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42@media (max-width:544px){.ast-header-break-point .ast-builder-layout-element[data-section="section-fb-social-icons-1"]{display:flex;}}.ast-header-break-point .main-header-bar{border-bottom-width:0px;}@media (min-width:922px){.main-header-bar{border-bottom-width:0px;}}.main-header-menu .menu-item, #astra-footer-menu .menu-item, .main-header-bar .ast-masthead-custom-menu-items{-js-display:flex;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-moz-box-pack:center;-ms-flex-pack:center;justify-content:center;-webkit-box-orient:vertical;-webkit-box-direction:normal;-webkit-flex-direction:column;-moz-box-orient:vertical;-moz-box-direction:normal;-ms-flex-direction:column;flex-direction:column;}.main-header-menu > .menu-item > .menu-link, #astra-footer-menu > .menu-item > .menu-link{height:100%;-webkit-box-align:center;-webkit-align-items:center;-moz-box-align:center;-ms-flex-align:center;align-items:center;-js-display:flex;display:flex;}#ast-desktop-header 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75/*# sourceURL=https://www.frinans.dk/wp-includes/blocks/heading/style.min.css */
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78@keyframes show-content-image{0%{visibility:hidden}99%{visibility:hidden}to{visibility:visible}}@keyframes turn-on-visibility{0%{opacity:0}to{opacity:1}}@keyframes turn-off-visibility{0%{opacity:1;visibility:visible}99%{opacity:0;visibility:visible}to{opacity:0;visibility:hidden}}@keyframes lightbox-zoom-in{0%{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale))}to{transform:translate(-50%,-50%) scale(1)}}@keyframes lightbox-zoom-out{0%{transform:translate(-50%,-50%) scale(1);visibility:visible}99%{visibility:visible}to{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale));visibility:hidden}}
79/*# sourceURL=https://www.frinans.dk/wp-includes/blocks/image/style.min.css */
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101
102
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105/*# sourceURL=global-styles-inline-css */
106</style>
107
108<style id="darkmodetg-inline-css">
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110/*# sourceURL=darkmodetg-inline-css */
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112<style id="jetpack-stats-inline-css">
113img#wpstats{display:none}
114/*# sourceURL=jetpack-stats-inline-css */
115</style>
116
117
118
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120<meta name="generator" content="WordPress 7.1.3" />
121<link rel='shortlink' href='https://www.frinans.dk/?p=10442' />
122<link rel="icon" href="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/06/cropped-Frinans-logo.png?fit=32%2C32&#038;ssl=1" sizes="32x32" />
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126<style id="wp-custom-css">
127/*radius til alle featurd images*/
128
129.blog-layout-1 .post-thumb img, 
130.single .entry-header .post-thumb img, 
131.page .entry-header .post-thumb img {
132    border-radius: 25px;
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134
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136.single-post .entry-content a, 
137.page .entry-content a {
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142
143/*radius til alle youtube videoer*/
144.wp-block-embed.wp-block-embed-youtube,
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147    border-radius: 10px;
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151.wp-block-embed.wp-block-embed-youtube iframe,
152.wp-block-embed-youtube iframe,
153.wp-block-video iframe {
154    border-radius: 10px;
155    overflow: hidden;
156}
157/* Hover effekt */
158.single-post .entry-content a:hover, 
159.page .entry-content a:hover {
160    border-bottom: 1px solid #ff7346 !important;
161  
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163
164/* DEN ULTIMATIVE LØSNING: Rammer alt inde i din specifikke blok */
165.clean-blog-list a, 
166.clean-blog-list .wp-block-post-title a,
167.clean-blog-list .wp-block-post-excerpt a,
168.clean-blog-list .wp-block-post-date a {
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171    border: none !important;
172    box-shadow: none !important;
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174
175/* Fjern bundstregen fra links, der indeholder billeder */
176.single-post .entry-content a:has(img), 
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178    border-bottom: none !important;
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180
181/* Sørg for at hover-effekten heller ikke vises på billeder */
182.single-post .entry-content a:has(img):hover, 
183.page .entry-content a:has(img):hover {
184    border-bottom: none !important;
185}
186
187
188
189/* Fjerne post navigation*/
190.post-navigation {
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193
194
195/* Skjul antal-vælger og Køb-knap */
196.single-product .quantity,
197.single-product .single_add_to_cart_button {
198    display: none !important;
199}
200
201/* Fjern lup-ikonet */
202.woocommerce-product-gallery__trigger {
203    display: none !important;
204}
205
206
207
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209<noscript><link rel='stylesheet' id='all-css-f6be26135eae87f8d0267ef266f0b888' href='https://www.frinans.dk/wp-content/boost-cache/static/1fde2f7ef5.min.css' type='text/css' media='all' /></noscript><link data-media="all" onload="this.media=this.dataset.media; delete this.dataset.media; this.removeAttribute( &apos;onload&apos; );" rel='stylesheet' id='all-css-f6be26135eae87f8d0267ef266f0b888' href='https://www.frinans.dk/wp-content/boost-cache/static/1fde2f7ef5.min.css' type='text/css' media="not all" />
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211
212/*# sourceURL=https://www.frinans.dk/wp-content/plugins/jetpack/_inc/blocks/subscriptions/view.css?minify=false */
213</style>
214<style id="core-block-supports-inline-css">
215.wp-container-core-buttons-is-layout-3e41869c{justify-content:center;}.wp-container-core-group-is-layout-d2989002 > .alignfull{margin-right:calc(var(--wp--preset--spacing--20) * -1);margin-left:calc(var(--wp--preset--spacing--20) * -1);}
216/*# sourceURL=core-block-supports-inline-css */
217</style>
218
219</head>
220
221<body itemtype='https://schema.org/WebPage' itemscope='itemscope' class="wp-singular page-template-default page page-id-10442 wp-custom-logo wp-embed-responsive wp-theme-astra cookies-not-set ast-desktop ast-narrow-container ast-no-sidebar astra-4.14.0 ast-single-post ast-mobile-inherit-site-logo ast-inherit-site-logo-transparent ast-hfb-header ast-normal-title-enabled">
222			
223			
224<a
225	class="skip-link screen-reader-text"
226	href="#content">
227		GÃ¥ til indholdet</a>
228
229<div
230class="hfeed site" id="page">
231			<header
232		class="site-header ast-primary-submenu-animation-fade header-main-layout-1 ast-primary-menu-enabled ast-builder-menu-toggle-icon ast-mobile-header-inline" id="masthead" itemtype="https://schema.org/WPHeader" itemscope="itemscope" itemid="#masthead"		>
233			<div id="ast-desktop-header" data-toggle-type="dropdown">
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236						<div class="site-above-header-wrap ast-builder-grid-row-container site-header-focus-item ast-container" data-section="section-above-header-builder">
237				<div class="ast-builder-grid-row ast-grid-center-col-layout-only ast-flex ast-grid-center-col-layout">
238																		<div class="site-header-above-section-center site-header-section ast-flex ast-grid-section-center">
239										<div class="ast-builder-layout-element ast-flex site-header-focus-item" data-section="title_tagline">
240							<div
241				class="site-branding ast-site-identity" itemtype="https://schema.org/Organization" itemscope="itemscope"				>
242					<span class="site-logo-img"><a href="https://www.frinans.dk/" class="custom-logo-link" rel="home"><img width="100" height="52" src="https://www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside-100x52.png" class="custom-logo" alt="Frinans logo forside" decoding="async" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside.png?resize=100%2C52&amp;ssl=1 100w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside.png?w=250&amp;ssl=1 250w" sizes="(max-width: 100px) 100vw, 100px" /></a></span>				</div>
243			<!-- .site-branding -->
244					</div>
245									</div>
246																		</div>
247					</div>
248								</div>
249			</div>
250		<div class="ast-main-header-wrap main-header-bar-wrap ">
251		<div class="ast-primary-header-bar ast-primary-header main-header-bar site-header-focus-item" data-section="section-primary-header-builder">
252						<div class="site-primary-header-wrap ast-builder-grid-row-container site-header-focus-item ast-container" data-section="section-primary-header-builder">
253				<div class="ast-builder-grid-row ast-grid-center-col-layout-only ast-flex ast-grid-center-col-layout">
254																		<div class="site-header-primary-section-center site-header-section ast-flex ast-grid-section-center">
255										<div class="ast-builder-menu-1 ast-builder-menu ast-flex ast-builder-menu-1-focus-item ast-builder-layout-element site-header-focus-item" data-section="section-hb-menu-1">
256			<div class="ast-main-header-bar-alignment"><div class="main-header-bar-navigation"><nav class="site-navigation ast-flex-grow-1 navigation-accessibility site-header-focus-item" id="primary-site-navigation-desktop" aria-label="Primary Site Navigation" itemtype="https://schema.org/SiteNavigationElement" itemscope="itemscope"><div class="main-navigation ast-inline-flex"><ul id="ast-hf-menu-1" class="main-header-menu ast-menu-shadow ast-nav-menu ast-flex  submenu-with-border stack-on-mobile"><li id="menu-item-55390" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-10442 current_page_item menu-item-55390"><a href="https://www.frinans.dk/simpel-investering/" aria-current="page" class="menu-link">Investering</a></li>
257<li id="menu-item-55498" class="menu-item menu-item-type-post_type menu-item-object-post menu-item-55498"><a href="https://www.frinans.dk/bliv-oekonomisk-uafhaengig-og-gaa-paa-tidlig-pension/" class="menu-link">Pension</a></li>
258<li id="menu-item-53250" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-53250"><a href="https://www.frinans.dk/blog/" class="menu-link">Blog</a></li>
259<li id="menu-item-56956" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-56956"><a target="_blank" href="https://www.youtube.com/c/Frinans?sub_confirmation=1" class="menu-link">YouTube</a></li>
260<li id="menu-item-56675" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-56675"><a target="_blank" href="https://buymeacoffee.com/frinans/extras" class="menu-link">Shop</a></li>
261</ul></div></nav></div></div>		</div>
262									</div>
263																		</div>
264					</div>
265								</div>
266			</div>
267	</div> <!-- Main Header Bar Wrap -->
268<div id="ast-mobile-header" class="ast-mobile-header-wrap " data-type="dropdown">
269		<div class="ast-main-header-wrap main-header-bar-wrap" >
270		<div class="ast-primary-header-bar ast-primary-header main-header-bar site-primary-header-wrap site-header-focus-item ast-builder
270-grid-row-layout-default ast-builder-grid-row-tablet-layout-default ast-builder-grid-row-mobile-layout-default" data-section="section-primary-header-builder">
271									<div class="ast-builder-grid-row ast-builder-grid-row-has-sides ast-builder-grid-row-no-center">
272													<div class="site-header-primary-section-left site-header-section ast-flex site-header-section-left">
273										<div class="ast-builder-layout-element ast-flex site-header-focus-item" data-section="title_tagline">
274							<div
275				class="site-branding ast-site-identity" itemtype="https://schema.org/Organization" itemscope="itemscope"				>
276					<span class="site-logo-img"><a href="https://www.frinans.dk/" class="custom-logo-link" rel="home"><img width="100" height="52" src="https://www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside-100x52.png" class="custom-logo" alt="Frinans logo forside" decoding="async" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside.png?resize=100%2C52&amp;ssl=1 100w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/06/Frinans-logo-forside.png?w=250&amp;ssl=1 250w" sizes="(max-width: 100px) 100vw, 100px" /></a></span>				</div>
277			<!-- .site-branding -->
278					</div>
279									</div>
280																									<div class="site-header-primary-section-right site-header-section ast-flex ast-grid-right-section">
281										<div class="ast-builder-layout-element ast-flex site-header-focus-item" data-section="section-header-mobile-trigger">
282						<div class="ast-button-wrap">
283				<button
284					type="button"
285					class="menu-toggle main-header-menu-toggle ast-mobile-menu-trigger-minimal"
286					aria-expanded="false"
287					aria-label="Main menu toggle"
288														>
289					<span class="mobile-menu-toggle-icon">
290						<span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg class='ast-mobile-svg ast-menu-svg' fill='currentColor' version='1.1' xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24'><path d='M3 13h18c0.552 0 1-0.448 1-1s-0.448-1-1-1h-18c-0.552 0-1 0.448-1 1s0.448 1 1 1zM3 7h18c0.552 0 1-0.448 1-1s-0.448-1-1-1h-18c-0.552 0-1 0.448-1 1s0.448 1 1 1zM3 19h18c0.552 0 1-0.448 1-1s-0.448-1-1-1h-18c-0.552 0-1 0.448-1 1s0.448 1 1 1z'></path></svg></span><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg class='ast-mobile-svg ast-close-svg' fill='currentColor' version='1.1' xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24'><path d='M5.293 6.707l5.293 5.293-5.293 5.293c-0.391 0.391-0.391 1.024 0 1.414s1.024 0.391 1.414 0l5.293-5.293 5.293 5.293c0.391 0.391 1.024 0.391 1.414 0s0.391-1.024 0-1.414l-5.293-5.293 5.293-5.293c0.391-0.391 0.391-1.024 0-1.414s-1.024-0.391-1.414 0l-5.293 5.293-5.293-5.293c-0.391-0.391-1.024-0.391-1.414 0s-0.391 1.024 0 1.414z'></path></svg></span>					</span>
291									</button>
292			</div>
293					</div>
294									</div>
295											</div>
296						</div>
297	</div>
298				<div class="ast-mobile-header-content content-align-flex-end ">
299						<div class="ast-builder-menu-mobile ast-builder-menu ast-builder-menu-mobile-focus-item ast-builder-layout-element site-header-focus-item" data-section="section-header-mobile-menu">
300			<div class="ast-main-header-bar-alignment"><div class="main-header-bar-navigation"><nav class="site-navigation ast-flex-grow-1 navigation-accessibility site-header-focus-item" id="ast-mobile-site-navigation" aria-label="Site Navigation: Primær" itemtype="https://schema.org/SiteNavigationElement" itemscope="itemscope"><div class="main-navigation"><ul id="ast-hf-mobile-menu" class="main-header-menu ast-nav-menu ast-flex  submenu-with-border astra-menu-animation-fade  stack-on-mobile"><li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-10442 current_page_item menu-item-55390"><a href="https://www.frinans.dk/simpel-investering/" aria-current="page" class="menu-link">Investering</a></li>
301<li class="menu-item menu-item-type-post_type menu-item-object-post menu-item-55498"><a href="https://www.frinans.dk/bliv-oekonomisk-uafhaengig-og-gaa-paa-tidlig-pension/" class="menu-link">Pension</a></li>
302<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-53250"><a href="https://www.frinans.dk/blog/" class="menu-link">Blog</a></li>
303<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-56956"><a target="_blank" href="https://www.youtube.com/c/Frinans?sub_confirmation=1" class="menu-link">YouTube</a></li>
304<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-56675"><a target="_blank" href="https://buymeacoffee.com/frinans/extras" class="menu-link">Shop</a></li>
305</ul></div></nav></div></div>		</div>
306					</div>
307			</div>
308		</header><!-- #masthead -->
309			<div id="content" class="site-content">
310		<div class="ast-container">
311		
312
313	<div id="primary" class="content-area primary">
314
315		
316					<main id="main" class="site-main">
317				<article
318class="post-10442 page type-page status-publish has-post-thumbnail ast-article-single" id="post-10442" itemtype="https://schema.org/CreativeWork" itemscope="itemscope">
319	
320				<header class="entry-header ">
321				<h1 class="entry-title" itemprop="headline">Simpel investering for begyndere</h1><div class="post-thumb-img-content post-thumb"><img data-jp-lcp-optimized="true" fetchpriority="high" loading="eager" width="768" height="432" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&#038;ssl=1" class="attachment-large size-large wp-post-image" alt="Formålet med simpel investering er at få dine penge til at arbejde for dig, så du ikke skal arbejde for dem resten af livet. Helt enkelt." itemprop="image" decoding="async" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1536%2C864 1536w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1456%2C820 1456w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1200%2C675 1200w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1120%2C630 1120w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1059%2C597 1059w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=1005%2C564 1005w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=960%2C540 960w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=800%2C450 800w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=768%2C432 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=744%2C418 744w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=706%2C398 706w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=670%2C376 670w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=640%2C360 640w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=560%2C315 560w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=400%2C225 400w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=372%2C209 372w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&amp;ssl=1&amp;resize=335%2C188 335w" sizes="(min-width: 835px) 560px, (min-width: 769px) 768px, (min-width: 441px) 728px, (min-width: 413px) 400px, (min-width: 394px) 372px, (min-width: 376px) 353px, (min-width: 361px) 335px, 320px" /></div>			</header> <!-- .entry-header -->
322		
323<div class="entry-content clear"
324	itemprop="text">
325
326	
327	
328<p class="wp-block-paragraph">Velkommen til simpel investering for begyndere.</p>
329
330
331
332<p class="wp-block-paragraph">Investering kan virke svært, utilgængeligt og ikke mindst kompliceret.</p>
333
334
335
336<p class="wp-block-paragraph">Men sådan behøver det slet ikke at være!</p>
337
338
339
340<p class="wp-block-paragraph"><strong>Findes også som et <a href="https://buymeacoffee.com/frinans/e/555110">videokursus</a> på 1,5 time.</strong></p>
341
342
343
344<figure class="wp-block-image aligncenter size-full"><a href="https://buymeacoffee.com/frinans/e/555110"><img data-recalc-dims="1" decoding="async" width="313" height="346" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=313%2C346&#038;ssl=1" alt="" class="wp-image-56914" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?w=313&amp;ssl=1 313w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=232%2C256&amp;ssl=1 232w" sizes="(max-width: 313px) 100vw, 313px"></a></figure>
345
346
347
348<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
349
350
351
352<p class="wp-block-paragraph">Siden her er delt op i en række temaer, der giver mening at følge i kronologisk rækkefølge, men du kan hoppe frem og tilbage ved at klikke i indholdsfortegnelsen. </p>
353
354
355<div class="lwptoc lwptoc-autoWidth lwptoc-baseItems lwptoc-light lwptoc-notInherit" data-smooth-scroll="1" data-smooth-scroll-offset="24"><div class="lwptoc_i">    <div class="lwptoc_header">
356        <b class="lwptoc_title">Indholdsfortegnelse</b>
356                    <span class="lwptoc_toggle">
357                <a href="#" class="lwptoc_toggle_label" data-label="show">hide</a>            </span>
358            </div>
359<div class="lwptoc_items lwptoc_items-visible">
360    <div class="lwptoc_itemWrap"><div class="lwptoc_item">    <a href="#Opsparing_eller_investering">
361                    <span class="lwptoc_item_number">1</span>
362                <span class="lwptoc_item_label">Opsparing eller investering?</span>
363    </a>
364    </div><div class="lwptoc_item">    <a href="#Investering_Gambling">
365                    <span class="lwptoc_item_number">2</span>
366                <span class="lwptoc_item_label">Investering &gt; Gambling</span>
367    </a>
368    </div><div class="lwptoc_item">    <a href="#Din_risikoprofil">
369                    <span class="lwptoc_item_number">3</span>
370                <span class="lwptoc_item_label">Din risikoprofil</span>
371    </a>
372    </div><div class="lwptoc_item">    <a href="#Gor-det-selv_eller_ej">
373                    <span class="lwptoc_item_number">4</span>
374                <span class="lwptoc_item_label">Gør-det-selv eller ej</span>
375    </a>
376    </div><div class="lwptoc_item">    <a href="#Din_portefolje">
377                    <span class="lwptoc_item_number">5</span>
378                <span class="lwptoc_item_label">Din portefølje</span>
379    </a>
380    </div><div class="lwptoc_item">    <a href="#Diversificering">
381                    <span class="lwptoc_item_number">6</span>
382                <span class="lwptoc_item_label">Diversificering</span>
383    </a>
384    </div><div class="lwptoc_item">    <a href="#Investering_i_aktier">
385                    <span class="lwptoc_item_number">7</span>
386                <span class="lwptoc_item_label">Investering i aktier</span>
387    </a>
388    </div><div class="lwptoc_item">    <a href="#Investering_i_obligationer">
389                    <span class="lwptoc_item_number">8</span>
390                <span class="lwptoc_item_label">Investering i obligationer</span>
391    </a>
392    </div><div class="lwptoc_item">    <a href="#Investering_i_ejendom">
393                    <span class="lwptoc_item_number">9</span>
394                <span class="lwptoc_item_label">Investering i ejendom</span>
395    </a>
396    </div><div class="lwptoc_item">    <a href="#Investering_i_Bitcoin">
397                    <span class="lwptoc_item_number">10</span>
398                <span class="lwptoc_item_label">Investering i Bitcoin</span>
399    </a>
400    </div><div class="lwptoc_item">    <a href="#Investeringsstrategi">
401                    <span class="lwptoc_item_number">11</span>
402                <span class="lwptoc_item_label">Investeringsstrategi</span>
403    </a>
404    </div><div class="lwptoc_item">    <a href="#Omkostninger">
405                    <span class="lwptoc_item_number">12</span>
406                <span class="lwptoc_item_label">Omkostninger</span>
407    </a>
408    </div><div class="lwptoc_item">    <a href="#Verdensindekset">
409                    <span class="lwptoc_item_number">13</span>
410                <span class="lwptoc_item_label">Verdensindekset</span>
411    </a>
412    </div><div class="lwptoc_item">    <a href="#Pension">
413                    <span class="lwptoc_item_number">14</span>
414                <span class="lwptoc_item_label">Pension</span>
415    </a>
416    </div><div class="lwptoc_item">    <a href="#De_tre_bedste_danske_fonde">
417                    <span class="lwptoc_item_number">15</span>
418                <span class="lwptoc_item_label">De tre bedste danske fonde</span>
419    </a>
420    </div><div class="lwptoc_item">    <a href="#Timing">
421                    <span class="lwptoc_item_number">16</span>
422                <span class="lwptoc_item_label">Timing</span>
423    </a>
424    </div><div class="lwptoc_item">    <a href="#Manedsopsparing">
425                    <span class="lwptoc_item_number">17</span>
426                <span class="lwptoc_item_label">MÃ¥nedsopsparing</span>
427    </a>
428    </div><div class="lwptoc_item">    <a href="#Rebalancering">
429                    <span class="lwptoc_item_number">18</span>
430                <span class="lwptoc_item_label">Rebalancering</span>
431    </a>
432    </div><div class="lwptoc_item">    <a href="#Skat_og_investering">
433                    <span class="lwptoc_item_number">19</span>
434                <span class="lwptoc_item_label">Skat og investering</span>
435    </a>
436    </div><div class="lwptoc_item">    <a href="#Mine_investeringer">
437                    <span class="lwptoc_item_number">20</span>
438                <span class="lwptoc_item_label">Mine investeringer</span>
439    </a>
440    </div></div></div>
441</div></div>
442
443
444<p class="wp-block-paragraph">Først skal du dog lige finde ud af, om du overhovedet skal igang med investering. </p>
445
446
447
448<h2 class="wp-block-heading"><span id="Opsparing_eller_investering">Opsparing eller investering?</span></h2>
449
450
451
452<p class="wp-block-paragraph">Det første du skal gøre, hvis der er et plus på kontoen, er at finde ud af, om pengene skal spares op eller investeres, hvilket er en ret simpel øvelse.</p>
453
454
455
456<ul class="wp-block-list">
457<li><strong>Kan pengene få lov at arbejde i mindst tre år, uden at du får brug for dem?</strong></li>
458</ul>
459
460
461
462<p class="wp-block-paragraph">Er svaret <strong>ja</strong>, skal de investeres, hvilket resten af siden her handler om.</p>
463
464
465
466<p class="wp-block-paragraph">Er svaret <strong>nej</strong>, er tidshorisonten for kort til investering og pengene skal i stedet spares op. </p>
467
468
469
470<p class="wp-block-paragraph">Er tidshorisonten over tre år gælder det om at investere pengene og ikke gamble dem væk på spekulation.</p>
471
472
473
474<p class="wp-block-paragraph"><em>Det kan også være værd at overveje, om det giver mere mening at afbetale gæld, før du investerer. Der findes ikke nogen bredt anerkendt tommelfingerregel, men har du gæld med mere end 6-7% i renter, er det nok bedre at afbetale den først. </em></p>
475
476
477
478<h2 class="wp-block-heading"><span id="Investering_Gambling">Investering &gt; Gambling</span></h2>
479
480
481
482<p class="wp-block-paragraph">Spekulation er kortsigtet og jagten på den store gevinst, hvorimod investering er langsigtet med fokus på langsomt, men sikkert, at blive rigere.</p>
483
484
485
486<p class="wp-block-paragraph">Spekulation i enkeltaktier med et kort sigte minder mere om gambling end investering.</p>
487
488
489
490<p class="wp-block-paragraph"><strong>“Get rich slowly vs. Get poor quickly”</strong></p>
491
492
493
494<figure class="wp-block-image size-medium"><img data-recalc-dims="1" loading="lazy" decoding="async" width="500" height="333" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?resize=500%2C333&#038;ssl=1" alt="Forskellen på investering og spekulation" class="wp-image-50640" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?resize=500%2C333&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?resize=384%2C256&amp;ssl=1 384w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?w=768&amp;
494ssl=1 768w" sizes="auto, (max-width: 500px) 100vw, 500px"></figure>
495
496
497
498<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
499
500
501
502<p class="wp-block-paragraph">Dit mål som investor bør være systematisk at blive rigere og ikke at lede efter en lottokupon.</p>
503
504
505
506<p class="wp-block-paragraph">Investering er en dyd og den dyd er tålmodighed.</p>
507
508
509
510<p class="wp-block-paragraph">Hvis du vil lege lidt med renters rente og hvad det kan blive til, har jeg lavet en simpel udgave her:</p>
511
512
513
514<div id="investment-app-root" style="all: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif; display: block; width: 100%; background: #fff; padding: 10px 0;">
515    <style>
516        #investment-app-root .calc-container {
517            max-width: 768px;
518            margin: 0 auto;
519            text-align: center;
520            color: #000;
521            padding: 0 10px;
522            box-sizing: border-box;
523        }
524        
525        #investment-app-root .sliders-flex {
526            display: flex;
527            flex-wrap: wrap; 
528            justify-content: space-between;
529            gap: 15px;
530            margin-bottom: 50px;
531            margin-top: 20px;
532        }
533        
534        #investment-app-root .input-group { 
535            flex: 1; 
536            min-width: 160px; 
537            text-align: left; 
538        }
539        
540        #investment-app-root .label { font-weight: bold; display: block; margin-bottom: 12px; font-size: 13px; color: #1a1a1a; white-space: nowrap; }
541        #investment-app-root .value-display { font-size: 22px; font-weight: 800; margin-top: 8px; white-space: nowrap; }
542
543        #investment-app-root input[type=range] {
544            width: 100%;
545            -webkit-appearance: none;
546            background: transparent;
547            cursor: pointer;
548        }
549        #investment-app-root input[type=range]::-webkit-slider-runnable-track {
550            width: 100%;
551            height: 4px;
552            background: #e0e0e0;
553            border-radius: 2px;
554        }
555        #investment-app-root input[type=range]::-webkit-slider-thumb {
556            height: 24px;
557            width: 24px;
558            border-radius: 50%;
559            background: #1a1a1a;
560            -webkit-appearance: none;
561            margin-top: -10px;
562            box-shadow: 0 2px 4px rgba(0,0,0,0.1);
563        }
564        
565        #investment-app-root .total-value { font-size: 64px; font-weight: 900; margin: 0; line-height: 1; letter-spacing: -2px; }
566        #investment-app-root .res-subtext { font-size: 18px; margin-top: 10px; color: #333; }
567        #investment-app-root .highlight-orange { color: #ff7346; font-weight: bold; }
568        #investment-app-root .disclaimer { font-size: 11px; color: #999; margin-top: 50px; line-height: 1.5; max-width: 100%; }
569
570        @media (max-width: 650px) {
571            #investment-app-root .input-group { flex: 1 1 40%; } 
572            #investment-app-root .total-value { font-size: 48px; }
573        }
574    </style>
575
576    <div class="calc-container">
577        <div class="sliders-flex">
578            <div class="input-group">
579                <span class="label">Startbeløb</span>
580                <input type="range" id="js-initial" min="0" max="1000000" step="1000" value="10000">
581                <div class="value-display"><span id="js-initial-val">10.000</span> kr.</div>
582            </div>
583
584            <div class="input-group">
585                <span class="label">MÃ¥nedsopsparing</span>
586                <input type="range" id="js-monthly" min="0" max="25000" step="500" value="2000">
587                <div class="value-display"><span id="js-monthly-val">2.000</span> kr.</div>
588            </div>
589
590            <div class="input-group">
591                <span class="label">Afkast</span>
592                <input type="range" id="js-rate" min="0" max="15" step="0.5" value="7">
593                <div class="value-display"><span id="js-rate-val">7</span>%</div>
594            </div>
595
596            <div class="input-group">
597                <span class="label">Tidshorisont</span>
598                <input type="range" id="js-years" min="1" max="50" step="1" value="20">
599                <div class="value-display"><span id="js-years-val">20</span> år</div>
600            </div>
601        </div>
602
603        <div class="total-value" id="js-total">1.041.871 kr.</div>
604        <p class="res-subtext">når du investerer i <span class="highlight-orange" id="js-res-years">20 år</span></p>
605
606        <p class="disclaimer">
607            * Beregningen skal ses som et eksempel på, hvordan en investering kan udvikle sig over tid. 
608            Det faktiske afkast afhænger af, hvad du investerer i. Finansielle instrumenter kan både stige og falde i værdi.
609        </p>
610    </div>
611
612    
613</div>
614
615
616
617<p class="wp-block-paragraph">Men, hvor skal du starte?</p>
618
619
620
621<p class="wp-block-paragraph">Svaret er din risikoprofil.</p>
622
623
624
625<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
626<h3 class="wp-block-heading has-text-align-center">
626<span id="Gratis_investeringsplan">Gratis investeringsplan</span></h3>
627
628
629
630<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
631
632
633
634<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
635
636
637
638<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
639
640
641
642<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
643
644
645
646<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
647<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
648</div>
649</div></div>
650
651
652
653<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
654
655
656
657<h2 class="wp-block-heading"><span id="Din_risikoprofil">Din risikoprofil</span></h2>
658
659
660
661<p class="wp-block-paragraph"><strong>Alt investering bør starte med <a href="https://www.frinans.dk/risikoprofil/">din risikoprofil</a>.</strong> Basalt set går investering ud på at forstå din risikoprofil og så matche den med dine investeringer i praksis.&nbsp;</p>
662
663
664
665<p class="wp-block-paragraph">Starter du ikke med risikoprofilen, bevæger du dig ud på meget dybt vand uden redningsvest og uden evnen til at kunne svømme.</p>
666
667
668
669<p class="wp-block-paragraph">Ikke smart.&nbsp;</p>
670
671
672
673<p class="wp-block-paragraph">Din risikoprofil består af:</p>
674
675
676
677<ul class="wp-block-list">
678<li>Din risikoevne</li>
679
680
681
682<li>Din risikovilje</li>
683
684
685
686<li>Din tidshorisont</li>
687</ul>
688
689
690
691<p class="wp-block-paragraph"><strong>Risikoevnen</strong> er den type af risiko, der er mere objektiv og af økonomisk karakter. Det dækker sådan noget som din arbejdsevne, løn, kompetencer, forbrug, jobsituation og gæld.</p>
692
693
694
695<p class="wp-block-paragraph">Den anden del kaldes for <strong>risikovilje</strong> og er af mere psykologisk karakter. Den dækker håndtering af tab, evnen til at tænke rationelt, om du formår at holde hovedet koldt og om du generelt bekymrer dig meget om penge og din økonomi.</p>
696
697
698
699<p class="wp-block-paragraph">Den tredje del gælder din <strong>tidshorisont</strong>, som har meget at skulle have sagt i forhold til, hvor stor risiko du skal tage med dine investeringer. Basalt set kan det siges, at jo længere din tidshorisont er, jo mere risiko kan og bør du tage.</p>
700
701
702
703<p class="wp-block-paragraph"><strong>Du skal kende din risikoprofil, fordi dit mål som investor er, at afspejle den i sammensætningen af din portefølje og dermed dine investeringer.</strong></p>
704
705
706
707<p class="wp-block-paragraph">Det betyder også, at du ikke bare kan sammenligne dine investeringer eller dit afkast med andre, for det kræver jo, at du kender deres risikoprofil, for at sammenligningen kan give mening.</p>
708
709
710
711<p class="wp-block-paragraph">Det kan være svært at vurdere risikoprofilen præcist selv, men der er heldigvis hjælp at hente.</p>
712
713
714
715<p class="wp-block-paragraph">Brug <a href="https://www.frinans.dk/links/norminvest" target="_blank" rel="noreferrer noopener">Norm Invests gratis investeringsplan</a> (reklame) til at forstå din risikoprofil ordenligt.&nbsp;</p>
716
717
718
719<p class="wp-block-paragraph">Vil du for nemhedens skyld videre, kan vi godt tillade os at lave en grov skitse:</p>
720
721
722
723<ul class="wp-block-list">
724<li>Lav risiko: 40% aktier og 60% obligationer</li>
725
726
727
728<li>Middel risiko: 60% aktier og 40% obligationer</li>
729
730
731
732<li>Høj risiko: 80% aktier og 20% obligationer</li>
733
734
735
736<li>Meget høj risiko: 100% aktier og 0% obligationer</li>
737</ul>
738
739
740
741<p class="wp-block-paragraph">Måske du synes, at det er nemt at vurdere, måske du har brug for lidt input. </p>
742
743
744
745<p class="wp-block-paragraph">Inden vi runder det at sammensætte en investeringsportefølje, kigger vi lige på de to grundlæggende måder at investere på.</p>
746
747
748
749<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
750<h3 class="wp-block-heading has-text-align-center">
750<span id="Gratis_investeringsplan1">Gratis investeringsplan</span></h3>
751
752
753
754<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
755
756
757
758<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
759
760
761
762<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
763
764
765
766<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
767
768
769
770<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
771<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
772</div>
773</div></div>
774
775
776
777<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
778
779
780
781<h2 class="wp-block-heading"><span id="Gor-det-selv_eller_ej">Gør-det-selv eller ej</span></h2>
782
783
784
785<p class="wp-block-paragraph">Der findes grundlæggende to måder at investere på:</p>
786
787
788
789<ul class="wp-block-list">
790<li>Gør-det-selv</li>
791
792
793
794<li>Andre-gør-det-for-dig</li>
795</ul>
796
797
798
799<p class="wp-block-paragraph"><strong>Gør-det-selv investering</strong> er det, du kan lære mere om her på siden. </p>
800
801
802
803<p class="wp-block-paragraph"><strong>Andre-gør-det-for-dig</strong> er en løsning, hvor du ikke selv står med ansvaret for dine investeringer. </p>
804
805
806
807<p class="wp-block-paragraph">Sidstnævnte passer godt til dig, der enten er utryg ved at stå for det selv, ikke har tiden eller overskuddet til at sætte dig ind i det eller bare gerne vil udlicitere den opgave, så du kan fokusere din sparsomme tid på noget andet.</p>
808
809
810
811<p class="wp-block-paragraph">Hvis du er interesseret i en investeringsløsning, hvor du ikke selv skal stå for det hele, er føromtalte Norm Invest et rigtig godt bud, men der er også andre investeringsrobotter på markedet i Danmark. </p>
812
813
814
815<p class="wp-block-paragraph">Det er basalt set det samme du gør, hvis du har et pensionsselskab til at forvalte din pension.</p>
816
817
818
819<p class="wp-block-paragraph">Men, at lære at gøre-det-selv er nemmere og simplere end du tror. </p>
820
821
822
823<p class="wp-block-paragraph">Det er dog vigtigt at pointere, at der ikke er noget forkert i, at få andre til at gøre-det-for-dig. I sidste ende gælder det om at vælge den løsning, der passer bedst til dig og din situation.</p>
824
825
826
827<p class="wp-block-paragraph">Og så videre til porteføljen.</p>
828
829
830
831<h2 class="wp-block-heading"><span id="Din_portefolje"><strong>Din portefølje</strong></span></h2>
832
833
834
835<p class="wp-block-paragraph"><strong>Med din risikoprofil i hånden er du klar til at forholde dig til, hvordan din <a href="https://www.frinans.dk/portefolje/">investeringsportefølje</a> skal sammensættes.</strong></p>
836
837
838
839<p class="wp-block-paragraph">De enkelte typer af investeringer kaldes for et investeringsaktiv. Det kunne eksempelvis være:</p>
840
841
842
843<ul class="wp-block-list">
844<li><a href="https://www.frinans.dk/aktier-for-begyndere/" type="post" id="21789">Aktier</a></li>
845
846
847
848<li><a href="https://www.frinans.dk/ordbog/obligationer/">Obligationer</a></li>
849
850
851
852<li><a href="https://www.frinans.dk/ejendomsinvestering/">Ejendom</a></li>
853
854
855
856<li><a href="https://www.frinans.dk/bitcoin/">Bitcoin</a></li>
857</ul>
858
859
860
861<p class="wp-block-paragraph">Ønsker du at holde tingene så simple som muligt, så kan du godt nøjes med at sammensætte din portefølje af aktier og obligationer, men ejendomsinvestering og Bitcoin er gode muligheder for yderligere diversificering.</p>
862
863
864
865<p class="wp-block-paragraph">Vi kigger nærmere på de forskellige aktiver lige om lidt, men først skal vi lige runde begrebet diversificering. </p>
866
867
868
869<h2 class="wp-block-heading"><span id="Diversificering"><strong>Diversificering</strong></span></h2>
870
871
872
873<p class="wp-block-paragraph"><a href="https://www.frinans.dk/diversificering/"><strong>Diversificering</strong></a><strong>&nbsp;handler om at sprede investeringen ud.</strong> Det kan være horisontalt, på tværs af aktiver, eksempelvis aktier og obligationer, og vertikalt indenfor det enkelte aktiv, eksempelvis ved at eje mange forskellige aktier.</p>
874
875
876
877<p class="wp-block-paragraph">Du sænker risikoen i din portefølje ved at eje forskellige typer af aktiver, der klarer sig forskelligt afhængigt af den økonomiske udvikling i verden.</p>
878
879
880
881<p class="wp-block-paragraph">Du sænker også risikoen ved at investere bredt indenfor det enkelte aktiv, eksempelvis ved at eje mange forskellige aktier fremfor kun ganske få.</p>
882
883
884
885<p class="wp-block-paragraph">Aktier er mere risikofyldte end obligationer og ejendom. Bitcoin er det absolut mest risikofyldte af de aktiver, vi skal se på.</p>
886
887
888
889<p class="wp-block-paragraph">Følgende lyder åndssvagt, men er en vigtig læring for især begyndere:</p>
890
891
892
893<p class="wp-block-paragraph"><strong>“Spredning er redning”</strong></p>
894
895
896
897<p class="wp-block-paragraph">Sørg for at få spredt din risiko godt og lad for guds skyld være med at købe en håndfuld enkeltaktier, fordi du tror særligt på de virksomheder. </p>
898
899
900
901<p class="wp-block-paragraph">Lad os blive klogere på hvert af aktiverne, vi starter med aktierne.</p>
902
903
904
905<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
906<h3 class="wp-block-heading has-text-align-center">
906<span id="Gratis_investeringsplan2">Gratis investeringsplan</span></h3>
907
908
909
910<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
911
912
913
914<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
915
916
917
918<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
919
920
921
922<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
923
924
925
926<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
927<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
928</div>
929</div></div>
930
931
932
933<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
934
935
936
937<h2 class="wp-block-heading"><span id="Investering_i_aktier"><strong>Investering i aktier</strong></span></h2>
938
939
940
941<p class="wp-block-paragraph"><strong>Ejer du&nbsp;<a href="https://www.frinans.dk/aktier-for-begyndere/">aktier</a>&nbsp;i en virksomhed, ejer du en del af virksomheden.</strong> Som aktionær kan du tjene penge på to måder:</p>
942
943
944
945<ul class="wp-block-list">
946<li><a href="https://www.frinans.dk/ordbog/udbytte/">Udbytte</a></li>
947
948
949
950<li>Kursstigning</li>
951</ul>
952
953
954
955<p class="wp-block-paragraph">Mange virksomheder vælger at betale en del af overskuddet fra virksomheden tilbage til ejerne, aktionærerne, i form af et udbytte. I Danmark udbetales udbytter oftest en gang om året på et tidspunkt i foråret.</p>
956
957
958
959<p class="wp-block-paragraph">Kursstigningen kommer af handel med aktien på børsen og er derfor et udtryk for udbud og efterspørgsel. Sælger du en aktie for mere, end du har købt den for, tjener du penge på kursstigningen.</p>
960
961
962
963<p class="wp-block-paragraph"><strong>Aktier er kendetegnet ved høj risiko og et højt afkast.</strong></p>
964
965
966
967<h2 class="wp-block-heading"><span id="Investering_i_obligationer"><strong>Investering i obligationer</strong></span></h2>
968
969
970
971<p class="wp-block-paragraph"><a href="https://www.frinans.dk/ordbog/obligationer/"><strong>Obligationer</strong></a><strong>&nbsp;er basalt set et lån</strong> og der findes groft sagt tre typer af dem: Statsobligationer, realkreditobligationer og virksomhedsobligationer.</p>
972
973
974
975<p class="wp-block-paragraph">Obligationer har en rente og en løbetid. Når løbetiden udrinder udbetales den oprindelige pris på obligationen.</p>
976
977
978
979<p class="wp-block-paragraph">Det er okay, hvis du synes det er svært, de færreste forstår reelt, hvordan obligationer virker.</p>
980
981
982
983<p class="wp-block-paragraph">Med obligationer, kan du tjene penge på to måder:</p>
984
985
986
987<ul class="wp-block-list">
988<li>Renter</li>
989
990
991
992<li>Kursstigning</li>
993</ul>
994
995
996
997<p class="wp-block-paragraph">Obligationer udbetaler en rente og dermed er den løbende indtægt herfra kendt på forhånd. Stiger renten, udbetaler nye obligationer en højere rente og dermed falder værdien på obligationerne med en lavere rente og omvendt.</p>
998
999
1000
1001<p class="wp-block-paragraph"><em>Obligationer kan have meget forskellig risiko og afkast.</em></p>
1002
1003
1004
1005<p class="wp-block-paragraph">Virksomhedsobligationer fra eksotiske egne har en større risiko end danske statsobligationer. For enkelthedens skyld antager vi dog at:</p>
1006
1007
1008
1009<p class="wp-block-paragraph"><strong>Obligationer er kendetegnet ved lav risiko og et lavt afkast.</strong></p>
1010
1011
1012
1013<h2 class="wp-block-heading"><span id="Investering_i_ejendom"><strong>Investering i ejendom</strong></span></h2>
1014
1015
1016
1017<p class="wp-block-paragraph"><strong>Ejendomsinvestering&nbsp;er måske den form investering, vi bredt set kender bedst i Danmark. </strong>Danskerne er vilde med at betragte deres ejerbolig som en investering.</p>
1018
1019
1020
1021<p class="wp-block-paragraph">Problemet i den henseende er, at det kan være svært at spise mursten, så med mindre, at du spekulerer i et senere salg eller en refinansiering af lånene, så er det mest af alt en opsparing med et investeringspotentiale, hvis du en dag skulle sælge det.</p>
1022
1023
1024
1025<p class="wp-block-paragraph">Vil du reelt investere i ejendom kan det gøres på flere måder. Du kan eksempelvis købe ejendomme med henblik på udlejning. Det kan være særdeles lukrativt, men kræver en del viden, kompetencer og arbejde. </p>
1026
1027
1028
1029<p class="wp-block-paragraph">Du kan også investere i ejendomme igennem REITs, der nemmest kan forstås som en fond med ejendomme.</p>
1030
1031
1032
1033<p class="wp-block-paragraph">Mange danskere, hvilket især gælder dem med nok penge til investering, ender med at eje den bolig, de bor i. På den måde er ejendom allerede en meget stor del af din privatøkonomi og formue. </p>
1034
1035
1036
1037<p class="wp-block-paragraph">I dette tilfælde er det ikke nødvendigt at tænke yderligere på investering i ejendom, hvis ønsket er at holde tingene simple.</p>
1038
1039
1040
1041<p class="wp-block-paragraph"><strong>Ejendom er kendetegnet ved middel risiko og et middel afkast.</strong></p>
1042
1043
1044
1045<h2 class="wp-block-heading"><span id="Investering_i_Bitcoin"><strong>Investering i Bitcoin</strong></span></h2>
1046
1047
1048
1049<p class="wp-block-paragraph"><a href="https://www.frinans.dk/bitcoin/"><strong>Bitcoin</strong></a><strong>&nbsp;har taget verden med storm siden det så dagens lys tilbage i 2009.</strong> Det er både et kompliceret emne og kan være svært tilgængeligt for mange.</p>
1050
1051
1052
1053<p class="wp-block-paragraph">Personligt investerer jeg indirekte i Bitcoin ved at sætte penge i en aktie, der hedder <a href="https://www.frinans.dk/microstrategy/">MicroStrategy</a>, som køber så mange bitcoins, de overhovedet kan. Aktien er derfor blevet en proxy for investering i Bitcoin, men uden, at du skal vide noget som helst om wallets, blockchains eller noget som helst andet. </p>
1054
1055
1056
1057<p class="wp-block-paragraph">Derudover har jeg også en Bitcoin ETP i mine depoter, der er en mere direkte investering i Bitcoin.</p>
1058
1059
1060
1061<p class="wp-block-paragraph">Hvis det virker for eksotisk eller vanvittigt for dig at tænke i at tilføje Bitcoin til dine investeringer, så springer du bare over. </p>
1062
1063
1064
1065<p class="wp-block-paragraph">Pointen er nemlig, at du sagtens kan sammensætte en god og simpel investering med aktier og obligationer måske krydret med ejendom i form af den bolig du bor i.</p>
1066
1067
1068
1069<p class="wp-block-paragraph">Jeg inkluderer Bitcoin her, fordi det er et aktiv, der fylder mere og mere i debatten og mediebilledet.</p>
1070
1071
1072
1073<p class="wp-block-paragraph"><strong>Bitcoins i porteføljen er at betragte som meget høj risiko, men også med muligheden for et afkast i den højeste ende.</strong></p>
1074
1075
1076
1077<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
1078<h3 class="wp-block-heading has-text-align-center"><span id="Nordens_storste_kryptobors">Nordens største kryptobørs</span></h3>
1079
1080
1081
1082<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1083
1084
1085
1086<figure class="wp-block-image aligncenter size-full is-resized is-style-default"><a href="https://www.frinans.dk/link/firi" target="_blank" rel="noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="432" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=768%2C432&#038;ssl=1" alt="Firi Nordens største kryptobørs" class="wp-image-51805" style="width:547px;height:auto" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=500%2C281&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=455%2C256&amp;ssl=1 455w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=768%2C432&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1087
1088
1089
1090<p class="has-text-align-center wp-block-paragraph">Investér i krypto, nemt og sikkert hos <strong><a href="https://www.frinans.dk/link/firi" target="_blank" rel="noreferrer noopener">Firi</a></strong>. Det tager 3 minutter at oprette dig.</p>
1091
1092
1093
1094<p class="has-text-align-center wp-block-paragraph"><em>(husk promokoden&nbsp;<mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">frinans</mark>)</em></p>
1095
1096
1097
1098<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
1099<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.frinans.dk/link/firi" style="border-radius:10px" target="_blank" rel="noreferrer noopener">Få 50 kr. i bonus →</a></div>
1100</div>
1101
1102
1103
1104<div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div>
1105
1106
1107
1108<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Investering i kryptovaluta indebærer risiko, og du skal være over 18 år.</em></p>
1109</div></div>
1110
1111
1112
1113<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1114
1115
1116
1117<p class="wp-block-paragraph">Vi fortsætter med at se på, hvilken investeringsstrategi der kan give os det bedste afkast.</p>
1118
1119
1120
1121<h2 class="wp-block-heading"><span id="Investeringsstrategi"><strong>Investeringsstrategi</strong></span></h2>
1122
1123
1124
1125<p class="wp-block-paragraph"><strong>Når det kommer til investering, er der to grundlæggende strategier at følge<
1125/strong>, uanset om du gør-det-selv eller anvender en andre-gør-det-for-dig løsning:</p>
1126
1127
1128
1129<ul class="wp-block-list">
1130<li>Aktiv investering</li>
1131
1132
1133
1134<li>Passiv investering</li>
1135</ul>
1136
1137
1138
1139<p class="wp-block-paragraph">Ved&nbsp;<strong>aktiv</strong>&nbsp;investering forsøges det at slå markedet, klare sig bedre end gennemsnittet, med risikoen for at tabe til markedet, klare sig dårligere end gennemsnittet. </p>
1140
1141
1142
1143<ul class="wp-block-list">
1144<li>Aktiv investering er at lede efter nålen i høstakken.</li>
1145</ul>
1146
1147
1148
1149<p class="wp-block-paragraph">Ved&nbsp;<strong>passiv</strong>&nbsp;investering ønskes det at matche markedet og dermed opnå gennemsnitsudviklingen af markedet.</p>
1150
1151
1152
1153<ul class="wp-block-list">
1154<li>Passiv investering er at købe hele høstakken.</li>
1155</ul>
1156
1157
1158
1159<figure class="wp-block-image size-large"><img data-recalc-dims="1" loading="lazy" decoding="async" width="720" height="720" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=720%2C720&#038;ssl=1" alt="First rule of Wall Street" class="wp-image-50647" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=720%2C720&amp;ssl=1 720w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=500%2C500&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=256%2C256&amp;ssl=1 256w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?w=768&amp;ssl=1 768w" sizes="auto, (max-width: 720px) 100vw, 720px"></figure>
1160
1161
1162
1163<p class="wp-block-paragraph"><a href="https://www.frinans.dk/det-matematiske-argument-for-passiv-investering/">Det matematiske argument for passiv investering</a> af William F. Sharpe lærer os, at pga. de højere omkostninger ved aktiv investering, vil passive investorer i gennemsnit få et højere afkast.</p>
1164
1165
1166
1167<p class="wp-block-paragraph">Det er simpelthen en matematisk naturlov.</p>
1168
1169
1170
1171<p class="wp-block-paragraph">Eugene F. Fama fik nobelprisen i økonomi for modellen&nbsp;<a href="https://rationalreminder.ca/blog/2019/12/5/efficient-capital-markets-explained-at-last">den efficiente markedshypotese</a>&nbsp;som siger at:</p>
1172
1173
1174
1175<p class="wp-block-paragraph">“Prisen på et aktiv reflekterer al tilgængelig information om aktivet”.</p>
1176
1177
1178
1179<p class="wp-block-paragraph">Med andre ord… du ved ikke mere end summen af andres viden, som er reflekteret i prisen på en aktie.</p>
1180
1181
1182
1183<p class="wp-block-paragraph"><strong>Du kan ikke have en fordel i markedet</strong>&nbsp;og det er ekstremt usandsynligt, at du som aktiv investor slår markedet ved at udvælge enkeltaktier, så hvorfor ikke bare træffe det intelligente valg og være passiv investor?</p>
1184
1185
1186
1187<p class="wp-block-paragraph">9/10 professionelle investorer kan ikke slå markedet efter omkostninger, så hvad får dig til at tro, at du kan?</p>
1188
1189
1190
1191<figure class="wp-block-image size-large"><a href="https://www.spglobal.com/spdji/en/research-insights/spiva/" target="_blank" rel="noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="412" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=768%2C412&#038;ssl=1" alt="Langt de fleste investorer kan ikke slå markedet" class="wp-image-28210" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=1024%2C549&amp;ssl=1 1024w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=500%2C268&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=477%2C256&amp;ssl=1 477w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=768%2C412&amp;ssl=1 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?w=1406&amp;ssl=1 1406w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1192
1193
1194
1195<p class="wp-block-paragraph">Jeg synes, at du skal overveje at afsætte en lille times tid til at høre dengang Morten Münster gæstede Millionærklubben til en diskussion om, hvorvidt de aktive investorer er i stand til at forudsige noget som helst om fremtiden på aktiemarkedet. </p>
1196
1197
1198
1199<p class="wp-block-paragraph">Jeg advarer på forhånd, det er en smule tåkrummende at høre den aktive investorer argumentere for sin eksistensberettigelse som et lille barn.</p>
1200
1201
1202
1203<iframe loading="lazy" src="https://omny.fm/shows/euroinvestor-million-rklubben/k-b-eller-s-lg-sp-rg-stjernerne/embed?style=Cover" width="100%" height="180" allow="autoplay; clipboard-write" frameborder="0" title="Køb eller sælg - spørg stjernerne"></iframe>
1204
1205
1206
1207<p class="wp-block-paragraph">Basalt set er det forskellen på at lede efter nålen i høstakken og bare købe hele høstakken. </p>
1208
1209
1210
1211<p class="wp-block-paragraph"><strong>Den gennemsnitlige passive investor slår den gennemsnitlige aktive investor efter omkostninger.</strong></p>
1212
1213
1214
1215<p class="wp-block-paragraph">Rent matematisk kan det ikke være anderledes.</p>
1216
1217
1218
1219<p class="wp-block-paragraph">Dét er måske den vigtigste læring overhovedet at gøre sig som investor.</p>
1220
1221
1222
1223<p class="wp-block-paragraph">En af hovedårsagerne til, at passiv investering trumfer aktiv investering er omkostningerne.</p>
1224
1225
1226
1227<h2 class="wp-block-heading"><span id="Omkostninger"><strong>Omkostninger</strong></span></h2>
1228
1229
1230
1231<p class="wp-block-paragraph"><a href="https://www.frinans.dk/ordbog/omkostninger/"><strong>Omkostninger</strong></a><strong>&nbsp;kan groft sagt deles ind i tre kategorier:</strong></p>
1232
1233
1234
1235<ul class="wp-block-list">
1236<li>Depotomkostninger</li>
1237
1238
1239
1240<li>Handelsomkostninger</li>
1241
1242
1243
1244<li>Løbende omkostninger</li>
1245</ul>
1246
1247
1248
1249<p class="wp-block-paragraph"><strong>Depotomkostninger</strong>&nbsp;er forbundet med opbevaringen af investeringsporteføljen, det at åbne og have en konto.</p>
1250
1251
1252
1253<p class="wp-block-paragraph"><strong>Handelsomkostninger</strong>&nbsp;er forbundet med at købe og sælge på børsen igennem børshandleren. En af handelsomkostningerne er <a href="https://www.frinans.dk/ordbog/kurtage/">kurtage</a>, den direkte pris, du betaler børshandleren for at lave en handel på børsen.</p>
1254
1255
1256
1257<p class="wp-block-paragraph">De&nbsp;<strong>løbende omkostninger</strong>&nbsp;gør sig gældende for fonde og ETF’er og er en betaling for, at andre gør noget for dig. De opgøres i en række forskellige typer af omkostninger og kan være lidt svære at overskue. Lang størstedelen er dog omfattet af det, der hedder administrative omkostninger.</p>
1258
1259
1260
1261<p class="wp-block-paragraph"><strong>Lad os se lidt på&nbsp;</strong><a href="https://www.frinans.dk/omkostningers-effekt-paa-dit-afkast/"><strong>omkostningernes effekt på dit afkast</strong></a><strong>.</strong></p>
1262
1263
1264
1265<p class="wp-block-paragraph">Eksempel: Portefølje 1 har løbende omkostninger på 1.60% og portefølje 2 på 0.60%. Begge porteføljer er ved start 1.000.000 kr. værd og forrentes med 7% om året over 30 år. Efter de 30 år er portefølje 1,&nbsp;<strong>4.844.000 kr.</strong>&nbsp;værd og portefølje 2,&nbsp;<strong>6.430.000 kr.</strong>&nbsp;værd.</p>
1266
1267
1268
1269<figure class="wp-block-image size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="716" height="442" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2020/06/Omkostningers-effekt-p%C3%A5-portef%C3%B8ljen-2.png?resize=716%2C442&#038;ssl=1" alt="" class="wp-image-11810" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2020/06/Omkostningers-effekt-p%C3%A5-portef%C3%B8ljen-2.png?w=716&amp;ssl=1 716w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2020/06/Omkostningers-effekt-p%C3%A5-portef%C3%B8ljen-2.png?resize=500%2C309&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2020/06/Omkostningers-effekt-p%C3%A5-portef%C3%B8ljen-2.png?resize=583%2C360&amp;
1269ssl=1 583w" sizes="auto, (max-width: 716px) 100vw, 716px"></figure>
1270
1271
1272
1273<p class="wp-block-paragraph">Det er forskellen på aktiv og passiv investering over tid. De 1.60% er endda konservativt sat, mange aktive fonde har langt højere omkostninger.</p>
1274
1275
1276
1277<p class="wp-block-paragraph"><strong>“Tag omkostningerne alvorligt, de har stor betydning.”</strong></p>
1278
1279
1280
1281<p class="wp-block-paragraph">Passiv investering er derfor den klart bedste investeringsstrategi.</p>
1282
1283
1284
1285<p class="wp-block-paragraph">Udfordringen er bare, at der findes mange passive fonde, så hvad skal du vælge?</p>
1286
1287
1288
1289<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
1290<h3 class="wp-block-heading has-text-align-center"><span id="Gratis_investeringsplan3">Gratis investeringsplan</span></h3>
1291
1292
1293
1294<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1295
1296
1297
1298<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1299
1300
1301
1302<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
1303
1304
1305
1306<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
1307
1308
1309
1310<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
1311<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
1312</div>
1313</div></div>
1314
1315
1316
1317<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1318
1319
1320
1321<h2 class="wp-block-heading"><span id="Verdensindekset"><strong>Verdensindekset</strong></span></h2>
1322
1323
1324
1325<p class="wp-block-paragraph"><strong><a href="https://www.frinans.dk/verdensindekset/">Verdensindekset</a> skal være vores ledestjerne, når det kommer til passiv investering i aktier.</strong></p>
1326
1327
1328
1329<p class="wp-block-paragraph">De fleste aktier handles på en børs og dem er der mange af. Den mest kendte er nok NYSE, New York Stock Exchange, men de fleste lande har en eller flere nationale børser.</p>
1330
1331
1332
1333<p class="wp-block-paragraph">Verdens aktiemarkeder inddeles yderligere i en række indeks og der findes flere virksomheder, der lever af at lave indeks, som fonde kan følge. </p>
1334
1335
1336
1337<p class="wp-block-paragraph">Det bredeste er MSCI ACWI IMI. MSCI er navnet på dem der laver indekset og ACWI står for All Country World Index, IMI betyder, at small cap aktier, mindre virksomheder, også er inkluderet. Det består af både MSCI World, de udviklede lande og MSCI Emerging Markets, udviklingslandene.</p>
1338
1339
1340
1341<ul class="wp-block-list">
1342<li>ACWI IMI er at betragte som verdensindekset.</li>
1343</ul>
1344
1345
1346
1347<p class="wp-block-paragraph">Ønsker du at investere i aktier og accepterer du præmissen om, at du ikke kan slå markedet, så er det for langt de fleste ønskværdigt at investere så bredt som muligt og det betyder investering i hele verdens aktiemarkeder i form af verdensindekset.</p>
1348
1349
1350
1351<p class="wp-block-paragraph">
1351Men husk på, at omkostningerne også var meget vigtige, så det kan være, at det lidt smallere MSCI ACWI er en bedre mulighed, hvis indeksfonden er billigere.</p>
1352
1353
1354
1355<p class="wp-block-paragraph">Det skulle gerne have forkortet listen af muligheder.</p>
1356
1357
1358
1359<h2 class="wp-block-heading"><span id="Pension"><strong>Pension</strong></span></h2>
1360
1361
1362
1363<p class="wp-block-paragraph"><strong>Gælder det en pension, kan du passende gøre brug af en </strong><a href="https://www.frinans.dk/hvad-er-en-etf/"><strong>ETF</strong></a><strong>, som er en udenlandsk fondstype.</strong></p>
1364
1365
1366
1367<p class="wp-block-paragraph">ETF’er er kendetegnet ved ekstremt lave omkostninger, men de beskattes anderledes end danske udbyttebetalende indeksfonde og derfor bruger jeg dem ikke på mit aktiedepot.</p>
1368
1369
1370
1371<p class="wp-block-paragraph">På en pensionsordning, som eksempelvis en aldersopsparing, beskattes alt ens og derfor giver det mening at vælge den indeksfond, der følger verdensindekset billigst muligt. </p>
1372
1373
1374
1375<p class="wp-block-paragraph">Vær dog opmærksom på, at det kan være dyrere i omkostninger at købe ETF’er, så måske det lige kræver en lille udregning at finde frem til den bedste løsning.</p>
1376
1377
1378
1379<p class="wp-block-paragraph">Er det på vegne af dit barn, du gerne vil investere? Så tjek indlægget om <a href="https://www.frinans.dk/boerneopsparing/">børneopsparing</a>.</p>
1380
1381
1382
1383<h2 class="wp-block-heading"><span id="De_tre_bedste_danske_fonde">De tre bedste danske fonde</span></h2>
1384
1385
1386
1387<p class="wp-block-paragraph">I Danmark synes jeg, at der især er tre fonde, der skiller sig ud, når det gælder investering i aktier på et aktiedepot.</p>
1388
1389
1390
1391<ul class="wp-block-list">
1392<li><a href="https://www.frinans.dk/sparindex-globale-aktier/" data-type="post" data-id="9309">Sparindex Globale Aktier</a></li>
1393
1394
1395
1396<li>Sparindex MSCI ACWI </li>
1397
1398
1399
1400<li><a href="https://www.frinans.dk/storebrand-alle-markeder/">Storebrand Alle Markeder</a></li>
1401</ul>
1402
1403
1404
1405<p class="wp-block-paragraph">De adskiller sig fra hinanden på især 3 områder.</p>
1406
1407
1408
1409<ul class="wp-block-list">
1410<li>Spredning</li>
1411
1412
1413
1414<li>Omkostninger</li>
1415
1416
1417
1418<li>Skat</li>
1419</ul>
1420
1421
1422
1423<p class="wp-block-paragraph">Sparindex Globale Aktier følger (næsten) MSCI ACWI IMI, Sparindex MSCI ACWI og Storebrand Alle Markeder følger MSCI ACWI.</p>
1424
1425
1426
1427<p class="wp-block-paragraph">Hvor stor er forskellen? MSCI ACWI indeholder ca. 90% af det MSCI ACWI IMI indeholder.</p>
1428
1429
1430
1431<p class="wp-block-paragraph">Sparindex Globale Aktier tilbyder derfor den største <strong>spredning</strong>. </p>
1432
1433
1434
1435<p class="wp-block-paragraph"><a href="https://marketcaps.site" target="_blank" rel="noreferrer noopener">Du kan se forskellen i indeks her.</a></p>
1436
1437
1438
1439<p class="wp-block-paragraph">Storebrand Alle Markeder er til gengæld den billigste med <strong>omkostninger</strong> på 0,3%, Sparindex MSCI ACWI næstbilligst på 0,35% og Sparindex Globale Aktier er den dyreste på 0,5%.</p>
1440
1441
1442
1443<p class="wp-block-paragraph">Der skal yderligere lægges transaktionsomkostninger internt i fondene til de tal.</p>
1444
1445
1446
1447<p class="wp-block-paragraph">De to fonde fra Sparindex bliver beskattet lige efter bogen. De udbetaler et årligt udbytte, det skal du betale skat af og så skal du betale, hvis du sælger med fortjeneste.</p>
1448
1449
1450
1451<p class="wp-block-paragraph">Fonden fra Storebrand er mere kompleks, da den udbetaler et fiktivt udbytte, du bliver beskattet af uden at se en krone, for derefter at opskrive din købspris, så du ikke bliver beskattet dobbelt, når du sælger. </p>
1452
1453
1454
1455<p class="wp-block-paragraph">Er det en kompleksitet, du kan leve med? Så overvej den. Hvis ikke, så vælg en anden. </p>
1456
1457
1458
1459<p class="wp-block-paragraph">Alle tre fonde er gode og du går ikke helt galt i byen, uanset, hvilken du vælger. </p>
1460
1461
1462
1463<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
1464<h3 class="wp-block-heading has-text-align-center">
1464<span id="Gratis_investeringsplan4">Gratis investeringsplan</span></h3>
1465
1466
1467
1468<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1469
1470
1471
1472<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1473
1474
1475
1476<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
1477
1478
1479
1480<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
1481
1482
1483
1484<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
1485<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
1486</div>
1487</div></div>
1488
1489
1490
1491<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1492
1493
1494
1495<h2 class="wp-block-heading"><span id="Timing"><strong>Timing</strong></span></h2>
1496
1497
1498
1499<p class="wp-block-paragraph"><strong>Timing er noget af det, mange nye investorer bekymrer sig mest om.</strong></p>
1500
1501
1502
1503<ul class="wp-block-list">
1504<li>Hvornår er det et godt tidspunkt at investere?</li>
1505
1506
1507
1508<li>Skal jeg vente, til markedet er faldet?</li>
1509</ul>
1510
1511
1512
1513<p class="wp-block-paragraph">Det er forståeligt, men rummer et gigantisk dilemma.</p>
1514
1515
1516
1517<p class="wp-block-paragraph"><strong>Det kan ikke lade sig gøre at forudsige fremtiden og derfor kan det heller ikke lade sig gøre, at time markedet.</strong></p>
1518
1519
1520
1521<p class="wp-block-paragraph">Der er ingen, der ved, hvornår markedet vil stige eller falde. Det vi ved er, at markedet historisk har bevæget sig volatilt på den korte bane og opad på den lange bane.</p>
1522
1523
1524
1525<p class="wp-block-paragraph">Derfor er svaret på, hvornår vi skal investere meget simpelt.</p>
1526
1527
1528
1529<p class="wp-block-paragraph">Nu.&nbsp;</p>
1530
1531
1532
1533<p class="wp-block-paragraph">
1533Som investorer belønnes vi for at tage en risiko over tid. Det betyder, at jo længere tid vores penge er investeret, jo større er sandsynligheden for et godt afkast.&nbsp;</p>
1534
1535
1536
1537<p class="wp-block-paragraph">Vi kan ikke time markedet og derfor gælder det bare om at få pengene investeret hurtigst muligt, hvis tidshorisonten passer til investering.</p>
1538
1539
1540
1541<p class="wp-block-paragraph">For mange er det også en god idé at opsætte en månedsopsparing.</p>
1542
1543
1544
1545<h2 class="wp-block-heading"><span id="Manedsopsparing"><strong>MÃ¥nedsopsparing</strong></span></h2>
1546
1547
1548
1549<p class="wp-block-paragraph"><strong>En månedsopsparing er en fast overførsel fra din bankkonto til din investeringskonto.</strong></p>
1550
1551
1552
1553<p class="wp-block-paragraph">Herfra skal pengene gerne investeres automatisk, så du ikke skal huske eller forholde dig til noget.</p>
1554
1555
1556
1557<p class="wp-block-paragraph">Automatiseret disciplin.</p>
1558
1559
1560
1561<p class="wp-block-paragraph">Er du gør-det-selv investor, kan du eksempelvis anvende Nordnets månedsopsparing, bruger du Norm Invest, laver du bare en fast overførsel og så klarer de resten.</p>
1562
1563
1564
1565<p class="wp-block-paragraph">De fleste andre banker har efterhånden også indført en månedsopsparing. </p>
1566
1567
1568
1569<p class="wp-block-paragraph">Jeg har selv brugt Nordnets månedsopsparing lige siden, jeg lavede min første investering tilbage i februar 2015.</p>
1570
1571
1572
1573<p class="wp-block-paragraph">Udover dine faste investeringer hver måned skal du også huske rebalancering.</p>
1574
1575
1576
1577<h2 class="wp-block-heading"><span id="Rebalancering"><strong>Rebalancering</strong></span></h2>
1578
1579
1580
1581<p class="wp-block-paragraph"><a href="https://www.frinans.dk/rebalancering/"><strong>Rebalancering</strong></a><strong> er en vigtig del af det at passe og pleje din portefølje over tid.</strong></p>
1582
1583
1584
1585<p class="wp-block-paragraph">De forskellige aktiver i din portefølje, vil udvikle sig forskelligt over tid. Har du fundet frem til, at en portefølje med 60% aktier og 40% obligationer er passende i forhold til din risikoprofil, så skal du løbende sørge for, at dette forhold gør sig gældende.</p>
1586
1587
1588
1589<p class="wp-block-paragraph">Stiger aktierne mere i værdi end obligationerne, vil fordelingen i porteføljen måske have forskudt sig til 70% aktier og 30% obligationer efter et års tid. Dermed er der ikke længere en passende balance i din portefølje.</p>
1590
1591
1592
1593<p class="wp-block-paragraph">Du skal derfor sælge ud af aktierne og købe ind af obligationerne, så fordelingen igen er 60/40.</p>
1594
1595
1596
1597<p class="wp-block-paragraph">Det kaldes rebalancering og kan passende gøres en gang om året i forbindelse med udbetalingen af udbytte i foråret for at minimere handelsomkostningerne.</p>
1598
1599
1600
1601<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
1602<h3 class="wp-block-heading has-text-align-center"><span id="Gratis_investeringsplan5">Gratis investeringsplan</span></h3>
1603
1604
1605
1606<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1607
1608
1609
1610<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1611
1612
1613
1614<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
1615
1616
1617
1618<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
1619
1620
1621
1622<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
1623<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
1624</div>
1625</div></div>
1626
1627
1628
1629<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1630
1631
1632
1633<h2 class="wp-block-heading"><span id="Skat_og_investering"><strong>Skat og investering</strong></span></h2>
1634
1635
1636
1637<p class="wp-block-paragraph"><a href="https://www.frinans.dk/skat-og-investering/"><strong>Skat og investering</strong></a><strong> er kompliceret uanset, hvor meget det bliver skåret ud i pap.</strong> Sådan er det i Danmark.</p>
1638
1639
1640
1641<p class="wp-block-paragraph">Formålet er at holde det simpelt og derfor fokuserer jeg på investering for frie midler og danske passive udbyttebetalende investeringsforeninger. Frie midler er betegnelsen for et investeringsdepot, der ikke er låst til en pensionsalder.</p>
1642
1643
1644
1645<p class="wp-block-paragraph">De fleste steder hedder det bare et aktiedepot.</p>
1646
1647
1648
1649<p class="wp-block-paragraph">En aktiesparekonto er noget andet.</p>
1650
1651
1652
1653<p class="wp-block-paragraph">Endavu har en ret god oversigt i en guide <a href="https://endavu.com/blog/skat-og-investering-guide-2025" target="_blank" rel="noreferrer noopener">her</a>. </p>
1654
1655
1656
1657<figure data-wp-context="{&quot;imageId&quot;:&quot;6ac6494dbd2d2&quot;}
1657" data-wp-interactive="core/image" data-wp-key="6ac6494dbd2d2" class="wp-block-image size-large wp-lightbox-container"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="443" data-wp-class--hide="state.isContentHidden" data-wp-class--show="state.isContentVisible" data-wp-init="callbacks.setButtonStyles" data-wp-on--click="actions.showLightbox" data-wp-on--load="callbacks.setButtonStyles" data-wp-on--pointerdown="actions.preloadImage" data-wp-on--pointerenter="actions.preloadImageWithDelay" data-wp-on--pointerleave="actions.cancelPreload" data-wp-on-window--resize="callbacks.setButtonStyles" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=768%2C443&#038;ssl=1" alt="Skatteoversigt" class="wp-image-53282" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=1249%2C720&amp;ssl=1 1249w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=500%2C288&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=444%2C256&amp;ssl=1 444w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=768%2C443&amp;ssl=1 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=1536%2C886&amp;ssl=1 1536w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?w=1710&amp;ssl=1 1710w" sizes="auto, (max-width: 768px) 100vw, 768px"><button class="lightbox-trigger" type="button" aria-haspopup="dialog" data-wp-bind--aria-label="state.thisImage.triggerButtonAriaLabel" data-wp-init="callbacks.initTriggerButton" data-wp-on--click="actions.showLightbox" data-wp-style--right="state.thisImage.buttonRight" data-wp-style--top="state.thisImage.buttonTop">
1658			<svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" fill="none" viewbox="0 0 12 12">
1659				<path fill="#fff" d="M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z"></path>
1660			</svg>
1661		</button></figure>
1662
1663
1664
1665<p class="wp-block-paragraph">Følgende gælder for frie midler. Med en pensionsopsparing er der ikke forskel i beskatning, med hensyn til, hvilke aktiver du investerer i. Skat på pensioner er derfor ret simpelt. Det samme gælder din aktiesparekonto.</p>
1666
1667
1668
1669<h3 class="wp-block-heading"><span id="Aktier_og_aktiebaserede_investeringsforeninger"><strong>Aktier og aktiebaserede investerings</strong>foreninger</span></h3>
1670
1671
1672
1673<p class="wp-block-paragraph">Beskatning af afkast og udbytte:</p>
1674
1675
1676
1677<ul class="wp-block-list">
1678<li>&lt; 79.400 kr. årligt beskattes med 27%&nbsp;</li>
1679
1680
1681
1682<li>&gt; 79.400 kr. årligt beskattes med 42%&nbsp;</li>
1683
1684
1685
1686<li>Dobbelte grænseværdier for ægtefæller&nbsp;</li>
1687</ul>
1688
1689
1690
1691<p class="wp-block-paragraph">Tallene er for 2026.</p>
1692
1693
1694
1695<p class="wp-block-paragraph"><a href="https://skat.dk/hjaelp/satser" target="_blank" rel="noreferrer noopener">Satserne</a> ændrer sig år for år. </p>
1696
1697
1698
1699<h3 class="wp-block-heading"><span id="Obligationer_og_obligationsbaserede_investeringsforeninger"><strong>Obligationer og obligationsbaserede investeringsforeninger</strong></span></h3>
1700
1701
1702
1703<ul class="wp-block-list">
1704<li>Kapitalindkomstbeskattede&nbsp;</li>
1705
1706
1707
1708<li>Positiv nettokapitalindkomst beskattes i intervallet 37-42%&nbsp;</li>
1709
1710
1711
1712<li>Positiv nettokapitalindkomst kan fratrækkes negativ kapitalindkomst (eksempelvis renter på et lån)</li>
1713</ul>
1714
1715
1716
1717<p class="wp-block-paragraph"><em>Husk: At når der er tale om skat, er der tale om individuelle forhold og derfor bør du, så vidt muligt, forstå dine egne skatteforhold i forhold til investering.</em></p>
1718
1719
1720
1721<p class="wp-block-paragraph">Jeg har kun inkluderet skat i forhold til det at købe to typer af investeringsforeninger, en dansk udbyttebetalende investeringsforening med aktier (enkeltaktier beskattes på samme måde) og en dansk investeringsforening med obligationer.</p>
1722
1723
1724
1725<p class="wp-block-paragraph"><strong>Det er de to typer af fonde, du skal bruge, hvis du vil åbne et aktiedepot og investere på den simplest mulige måde, der kan passe til enhver risikoprofil.</strong></p>
1726
1727
1728
1729<p class="wp-block-paragraph">Vælger du andre typer af fonde eller andre typer af depoter, vil skatten være anderledes.</p>
1730
1731
1732
1733<p class="wp-block-paragraph">Investerer du på en aktiesparekonto er der tale om lagerbeskatning og en sats på 17% uanset, hvad du investerer i.</p>
1734
1735
1736
1737<div class="wp-block-group is-layout-constrained wp-container-core-group-is-layout-d2989002 wp-block-group-is-layout-constrained" style="border-width:1px;border-radius:10px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--20)"><div class="wp-block-group__inner-container">
1738<h3 class="wp-block-heading has-text-align-center">
1738<span id="Gratis_investeringsplan6">Gratis investeringsplan</span></h3>
1739
1740
1741
1742<p class="has-text-align-center has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1743
1744
1745
1746<figure class="wp-block-image size-full"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel=" noreferrer noopener"><img data-recalc-dims="1" loading="lazy" decoding="async" width="768" height="393" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&#038;ssl=1" alt="Norm Invest er den nemmeste måde at investere på. Du starter med en gratis investeringsplan, der sikrer, at din investering passer til dig." class="wp-image-51138" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?w=1280&amp;ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&amp;ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&amp;ssl=1 768w" sizes="auto, (max-width: 768px) 100vw, 768px"></a></figure>
1747
1748
1749
1750<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>
1751
1752
1753
1754<p class="has-text-align-center wp-block-paragraph">Gør som +100.000 andre og <strong>få styr på din risikoprofil med en gratis investeringsplan</strong> fra <a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener">Norm Invest</a>.</p>
1755
1756
1757
1758<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex">
1759<div class="wp-block-button"><a class="wp-block-button__link has-ast-global-color-1-background-color has-background wp-element-button" href="https://www.frinans.dk/link/norminvest" style="border-radius:10px"><strong>Gratis investeringsplan på 5 min.</strong></a></div>
1760</div>
1761</div></div>
1762
1763
1764
1765<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1766
1767
1768
1769<h2 class="wp-block-heading"><span id="Mine_investeringer"><strong>Mine investeringer</strong></span></h2>
1770
1771
1772
1773<p class="wp-block-paragraph"><strong>En <a href="https://www.frinans.dk/passive-fonde/">passiv fond</a> indeholder mange aktier og følger et givent indeks, eksempelvis verdensindekset.</strong></p>
1774
1775
1776
1777<p class="wp-block-paragraph">Der findes mange forskellige slags og der kan både være tale om danske investeringsforeninger eller udenlandske ETFer. </p>
1778
1779
1780
1781<p class="wp-block-paragraph">Herunder kan du se, hvad jeg har valgt at investere i på mine forskellige investeringsdepoter.</p>
1782
1783
1784
1785<h3 class="wp-block-heading"><span id="Mit_aktiedepot">Mit aktiedepot </span></h3>
1786
1787
1788
1789<p class="wp-block-paragraph"><a href="https://www.frinans.dk/aktiedepot/">Mit aktiedepot</a> består af tre forskellige aktivklasser:</p>
1790
1791
1792
1793<ul class="wp-block-list">
1794<li>Aktier</li>
1795
1796
1797
1798<li>Obligationer</li>
1799
1800
1801
1802<li>Bitcoin</li>
1803</ul>
1804
1805
1806
1807<p class="wp-block-paragraph">På mit aktiedepot bruger jeg <strong>én passiv fond til aktier</strong>, der følger <a href="https://www.frinans.dk/verdensindekset/">verdensindekset</a> MSCI ACWI IMI og <strong>én fond til korte obligationer</strong>. Det er nemlig nok til at sammensætte en simpel portefølje. </p>
1808
1809
1810
1811<ul class="wp-block-list">
1812<li><a href="https://www.frinans.dk/sparindex-globale-aktier/">Sparindex Globale Aktier</a></li>
1813
1814
1815
1816<li><a href="https://www.frinans.dk/fairrente/" type="post" id="49367">FairRENTE</a></li>
1817</ul>
1818
1819
1820
1821<p class="wp-block-paragraph">Jeg valgte <a href="https://www.frinans.dk/sparindex-globale-aktier/">Sparindex Globale Aktier</a> i sin tid, da det var den bredest mulige fond og omkostninger var i tråd med konkurrenterne på daværende tidspunkt. </p>
1822
1823
1824
1825<p class="wp-block-paragraph">Skulle jeg starte i dag, ville jeg vælge Sparindex MSCI ACWI, da omkostningerne er væsentligt lavere, også selv spredningen er lidt mindre. </p>
1826
1827
1828
1829<p class="wp-block-paragraph">Det giver ikke mening for mig at sælge og lægge om, da det vil koste mig mange penge i skat. Jeg vil gerne holde tingene så simple som muligt, så jeg er usikker på, om jeg kunne finde på at tilføje en ny fond til porteføljen fremover. </p>
1830
1831
1832
1833<p class="wp-block-paragraph">Da FairRENTE indeholder meget korte obligationer, er det en investering med meget lav risiko, hvilket betyder, at den også udgør min opsparing i stedet for en konto i banken.</p>
1834
1835
1836
1837<p class="wp-block-paragraph">Folkene bag fonden brander den som Danmarks kedeligste investeringsforening. Perfekt til den del af porteføljen. </p>
1838
1839
1840
1841<p class="wp-block-paragraph">Dertil har jeg tilføjet <a href="https://www.frinans.dk/microstrategy/">Strategy</a> som en indirekte investering i Bitcoin. For øjeblikket har jeg også en <a href="https://www.frinans.dk/bitcoin-etp/" type="post" id="54746">Bitcoin ETP</a>, da jeg ønsker at finde ud af, om det er en måde, jeg ønsker at investere i Bitcoin.</p>
1842
1843
1844
1845<p class="wp-block-paragraph">Sparindex følger godt nok ikke MSCI ACWI IMI længere, men gør brug af et indeks fra en anden udbyder, der dog er meget tæt på.</p>
1846
1847
1848
1849<p class="wp-block-paragraph">Selvom jeg kun investerer i én fond, når det gælder aktier, er jeg medejer af tusindevis af forskellige vir
1849ksomheder og sikrer dermed en god spredning på mine investeringer.</p>
1850
1851
1852
1853<p class="wp-block-paragraph">Sammensætningen på depotet afspejler min risikoprofil, som er i den absolut høje ende. Jeg ligger i nærheden af  80% aktier, 10% obligationer og 10% Bitcoin. </p>
1854
1855
1856
1857<h3 class="wp-block-heading"><span id="Min_aktiesparekonto">Min aktiesparekonto</span></h3>
1858
1859
1860
1861<p class="wp-block-paragraph">PÃ¥ <a href="https://www.frinans.dk/aktiesparekonto/">min aktiesparekonto</a> har jeg to forskellige aktivklasser:</p>
1862
1863
1864
1865<ul class="wp-block-list">
1866<li>Aktier</li>
1867
1868
1869
1870<li>Bitcoin</li>
1871</ul>
1872
1873
1874
1875<p class="wp-block-paragraph">Det er ikke muligt at investere i obligationer her.</p>
1876
1877
1878
1879<p class="wp-block-paragraph">Igen bruger jeg <strong>én passiv fond til aktier</strong>, som denne gang er en ETF, fordi omkostningerne er lavere. </p>
1880
1881
1882
1883<ul class="wp-block-list">
1884<li><a href="https://www.frinans.dk/ishares-acwi/">iShares ACWI</a></li>
1885</ul>
1886
1887
1888
1889<p class="wp-block-paragraph">Jeg overvejer dog, om jeg skal skifte til WEBN, der er billigere, eller SPYI, der dækker bredere. Det er jeg ikke afklaret omkring endnu. </p>
1890
1891
1892
1893<p class="wp-block-paragraph">Jeg bruger ikke ETFer på mit aktiedepot, da det ville betyde <a href="https://www.frinans.dk/lagerbeskatning-vs-realisationsbeskatning/">lagerbeskatning</a>, hvilket jeg ikke er interesseret i.</p>
1894
1895
1896
1897<p class="wp-block-paragraph">Hvis muligt ønsker jeg <a href="https://www.frinans.dk/lagerbeskatning-vs-realisationsbeskatning/">realisationsbeskatning</a>.</p>
1898
1899
1900
1901<p class="wp-block-paragraph">Jeg kan ikke undgå lagerbeskatning på min aktiesparekonto og derfor betyder de lavere omkostninger, at ETFer er at foretrække her.</p>
1902
1903
1904
1905<p class="wp-block-paragraph">Jeg investerer ligeledes i Strategy på min aktiesparekonto.</p>
1906
1907
1908
1909<h3 class="wp-block-heading"><span id="Mine_pensioner">Mine pensioner</span></h3>
1910
1911
1912
1913<p class="wp-block-paragraph">Jeg har en række forskellige pensioner, hvor jeg ligeledes investerer i to aktivklasser:</p>
1914
1915
1916
1917<ul class="wp-block-list">
1918<li>Aktier</li>
1919
1920
1921
1922<li>Bitcoin</li>
1923</ul>
1924
1925
1926
1927<p class="wp-block-paragraph">Størstedelen af min pension er resterne af en arbejdsmarkedspension, der er behæftet med en række klausuler, da jeg har været statsansat på to danske universiteter. Det betyder, at jeg ikke kan flytte den, hvorhen jeg vil. Den står derfor hos Velliv, hvor jeg er investeret i en billig indeksfond med aktier. </p>
1928
1929
1930
1931<p class="wp-block-paragraph">Resten breder sig over en livrente, en ratepension og en aldersopsparing. Her investerer jeg ligeledes i en billig ETF for aktier:</p>
1932
1933
1934
1935<ul class="wp-block-list">
1936<li><a href="https://www.frinans.dk/ishares-acwi/">iShares ACWI</a></li>
1937</ul>
1938
1939
1940
1941<p class="wp-block-paragraph">Dertil Strategy og 4 forskellige Bitcoin ETPer, da der er særlige regler for den slags på pensionsdepoter. Maksimalt 5% i ét af den type værdipapirer og maksimalt 20% samlet, på købstidspunktet.</p>
1942
1943
1944
1945<p class="wp-block-paragraph">Jeg overvejer, om jeg skal skifte ETFen med aktier ud med den nye Vanguard FTSE Global All-Cap, som dels er billig med omkostninger på 0,07 og dels er så bred som muligt, da den følger et indeks, der minder MSCI ACWI IMI. </p>
1946
1947
1948
1949<p class="wp-block-paragraph">Det var dét. </p>
1950
1951
1952
1953<p class="wp-block-paragraph">SpørgsmÃ¥l stiller du bare i kommentarerne. Ønsker du ikke, at det er offentligt tilgængeligt for andre, kan du <a href="mailto:[email protected]">sende mig en mail</a>. </p>
1954
1955
1956
1957<p class="wp-block-paragraph">Har du brug for en gennemgang på <a href="https://buymeacoffee.com/frinans/e/555110">video</a>, så du ikke skal sidde og læse det hele selv? </p>
1958
1959
1960
1961<figure class="wp-block-image aligncenter size-full"><a href="https://buymeacoffee.com/frinans/e/555110"><img data-recalc-dims="1" decoding="async" width="313" height="346" src="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=313%2C346&#038;ssl=1" alt="" class="wp-image-56914" srcset="https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?w=313&amp;ssl=1 313w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=232%2C256&amp;ssl=1 232w" sizes="(max-width: 313px) 100vw, 313px"></a></figure>
1962
1963
1964
1965<div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div>
1966
1967
1968
1969<p class="has-small-font-size wp-block-paragraph"><em>Reklame</em></p>
1970
1971
1972
1973<p class="wp-block-paragraph">Få hjælp til en <a href="https://buymeacoffee.com/frinans/e/555110" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">simpel investering for begyndere</mark></a> 👈 Jeg guider dig fra start til slut, så du bliver klædt godt på til gør-det-selv investering.</p>
1974
1975
1976
1977<p class="wp-block-paragraph"><a href="https://www.frinans.dk/link/norminvest" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">Norm Invest</mark></a> – Få en gratis investeringsplan<br><a href="https://www.frinans.dk/link/firi" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">Firi</mark></a> – Nordens største kryptobørs (50 kr. i bonus)<br><a href="https://www.frinans.dk/links/nordnet"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">Nordnet</mark></a> – Danmarks bedste månedsopsparing<br><a href="https://www.frinans.dk/links/findforsikring" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">FindForsikring</mark></a> – Spar penge på din forsikring<br><a href="https://www.frinans.dk/links/findelpriser" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">FindElpriser</mark></a> – Spar penge på din elregning<br><a href="https://www.frinans.dk/links/findbank" target="_blank" rel="noreferrer noopener"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-ast-global-color-1-color">FindBank</mark></a> – Spar penge på din bank</p>
1978
1979
1980
1981<p class="wp-block-paragraph"><em><em>Få en mail når jeg udgiver nyt 👇</em></em></p>
1982
1983
1984	<div style="margin-right:0;margin-left:0;margin-top:0;margin-bottom:0" class="wp-block-jetpack-subscriptions__supports-newline is-style-split wp-block-jetpack-subscriptions">
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1990								Din mail…							</label>
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2001								Subscribe							</button>
2002						</p>
2003					</div>
2004				</form>
2005								</div>
2006	</div>
2007	
2008
2009
2010<p class="wp-block-paragraph"><em>Og husk, at historisk afkast ikke er en garanti for fremtidigt afkast. Finansielle instrumenter kan både stige og falde i værdi. Der er en risiko for, at du ikke får de investerede penge tilbage. Indholdet er ikke en investeringsanbefaling.</em></p>
2011
2012
2013
2014<p class="wp-block-paragraph"><em>Dine penge er dit ansvar!</em></p>
2015
2016	
2017	
2018</div><!-- .entry-content .clear -->
2019
2020	
2021	
2022</article><!-- #post-## -->
2023
2024		<div id="comments" class="comments-area comment-form-position-below ">
2025	
2026	
2027	<div class="comments-count-wrapper">			<h3 class="comments-title">
2028				48 kommentarer til &ldquo;Simpel investering for begyndere&rdquo;			</h3>
2029		</div>
2030		<ol class="ast-comment-list">
2031							<li class="comment even thread-even depth-1" id="li-comment-9535">
2032
2033					<article id="comment-9535" class="ast-comment">
2034					<div class= 'ast-comment-info'>
2035						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/9dc4b68d1298f8d6347f7e0e916c836de4c3f6e88d978acb1838f959170fa6ed?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/9dc4b68d1298f8d6347f7e0e916c836de4c3f6e88d978acb1838f959170fa6ed?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2036						-->
2037								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anitsirk</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9535"><time datetime="2020-09-15T23:53:53+02:00">15/09/2020 kl. 23:53</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2038							</div>
2039							<section class="ast-comment-content comment ">
2040								<p>Hej Sune<br />
2041Er lige faldet over din blog, og den er helt fantastisk. Tak for det! Spørgsmål:<br />
2042Nu skriver du jo tydeligt “ Lad være med at prøve at time markedet, men gør brug af Dollar Cost Averaging og renters rente.”<br />
2043Jeg har endnu ikke investeret i noget, men vil gerne i gang med Nordnets månedsopsparing. Jeg har allerede har en sjat penge sat af til det (50-100.000 kr på en bankkonto). Hvad ville du anbefale &#8211; 1) at sætte f.eks. 30.000 eller 50.000 ind fra start og så overføre et par tusinde om måneden eller 2) ville du starte med DCA lige fra start, og altså overføre mindre beløb fra start?<br />
2044Tak på forhånd 🙂</p>
2045								<div class="ast-comment-edit-reply-wrap">
2046									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9535" data-commentid="9535" data-postid="10442" data-belowelement="comment-9535" data-respondelement="respond" data-replyto="Besvar Anitsirk" aria-label="Besvar Anitsirk">Svar</a></span>								</div>
2047															</section> <!-- .ast-comment-content -->
2048							</div>					</article><!-- #comment-## -->
2049
2050				<ol class="children">
2051				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-9536">
2052
2053					<article id="comment-9536" class="ast-comment">
2054					<div class= 'ast-comment-info'>
2055						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2056						-->
2057								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9536"><time datetime="2020-09-16T08:09:04+02:00">16/09/2020 kl. 08:09</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2058							</div>
2059							<section class="ast-comment-content comment ">
2060								<p>Hej Anitsirk,</p>
2061<p>Tak for de pæne ord 🙂 </p>
2062<p>Da jeg ikke er investeringsrådgiver, må jeg ikke give individuelle anbefalinger, som er det du efterspørger. </p>
2063<p>Har du læst indlægget specifikt om DCA? <a href="https://www.frinans.dk/dollar-cost-average/" target="_blank" rel="noopener noreferrer ugc">https://www.frinans.dk/dollar-cost-average/</a></p>
2064<p>/Sune</p>
2065								<div class="ast-comment-edit-reply-wrap">
2066									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9536" data-commentid="9536" data-postid="10442" data-belowelement="comment-9536" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
2067															</section> <!-- .ast-comment-content -->
2068							</div>					</article><!-- #comment-## -->
2069
2070				<ol class="children">
2071				<li class="comment even depth-3" id="li-comment-9956">
2072
2073					<article id="comment-9956" class="ast-comment">
2074					<div class= 'ast-comment-info'>
2075						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/678982f132a0ccaa1cea4d212849b96ab95e7f6f4b35ff38046ae94eaa6bca9a?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/678982f132a0ccaa1cea4d212849b96ab95e7f6f4b35ff38046ae94eaa6bca9a?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2076						-->
2077								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Eskild Laursen</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9956"><time datetime="2021-08-06T17:52:58+02:00">06/08/2021 kl. 17:52</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2078							</div>
2079							<section class="ast-comment-content comment ">
2080								<p>Hej Sune,</p>
2081<p>Hvis man har en strategi, hvor man primært investere i sparindex globale aktier, er der så en risiko for at man har svært ved at sælge dem om 20/30 år eller de mister værdi på grund af populariteten i investeringsfonde falder? </p>
2082<p>Ved godt det er lidt et hypotetisk spørgsmål, men håber du vil komme med en kommentar på det..</p>
2083<p>Mvh Eskild</p>
2084								<div class="ast-comment-edit-reply-wrap">
2085									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9956" data-commentid="9956" data-postid="10442" data-belowelement="comment-9956" data-respondelement="respond" data-replyto="Besvar Eskild Laursen" aria-label="Besvar Eskild Laursen">Svar</a></span>								</div>
2086															</section> <!-- .ast-comment-content -->
2087							</div>					</article><!-- #comment-## -->
2088
2089				<ol class="children">
2090				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-4" id="li-comment-9959">
2091
2092					<article id="comment-9959" class="ast-comment">
2093					<div class= 'ast-comment-info'>
2094						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2095						-->
2096								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9959"><time datetime="2021-08-06T19:01:14+02:00">06/08/2021 kl. 19:01</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2097							</div>
2098							<section class="ast-comment-content comment ">
2099								<p>Hej Eskil,</p>
2100<p>Det bliver et ret hypotetisk svar også, fordi ingen jo reelt ved, hvordan verden ser ud om 20-30 år. Men nej, det burde ikke være svært at sælge, da danske fonde alle samarbejder med en market maker, der altid sørger for, at der er købs- og salgsordrer i markedet.</p>
2101<p>Deres popularitet vil ikke få kursen til at røre sig nævneværdigt, da de skal handle i nærheden af indre værdi, altså hvad de reelt er værd baseret på de underliggende aktiers værdi. Så det er heller ikke et problem.</p>
2102<p>/Sune</p>
2103								<div class="ast-comment-edit-reply-wrap">
2104									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9959" data-commentid="9959" data-postid="10442" data-belowelement="comment-9959" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
2105															</section> <!-- .ast-comment-content -->
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2107
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2114
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2117						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/165a2b1361ca9fcf5d1359a5d1ed0b82712a12774782b1f4fa4c6649e73cace5?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/165a2b1361ca9fcf5d1359a5d1ed0b82712a12774782b1f4fa4c6649e73cace5?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2119								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Joakim Holm</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9796"><time datetime="2021-04-09T10:08:38+02:00">09/04/2021 kl. 10:08</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2120							</div>
2121							<section class="ast-comment-content comment ">
2122								<p>Hej Sune<br />
2123Har du tidligere skrevet en blog om investering af børneopsparing og investering af frie midler udover til børn? Jeg har en børneopsparing til min datter i banken, som jeg investerer i div. indeks. Derudover har jeg en månedsopsparing til hende på Nordnet, hvor jeg investerer i ETF’er. Jeg har haft svært ved at finde sparring på området. Hvad er dine tanker om opsparing og investering til sine børn?</p>
2124								<div class="ast-comment-edit-reply-wrap">
2125									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9796" data-commentid="9796" data-postid="10442" data-belowelement="comment-9796" data-respondelement="respond" data-replyto="Besvar Joakim Holm" aria-label="Besvar Joakim Holm">Svar</a></span>								</div>
2126															</section> <!-- .ast-comment-content -->
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2128
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2131
2132					<article id="comment-9797" class="ast-comment">
2133					<div class= 'ast-comment-info'>
2134						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2136								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9797"><time datetime="2021-04-09T10:34:30+02:00">09/04/2021 kl. 10:34</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2137							</div>
2138							<section class="ast-comment-content comment ">
2139								<p>hej Joakim,</p>
2140<p>Nej det har jeg ikke, da det ikke har været relevant for mig endnu. Jeg har ganske enkelt ikke sat mig ind i det. </p>
2141<p>Men der er løbende gode tråde om det i FIREdanmark. <a href="https://www.facebook.com/groups/1145367158930357/learning_content/?filter=2722830471321800&amp;post=4261020920576137" target="_blank" rel="noopener nofollow ugc">Jeg har sat den bedste af trådene under guides derinde.</a></p>
2142<p>/Sune</p>
2143								<div class="ast-comment-edit-reply-wrap">
2144									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9797" data-commentid="9797" data-postid="10442" data-belowelement="comment-9797" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
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2147
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2150
2151					<article id="comment-10114" class="ast-comment">
2152					<div class= 'ast-comment-info'>
2153						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/54f528e9598fa86ac282ad581acabd30817a380eca0b8796b213910c98629b38?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/54f528e9598fa86ac282ad581acabd30817a380eca0b8796b213910c98629b38?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2155								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.harikkeenside.dk" class="url" rel="ugc external nofollow">Natasha E</a></b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10114"><time datetime="2021-12-16T22:41:56+01:00">16/12/2021 kl. 22:41</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2156							</div>
2157							<section class="ast-comment-content comment ">
2158								<p>Hej joakim,<br />
2159Der er lige blevet udgivet en bog om det du eftersøger.</p>
2160<p><a href="https://moneypennydanmark.bigcartel.com/" rel="nofollow ugc">https://moneypennydanmark.bigcartel.com/</a></p>
2161<p>Den er meget grundig og har alle aspekter med.</p>
2162<p>Mvh Natasha</p>
2163								<div class="ast-comment-edit-reply-wrap">
2164									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10114" data-commentid="10114" data-postid="10442" data-belowelement="comment-10114" data-respondelement="respond" data-replyto="Besvar Natasha E" aria-label="Besvar Natasha E">Svar</a></span>								</div>
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2167
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2174
2175					<article id="comment-9564" class="ast-comment">
2176					<div class= 'ast-comment-info'>
2177						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2179								<div class="ast-com
2179ment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Niels</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9564"><time datetime="2020-10-07T20:03:59+02:00">07/10/2020 kl. 20:03</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2180							</div>
2181							<section class="ast-comment-content comment ">
2182								<p>Hej Sune,</p>
2183<p>Hvornår bliver man egentlig økonomisk uafhængig hvis man skal tage hensyn til skat af en aktier? Ens udbytte fra aktierne skal jo dække ens omkostninger, man der skal en større opsparing til for at opnå FIRE, hvis skat taget i betragtning?</p>
2184<p>Mvh Niels</p>
2185								<div class="ast-comment-edit-reply-wrap">
2186									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9564" data-commentid="9564" data-postid="10442" data-belowelement="comment-9564" data-respondelement="respond" data-replyto="Besvar Niels" aria-label="Besvar Niels">Svar</a></span>								</div>
2187															</section> <!-- .ast-comment-content -->
2188							</div>					</article><!-- #comment-## -->
2189
2190				<ol class="children">
2191				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-9565">
2192
2193					<article id="comment-9565" class="ast-comment">
2194					<div class= 'ast-comment-info'>
2195						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2197								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9565"><time datetime="2020-10-07T21:23:01+02:00">07/10/2020 kl. 21:23</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2198							</div>
2199							<section class="ast-comment-content comment ">
2200								<p>Hej Niels,</p>
2201<p>&#8220;Hvornår bliver man egentlig økonomisk uafhængig hvis man skal tage hensyn til skat af en aktier?&#8221;</p>
2202<p>Det er et ekstremt svært spørgsmål at svare på, da skat er en uforanderlig størrelse og baseres på alle mulige forskellige input. Alene det, at der er forskellige satser alt afhængigt af størrelsen på beløbene og sammenhæng med anden indkomst gør det umuligt for mig at svare dig i forhold til din situation.</p>
2203<p>En vigtig pointe er dog, at det ikke nødvendigvis bare er fra udbytte, at indtægten skal komme. Det kan også være fra salg.</p>
2204<p>/Sune</p>
2205								<div class="ast-comment-edit-reply-wrap">
2206									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9565" data-commentid="9565" data-postid="10442" data-belowelement="comment-9565" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
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2209
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2214
2215					<article id="comment-9568" class="ast-comment">
2216					<div class= 'ast-comment-info'>
2217						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/8ece7c4f68dbb3c344cad1d99d4a009c65c65fac5d374c81e6dbcaf1531d3f5e?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/8ece7c4f68dbb3c344cad1d99d4a009c65c65fac5d374c81e6dbcaf1531d3f5e?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2219								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Mikkel</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9568"><time datetime="2020-10-12T11:56:21+02:00">12/10/2020 kl. 11:56</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2220							</div>
2221							<section class="ast-comment-content comment ">
2222								<p>Hej Sune</p>
2223<p>Jeg har globale aktier min riskiko og emerning markets på nordnets månedsopsparing.<br />
2224Hvad gør hvis jeg, hvis jeg gerne kun vil have globale aktier &#8211; skal jeg så sælge hvad jeg har i de to fonde og købe globale aktier &#8211; eller kan aktierne flyttes over i globale aktier?</p>
2225<p>mvh<br />
2226Mikkel</p>
2227								<div class="ast-comment-edit-reply-wrap">
2228									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9568" data-commentid="9568" data-postid="10442" data-belowelement="comment-9568" data-respondelement="respond" data-replyto="Besvar Mikkel" aria-label="Besvar Mikkel">Svar</a></span>								</div>
2229															</section> <!-- .ast-comment-content -->
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2231
2232				<ol class="children">
2233				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-9569">
2234
2235					<article id="comment-9569" class="ast-comment">
2236					<div class= 'ast-comment-info'>
2237						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2239								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9569"><time datetime="2020-10-12T11:59:55+02:00">12/10/2020 kl. 11:59</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2240							</div>
2241							<section class="ast-comment-content comment ">
2242								<p>Hej Mikkel,</p>
2243<p>Du kan ikke flytte noget på den måde. Hvis du gerne vil skifte, så må du sælge det du har og købe det du ønsker i stedet.</p>
2244<p>/Sune</p>
2245								<div class="ast-comment-edit-reply-wrap">
2246									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9569" data-commentid="9569" data-postid="10442" data-belowelement="comment-9569" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
2247															</section> <!-- .ast-comment-content -->
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2249
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2254
2255					<article id="comment-9855" class="ast-comment">
2256					<div class= 'ast-comment-info'>
2257						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f14679fc3589ed5a0187415525ae7d8299f95564adca689646dd1245abbc25ac?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f14679fc3589ed5a0187415525ae7d8299f95564adca689646dd1245abbc25ac?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2259								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Frederik Rostrup</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9855"><time datetime="2021-05-21T15:49:39+02:00">21/05/2021 kl. 15:49</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2260							</div>
2261							<section class="ast-comment-content comment ">
2262								<p>Hej Sune</p>
2263<p>De globale aktier du anbefaler har en ÅOP på 0,55% og et afkast sidste år på 31%. (SPVIGAGKL)<br />
2264Mens de aktier  der følger OMX 25  har ÅOP på 0,33% og afkast sidste år på 42%. (SPIC25KL)</p>
2265<p>Er der en grund til at du ikke anbefaler SPIC25KL?</p>
2266<p>Tak for en spændende blog, </p>
2267<p>Frederik</p>
2268								<div class="ast-comment-edit-reply-wrap">
2269									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9855" data-commentid="9855" data-postid="10442" data-belowelement="comment-9855" data-respondelement="respond" data-replyto="Besvar Frederik Rostrup" aria-label="Besvar Frederik Rostrup">Svar</a></span>								</div>
2270															</section> <!-- .ast-comment-content -->
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2272
2273				<ol class="children">
2274				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-9856">
2275
2276					<article id="comment-9856" class="ast-comment">
2277					<div class= 'ast-comment-info'>
2278						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2280								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9856"><time datetime="2021-05-21T16:07:21+02:00">21/05/2021 kl. 16:07</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2281							</div>
2282							<section class="ast-comment-content comment ">
2283								<p>Hej Frederik,</p>
2284<p>Ja 🙂</p>
2285<p>Afkast på den korte bane er ligegyldigt. Det kan ikke bruges til noget som helst i forhold til at vælge investeringer for fremtiden. </p>
2286<p>I virkeligheden skal man starte et helt andet sted. Hvad er det for en risiko, man ønsker at eksponeres mod? </p>
2287<p>Sparindex Globale Aktier følger det bredest tænkelige index, ACWI, verdensindekset. Alt andet som koncentrerer investeringen mere, hvad end det er geografisk eller i forhold til sektorer, er en afvigelse og en øget risiko, men uden et empirisk grundlag for større afkast. </p>
2288<p>Det eneste jeg ønsker, er markedsafkastet fra ACWI og det får jeg med Sparindex Globale aktier. </p>
2289<p>Tjek <a href="https://www.frinans.dk/verdensindekset/" rel="ugc">https://www.frinans.dk/verdensindekset/</a> </p>
2290<p>/Sune</p>
2291								<div class="ast-comment-edit-reply-wrap">
2292									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9856" data-commentid="9856" data-postid="10442" data-belowelement="comment-9856" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
2293															</section> <!-- .ast-comment-content -->
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2295
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2297				<li class="comment odd alt depth-3" id="li-comment-9955">
2298
2299					<article id="comment-9955" class="ast-comment">
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2301						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2302						-->
2303								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Jesper</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9955"><time datetime="2021-08-06T14:56:51+02:00">06/08/2021 kl. 14:56</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2304							</div>
2305							<section class="ast-comment-content comment ">
2306								<p>Hej Sune. </p>
2307<p>Tak for dit store arbejde med at forsimple tingene for os andre, det ser desværre ud som om Nordnet har fjernet de fonde du anbefaler til månedsopsparing. Så man nu kun kan vælge Nordnets 6 egne indexfonde (med lave gebyrer) eller aktivt forvaltede fonde (med høje gebyrer).</p>
2308<p>Bare så du ikke sender folk i en blindgyde 🙂</p>
2309<p>Kan ihvertfald ikke selv vælge andre fonde.</p>
2310								<div class="ast-comment-edit-reply-wrap">
2311									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9955" data-commentid="9955" data-postid="10442" data-belowelement="comment-9955" data-respondelement="respond" data-replyto="Besvar Jesper" aria-label="Besvar Jesper">Svar</a></span>								</div>
2312															</section> <!-- .ast-comment-content -->
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2314
2315				<ol class="children">
2316				<li class="comment byuser comment-author-supersune bypostauthor even depth-4" id="li-comment-9958">
2317
2318					<article id="comment-9958" class="ast-comment">
2319					<div class= 'ast-comment-info'>
2320						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2322								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">frinans</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9958"><time datetime="2021-08-06T18:59:00+02:00">06/08/2021 kl. 18:59</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2323							</div>
2324							<section class="ast-comment-content comment ">
2325								<p>Hej Jesper,</p>
2326<p>Jeg kan selvfølgelig ikke vide det med sikkerhed, men jeg tror du har valgt den af de 3 muligheder for månedsopsparing, der hedder &#8220;&#8221;Start en månedsopsparing i Nordnets indek
2326sfonde&#8221;. Vælger du &#8220;&#8221;Start en månedsopsparing i ETF&#8217;er og investeringsforeninger&#8221; kan du sagtens vælge Sparindex fonde. </p>
2327<p>/Sune</p>
2328								<div class="ast-comment-edit-reply-wrap">
2329									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9958" data-commentid="9958" data-postid="10442" data-belowelement="comment-9958" data-respondelement="respond" data-replyto="Besvar frinans" aria-label="Besvar frinans">Svar</a></span>								</div>
2330															</section> <!-- .ast-comment-content -->
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2332
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2340				<li class="comment odd alt thread-even depth-1" id="li-comment-9960">
2341
2342					<article id="comment-9960" class="ast-comment">
2343					<div class= 'ast-comment-info'>
2344						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2346								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Jesper</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-9960"><time datetime="2021-08-06T21:31:37+02:00">06/08/2021 kl. 21:31</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2347							</div>
2348							<section class="ast-comment-content comment ">
2349								<p>Du har fuldstændig ret, jeg takker mange gange!</p>
2350								<div class="ast-comment-edit-reply-wrap">
2351									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-9960" data-commentid="9960" data-postid="10442" data-belowelement="comment-9960" data-respondelement="respond" data-replyto="Besvar Jesper" aria-label="Besvar Jesper">Svar</a></span>								</div>
2352															</section> <!-- .ast-comment-content -->
2353							</div>					</article><!-- #comment-## -->
2354
2355				</li><!-- #comment-## -->
2356				<li class="comment even thread-odd thread-alt depth-1" id="li-comment-10248">
2357
2358					<article id="comment-10248" class="ast-comment">
2359					<div class= 'ast-comment-info'>
2360						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/17b6f36aac37f23f0c7fba27ecf2dc1cb64c9254c7492186020b26f33c9789e5?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/17b6f36aac37f23f0c7fba27ecf2dc1cb64c9254c7492186020b26f33c9789e5?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2362								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Sofie</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10248"><time datetime="2022-02-24T16:36:30+01:00">24/02/2022 kl. 16:36</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2363							</div>
2364							<section class="ast-comment-content comment ">
2365								<p>Jeg har netop startet en månedsopsparing og sat den til 100% Sparindex Globale Aktier KL, hvor den til at starte med bare køber for 500 kroner om hver måned. Ville du anbefale, at jeg allerede nu overvejer, hvornår jeg vil sælge dem igen? Jeg har en meget lang tidshorisont &#8211; og dermed ikke noget imod høj risiko &#8211; så kan jeg i princippet bare holde fast i Sparindex Globale Aktier i mange år fremadrettet?</p>
2366								<div class="ast-comment-edit-reply-wrap">
2367									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10248" data-commentid="10248" data-postid="10442" data-belowelement="comment-10248" data-respondelement="respond" data-replyto="Besvar Sofie" aria-label="Besvar Sofie">Svar</a></span>								</div>
2368															</section> <!-- .ast-comment-content -->
2369							</div>					</article><!-- #comment-## -->
2370
2371				<ol class="children">
2372				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-10249">
2373
2374					<article id="comment-10249" class="ast-comment">
2375					<div class= 'ast-comment-info'>
2376						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2378								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10249"><time datetime="2022-02-24T19:52:05+01:00">24/02/2022 kl. 19:52</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2379							</div>
2380							<section class="ast-comment-content comment ">
2381								<p>Hej Sofie,</p>
2382<p>Jeg kan ikke give dig en direkte anbefaling her, da det vil være investeringsrådgivning og det må jeg ikke lave. </p>
2383<p>Det jeg kan sige er, at de ord og tanker du sætter på din forståelse for det at have en høj risiko giver rigtig god mening og at jeg tror, du har ret godt fat i, hvad det handler om. </p>
2384<p>Ingen specifikt definerbar tidshorisont en gang langt ude i fremtiden klinger meget godt med højt risiko.</p>
2385<p>/Sune</p>
2386								<div class="ast-comment-edit-reply-wrap">
2387									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10249" data-commentid="10249" data-postid="10442" data-belowelement="comment-10249" data-respondelement="respond" data-replyto="Besvar Sune" aria-label="Besvar Sune">Svar</a></span>								</div>
2388															</section> <!-- .ast-comment-content -->
2389							</div>					</article><!-- #comment-## -->
2390
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2394				<li class="comment even thread-even depth-1" id="li-comment-10429">
2395
2396					<article id="comment-10429" class="ast-comment">
2397					<div class= 'ast-comment-info'>
2398						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/dbf6f626b98916a55aecae3d55a8b2be92dd5395f456427e42a09dbd20df5abf?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/dbf6f626b98916a55aecae3d55a8b2be92dd5395f456427e42a09dbd20df5abf?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2400								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Joachim</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10429"><time datetime="2022-08-05T15:23:00+02:00">05/08/2022 kl. 15:23</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2401							</div>
2402							<section class="ast-comment-content comment ">
2403								<p>Hej Sune </p>
2404<p>Har du fyldt din ASK op? Jeg kan forstå at det skulle være en no brainer med de 17% i SKAT, men synes bare det er røv irriterende med lagerbeskatningen</p>
2405								<div class="ast-comment-edit-reply-wrap">
2406									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10429" data-commentid="10429" data-postid="10442" data-belowelement="comment-10429" data-respondelement="respond" data-replyto="Besvar Joachim" aria-label="Besvar Joachim">Svar</a></span>								</div>
2407															</section> <!-- .ast-comment-content -->
2408							</div>					</article><!-- #comment-## -->
2409
2410				<ol class="children">
2411				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-10430">
2412
2413					<article id="comment-10430" class="ast-comment">
2414					<div class= 'ast-comment-info'>
2415						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2417								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10430"><time datetime="2022-08-05T16:31:17+02:00">05/08/2022 kl. 16:31</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2418							</div>
2419							<section class="ast-comment-content comment ">
2420								<p>Hej Joachim,</p>
2421<p>Nej, det har jeg ikke. Jeg gider ikke lagerbeskatning og de ca. 100.000 kr., jeg maksimalt må investere, gør ikke den store forskel for mig. </p>
2422<p>Sådan har jeg i hvert fald tænkt indtil videre.</p>
2423<p>Men det kan godt være, at jeg hopper på vognen på et tidspunkt. </p>
2424<p>/Sune</p>
2425								<div class="ast-comment-edit-reply-wrap">
2426									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10430" data-commentid="10430" data-postid="10442" data-belowelement="comment-10430" data-respondelement="respond" data-replyto="Besvar Sune" aria-label="Besvar Sune">Svar</a></span>								</div>
2427															</section> <!-- .ast-comment-content -->
2428							</div>					</article><!-- #comment-## -->
2429
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2434
2435					<article id="comment-10483" class="ast-comment">
2436					<div class= 'ast-comment-info'>
2437						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/5e3f3842382647e189d3a23090997f33792977736c04400ce690719207adccf8?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/5e3f3842382647e189d3a23090997f33792977736c04400ce690719207adccf8?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2439								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10483"><time datetime="2022-08-21T23:42:58+02:00">21/08/2022 kl. 23:42</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2440							</div>
2441							<section class="ast-comment-content comment ">
2442								<p>Hej Sune<br />
2443Tak for din fine blog og simple måde at forklare tingene på 👍<br />
2444Hvis man investerer via konto i Nordnet bliver skatten af afkastet så automatisk beregnet?<br />
2445Mvh Anne</p>
2446								<div class="ast-comment-edit-reply-wrap">
2447									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10483" data-commentid="10483" data-postid="10442" data-belowelement="comment-10483" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span>								</div>
2448															</section> <!-- .ast-comment-content -->
2449							</div>					</article><!-- #comment-## -->
2450
2451				<ol class="children">
2452				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-10502">
2453
2454					<article id="comment-10502" class="ast-comment">
2455					<div class= 'ast-comment-info'>
2456						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2458								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10502"><time datetime="2022-08-24T11:36:20+02:00">24/08/2022 kl. 11:36</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2459							</div>
2460							<section class="ast-comment-content comment ">
2461								<p>Hej,</p>
2462<p>Ja og nej. Nordnet indberetter, men det afhænger også af produktet du investerer i. Bruger du nogle af de her passive indeksfonde, så bliver det indberettet og udregnet automatisk. Investerer du i små aktier fra First North, så nej. </p>
2463<p>/Sune</p>
2464								<div class="ast-comment-edit-reply-wrap">
2465									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10502" data-commentid="10502" data-postid="10442" data-belowelement="comment-10502" data-respondelement="respond" data-replyto="Besvar Sune" aria-label="Besvar Sune">Svar</a></span>								</div>
2466															</section> <!-- .ast-comment-content -->
2467							</div>					</article><!-- #comment-## -->
2468
2469				</li><!-- #comment-## -->
2470</ol><!-- .children -->
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2472				<li class="comment even thread-even depth-1" id="li-comment-10925">
2473
2474					<article id="comment-10925" class="ast-comment">
2475					<div class= 'ast-comment-info'>
2476						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2478								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Mads</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10925"><time datetime="2023-02-15T14:14:37+01:00">15/02/2023 kl. 14:14</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2479							</div>
2480							<section class="ast-comment-content comment ">
2481								<p>Hej Sune,<br />
2482Tak for informativ blog. </p>
2483<p>Jeg har købt to, hvad jeg troede var stort set ens ETF&#8217;er der burde følge verdensmarkedet:<br />
2484&#8211; Ishares MSCI ACWI UCITS ETC (GB-USD)<br />
2485&#8211; Sparinv Sparindex INDEX Glob Ak Min KL</p>
2486<p>Før jeg køber flere eller nøjes med kun at have den ene, ville jeg høre om du kunne forklare, hvad forskellen er og hvorfor Ishares har klaret sig en del bedre end Sparinv siden årsskiftet. Jeg har kun et lille stort set ens beløb i dem begge, men den ene ligger i +1.000 og den anden lå lige omkring nul inden udbytteudbetaling. Jeg troede egentlig at jeg fik stort set samme eksponering og derfor stort set samme performance?<br />
2487/Mads</p>
2488								<div class="ast-comment-edit-reply-wrap">
2489									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10925" data-commentid="10925" data-postid="10442" data-belowelement="comment-10925" data-respondelement="respond" data-replyto="Besvar Mads" aria-label="Besvar Mads">Svar</a></span>								</div>
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2492
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2495
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2497					<div class= 'ast-comment-info'>
2498						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2499						-->
2500								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10926"><time datetime="2023-02-15T16:53:55+01:00">15/02/2023 kl. 16:53</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2501							</div>
2502							<section class="ast-comment-content comment ">
2503								<p>Hej Mads,</p>
2504<p>Tak fordi du læser med 😊</p>
2505<p>For det første er der ikke tale om to ETF&#8217;er, men en ETF og en dansk børsnoteret fond. Ikke vigtigt for dit spørgsmål, men nu er vi i gang.</p>
2506<p>En anden ting, er du sikker på, at det er Ishares MSCI ACWI UCITS ETC (GB-USD) du har? Jeg har ikke kunnet finde fonden i en udgave, der lader til at købes i pund. Tror du ikke, at det nærmere er den her iShares MSCI ACWI UCITS ETF USD (Acc)?</p>
2507<p>Hvorfor er det vigtigt i forhold til spørgsmålet? Jo fordi valutaer bevæger sig frit i forhold til hinanden og det har en pæn stor bet
2507ydning for afkastet, på et givent tidspunkt. Det er også derfor, at du vil se en forskel på, hvordan indekset bevæger sig og den enkelte fond, der skygger indekset.</p>
2508<p>Og så til kernen i spørgsmålet. De to fonde følger ikke samme indeks.</p>
2509<p>Den fra iShares følger ACWI<br />
2510Den du har valgt fra Sparindex følger kun msci world og så oven i købet en afart af det med fokus på minimum volatility. </p>
2511<p>Er det i virkeligheden Sparindex Globale Aktier, du var ude efter at investere i?</p>
2512<p>/Sune</p>
2513								<div class="ast-comment-edit-reply-wrap">
2514									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10926" data-commentid="10926" data-postid="10442" data-belowelement="comment-10926" data-respondelement="respond" data-replyto="Besvar Sune" aria-label="Besvar Sune">Svar</a></span>								</div>
2515															</section> <!-- .ast-comment-content -->
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2517
2518				<ol class="children">
2519				<li class="comment even depth-3" id="li-comment-10927">
2520
2521					<article id="comment-10927" class="ast-comment">
2522					<div class= 'ast-comment-info'>
2523						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2525								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Mads Werge</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10927"><time datetime="2023-02-17T10:42:37+01:00">17/02/2023 kl. 10:42</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2526							</div>
2527							<section class="ast-comment-content comment ">
2528								<p>Tak for hurtigt og pædagogisk svar, der er så mange ting at lære når man er ny ud i investering. Og du havde helt ret, det var Globale Aktier jeg var ude efter. Jeg har dog smidt langt de fleste i den bæredygtige version af samme; Sparindex Bæredygtige Global KL 60647905, som også fremadrettet vil få min løbende indbetaling.</p>
2529								<div class="ast-comment-edit-reply-wrap">
2530									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10927" data-commentid="10927" data-postid="10442" data-belowelement="comment-10927" data-respondelement="respond" data-replyto="Besvar Mads Werge" aria-label="Besvar Mads Werge">Svar</a></span>								</div>
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2533
2534				<ol class="children">
2535				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-4" id="li-comment-10928">
2536
2537					<article id="comment-10928" class="ast-comment">
2538					<div class= 'ast-comment-info'>
2539						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2541								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-10928"><time datetime="2023-02-17T11:03:39+01:00">17/02/2023 kl. 11:03</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2542							</div>
2543							<section class="ast-comment-content comment ">
2544								<p>Hej Mads,</p>
2545<p>Det lyder som en god strategi 😊</p>
2546<p>/Sune</p>
2547								<div class="ast-comment-edit-reply-wrap">
2548									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-10928" data-commentid="10928" data-postid="10442" data-belowelement="comment-10928" data-respondelement="respond" data-replyto="Besvar Sune" aria-label="Besvar Sune">Svar</a></span>								</div>
2549															</section> <!-- .ast-comment-content -->
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2551
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2560
2561					<article id="comment-11513" class="ast-comment">
2562					<div class= 'ast-comment-info'>
2563						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/93f8ff7c75cfe08ecd43c44ebc23c843225367d1b3576338a6efe64924100f6e?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/93f8ff7c75cfe08ecd43c44ebc23c843225367d1b3576338a6efe64924100f6e?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2565								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Kenneth</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-11513"><time datetime="2023-08-22T19:45:08+02:00">
256522/08/2023 kl. 19:45</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2566							</div>
2567							<section class="ast-comment-content comment ">
2568								<p>Hej Sune,</p>
2569<p>Spørgmål til skatteoptimering.<br />
2570Har du eller kender du nogen, der har regnet ud, om det kan betale sig at udnytte det fulde beløb op til progressionsgrænsen (27%) hvert år, selvom det måske indebærer, at der skal realiseres en smule af porteføljens gevinster årligt? Dette ville medføre, at man senere i livet ikke behøver betale så meget i skat ved den højere sats på 42%.</p>
2571<p>Især hvis man sigter mod tidlig pension, tænker jeg, at det tabte i renters rente vil være mindre markant, og omvendt ville man have flere penge i porteføljen, hvoraf der allerede er betalt skat.</p>
2572<p>Hvad vinder: renters rente eller den lavere årlige skattebetaling?</p>
2573<p>Bedste hilsner fra en trofast følger,<br />
2574Kenneth</p>
2575								<div class="ast-comment-edit-reply-wrap">
2576									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-11513" data-commentid="11513" data-postid="10442" data-belowelement="comment-11513" data-respondelement="respond" data-replyto="Besvar Kenneth" aria-label="Besvar Kenneth">Svar</a></span>								</div>
2577															</section> <!-- .ast-comment-content -->
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2579
2580				<ol class="children">
2581				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-11514">
2582
2583					<article id="comment-11514" class="ast-comment">
2584					<div class= 'ast-comment-info'>
2585						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2587								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-11514"><time datetime="2023-08-22T20:43:04+02:00">22/08/2023 kl. 20:43</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2588							</div>
2589							<section class="ast-comment-content comment ">
2590								<p>Hej Kenneth, </p>
2591<p>Det er et rigtig godt spørgsmål, men jeg kender desværre ikke til sådan en undersøgelse. Så skal det være fordi man udnytter fordelen ved lagerbeskatning til løbende at gøre det. Den undersøgelse er lavet, som jeg henviser til i dette indlæg <a href="https://www.frinans.dk/lagerbeskatning-vs-realisationsbeskatning/" rel="ugc">https://www.frinans.dk/lagerbeskatning-vs-realisationsbeskatning/</a></p>
2592<p>Jeg har svært ved at forestille mig, at det kan betale sig at spekulere i, men jeg ved det som sagt ikke. Renters rente er bare så meget vildere, end man tror på den lange bane. </p>
2593<p>/Sune</p>
2594								<div class="ast-comment-edit-reply-wrap">
2595									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-11514" data-commentid="11514" data-postid="10442" data-belowelement="comment-11514" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2596															</section> <!-- .ast-comment-content -->
2597							</div>					</article><!-- #comment-## -->
2598
2599				</li><!-- #comment-## -->
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2603
2604					<article id="comment-11630" class="ast-comment">
2605					<div class= 'ast-comment-info'>
2606						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2608								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-11630"><time datetime="2023-10-14T11:40:59+02:00">14/10/2023 kl. 11:40</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2609							</div>
2610							<section class="ast-comment-content comment ">
2611								<p>Hej Sune<br />
2612Hvad er din vurdering af Nordnet Global indeks 125?<br />
2613Jeg vil oprette en månedsopsparing</p>
2614								<div class="ast-comment-edit-reply-wrap">
2615									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-11630" data-commentid="11630" data-postid="10442" data-belowelement="comment-11630" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span>								</div>
2616															</section> <!-- .ast-comment-content -->
2617							</div>					</article><!-- #comment-## -->
2618
2619				<ol class="children">
2620				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-11631">
2621
2622					<article id="comment-11631" class="ast-comment">
2623					<div class= 'ast-comment-info'>
2624						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2626								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-11631"><time datetime="2023-10-14T13:02:50+02:00">14/10/2023 kl. 13:02</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2627							</div>
2628							<section class="ast-comment-content comment ">
2629								<p>At det er en dårlig idé. </p>
2630<p>En af grundende er beskatning. Nordnet Global Indeks 125 beskattes som kapitalindkomst og er lagerbeskattet.</p>
2631<p>En anden er, at det er svært at vurdere risikoen.</p>
2632								<div class="ast-comment-edit-reply-wrap">
2633									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-11631" data-commentid="11631" data-postid="10442" data-belowelement="comment-11631" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2634															</section> <!-- .ast-comment-content -->
2635							</div>					</article><!-- #comment-## -->
2636
2637				</li><!-- #comment-## -->
2638				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-11633">
2639
2640					<article id="comment-11633" class="ast-comment">
2641					<div class= 'ast-comment-info'>
2642						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2644								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-11633"><time datetime="2023-10-14T21:02:57+02:00">14/10/2023 kl. 21:02</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2645							</div>
2646							<section class="ast-comment-content comment ">
2647								<p>Nu er der et helt blogindlæg, du kan gå om bord i.</p>
2648<p><a href="https://www.frinans.dk/nordnet-global-index-125/" rel="ugc">https://www.frinans.dk/nordnet-global-index-125/</a></p>
2649								<div class="ast-comment-edit-reply-wrap">
2650									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-11633" data-commentid="11633" data-postid="10442" data-belowelement="comment-11633" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2651															</section> <!-- .ast-comment-content -->
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2653
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2658
2659					<article id="comment-13053" class="ast-comment">
2660					<div class= 'ast-comment-info'>
2661						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2663								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13053"><time datetime="2024-06-29T12:07:44+02:00">29/06/2024 kl. 12:07</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2664							</div>
2665							<section class="ast-comment-content comment ">
2666								<p>Hej Sune</p>
2667<p>Jeg har en månedsopsparing med Sparindex INDEX Globale Aktier KL, Sparindex INDEX DJSI World KL og Sparindex INDEX Bæredygtige Global KL. Men jeg har lidt svært ved at forstå, hvad deres aktivklasse betyder. Ved de to første står der forkortelsen EQY og ved den sidste står der OTH?<br />
2668Hvad betyder de forkortelser, og hvad betyder det for beskatningen af min månedsopsparing?</p>
2669<p>Kh<br />
2670Astrid</p>
2671								<div class="ast-comment-edit-reply-wrap">
2672									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13053" data-commentid="13053" data-postid="10442" data-belowelement="comment-13053" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span>								</div>
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2675
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2677				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-13054">
2678
2679					<article id="comment-13054" class="ast-comment">
2680					<div class= 'ast-comment-info'>
2681						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2682						-->
2683								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13054"><time datetime="2024-06-29T12:49:02+02:00">29/06/2024 kl. 12:49</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2684							</div>
2685							<section class="ast-comment-content comment ">
2686								<p>Hej,</p>
2687<p>Hvorhenne ser du de forkortelser? Jeg kan ikke finde dem noget sted på Nordnet. </p>
2688<p>Har du din månedsopsparing et andet sted?</p>
2689<p>/Sune</p>
2690								<div class="ast-comment-edit-reply-wrap">
2691									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13054" data-commentid="13054" data-postid="10442" data-belowelement="comment-13054" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2692															</section> <!-- .ast-comment-content -->
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2694
2695				<ol class="children">
2696				<li class="comment odd alt depth-3" id="li-comment-13061">
2697
2698					<article id="comment-13061" class="ast-comment">
2699					<div class= 'ast-comment-info'>
2700						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/375435f8bb17909c5f3ae9801f41820cefbd4cf3d6dd40a44ae101ccd67b48a5?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/375435f8bb17909c5f3ae9801f41820cefbd4cf3d6dd40a44ae101ccd67b48a5?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2702								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Astrid</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13061"><time datetime="2024-06-30T11:37:11+02:00">30/06/2024 kl. 11:37</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2703							</div>
2704							<section class="ast-comment-content comment ">
2705								<p>Hej Sune. Nej jeg har min månedsopsparing ved Nordnet. Når du går ind på app&#8217;en, så under &#8220;oversigt&#8221; og scroller ned til &#8220;Nøgletal&#8221; så står de forkortelser under &#8220;Aktiv klasse&#8221;?</p>
2706								<div class="ast-comment-edit-reply-wrap">
2707									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13061" data-commentid="13061" data-postid="10442" data-belowelement="comment-13061" data-respondelement="respond" data-replyto="Besvar Astrid" aria-label="Besvar Astrid">Svar</a></span>								</div>
2708															</section> <!-- .ast-comment-content -->
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2710
2711				<ol class="children">
2712				<li class="comment byuser comment-author-supersune bypostauthor even depth-4" id="li-comment-13062">
2713
2714					<article id="comment-13062" class="ast-comment">
2715					<div class= 'ast-comment-info'>
2716						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https:
2716//secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2718								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13062"><time datetime="2024-06-30T14:00:36+02:00">30/06/2024 kl. 14:00</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2719							</div>
2720							<section class="ast-comment-content comment ">
2721								<p>Hej,</p>
2722<p>Min app er på engelsk og jeg har sikkert også fjernet det meste, da jeg ikke ønsker alt det, der bliver proppet ind i apps, så jeg kan ikke finde det, du henviser til.</p>
2723<p>Skriv og spørg nordnet. </p>
2724<p>/Sune</p>
2725								<div class="ast-comment-edit-reply-wrap">
2726									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13062" data-commentid="13062" data-postid="10442" data-belowelement="comment-13062" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2727															</section> <!-- .ast-comment-content -->
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2729
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2738
2739					<article id="comment-13437" class="ast-comment">
2740					<div class= 'ast-comment-info'>
2741						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2743								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13437"><time datetime="2024-10-29T12:47:11+01:00">29/10/2024 kl. 12:47</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2744							</div>
2745							<section class="ast-comment-content comment ">
2746								<p>Hej Sune</p>
2747<p>Mange tak for virkelig gode YouTube indslag.</p>
2748<p>Mon du overvejer at afholde en form for “Caféarrangementer”, hvor vi passiv investorer med dig i spidsen kan vende økonomiske emner, erfaringer mm.?</p>
2749<p>Personligt savner jeg et sådanne fællesskab og måske det også kunne have andres interesse.<br />
2750Evt. som en form for medlemsskab på sigt. </p>
2751<p>Blot en idé og et ønske.</p>
2752<p>Rigtig god dag.</p>
2753<p>Vh<br />
2754Alice</p>
2755								<div class="ast-comment-edit-reply-wrap">
2756									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13437" data-commentid="13437" data-postid="10442" data-belowelement="comment-13437" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span>								</div>
2757															</section> <!-- .ast-comment-content -->
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2759
2760				<ol class="children">
2761				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-13440">
2762
2763					<article id="comment-13440" class="ast-comment">
2764					<div class= 'ast-comment-info'>
2765						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2767								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13440"><time datetime="2024-10-29T14:09:15+01:00">29/10/2024 kl. 14:09</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2768							</div>
2769							<section class="ast-comment-content comment ">
2770								<p>
2770Hej Alice, </p>
2771<p>Jeg har deltaget i et par af den slags arrangementer, men det har ikke min store interesse selv at stå for dem. </p>
2772<p>Jeg ved, at der er flere, der har det på samme måde som dig, men der er langt imellem dem, der selv ønsker at stå for det. </p>
2773<p>Det sker ind i mellem, at der er nogen, der arrangerer den slags igennem <a href="https://www.facebook.com/groups/1145367158930357" rel="nofollow ugc">FIREdanmark</a>.</p>
2774<p>Ellers er det nok noget a la <a href="https://moneypennyandmore.dk" target="_blank" rel="noopener nofollow ugc">Moneypenny</a>, du skal kigge efter.  </p>
2775<p>Mvh Sune</p>
2776								<div class="ast-comment-edit-reply-wrap">
2777									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13440" data-commentid="13440" data-postid="10442" data-belowelement="comment-13440" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2778															</section> <!-- .ast-comment-content -->
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2780
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2785
2786					<article id="comment-13713" class="ast-comment">
2787					<div class= 'ast-comment-info'>
2788						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/900c6982ee1b11b213cf2bb35d8f175f6bf311b28fedc52432203a2ee47e4781?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/900c6982ee1b11b213cf2bb35d8f175f6bf311b28fedc52432203a2ee47e4781?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2790								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Suzana</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13713"><time datetime="2025-01-04T17:59:43+01:00">04/01/2025 kl. 17:59</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2791							</div>
2792							<section class="ast-comment-content comment ">
2793								<p>Jeg vender jævnligt tilbage til dette indlæg Sune, og jeg sender det også jævnligt rundt til nye investorer i mit netværk. Jeg vil bare sige tusinde tak for et super og meget fornuftigt indlæg 🙂</p>
2794								<div class="ast-comment-edit-reply-wrap">
2795									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13713" data-commentid="13713" data-postid="10442" data-belowelement="comment-13713" data-respondelement="respond" data-replyto="Besvar Suzana" aria-label="Besvar Suzana">Svar</a></span>								</div>
2796															</section> <!-- .ast-comment-content -->
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2798
2799				<ol class="children">
2800				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-13714">
2801
2802					<article id="comment-13714" class="ast-comment">
2803					<div class= 'ast-comment-info'>
2804						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2806								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13714"><time datetime="2025-01-04T22:17:00+01:00">04/01/2025 kl. 22:17</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2807							</div>
2808							<section class="ast-comment-content comment ">
2809								<p>Dejligt, at du kan bruge det 😊</p>
2810								<div class="ast-comment-edit-reply-wrap">
2811									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13714" data-commentid="13714" data-postid="10442" data-belowelement="comment-13714" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2812															</section> <!-- .ast-comment-content -->
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2814
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2818				<li class="comment odd alt thread-even depth-1" id="li-comment-13787">
2819
2820					<article id="comment-13787" class="ast-comment">
2821					<div class= 'ast-comment-info'>
2822						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2824								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13787"><time datetime="2025-01-28T13:00:11+01:00">
282428/01/2025 kl. 13:00</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2825							</div>
2826							<section class="ast-comment-content comment ">
2827								<p>Hejsa</p>
2828<p>hvilken overvejelser har du ift. at have alle dinen aktiver i sammen investeringsforening? her tænker jeg på om en investeringsforening kan gå konkurs og du kan miste dine aktiver? vh Jacob</p>
2829								<div class="ast-comment-edit-reply-wrap">
2830									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13787" data-commentid="13787" data-postid="10442" data-belowelement="comment-13787" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span>								</div>
2831															</section> <!-- .ast-comment-content -->
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2833
2834				<ol class="children">
2835				<li class="comment byuser comment-author-supersune bypostauthor even depth-2" id="li-comment-13788">
2836
2837					<article id="comment-13788" class="ast-comment">
2838					<div class= 'ast-comment-info'>
2839						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
2840						-->
2841								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13788"><time datetime="2025-01-28T14:26:25+01:00">28/01/2025 kl. 14:26</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2842							</div>
2843							<section class="ast-comment-content comment ">
2844								<p>En investeringsforening kan ikke gå konkurs.</p>
2845<p><a href="https://www.finanshus.dk/investering/hvad-sker-der-hvis-en-investeringsforening-gaar-konkurs/" rel="nofollow ugc">Se her.</a></p>
2846								<div class="ast-comment-edit-reply-wrap">
2847									<span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13788" data-commentid="13788" data-postid="10442" data-belowelement="comment-13788" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span>								</div>
2848															</section> <!-- .ast-comment-content -->
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2850
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2853
2854					<article id="comment-13789" class="ast-comment">
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2856						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2858								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13789"><time datetime="2025-01-29T13:52:14+01:00">29/01/2025 kl. 13:52</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2859							</div>
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2861								<p>tak for svar!</p>
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2873
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2878								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Kjaerful</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13849"><time datetime="2025-03-03T04:07:14+01:00">03/03/2025 kl. 04:07</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2879							</div>
2880							<section class="ast-comment-content comment ">
2881								<p>Hej Sune,<br />
2882Jeg kan se, at du ejer Sparindex Globale Aktier. Jeg har den også selv i min portefølje, men jeg overvejer at begynde at købe op i Danske Invest Global Indeks i stedet, da ÅOP (årlige omkostninger i procent) er 0,40 % mod 0,50 % for Sparindex.  </p>
2883<p>Er der en særlig grund til, at du vælger Sparindex Globale Aktier frem for Danske Invest? Så vidt jeg kan se, bliver de beskattet på samme måde.  </p>
2884<p>Jeg overvejer også at købe Danske Invest USA Indeks i stedet for Sparindex USA Value, da den også har en lavere ÅOP.  </p>
2885<p>Hvad er din holdning til de to Danske Invest-indekser, jeg nævner her?  </p>
2886<p>På forhånd tak</p>
2887								<div class="ast-comment-edit-reply-wrap">
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2891
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2893				<li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-13853">
2894
2895					<article id="comment-13853" class="ast-comment">
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2897						<div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&#038;d=blank&#038;r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&#038;d=blank&#038;r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space
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2899								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-13853"><time datetime="2025-03-03T10:18:29+01:00">
289903/03/2025 kl. 10:18</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2900							</div>
2901							<section class="ast-comment-content comment ">
2902								<p>Ja, de investerer ikke i det samme. </p>
2903<p>Danske Invest indeholder kun developed markets, Sparindex indeholder developed markets, emerging markets og small cap aktier. </p>
2904<p>Jeg ønsker en så bred investering som muligt og har vurderet, at det er vigtigere end at spare 0,10 pct. </p>
2905<p>Min holding til at vælge noget specifikt amerikansk er, at det ikke giver mening, da det er et udtryk for aktiv investering. Det er at tilvælge ekstra USA og fravælge alt andet. Du kan ikke forudsige fremtiden og ved derfor ikke, om det er bedre. </p>
2906<p>/Sune</p>
2907								<div class="ast-comment-edit-reply-wrap">
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2911
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2916
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2921								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anders L.</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-14039"><time datetime="2025-04-21T19:18:15+02:00">21/04/2025 kl. 19:18</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2922							</div>
2923							<section class="ast-comment-content comment ">
2924								<p>Hej, Sune<br />
2925Kan se at du via MSTR ligger med næsten 10% eksponering mod Bitcoin. Har du et max ift hvor stor en del af din samlede investering du vil udsætte for så volatilt et marked som krypto?</p>
2926								<div class="ast-comment-edit-reply-wrap">
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2930
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2933
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2938								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-14049"><time datetime="2025-04-23T08:23:16+02:00">23/04/2025 kl. 08:23</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2939							</div>
2940							<section class="ast-comment-content comment ">
2941								<p>Bitcoin, ikke krypto. Jeg har ingen interesse i kryptomarkedet og de fantasillioner af hundemønter og andet lignende, der er &#8220;opfundet&#8221;.</p>
2942<p>Jeg tænker en Bitcoin eksponering i lejet 10-20%. Udfordringen er lidt, at det kan være ret dyrt i skat at rebalancere på mit almindelige aktiedepot. Men i slutningen af 24&#8242; solgte jeg en del ud på aktiesparekontoen, her havde Strategy vokset til at fylde omkring 80% af porteføljen.</p>
2943								<div class="ast-comment-edit-reply-wrap">
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2952
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2957								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn">Anonym</b> </cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-14223"><time datetime="2025-05-05T13:19:37+02:00">
295705/05/2025 kl. 13:19</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
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2960								<p>Hej Sune Tak for din kanal og blog samt dit ligefremme og ærlige væsen. Kan du forklare hvordan en aktiekurs som feks Novo Nordisk udregnes helt præcist? Jeg syntes aktier minder for meget om en Ponzi scheme, måske du kan forklare det til en skeptisk jyde?</p>
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2973								<div class="ast-comment-data-wrap"><div class="ast-comment-meta-wrap"><header class="ast-comment-meta ast-row ast-comment-author capitalize"><div class = "ast-comment-cite-wrap ast-col-lg-12"><cite><b class="fn"><a href="https://www.frinans.dk" class="url" rel="ugc">Sune Bjørn Andersen</a></b> <span class="ast-highlight-text ast-cmt-post-author"></span></cite></div><div class = "ast-comment-time ast-col-lg-12"><span  class="timendate"><a href="https://www.frinans.dk/simpel-investering/#comment-14224"><time datetime="2025-05-05T15:33:06+02:00">05/05/2025 kl. 15:33</time></a></span></div>								</div>								</header> <!-- .ast-comment-meta -->
2974							</div>
2975							<section class="ast-comment-content comment ">
2976								<p>En aktiekurs udregnes slet ikke. Den er ganske enkelt bare, hvad aktien sidst er blevet handlet til. Så kursen afspejler den pris, sælger og køber kan blive enige om. Jo flere der vil sælge, jo større bliver salgspresset og jo længere ned ryger prisen. Jo flere der vil købe, jo større bliver købspresset og prisen stiger. Det er det. I princippet meget enkelt. </p>
2977<p>Det svære element består i, at mange prøver at gætte, i hvilken retning kursen skal indenfor en given tidsramme og det kan de færreste.</p>
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3035				<div class="ast-footer-social-1-wrap ast-footer-social-wrap"><div class="footer-social-inner-wrap element-social-inner-wrap social-show-label-false ast-social-color-type-official ast-social-stack-none ast-social-element-style-filled"><a href="https://www.youtube.com/c/Frinans?sub_confirmation=1" aria-label="YouTube" target="_blank" rel="noopener noreferrer" style="--color: #e96651; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-youtube footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 576 512'><path d='M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z'></path></svg></span></a><a href="https://www.instagram.com/frinans.dk/" aria-label="Instagram" target="_blank" rel="noopener noreferrer" style="--color: #8a3ab9; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-instagram footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 448 512'><path d='M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z'></path></svg></span></a><a href="https://www.facebook.com/frinans" aria-label="Facebook" target="_blank" rel="noopener noreferrer" style="--color: #557dbc; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-facebook footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 512 512'><path d='M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z'></path></svg></span></a><a href="https://www.tiktok.com/@frinansdk" aria-label="TikTok" target="_blank" rel="noopener noreferrer" style="--color: #000000; --background-color: transparent;
3035" class="ast-builder-social-element ast-inline-flex ast-tiktok footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 32 32'><path d='M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z'></path></svg></span></a><a href="mailto:[email protected]" aria-label="Email"  style="--color: #ea4335; --background-color: transparent;" class="ast-builder-social-element ast-inline-flex ast-email footer-social-item"><span aria-hidden="true" class="ahfb-svg-iconset ast-inline-flex svg-baseline"><svg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24'> <title> Email </title> <path d='M0 3v18h24v-18h-24zm6.623 7.929l-4.623 5.712v-9.458l4.623 3.746zm-4.141-5.929h19.035l-9.517 7.713-9.518-7.713zm5.694 7.188l3.824 3.099 3.83-3.104 5.612 6.817h-18.779l5.513-6.812zm9.208-1.264l4.616-3.741v9.348l-4.616-5.607z'/></svg></span></a></div></div>			</div>
3036					<div class="footer-widget-area widget-area site-footer-focus-item" data-section="section-footer-menu">
3037				<div class="footer-bar-navigation"><nav class="site-navigation ast-flex-grow-1 navigation-accessibility footer-navigation" id="footer-site-navigation" aria-label="Site Navigation: Sidefod" itemtype="https://schema.org/SiteNavigationElement" itemscope="itemscope"><div class="footer-nav-wrap"><ul id="astra-footer-menu" class="ast-nav-menu ast-flex astra-footer-horizontal-menu astra-footer-tablet-horizontal-menu astra-footer-mobile-horizontal-menu"><li id="menu-item-54870" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-54870"><a href="https://www.frinans.dk/om-frinans/" class="menu-link">Om</a></li>
3038<li id="menu-item-54195" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-54195"><a href="https://www.frinans.dk/ordbog/" class="menu-link">Ordbog</a></li>
3039<li id="menu-item-36614" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-36614"><a href="https://www.frinans.dk/kontakt/" class="menu-link">Kontakt</a></li>
3040<li id="menu-item-35388" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-privacy-policy menu-item-35388"><a rel="privacy-policy" href="https://www.frinans.dk/disclaimer/" class="menu-link">Privatliv</a></li>
3041</ul></div></nav></div>			</div>
3042							</div>
3043										</div>
3044			</div>
3045
3046</div>
3047	</footer><!-- #colophon -->
3048	</div><!-- #page -->
3049
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3053
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3057
3058		
3059				<div
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3061			aria-label="Forstørrede billeder"
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3126
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3135			
3136		</div>
3137		<!-- / Cookie Compliance for WordPress plugin -->	
3137<script id="cookie-notice-front-js-before">
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3222<script id="jetpack-stats-js-before">
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3228var Jetpack_Block_Assets_Base_Url="https://www.frinans.dk/wp-content/plugins/jetpack/_inc/blocks/";
3229//# sourceURL=jetpack-blocks-assets-base-url-js-before
3230</script>
3230<script id="wp-dom-ready-js" src="https://www.frinans.dk/wp-includes/js/dist/dom-ready.min.js?ver=3fe927cab37bf38d6a23"></script>
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3230<script type='text/javascript' src='https://www.frinans.dk/wp-content/boost-cache/static/9433b0e7f8.min.js'></script>
3230<script type="module">
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3234</script>
3234<script type="text/javascript">
3235			(function () {
3236				const iframe = document.getElementById( 'jetpack_remote_comment' );
3237								const watchReply = function() {
3238					// Check addComment._Jetpack_moveForm to make sure we don't monkey-patch twice.
3239					if ( 'undefined' !== typeof addComment && ! addComment._Jetpack_moveForm ) {
3240						// Cache the Core function.
3241						addComment._Jetpack_moveForm = addComment.moveForm;
3242						const commentParent = document.getElementById( 'comment_parent' );
3243						const cancel = document.getElementById( 'cancel-comment-reply-link' );
3244
3245						function tellFrameNewParent ( commentParentValue ) {
3246							const url = new URL( iframe.src );
3247							if ( commentParentValue ) {
3248								url.searchParams.set( 'replytocom', commentParentValue )
3249							} else {
3250								url.searchParams.delete( 'replytocom' );
3251							}
3252							if( iframe.src !== url.href ) {
3253								iframe.src = url.href;
3254							}
3255						};
3256
3257						cancel.addEventListener( 'click', function () {
3258							tellFrameNewParent( false );
3259						} );
3260
3261						addComment.moveForm = function ( _, parentId ) {
3262							tellFrameNewParent( parentId );
3263							return addComment._Jetpack_moveForm.apply( null, arguments );
3264						};
3265					}
3266				}
3267				document.addEventListener( 'DOMContentLoaded', watchReply );
3268				// In WP 6.4+, the script is loaded asynchronously, so we need to wait for it to load before we monkey-patch the functions it introduces.
3269				document.querySelector('#comment-reply-js')?.addEventListener( 'load', watchReply );
3270
3271								
3272				const commentIframes = document.getElementsByClassName('jetpack_remote_comment');
3273
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3278
3279					if (!event?.data?.iframeUniqueId && !event?.data?.height) {
3280						return;
3281					}
3282
3283					const eventDataUniqueId = event.data.iframeUniqueId;
3284
3285					// Change height for the matching comment iframe
3286					for (let i = 0; i < commentIframes.length; i++) {
3287						const iframe = commentIframes[i];
3288						const url = new URL(iframe.src);
3289						const iframeUniqueIdParam = url.searchParams.get('iframe_unique_id');
3290						if (iframeUniqueIdParam == event.data.iframeUniqueId) {
3291							iframe.style.height = event.data.height + 'px';
3292							return;
3293						}
3294					}
3295				});
3296			})();
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3297</body>
3298</html>

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