https://fintechenigmaweb.onrender.com/docs/Investeringsfilosofi

1<!doctype html>
2<html lang="en" dir="ltr" class="docs-wrapper docs-doc-page docs-version-current plugin-docs plugin-id-default docs-doc-id-Investeringsfilosofi">
3<head>
4<meta charset="UTF-8">
5<meta name="generator" content="Docusaurus v2.1.0">
6<title data-rh="true">Investeringsfilosofi | Fintech Enigma</title><meta data-rh="true" name="viewport" content="width=device-width,initial-scale=1"><meta data-rh="true" name="twitter:card" content="summary_large_image"><meta data-rh="true" property="og:url" content="https://fintechenigmaweb.onrender.com/docs/Investeringsfilosofi"><meta data-rh="true" name="docusaurus_locale" content="en"><meta data-rh="true" name="docsearch:language" content="en"><meta data-rh="true" name="docusaurus_version" content="current"><meta data-rh="true" name="docusaurus_tag" content="docs-default-current"><meta data-rh="true" name="docsearch:version" content="current"><meta data-rh="true" name="docsearch:docusaurus_tag" content="docs-default-current"><meta data-rh="true" property="og:title" content="Investeringsfilosofi | Fintech Enigma"><meta data-rh="true" name="description" content="Fintech Enigmas oppgave er å forvalte Enigmas (linjeforeningen for ITØK-studentene) sine sparepenger."><meta data-rh="true" property="og:description" content="Fintech Enigmas oppgave er å forvalte Enigmas (linjeforeningen for ITØK-studentene) sine sparepenger."><link data-rh="true" rel="icon" href="/img/FE.svg"><link data-rh="true" rel="canonical" href="https://fintechenigmaweb.onrender.com/docs/Investeringsfilosofi"><link data-rh="true" rel="alternate" href="https://fintechenigmaweb.onrender.com/docs/Investeringsfilosofi" hreflang="en"><link data-rh="true" rel="alternate" href="https://fintechenigmaweb.onrender.com/docs/Investeringsfilosofi" hreflang="x-default"><link rel="alternate" type="application/rss+xml" href="/blog/rss.xml" title="Fintech Enigma RSS Feed">
7<link rel="alternate" type="application/atom+xml" href="/blog/atom.xml" title="Fintech Enigma Atom Feed"><link rel="stylesheet" href="/assets/css/styles.13b97a52.css">
8<link rel="preload" href="/assets/js/runtime~main.8884be74.js" as="script">
9<link rel="preload" href="/assets/js/main.8dbcdd84.js" as="script">
10</head>
11<body class="navigation-with-keyboard">

12<script>!function(){function t(t){document.documentElement.setAttribute("data-theme",t)}var e=function(){var t=null;try{t=localStorage.getItem("theme")}catch(t){}return t}();t(null!==e?e:"light")}()</script>

12<div id="__docusaurus">
13<div role="region" aria-label="theme.common.skipToMainContent"><a href="#" class="skipToContent_fXgn">Skip to main content</a></div><nav class="navbar navbar--fixed-top"><div class="navbar__inner"><div class="navbar__items"><button aria-label="Navigation bar toggle" class="navbar__toggle clean-btn" type="button" tabindex="0"><svg width="30" height="30" viewBox="0 0 30 30" aria-hidden="true"><path stroke="currentColor" stroke-linecap="round" stroke-miterlimit="10" stroke-width="2" d="M4 7h22M4 15h22M4 23h22"></path></svg></button><a class="navbar__brand" href="/"><div class="navbar__logo"><img src="/img/FE.svg" alt="FE Dark Logo" class="themedImage_ToTc themedImage--light_HNdA"><img src="/img/FEdark.svg" alt="FE Dark Logo" class="themedImage_ToTc themedImage--dark_i4oU"></div><b class="navbar__title text--truncate">Hjem</b></a><a aria-current="page" class="navbar__item navbar__link navbar__link--active" href="/docs/Om Fintech Enigma">Om Fintech Enigma</a><a aria-current="page" class="navbar__item navbar__link navbar__link--active" href="/docs/Investeringsfilosofi">Investeringsfilosofi</a><a class="navbar__item navbar__link" href="/blog">Blogg</a><a class="navbar__item navbar__link" href="/docs/Rapporter">Rapporter</a></div><div class="navbar__items navbar__items--right"><a href="https://github.com/fintech-enigma" target="_blank" rel="noopener noreferrer" class="navbar__item navbar__link">GitHub<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a><div class="toggle_vylO colorModeToggle_DEke"><button class="clean-btn toggleButton_gllP toggleButtonDisabled_aARS" type="button" disabled="" title="Switch between dark and light mode (currently light mode)" aria-label="Switch between dark and light mode (currently light mode)"><svg viewBox="0 0 24 24" width="24" height="24" class="lightToggleIcon_pyhR"><path fill="currentColor" d="M12,9c1.65,0,3,1.35,3,3s-1.35,3-3,3s-3-1.35-3-3S10.35,9,12,9 M12,7c-2.76,0-5,2.24-5,5s2.24,5,5,5s5-2.24,5-5 S14.76,7,12,7L12,7z M2,13l2,0c0.55,0,1-0.45,1-1s-0.45-1-1-1l-2,0c-0.55,0-1,0.45-1,1S1.45,13,2,13z M20,13l2,0c0.55,0,1-0.45,1-1 s-0.45-1-1-1l-2,0c-0.55,0-1,0.45-1,1S19.45,13,20,13z M11,2v2c0,0.55,0.45,1,1,1s1-0.45,1-1V2c0-0.55-0.45-1-1-1S11,1.45,11,2z M11,20v2c0,0.55,0.45,1,1,1s1-0.45,1-1v-2c0-0.55-0.45-1-1-1C11.45,19,11,19.45,11,20z M5.99,4.58c-0.39-0.39-1.03-0.39-1.41,0 c-0.39,0.39-0.39,1.03,0,1.41l1.06,1.06c0.39,0.39,1.03,0.39,1.41,0s0.39-1.03,0-1.41L5.99,4.58z M18.36,16.95 c-0.39-0.39-1.03-0.39-1.41,0c-0.39,0.39-0.39,1.03,0,1.41l1.06,1.06c0.39,0.39,1.03,0.39,1.41,0c0.39-0.39,0.39-1.03,0-1.41 L18.36,16.95z M19.42,5.99c0.39-0.39,0.39-1.03,0-1.41c-0.39-0.39-1.03-0.39-1.41,0l-1.06,1.06c-0.39,0.39-0.39,1.03,0,1.41 s1.03,0.39,1.41,0L19.42,5.99z M7.05,18.36c0.39-0.39,0.39-1.03,0-1.41c-0.39-0.39-1.03-0.39-1.41,0l-1.06,1.06 c-0.39,0.39-0.39,1.03,0,1.41s1.03,0.39,1.41,0L7.05,18.36z"></path></svg><svg viewBox="0 0 24 24" width="24" height="24" class="darkToggleIcon_wfgR"><path fill="currentColor" d="M9.37,5.51C9.19,6.15,9.1,6.82,9.1,7.5c0,4.08,3.32,7.4,7.4,7.4c0.68,0,1.35-0.09,1.99-0.27C17.45,17.19,14.93,19,12,19 c-3.86,0-7-3.14-7-7C5,9.07,6.81,6.55,9.37,5.51z M12,3c-4.97,0-9,4.03-9,9s4.03,9,9,9s9-4.03,9-9c0-0.46-0.04-0.92-0.1-1.36 c-0.98,1.37-2.58,2.26-4.4,2.26c-2.98,0-5.4-2.42-5.4-5.4c0-1.81,0.89-3.42,2.26-4.4C12.92,3.04,12.46,3,12,3L12,3z"></path></svg></button></div><div class="searchBox_ZlJk"></div></div></div><div role="presentation" class="navbar-sidebar__backdrop"></div></nav><div class="main-wrapper mainWrapper_z2l0 docsWrapper_BCFX"><button aria-label="Scroll back to top" class="clean-btn theme-back-to-top-button backToTopButton_sjWU" type="button"></button><div class="docPage__5DB"><aside class="theme-doc-sidebar-container docSidebarContainer_b6E3"><div class="sidebar_njMd"><nav class="menu thin-scrollbar menu_SIkG"><ul class="theme-doc-sidebar-menu menu__list"><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret menu__link--active" aria-expanded="true" href="/docs/Om Fintech Enigma">Om Fintech Enigma</a></div><ul style="display:block;overflow:visible;height:auto" class="menu__list"><li class="theme-doc-sidebar-item-link theme-doc-sidebar-item-link-level-2 menu__list-item"><a class="menu__link" tabindex="0" href="/docs/Om Fintech Enigma">Om Fintech Enigma</a></li><li class="theme-doc-sidebar-item-link theme-doc-sidebar-item-link-level-2 menu__list-item"><a class="menu__link menu__link--active" aria-current="page" tabindex="0" href="/docs/Investeringsfilosofi">Investeringsfilosofi</a></li></ul></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/Portefoljeoversikt/Tradingalgoritmer">Porteføljeoversikt</a></div></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/Rapporter">Aksjeanalyser</a></div></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/Bli_med_i_Fintech">For Studenter</a></div></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/Styret 2025 202

136">Hovedstyret</a></div></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/Medlemmer 25 26">Medlemmer</a></div></li><li class="theme-doc-sidebar-item-category theme-doc-sidebar-item-category-level-1 menu__list-item menu__list-item--collapsed"><div class="menu__list-item-collapsible"><a class="menu__link menu__link--sublist menu__link--sublist-caret" aria-expanded="false" href="/docs/bedriftspresentasjon">For Bedrifter</a></div></li></ul></nav></div></aside><main class="docMainContainer_gTbr"><div class="container padding-top--md padding-bottom--lg"><div class="row"><div class="col docItemCol_VOVn"><div class="docItemContainer_Djhp"><article><nav class="theme-doc-breadcrumbs breadcrumbsContainer_Z_bl" aria-label="Breadcrumbs"><ul class="breadcrumbs" itemscope="" itemtype="https://schema.org/BreadcrumbList"><li class="breadcrumbs__item"><a aria-label="Home page" class="breadcrumbs__link" href="/"><svg viewBox="0 0 24 24" class="breadcrumbHomeIcon_OVgt"><path d="M10 19v-5h4v5c0 .55.45 1 1 1h3c.55 0 1-.45 1-1v-7h1.7c.46 0 .68-.57.33-.87L12.67 3.6c-.38-.34-.96-.34-1.34 0l-8.36 7.53c-.34.3-.13.87.33.87H5v7c0 .55.45 1 1 1h3c.55 0 1-.45 1-1z" fill="currentColor"></path></svg></a></li><li class="breadcrumbs__item"><span class="breadcrumbs__link">Om Fintech Enigma</span><meta itemprop="position" content="1"></li><li itemscope="" itemprop="itemListElement" itemtype="https://schema.org/ListItem" class="breadcrumbs__item breadcrumbs__item--active"><span class="breadcrumbs__link" itemprop="name">Investeringsfilosofi</span><meta itemprop="position" content="2"></li></ul></nav><div class="theme-doc-markdown markdown"><h1>Investeringsfilosofi</h1><p>Fintech Enigmas oppgave er å forvalte Enigmas (linjeforeningen for ITØK-studentene) sine sparepenger.
14Vår visjon er å skape stabil og trygg avkastning for Enigma sine sparepenger ved langsiktige
15investeringer. Vår målsetning er å slå indeksen ved Oslo Børs.</p><p>Fintech Enigmas investeringsstrategi er å finne selskaper som vi mener har en antatt høyere
16fundamental verdi enn den nåværende markedsverdien til selskapet. Altså hvor hele potensialet
17til selskapet ikke reflekteres i aksjekursen. Ved å gå gjennom årsrapporter, regnskap, nøkkeltall
18og børsmeldinger/nyheter kan man gjøre interne verdsettinger av selskaper. Her er vi ute etter å finne selskaper
19med god finansiell stabilitet. Vekst i inntjening, god likviditet og relativt lavt gjeldsnivå er
20noen av de viktigste faktorene vi ser etter.</p><p>Strategi og analyse av selve virksomheten spiller også inn i vår investeringsstrategi. Er bedriften
21bærekraftig? Har de noen konkurransefordeler, og hvordan er deres markedsposisjon i bransjen? Hvordan
22er R&amp;D i selskapet? Hvordan styres selskapet, hvem er i ledelsen? Risikoer knyttet opp mot selskapetets
23virksomhet? Hvordan utnytter selskapet teknologi i deres virksomhet? Dette er noen av spørsmålene vi
24stiller oss knyttet opp imot våre selskapsanalyser.</p><p>Vi vurderer markedet kontinuerlig i ett makroøkonomisk perspektiv. Dette påvirker vår
25investeringsstrategi med tanke på eksponering av aksjer mot obligasjoner. Det
26påvirker også hvilke sektorer og bransjer vi går inn i.</p><p>Selskapene vi kjøper skal holdes på lang sikt. Vi er helt nøytrale ovenfor selskapene, og ser utsiktene til ett selskap dårlig ut/vi
27har endret mening om selskapet, så selger vi oss ut uansett hva avkastningen står i. Om hele markedet derimot
28går dårlig, så betyr ikke det nødvendigvis at vi selger oss ut av enkeltselskaper. </p><p>Porteføljen skal være diversifisert med balansert risiko, og vi kommer til å sikte oss inn mot å ha ca
2910 selskaper i porteføljen. Vi prøver hovedsakelig å unngå selskaper med høy risiko. Særlig de
30som avhenger av høy framtidig inntjening og kanskje kun satser på ett enkeltprodukt. Samtidig for å
31holde porteføljen variert, kan den fra tid til annen inneholde 1-2 selskaper som har høyere risiko enn resten.
32Spesielt hvis det er gode makroøkonomiske utsikter.</p></div></article><nav class="pagination-nav docusaurus-mt-lg" aria-label="Docs pages navigation"><a class="pagination-nav__link pagination-nav__link--prev" href="/docs/Om Fintech Enigma"><div class="pagination-nav__sublabel">Previous</div><div class="pagination-nav__label">Om Fintech Enigma</div></a><a class="pagination-nav__link pagination-nav__link--next" href="/docs/Portefoljeoversikt/Tradingalgoritmer"><div class="pagination-nav__sublabel">Next</div><div class="pagination-nav__label">Fintech Enigma Tradingalgoritmer</div></a></nav></div></div></div></div></main></div></div><footer class="footer footer--dark"><div class="container container-fluid"><div class="row footer__links">

32<div class="col footer__col"><div class="footer__title"></div><ul class="footer__items clean-list"><li class="footer__item"><a href="https://www.instagram.com/enigma.uib/" target="_blank"><img src="/img/Enigma_hoved.png" style="width: auto; height: 10rem;"></a></li><li class="footer__item">Underordnet linjeforeningen <a href="https://enigma-web.onrender.com/" style="color: #06ADF4;" target="_blank">Enigma</a></li></ul></div><div class="col footer__col"><div class="footer__title">Finn oss</div><ul class="footer__items clean-list"><li class="footer__item"><a href="https://www.instagram.com/fintechenigma.uib/" target="_blank" rel="noopener noreferrer" class="footer__link-item">Instagram<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a></li><li class="footer__item"><a href="https://www.linkedin.com/company/fintech-enigma/" target="_blank" rel="noopener noreferrer" class="footer__link-item">LinkedIn<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a></li><li class="footer__item"><a href="https://github.com/fintech-enigma" target="_blank" rel="noopener noreferrer" class="footer__link-item">GitHub<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a></li><li class="footer__item"><a href="https://goo.gl/maps/L6EmoWn5wHDZ9dj96" target="_blank" rel="noopener noreferrer" class="footer__link-item">Fosswinckels gate 14, 5007 Bergen<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a></li><li class="footer__item"><br>
33                  <strong>Kontakt oss</strong>
34                </li><li class="footer__item"><a href="mailto: [email protected]" target="_blank" rel="noopener noreferrer" class="footer__link-item">Epost<svg width="13.5" height="13.5" aria-hidden="true" viewBox="0 0 24 24" class="iconExternalLink_nPIU"><path fill="currentColor" d="M21 13v10h-21v-19h12v2h-10v15h17v-8h2zm3-12h-10.988l4.035 4-6.977 7.07 2.828 2.828 6.977-7.07 4.125 4.172v-11z"></path></svg></a></li><li class="footer__item"><a class="footer__link-item" href="/docs/Kontakt_oss">Kontaktsjema</a></li></ul></div><div class="col footer__col"><div class="footer__title">Partnere</div><ul class="footer__items clean-list"><li class="footer__item">
35                  <a href="https://stacc.com" target="_blank"><img src="/img/stacc_logo_red-white.png" style="width: auto; height: 4rem;"></a>
36                 </li></ul></div></div><div class="footer__bottom text--center"><div class="footer__copyright">Copyright © 2026 Fintech Enigma. Built with Docusaurus.</div></div></div></footer></div>

37<script src="/assets/js/runtime~main.8884be74.js"></script>

37

38<script src="/assets/js/main.8dbcdd84.js"></script>

38
39</body>
40</html>