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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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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&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&ssl=1&resize=1536%2C864 1536w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=1456%2C820 1456w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=1200%2C675 1200w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=1120%2C630 1120w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=1059%2C597 1059w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=1005%2C564 1005w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=960%2C540 960w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=800%2C450 800w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=768%2C432 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=744%2C418 744w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=706%2C398 706w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=670%2C376 670w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=640%2C360 640w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=560%2C315 560w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=400%2C225 400w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&resize=372%2C209 372w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/11/Simpel-investering-banner.jpg?fit=768%2C432&ssl=1&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&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&ssl=1 313w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=232%2C256&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 > 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">Månedsopsparing</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 pÃ¥ 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 fÃ¥ lov at arbejde i mindst tre Ã¥r, uden at du fÃ¥r 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 Ã¥r gælder det om at investere pengene og ikke gamble dem væk pÃ¥ spekulation.</p> 471 472 473 474<p class="wp-block-paragraph"><em>Det kan ogsÃ¥ 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 > Gambling</span></h2> 479 480 481 482<p class="wp-block-paragraph">Spekulation er kortsigtet og jagten pÃ¥ den store gevinst, hvorimod investering er langsigtet med fokus pÃ¥ 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>âGet rich slowly vs. Get poor quicklyâ</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&ssl=1" alt="Forskellen pÃ¥ 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&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?resize=384%2C256&ssl=1 384w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Forskellen-paa-investering-og-spekulation.jpg?w=768&
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">Månedsopsparing</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&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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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. </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. </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. </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&ssl=1" alt="Norm Invest er den nemmeste mÃ¥de at investere pÃ¥. 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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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>fÃ¥ styr pÃ¥ 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 pÃ¥ 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 mÃ¥der at investere pÃ¥:</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 pÃ¥ 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 stÃ¥r 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 stÃ¥ for det selv, ikke har tiden eller overskuddet til at sætte dig ind i det eller bare gerne vil udlicitere den opgave, sÃ¥ du kan fokusere din sparsomme tid pÃ¥ noget andet.</p> 808 809 810 811<p class="wp-block-paragraph">Hvis du er interesseret i en investeringsløsning, hvor du ikke selv skal stÃ¥ for det hele, er føromtalte Norm Invest et rigtig godt bud, men der er ogsÃ¥ andre investeringsrobotter pÃ¥ 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 fÃ¥ 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 sÃ¥ 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 hÃ¥nden 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">Ãnsker du at holde tingene sÃ¥ simple som muligt, sÃ¥ 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 pÃ¥ 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> handler om at sprede investeringen ud.</strong> Det kan være horisontalt, pÃ¥ 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 ogsÃ¥ risikoen ved at investere bredt indenfor det enkelte aktiv, eksempelvis ved at eje mange forskellige aktier fremfor kun ganske fÃ¥.</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 pÃ¥.</p> 886 887 888 889<p class="wp-block-paragraph">Følgende lyder Ã¥ndssvagt, men er en vigtig læring for især begyndere:</p> 890 891 892 893<p class="wp-block-paragraph"><strong>âSpredning er redningâ</strong></p> 894 895 896 897<p class="wp-block-paragraph">Sørg for at fÃ¥ spredt din risiko godt og lad for guds skyld være med at købe en hÃ¥ndfuld enkeltaktier, fordi du tror særligt pÃ¥ de virksomheder. </p> 898 899 900 901<p class="wp-block-paragraph">Lad os blive klogere pÃ¥ 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&ssl=1" alt="Norm Invest er den nemmeste mÃ¥de at investere pÃ¥. 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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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>fÃ¥ styr pÃ¥ 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 pÃ¥ 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 <a href="https://www.frinans.dk/aktier-for-begyndere/">aktier</a> i en virksomhed, ejer du en del af virksomheden.</strong> Som aktionær kan du tjene penge pÃ¥ to mÃ¥der:</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 Ã¥ret pÃ¥ et tidspunkt i forÃ¥ret.</p> 956 957 958 959<p class="wp-block-paragraph">Kursstigningen kommer af handel med aktien pÃ¥ 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 pÃ¥ 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> er basalt set et lÃ¥n</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. NÃ¥r løbetiden udrinder udbetales den oprindelige pris pÃ¥ obligationen.</p> 976 977 978 979<p class="wp-block-paragraph">Det er okay, hvis du synes det er svært, de færreste forstÃ¥r reelt, hvordan obligationer virker.</p> 980 981 982 983<p class="wp-block-paragraph">Med obligationer, kan du tjene penge pÃ¥ to mÃ¥der:</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 pÃ¥ forhÃ¥nd. Stiger renten, udbetaler nye obligationer en højere rente og dermed falder værdien pÃ¥ 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 er mÃ¥ske 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, sÃ¥ med mindre, at du spekulerer i et senere salg eller en refinansiering af lÃ¥nene, sÃ¥ 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 pÃ¥ flere mÃ¥der. Du kan eksempelvis købe ejendomme med henblik pÃ¥ 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 ogsÃ¥ investere i ejendomme igennem REITs, der nemmest kan forstÃ¥s 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. PÃ¥ den mÃ¥de 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 pÃ¥ 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> har taget verden med storm siden det sÃ¥ dagens lys tilbage i 2009.</strong> Det er bÃ¥de 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 sÃ¥ 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 ogsÃ¥ 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, sÃ¥ 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 mÃ¥ske 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 ogsÃ¥ 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&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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=500%2C281&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=455%2C256&ssl=1 455w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2019/09/Firi-banner.jpg?resize=768%2C432&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 <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">FÃ¥ 50 kr. i bonus â</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 Ã¥r.</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 pÃ¥, 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>NÃ¥r 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 <strong>aktiv</strong> investering forsøges det at slÃ¥ markedet, klare sig bedre end gennemsnittet, med risikoen for at tabe til markedet, klare sig dÃ¥rligere end gennemsnittet. </p> 1140 1141 1142 1143<ul class="wp-block-list"> 1144<li>Aktiv investering er at lede efter nÃ¥len i høstakken.</li> 1145</ul> 1146 1147 1148 1149<p class="wp-block-paragraph">Ved <strong>passiv</strong> investering ønskes det at matche markedet og dermed opnÃ¥ 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&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&ssl=1 720w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=500%2C500&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?resize=256%2C256&ssl=1 256w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/09/Wall-Street.jpeg?w=768&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 fÃ¥ 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 <a href="https://rationalreminder.ca/blog/2019/12/5/efficient-capital-markets-explained-at-last">den efficiente markedshypotese</a> som siger at:</p> 1172 1173 1174 1175<p class="wp-block-paragraph">âPrisen pÃ¥ et aktiv reflekterer al tilgængelig information om aktivetâ.</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 pÃ¥ en aktie.</p> 1180 1181 1182 1183<p class="wp-block-paragraph"><strong>Du kan ikke have en fordel i markedet</strong> og det er ekstremt usandsynligt, at du som aktiv investor slÃ¥r markedet ved at udvælge enkeltaktier, sÃ¥ 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 slÃ¥ markedet efter omkostninger, sÃ¥ hvad fÃ¥r 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&ssl=1" alt="Langt de fleste investorer kan ikke slÃ¥ 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&ssl=1 1024w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=500%2C268&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=477%2C256&ssl=1 477w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?resize=768%2C412&ssl=1 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2023/02/SPIVA-USA-2022.png?w=1406&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 pÃ¥ aktiemarkedet. </p> 1196 1197 1198 1199<p class="wp-block-paragraph">Jeg advarer pÃ¥ forhÃ¥nd, det er en smule tÃ¥krummende 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 pÃ¥ at lede efter nÃ¥len i høstakken og bare købe hele høstakken. </p> 1208 1209 1210 1211<p class="wp-block-paragraph"><strong>Den gennemsnitlige passive investor slÃ¥r 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 mÃ¥ske den vigtigste læring overhovedet at gøre sig som investor.</p> 1220 1221 1222 1223<p class="wp-block-paragraph">En af hovedÃ¥rsagerne 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> 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> er forbundet med opbevaringen af investeringsporteføljen, det at Ã¥bne og have en konto.</p> 1250 1251 1252 1253<p class="wp-block-paragraph"><strong>Handelsomkostninger</strong> er forbundet med at købe og sælge pÃ¥ 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 pÃ¥ børsen.</p> 1254 1255 1256 1257<p class="wp-block-paragraph">De <strong>løbende omkostninger</strong> gør sig gældende for fonde og ETFâer 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 pÃ¥ </strong><a href="https://www.frinans.dk/omkostningers-effekt-paa-dit-afkast/"><strong>omkostningernes effekt pÃ¥ dit afkast</strong></a><strong>.</strong></p> 1262 1263 1264 1265<p class="wp-block-paragraph">Eksempel: Portefølje 1 har løbende omkostninger pÃ¥ 1.60% og portefølje 2 pÃ¥ 0.60%. Begge porteføljer er ved start 1.000.000 kr. værd og forrentes med 7% om Ã¥ret over 30 Ã¥r. Efter de 30 Ã¥r er portefølje 1, <strong>4.844.000 kr.</strong> værd og portefølje 2, <strong>6.430.000 kr.</strong> 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&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&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&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&
1269ssl=1 583w" sizes="auto, (max-width: 716px) 100vw, 716px"></figure> 1270 1271 1272 1273<p class="wp-block-paragraph">Det er forskellen pÃ¥ 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>âTag omkostningerne alvorligt, de har stor betydning.â</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, sÃ¥ 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&ssl=1" alt="Norm Invest er den nemmeste mÃ¥de at investere pÃ¥. 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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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>fÃ¥ styr pÃ¥ 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 pÃ¥ 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, nÃ¥r det kommer til passiv investering i aktier.</strong></p> 1326 1327 1328 1329<p class="wp-block-paragraph">De fleste aktier handles pÃ¥ 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 pÃ¥ dem der laver indekset og ACWI stÃ¥r for All Country World Index, IMI betyder, at small cap aktier, mindre virksomheder, ogsÃ¥ er inkluderet. Det bestÃ¥r af bÃ¥de 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">Ãnsker du at investere i aktier og accepterer du præmissen om, at du ikke kan slÃ¥ markedet, sÃ¥ er det for langt de fleste ønskværdigt at investere sÃ¥ 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 pÃ¥, at omkostningerne ogsÃ¥ var meget vigtige, sÃ¥ 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">ETFâer er kendetegnet ved ekstremt lave omkostninger, men de beskattes anderledes end danske udbyttebetalende indeksfonde og derfor bruger jeg dem ikke pÃ¥ mit aktiedepot.</p> 1368 1369 1370 1371<p class="wp-block-paragraph">PÃ¥ 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 pÃ¥, at det kan være dyrere i omkostninger at købe ETFâer, sÃ¥ mÃ¥ske 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 pÃ¥ vegne af dit barn, du gerne vil investere? SÃ¥ 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, nÃ¥r det gælder investering i aktier pÃ¥ 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 pÃ¥ især 3 omrÃ¥der.</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> pÃ¥ 0,3%, Sparindex MSCI ACWI næstbilligst pÃ¥ 0,35% og Sparindex Globale Aktier er den dyreste pÃ¥ 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 Ã¥rligt udbytte, det skal du betale skat af og sÃ¥ 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, sÃ¥ du ikke bliver beskattet dobbelt, nÃ¥r du sælger. </p> 1452 1453 1454 1455<p class="wp-block-paragraph">Er det en kompleksitet, du kan leve med? SÃ¥ overvej den. Hvis ikke, sÃ¥ vælg en anden. </p> 1456 1457 1458 1459<p class="wp-block-paragraph">Alle tre fonde er gode og du gÃ¥r 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&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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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. </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. </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>Månedsopsparing</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&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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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="{"imageId":"6ac6494dbd2d2"}
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&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&ssl=1 1249w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=500%2C288&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=444%2C256&ssl=1 444w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=768%2C443&ssl=1 768w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?resize=1536%2C886&ssl=1 1536w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2025/04/Skatteoversigt.webp?w=1710&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>< 79.400 kr. årligt beskattes med 27% </li> 1679 1680 1681 1682<li>> 79.400 kr. årligt beskattes med 42% </li> 1683 1684 1685 1686<li>Dobbelte grænseværdier for ægtefæller </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 </li> 1705 1706 1707 1708<li>Positiv nettokapitalindkomst beskattes i intervallet 37-42% </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&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&ssl=1 1280w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=500%2C256&ssl=1 500w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2024/10/Norm-Invest-e1746777511380.jpg?resize=768%2C393&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 pÃ¥ mine investeringer.</p> 1850 1851 1852 1853<p class="wp-block-paragraph">Sammensætningen pÃ¥ 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 pÃ¥ 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 undgÃ¥ lagerbeskatning pÃ¥ 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 pÃ¥ 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 pÃ¥ to danske universiteter. Det betyder, at jeg ikke kan flytte den, hvorhen jeg vil. Den stÃ¥r 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 pÃ¥ pensionsdepoter. Maksimalt 5% i ét af den type værdipapirer og maksimalt 20% samlet, pÃ¥ 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 pÃ¥ 0,07 og dels er sÃ¥ 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. Ãnsker 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 pÃ¥ <a href="https://buymeacoffee.com/frinans/e/555110">video</a>, sÃ¥ 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&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&ssl=1 313w, https://i0.wp.com/www.frinans.dk/wp-content/uploads/2026/09/Simpel-investering-for-begyndere-kursus.png?resize=232%2C256&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">FÃ¥ 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> ð Jeg guider dig fra start til slut, sÃ¥ du bliver klædt godt pÃ¥ 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> â FÃ¥ 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> â 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> â Danmarks bedste mÃ¥nedsopsparing<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> â Spar penge pÃ¥ 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> â Spar penge pÃ¥ 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> â Spar penge pÃ¥ din bank</p> 1978 1979 1980 1981<p class="wp-block-paragraph"><em><em>FÃ¥ en mail nÃ¥r jeg udgiver nyt ð</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"> 1985 <div class="wp-block-jetpack-subscriptions__container is-not-subscriber"> 1986 <form action="https://wordpress.com/email-subscriptions" method="post" accept-charset="utf-8" data-blog="126813970" data-post_access_level="everybody" data-subscriber_email="" id="subscribe-blog"> 1987 <div class="wp-block-jetpack-subscriptions__form-elements"> 1988 <p id="subscribe-email"> 1989 <label id="subscribe-field-label" for="subscribe-field" class="screen-reader-text"> 1990 Din mail⦠</label> 1991 <input required="required" type="email" name="email" autocomplete="email" style="font-size: 16px;padding: 15px 23px 15px 23px;border-radius: 10px;border-width: 1px;" placeholder="Din mail..." value="" id="subscribe-field" title="Please fill in this field."> </p> 1992 <p id="subscribe-submit"> 1993 <input type="hidden" name="action" value="subscribe"> 1994 <input type="hidden" name="blog_id" value="126813970"> 1995 <input type="hidden" name="source" value="https://www.frinans.dk/simpel-investering/"> 1996 <input type="hidden" name="sub-type" value="subscribe-block"> 1997 <input type="hidden" name="app_source" value=""> 1998 <input type="hidden" name="redirect_fragment" value="subscribe-blog"> 1999 <input type="hidden" name="lang" value="da_DK"> 2000 <input type="hidden" id="_wpnonce" name="_wpnonce" value="692ddbf067"><input type="hidden" name="_wp_http_referer" value="/simpel-investering/"><input type="hidden" name="post_id" value="10442"> <button type="submit" class="wp-block-button__link" style="font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 10px;border-width: 1px;" name="jetpack_subscriptions_widget"> 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 bÃ¥de stige og falde i værdi. Der er en risiko for, at du ikke fÃ¥r 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 “Simpel investering for begyndere” </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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/9dc4b68d1298f8d6347f7e0e916c836de4c3f6e88d978acb1838f959170fa6ed?s=100&d=blank&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! SpørgsmÃ¥l:<br /> 2042Nu skriver du jo tydeligt â Lad være med at prøve at time markedet, men gør brug af Dollar Cost Averaging og renters rente.â<br /> 2043Jeg har endnu ikke investeret i noget, men vil gerne i gang med Nordnets mÃ¥nedsopsparing. Jeg har allerede har en sjat penge sat af til det (50-100.000 kr pÃ¥ en bankkonto). Hvad ville du anbefale – 1) at sætte f.eks. 30.000 eller 50.000 ind fra start og sÃ¥ overføre et par tusinde om mÃ¥neden eller 2) ville du starte med DCA lige fra start, og altsÃ¥ overføre mindre beløb fra start?<br /> 2044Tak pÃ¥ forhÃ¥nd ð</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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&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 ð </p> 2062<p>Da jeg ikke er investeringsrÃ¥dgiver, mÃ¥ 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/678982f132a0ccaa1cea4d212849b96ab95e7f6f4b35ff38046ae94eaa6bca9a?s=100&d=blank&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 sÃ¥ en risiko for at man har svært ved at sælge dem om 20/30 Ã¥r eller de mister værdi pÃ¥ grund af populariteten i investeringsfonde falder? </p> 2082<p>Ved godt det er lidt et hypotetisk spørgsmÃ¥l, men hÃ¥ber du vil komme med en kommentar pÃ¥ 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&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 ogsÃ¥, fordi ingen jo reelt ved, hvordan verden ser ud om 20-30 Ã¥r. 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 fÃ¥ kursen til at røre sig nævneværdigt, da de skal handle i nærheden af indre værdi, altsÃ¥ hvad de reelt er værd baseret pÃ¥ de underliggende aktiers værdi. SÃ¥ 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 --> 2106 </div> </article><!-- #comment-## --> 2107 2108 </li><!-- #comment-## --> 2109</ol><!-- .children --> 2110</li><!-- #comment-## --> 2111</ol><!-- .children --> 2112</li><!-- #comment-## --> 2113 <li class="comment even depth-2" id="li-comment-9796"> 2114 2115 <article id="comment-9796" class="ast-comment"> 2116 <div class= 'ast-comment-info'> 2117 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/165a2b1361ca9fcf5d1359a5d1ed0b82712a12774782b1f4fa4c6649e73cace5?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/165a2b1361ca9fcf5d1359a5d1ed0b82712a12774782b1f4fa4c6649e73cace5?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2118 --> 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 mÃ¥nedsopsparing til hende pÃ¥ Nordnet, hvor jeg investerer i ETFâer. Jeg har haft svært ved at finde sparring pÃ¥ omrÃ¥det. 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 --> 2127 </div> </article><!-- #comment-## --> 2128 2129 <ol class="children"> 2130 <li class="comment byuser comment-author-supersune bypostauthor odd alt depth-3" id="li-comment-9797"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2135 --> 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 trÃ¥de om det i FIREdanmark. <a href="https://www.facebook.com/groups/1145367158930357/learning_content/?filter=2722830471321800&post=4261020920576137" target="_blank" rel="noopener nofollow ugc">Jeg har sat den bedste af trÃ¥dene 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> 2145 </section> <!-- .ast-comment-content --> 2146 </div> </article><!-- #comment-## --> 2147 2148 </li><!-- #comment-## --> 2149 <li class="comment even depth-3" id="li-comment-10114"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/54f528e9598fa86ac282ad581acabd30817a380eca0b8796b213910c98629b38?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2154 --> 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> 2165 </section> <!-- .ast-comment-content --> 2166 </div> </article><!-- #comment-## --> 2167 2168 </li><!-- #comment-## --> 2169</ol><!-- .children --> 2170</li><!-- #comment-## --> 2171</ol><!-- .children --> 2172</li><!-- #comment-## --> 2173 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-9564"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2178 --> 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>HvornÃ¥r 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 opnÃ¥ 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2196 --> 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>“HvornÃ¥r bliver man egentlig økonomisk uafhængig hvis man skal tage hensyn til skat af en aktier?”</p> 2202<p>Det er et ekstremt svært spørgsmÃ¥l at svare pÃ¥, da skat er en uforanderlig størrelse og baseres pÃ¥ alle mulige forskellige input. Alene det, at der er forskellige satser alt afhængigt af størrelsen pÃ¥ 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 ogsÃ¥ 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> 2207 </section> <!-- .ast-comment-content --> 2208 </div> </article><!-- #comment-## --> 2209 2210 </li><!-- #comment-## --> 2211</ol><!-- .children --> 2212</li><!-- #comment-## --> 2213 <li class="comment odd alt thread-even depth-1" id="li-comment-9568"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/8ece7c4f68dbb3c344cad1d99d4a009c65c65fac5d374c81e6dbcaf1531d3f5e?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2218 --> 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 pÃ¥ nordnets mÃ¥nedsopsparing.<br /> 2224Hvad gør hvis jeg, hvis jeg gerne kun vil have globale aktier – skal jeg sÃ¥ sælge hvad jeg har i de to fonde og købe globale aktier – 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 --> 2230 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2238 --> 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 pÃ¥ den mÃ¥de. Hvis du gerne vil skifte, sÃ¥ mÃ¥ 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 --> 2248 </div> </article><!-- #comment-## --> 2249 2250 </li><!-- #comment-## --> 2251</ol><!-- .children --> 2252</li><!-- #comment-## --> 2253 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-9855"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f14679fc3589ed5a0187415525ae7d8299f95564adca689646dd1245abbc25ac?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2258 --> 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 à OP pÃ¥ 0,55% og et afkast sidste Ã¥r pÃ¥ 31%. (SPVIGAGKL)<br /> 2264Mens de aktier der følger OMX 25 har à OP pÃ¥ 0,33% og afkast sidste Ã¥r pÃ¥ 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 --> 2271 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2279 --> 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 ð</p> 2285<p>Afkast pÃ¥ 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 fÃ¥r 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 --> 2294 </div> </article><!-- #comment-## --> 2295 2296 <ol class="children"> 2297 <li class="comment odd alt depth-3" id="li-comment-9955"> 2298 2299 <article id="comment-9955" class="ast-comment"> 2300 <div class= 'ast-comment-info'> 2301 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=100&d=blank&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 mÃ¥nedsopsparing. SÃ¥ man nu kun kan vælge Nordnets 6 egne indexfonde (med lave gebyrer) eller aktivt forvaltede fonde (med høje gebyrer).</p> 2308<p>Bare sÃ¥ du ikke sender folk i en blindgyde ð</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 --> 2313 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2321 --> 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 mÃ¥nedsopsparing, der hedder “”Start en mÃ¥nedsopsparing i Nordnets indek
2326sfonde”. Vælger du “”Start en mÃ¥nedsopsparing i ETF’er og investeringsforeninger” 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 --> 2331 </div> </article><!-- #comment-## --> 2332 2333 </li><!-- #comment-## --> 2334</ol><!-- .children --> 2335</li><!-- #comment-## --> 2336</ol><!-- .children --> 2337</li><!-- #comment-## --> 2338</ol><!-- .children --> 2339</li><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f1a0db52c1025f6dd0cfd608b829d457c167984e4574d96285538f4f8979cbbf?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2345 --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/17b6f36aac37f23f0c7fba27ecf2dc1cb64c9254c7492186020b26f33c9789e5?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2361 --> 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 mÃ¥nedsopsparing og sat den til 100% Sparindex Globale Aktier KL, hvor den til at starte med bare køber for 500 kroner om hver mÃ¥ned. Ville du anbefale, at jeg allerede nu overvejer, hvornÃ¥r jeg vil sælge dem igen? Jeg har en meget lang tidshorisont – og dermed ikke noget imod høj risiko – sÃ¥ kan jeg i princippet bare holde fast i Sparindex Globale Aktier i mange Ã¥r 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2377 --> 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 investeringsrÃ¥dgivning og det mÃ¥ jeg ikke lave. </p> 2383<p>Det jeg kan sige er, at de ord og tanker du sætter pÃ¥ din forstÃ¥else 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 2391 </li><!-- #comment-## --> 2392</ol><!-- .children --> 2393</li><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/dbf6f626b98916a55aecae3d55a8b2be92dd5395f456427e42a09dbd20df5abf?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2399 --> 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 forstÃ¥ 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2416 --> 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 mÃ¥ investere, gør ikke den store forskel for mig. </p> 2422<p>SÃ¥dan har jeg i hvert fald tænkt indtil videre.</p> 2423<p>Men det kan godt være, at jeg hopper pÃ¥ vognen pÃ¥ 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 2430 </li><!-- #comment-## --> 2431</ol><!-- .children --> 2432</li><!-- #comment-## --> 2433 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-10483"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/5e3f3842382647e189d3a23090997f33792977736c04400ce690719207adccf8?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2438 --> 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 mÃ¥de at forklare tingene pÃ¥ ð<br /> 2444Hvis man investerer via konto i Nordnet bliver skatten af afkastet sÃ¥ 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2457 --> 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 ogsÃ¥ af produktet du investerer i. Bruger du nogle af de her passive indeksfonde, sÃ¥ bliver det indberettet og udregnet automatisk. Investerer du i smÃ¥ aktier fra First North, sÃ¥ 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 --> 2471</li><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2477 --> 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’er der burde følge verdensmarkedet:<br /> 2484– Ishares MSCI ACWI UCITS ETC (GB-USD)<br /> 2485– 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 Ã¥rsskiftet. Jeg har kun et lille stort set ens beløb i dem begge, men den ene ligger i +1.000 og den anden lÃ¥ 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> 2490 </section> <!-- .ast-comment-content --> 2491 </div> </article><!-- #comment-## --> 2492 2493 <ol class="children"> 2494 <li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-10926"> 2495 2496 <article id="comment-10926" class="ast-comment"> 2497 <div class= 'ast-comment-info'> 2498 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&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 ð</p> 2505<p>For det første er der ikke tale om to ETF’er, men en ETF og en dansk børsnoteret fond. Ikke vigtigt for dit spørgsmÃ¥l, men nu er vi i gang.</p> 2506<p>En anden ting, er du sikker pÃ¥, 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 spørgsmÃ¥let? Jo fordi valutaer bevæger sig frit i forhold til hinanden og det har en pæn stor bet
2507ydning for afkastet, pÃ¥ et givent tidspunkt. Det er ogsÃ¥ derfor, at du vil se en forskel pÃ¥, hvordan indekset bevæger sig og den enkelte fond, der skygger indekset.</p> 2508<p>Og sÃ¥ til kernen i spørgsmÃ¥let. 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 sÃ¥ oven i købet en afart af det med fokus pÃ¥ 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 --> 2516 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/32440667b23a3612b98bf1e404967d1ee6849af356a279e173d44bede270b918?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2524 --> 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 sÃ¥ mange ting at lære nÃ¥r 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 ogsÃ¥ fremadrettet vil fÃ¥ 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> 2531 </section> <!-- .ast-comment-content --> 2532 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2540 --> 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 ð</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 --> 2550 </div> </article><!-- #comment-## --> 2551 2552 </li><!-- #comment-## --> 2553</ol><!-- .children --> 2554</li><!-- #comment-## --> 2555</ol><!-- .children --> 2556</li><!-- #comment-## --> 2557</ol><!-- .children --> 2558</li><!-- #comment-## --> 2559 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-11513"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/93f8ff7c75cfe08ecd43c44ebc23c843225367d1b3576338a6efe64924100f6e?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2564 --> 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>SpørgmÃ¥l 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 Ã¥r, selvom det mÃ¥ske indebærer, at der skal realiseres en smule af porteføljens gevinster Ã¥rligt? Dette ville medføre, at man senere i livet ikke behøver betale sÃ¥ meget i skat ved den højere sats pÃ¥ 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 Ã¥rlige 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 --> 2578 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2586 --> 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 spørgsmÃ¥l, men jeg kender desværre ikke til sÃ¥dan en undersøgelse. SÃ¥ 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 sÃ¥ meget vildere, end man tror pÃ¥ 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-## --> 2600</ol><!-- .children --> 2601</li><!-- #comment-## --> 2602 <li class="comment even thread-even depth-1" id="li-comment-11630"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2607 --> 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 mÃ¥nedsopsparing</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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2625 --> 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 dÃ¥rlig 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2643 --> 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 gÃ¥ 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 --> 2652 </div> </article><!-- #comment-## --> 2653 2654 </li><!-- #comment-## --> 2655</ol><!-- .children --> 2656</li><!-- #comment-## --> 2657 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-13053"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2662 --> 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 mÃ¥nedsopsparing med Sparindex INDEX Globale Aktier KL, Sparindex INDEX DJSI World KL og Sparindex INDEX Bæredygtige Global KL. Men jeg har lidt svært ved at forstÃ¥, hvad deres aktivklasse betyder. Ved de to første stÃ¥r der forkortelsen EQY og ved den sidste stÃ¥r der OTH?<br /> 2668Hvad betyder de forkortelser, og hvad betyder det for beskatningen af min mÃ¥nedsopsparing?</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> 2673 </section> <!-- .ast-comment-content --> 2674 </div> </article><!-- #comment-## --> 2675 2676 <ol class="children"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&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 pÃ¥ Nordnet. </p> 2688<p>Har du din mÃ¥nedsopsparing 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 --> 2693 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/375435f8bb17909c5f3ae9801f41820cefbd4cf3d6dd40a44ae101ccd67b48a5?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2701 --> 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 mÃ¥nedsopsparing ved Nordnet. NÃ¥r du gÃ¥r ind pÃ¥ app’en, sÃ¥ under “oversigt” og scroller ned til “Nøgletal” sÃ¥ stÃ¥r de forkortelser under “Aktiv klasse”?</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 --> 2709 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https:
2716//secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2717 --> 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 pÃ¥ engelsk og jeg har sikkert ogsÃ¥ fjernet det meste, da jeg ikke ønsker alt det, der bliver proppet ind i apps, sÃ¥ 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 --> 2728 </div> </article><!-- #comment-## --> 2729 2730 </li><!-- #comment-## --> 2731</ol><!-- .children --> 2732</li><!-- #comment-## --> 2733</ol><!-- .children --> 2734</li><!-- #comment-## --> 2735</ol><!-- .children --> 2736</li><!-- #comment-## --> 2737 <li class="comment odd alt thread-even depth-1" id="li-comment-13437"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2742 --> 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 âCaféarrangementerâ, hvor vi passiv investorer med dig i spidsen kan vende økonomiske emner, erfaringer mm.?</p> 2749<p>Personligt savner jeg et sÃ¥danne fællesskab og mÃ¥ske det ogsÃ¥ kunne have andres interesse.<br /> 2750Evt. som en form for medlemsskab pÃ¥ 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 --> 2758 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2766 --> 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 stÃ¥ for dem. </p> 2772<p>Jeg ved, at der er flere, der har det pÃ¥ samme mÃ¥de som dig, men der er langt imellem dem, der selv ønsker at stÃ¥ 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 --> 2779 </div> </article><!-- #comment-## --> 2780 2781 </li><!-- #comment-## --> 2782</ol><!-- .children --> 2783</li><!-- #comment-## --> 2784 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-13713"> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/900c6982ee1b11b213cf2bb35d8f175f6bf311b28fedc52432203a2ee47e4781?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2789 --> 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 ogsÃ¥ jævnligt rundt til nye investorer i mit netværk. Jeg vil bare sige tusinde tak for et super og meget fornuftigt indlæg ð</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 --> 2797 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2805 --> 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 ð</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 --> 2813 </div> </article><!-- #comment-## --> 2814 2815 </li><!-- #comment-## --> 2816</ol><!-- .children --> 2817</li><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2823 --> 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 --> 2832 </div> </article><!-- #comment-## --> 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&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&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 --> 2849 </div> </article><!-- #comment-## --> 2850 2851 <ol class="children"> 2852 <li class="comment odd alt depth-3" id="li-comment-13789"> 2853 2854 <article id="comment-13789" class="ast-comment"> 2855 <div class= 'ast-comment-info'> 2856 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2857 --> 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> 2860 <section class="ast-comment-content comment "> 2861 <p>tak for svar!</p> 2862 <div class="ast-comment-edit-reply-wrap"> 2863 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13789" data-commentid="13789" data-postid="10442" data-belowelement="comment-13789" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span> </div> 2864 </section> <!-- .ast-comment-content --> 2865 </div> </article><!-- #comment-## --> 2866 2867 </li><!-- #comment-## --> 2868</ol><!-- .children --> 2869</li><!-- #comment-## --> 2870</ol><!-- .children --> 2871</li><!-- #comment-## --> 2872 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-13849"> 2873 2874 <article id="comment-13849" class="ast-comment"> 2875 <div class= 'ast-comment-info'> 2876 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/eeaa1bef24026dd17f81a6c174ae84812404e8aad20f33c4d01ed39eba70fad9?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/eeaa1bef24026dd17f81a6c174ae84812404e8aad20f33c4d01ed39eba70fad9?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2877 --> 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 à OP (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 à OP. </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"> 2888 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13849" data-commentid="13849" data-postid="10442" data-belowelement="comment-13849" data-respondelement="respond" data-replyto="Besvar Kjaerful" aria-label="Besvar Kjaerful">Svar</a></span> </div> 2889 </section> <!-- .ast-comment-content --> 2890 </div> </article><!-- #comment-## --> 2891 2892 <ol class="children"> 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"> 2896 <div class= 'ast-comment-info'> 2897 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2898 --> 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 sÃ¥ 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"> 2908 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-13853" data-commentid="13853" data-postid="10442" data-belowelement="comment-13853" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span> </div> 2909 </section> <!-- .ast-comment-content --> 2910 </div> </article><!-- #comment-## --> 2911 2912 </li><!-- #comment-## --> 2913</ol><!-- .children --> 2914</li><!-- #comment-## --> 2915 <li class="comment even thread-even depth-1" id="li-comment-14039"> 2916 2917 <article id="comment-14039" class="ast-comment"> 2918 <div class= 'ast-comment-info'> 2919 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2920 --> 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 sÃ¥ volatilt et marked som krypto?</p> 2926 <div class="ast-comment-edit-reply-wrap"> 2927 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-14039" data-commentid="14039" data-postid="10442" data-belowelement="comment-14039" data-respondelement="respond" data-replyto="Besvar Anders L." aria-label="Besvar Anders L.">Svar</a></span> </div> 2928 </section> <!-- .ast-comment-content --> 2929 </div> </article><!-- #comment-## --> 2930 2931 <ol class="children"> 2932 <li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-14049"> 2933 2934 <article id="comment-14049" class="ast-comment"> 2935 <div class= 'ast-comment-info'> 2936 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2937 --> 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 “opfundet”.</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 pÃ¥ mit almindelige aktiedepot. Men i slutningen af 24′ solgte jeg en del ud pÃ¥ aktiesparekontoen, her havde Strategy vokset til at fylde omkring 80% af porteføljen.</p> 2943 <div class="ast-comment-edit-reply-wrap"> 2944 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-14049" data-commentid="14049" data-postid="10442" data-belowelement="comment-14049" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span> </div> 2945 </section> <!-- .ast-comment-content --> 2946 </div> </article><!-- #comment-## --> 2947 2948 </li><!-- #comment-## --> 2949</ol><!-- .children --> 2950</li><!-- #comment-## --> 2951 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-14223"> 2952 2953 <article id="comment-14223" class="ast-comment"> 2954 <div class= 'ast-comment-info'> 2955 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo avatar-default' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2956 --> 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 --> 2958 </div> 2959 <section class="ast-comment-content comment "> 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> 2961 <div class="ast-comment-edit-reply-wrap"> 2962 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-14223" data-commentid="14223" data-postid="10442" data-belowelement="comment-14223" data-respondelement="respond" data-replyto="Besvar Anonym" aria-label="Besvar Anonym">Svar</a></span> </div> 2963 </section> <!-- .ast-comment-content --> 2964 </div> </article><!-- #comment-## --> 2965 2966 <ol class="children"> 2967 <li class="comment byuser comment-author-supersune bypostauthor odd alt depth-2" id="li-comment-14224"> 2968 2969 <article id="comment-14224" class="ast-comment"> 2970 <div class= 'ast-comment-info'> 2971 <div class='ast-comment-avatar-wrap'><img alt='' src='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=50&d=blank&r=g' srcset='https://secure.gravatar.com/avatar/f489d03000ec4119f3033a39de44e86e04ae5f9f8773a8c61cb1aff496871a31?s=100&d=blank&r=g 2x' class='avatar avatar-50 photo' height='50' width='50' loading='lazy' decoding='async'/></div><!-- Remove 1px Space 2972 --> 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> 2978 <div class="ast-comment-edit-reply-wrap"> 2979 <span class="ast-reply-link"><a rel="nofollow" class="comment-reply-link" href="#comment-14224" data-commentid="14224" data-postid="10442" data-belowelement="comment-14224" data-respondelement="respond" data-replyto="Besvar Sune Bjørn Andersen" aria-label="Besvar Sune Bjørn Andersen">Svar</a></span> </div> 2980 </section> <!-- .ast-comment-content --> 2981 </div> </article><!-- #comment-## --> 2982 2983 </li><!-- #comment-## --> 2984</ol><!-- .children --> 2985</li><!-- #comment-## --> 2986 </ol><!-- .ast-comment-list --> 2987 2988 2989 2990 2991 2992 <div id="respond" class="comment-respond"> 2993 <h3 id="reply-title" class="comment-reply-title">Smid en kommentar<small><a rel="nofollow" id="cancel-comment-reply-link" href="/simpel-investering/#respond" style="display:none;">Cancel reply</a></small></h3> <form id="commentform" class="comment-form"> 2994 <iframe 2995 title="Comment Form" 2996 src="https://jetpack.wordpress.com/jetpack-comment/?blogid=126813970&postid=10442&comment_registration=0&require_name_email=0&stc_enabled=1&stb_enabled=1&show_avatars=1&avatar_default=blank&greeting=Smid+en+kommentar&jetpack_comments_nonce=fdde99230d&greeting_reply=Leave+a+Reply+to+%25s&color_scheme=light&lang=da_DK&jetpack_version=16.3&iframe_unique_id=1&show_cookie_consent=10&has_cookie_consent=0&is_current_user_subscribed=0&token_key=%3Bnormal%3B&sig=ad9055630e703a26c51d0573c441e269f4e54136#parent=https%3A%2F%2Fwww.frinans.dk%2Fsimpel-investering%2F" 2997 name="jetpack_remote_comment" 2998 style="width:100%; height: 430px; border:0;" 2999 class="jetpack_remote_comment" 3000 id="jetpack_remote_comment" 3001 sandbox="allow-same-origin allow-top-navigation allow-scripts allow-forms allow-popups" 3002 > 3003 </iframe> 3004 <!--[if !IE]><!--> 3005 3006 <!--<![endif]--> 3007 </form> 3008 </div> 3009 3010 3011 <input type="hidden" name="comment_parent" id="comment_parent" value="" /> 3012 3013 <p class="akismet_comment_form_privacy_notice">Dette site anvender Akismet til at reducere spam. <a href="https://akismet.com/privacy/" target="_blank">Læs om hvordan din kommentar bliver behandlet</a>.</p> 3014 3015</div><!-- #comments --> 3016 3017 </main><!-- #main --> 3018 3019 3020 </div><!-- #primary --> 3021 3022 3023 </div> <!-- ast-container --> 3024 </div><!-- #content --> 3025<footer 3026class="site-footer" id="colophon" itemtype="https://schema.org/WPFooter" itemscope="itemscope" itemid="#colophon">
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