"https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2021\/01\/Skarmavbild-2021-01-12-kl.-09.24.51.png 462w, https:\/\/coolcompany.com\/se\/wp-content\/uploads\/sites\/2\/2021\/01\/Skarmavbild-2021-01-12-kl.-09.24.51-274x300.png 274w\" sizes=\"(max-width: 462px) 100vw, 462px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-coolcompany-separator is-style-default has-light-primary-background-color has-background\"><svg width=\"100%\" viewBox=\"0 0 1600 60\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path fill=\"rgb(241,236,253)\" d=\"M0 0L29.6667 1.75612C59.5 3.36587 118.833 6.87807 178 12C237.167 17.122 296.167 23.8537 355.333 22.6829C414.5 21.5122 473.833 12.1464 533.333 9.07319C592.833 5.85368 652.167 8.78051 711.333 11.2683C770.5 13.6098 829.5 15.6585 888.667 18.7317C947.833 21.9512 1007.17 26.3415 1066.67 27.8049C1126.17 29.2683 1185.5 27.8049 1244.67 23.7073C1303.83 19.4634 1362.83 12.7317 1422 8.34148C1481.17 3.95124 1540.5 1.90246 1570.33 1.02441L1600 0V60H1570.33C1540.5 60 1481.17 60 1422 60C1362.83 60 1303.83 60 1244.67 60C1185.5 60 1126.17 60 1066.67 60C1007.17 60 947.833 60 888.667 60C829.5 60 770.5 60 711.333 60C652.167 60 592.833 60 533.333 60C473.833 60 414.5 60 355.333 60C296.167 60 237.167 60 178 60C118.833 60 59.5 60 29.6667 60H0V0Z\"><\/path><\/svg><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Jan Bolmeson fr\u00e5n RikaTillsammans reder ut hur man egentligen ska g\u00f6ra f\u00f6r att komma ig\u00e5ng med sitt sparande. <\/p>\n","protected":false},"featured_media":7174,"template":"","categories":[],"tags":[4797],"class_list":["post-7171","blog","type-blog","status-publish","has-post-thumbnail","hentry","tag-inspiration-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.2 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>B\u00f6rja spara - men hur b\u00f6rjar man? 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