Hur månadssparar jag i fonder? | Nordnet Academy

Nordnet Sverige

4 Dec 202303:54

Summary

TLDRThis video script discusses the benefits of monthly savings in funds, emphasizing its convenience and the strategy of averaging out market fluctuations through consistent investments. It highlights the difficulty of timing the market and the advantage of avoiding common mistakes by consistently investing regardless of market conditions. The script also provides a step-by-step guide on how to start monthly savings with Nordnet, offering various options like Nordnet One, self-selected funds, and ETFs, and suggests starting with at least 100 kr to establish the habit.

Takeaways

😀 Monthly saving is convenient because most people receive their income monthly.
💼 Automatic monthly savings from your account can be a practical way to invest without the need for timing the market.
📈 The concept of 'dollar-cost averaging' is introduced, which means buying consistently over time regardless of market conditions.
🌡 By investing regularly, you average out the highs and lows of the market, potentially buying more when prices are low and less when they are high.
💰 Monthly saving can lead to profit and wealth accumulation without needing to perfectly time market peaks and troughs.
🤔 Many people make the mistake of buying high and selling low, but consistent monthly saving can help avoid this by smoothing out investment timing.
🚀 Starting with Nordnet, there are four different ways to save in funds monthly, including ready-made portfolios and self-selected funds.
🛠 Nordnet One offers pre-configured portfolios tailored to different risk levels, from conservative to aggressive.
🔍 There's an option to get help finding the right funds that match your investment profile on Nordnet.
🤑 For those who prefer to choose their own funds, Nordnet provides a 'Find funds yourself' feature for more personalized investment.
📊 Nordnet also allows for monthly saving in up to 4 ETFs without commission, with a wide selection available.
💡 It's suggested to start with at least 100 kr in monthly savings and increase as desired, emphasizing the importance of starting the habit.

Q & A

Why is monthly saving in funds considered convenient?
-Monthly saving in funds is convenient because most people receive their income monthly, making it easier to automate the process of transferring money from the account in sync with the income.
What is the advantage of automatic monthly savings from an account?
-The main advantage is that it eliminates the timing issue. It's difficult to time the market, and with automatic savings, you invest regularly without worrying about market conditions.
How does monthly saving in funds help in managing the timing of the market?
-By investing consistently each month, you buy in both high and low market conditions, which averages out your investment over time, avoiding the need to time the market perfectly.
What is the average outcome of investing through monthly savings in funds?
-The average outcome is that you end up with an investment value that is somewhere in the middle of the highs and lows of the market, which is often lower than the current fund value, leading to potential profits.
Why is it beneficial to not try to time the market with monthly savings?
-Many people make mistakes by selling when the market is low and buying when it's high. Monthly savings help avoid these mistakes by consistently investing over time, leading to better long-term results.
What are the four different ways to save in funds monthly on Nordnet?
-The four ways are: 1) Investing via Nordnet One with ready-made fund portfolios, 2) Using the 'Help me find funds' feature for guidance in choosing funds, 3) 'Find funds yourself' for those who prefer to select funds independently, and 4) 'Find ETFs yourself' to invest in up to 4 ETFs without brokerage fees.
What is Nordnet One and how does it cater to different risk preferences?
-Nordnet One offers pre-made fund portfolios tailored to different risk levels: cautious (30% stocks, 70% bonds), balanced (60% stocks, 40% bonds), and offensive (100% stock exposure).
How can someone who is not an expert in funds find suitable ones on Nordnet?
-Nordnet provides a 'Help me find funds' feature that guides and assists users in selecting the right type of funds based on their preferences and risk tolerance.
What is the significance of ETFs in the context of monthly savings on Nordnet?
-ETFs, or Exchange-Traded Funds, are investment funds that can be traded on the stock exchange. Nordnet allows for monthly savings in up to 4 ETFs without brokerage fees, offering a wide range of options for investors.
What is the recommended starting point for monthly savings in funds?
-The recommended starting point is at least 100 kr in monthly savings, with the suggestion to increase the amount as desired, emphasizing the importance of starting the savings habit.
What percentage of one's salary is typically suggested for monthly savings?
-It is commonly suggested to save 5-10% of one's salary monthly, but this can vary based on individual financial situations.

Outlines

00:00

💼 Monthly Savings in Funds

This paragraph discusses the concept of monthly savings in funds, emphasizing its convenience due to the common monthly income structure. It explains the benefits of automatic deductions from one's account, the difficulty of timing the stock market, and the strategy of averaging out investments over time, which leads to a balanced investment regardless of market highs and lows. The paragraph also touches on the common mistakes made by investors who buy high and sell low, and how consistent monthly savings can prevent such pitfalls.

Mindmap

Keywords

💡Monthly savings

Monthly savings refer to the practice of setting aside a portion of one's income on a regular monthly basis. In the video, it is presented as a convenient method of saving because most people receive their income monthly. The script emphasizes the benefits of this approach, such as the ease of automation and the avoidance of market timing issues.

💡Investment

Investment, in this context, involves putting money into financial assets like funds with the expectation of earning a return. The video discusses investment in funds as a way to grow one's savings over time, highlighting the importance of a long-term perspective.

💡Funds

Funds, specifically mutual funds or exchange-traded funds (ETFs), are pools of money collected from many investors to invest in a diversified portfolio of assets. The script explains how funds can be used for monthly savings and the different types of funds available for investment.

💡Market timing

Market timing is the strategy of attempting to predict the ups and downs of the market to buy low and sell high. The video points out the difficulty of market timing and suggests that regular monthly savings can be a more effective strategy, as it avoids the need to time the market.

💡Average cost

Average cost is the mean price paid per share over multiple purchases. The script describes how monthly savings can result in an average cost that is likely to be lower than the current value of the fund, which can lead to profits without needing to perfectly time the market.

💡Risk

Risk, in the context of investing, is the potential for loss or variability in returns. The video mentions different levels of risk associated with various types of funds, such as Nordnet One, which offers options for cautious, balanced, and aggressive investors.

💡Diversification

Diversification is the strategy of spreading investments across various financial instruments to reduce risk. The video implies diversification by discussing the composition of different funds, such as those with a mix of stocks and bonds.

💡ETFs (Exchange-Traded Funds)

ETFs are a type of fund that can be bought and sold on stock exchanges, similar to individual stocks. The script mentions that ETFs can be part of a monthly savings strategy and that there are hundreds of ETFs to choose from on Nordnet.

💡Nordnet

Nordnet is a financial services company mentioned in the script as a platform for monthly savings in funds. It offers various options for investing, such as ready-made fund portfolios and the ability to choose individual funds or ETFs.

💡Long-term perspective

A long-term perspective involves making decisions based on long-term goals rather than short-term fluctuations. The video encourages viewers to adopt a long-term perspective for their monthly savings, suggesting that this approach will yield better results than trying to time the market.

💡Starting point

The starting point refers to the initial step or amount in beginning a savings or investment plan. The script suggests starting with at least 100 kr in monthly savings and then increasing the amount as desired, emphasizing the importance of beginning the savings habit.

Highlights

Månatssparande is convenient because most people receive their income monthly, making it a natural fit for saving.

Automatic monthly savings can be set up to avoid the timing issue of the stock market.

Månatssparande helps to average out investment costs over time, buying both at high and low market prices.

Investing regularly can yield profits without the need to time the market perfectly.

Many people make mistakes by selling at the market bottom and buying at the top; monthly saving avoids this behavior.

Nordnet offers four different ways to save in funds monthly, including ready-made portfolios and self-selected funds.

Nordnet One provides pre-configured portfolios tailored to different risk appetites.

Nordnet One Försiktig has a 30% equity allocation for cautious investors.

Nordnet One Balanserad offers a 60% equity and 40% bond mix for moderate risk investors.

Nordnet One Offensiv is for aggressive investors with a 100% equity exposure.

Nordnet provides a 'Help me find funds' feature for those who want guidance in selecting their own funds.

For experienced investors, Nordnet offers the option to 'Find funds yourself' without assistance.

Nordnet allows monthly savings in up to 4 ETFs without commission.

There are hundreds of ETFs to choose from for monthly savings on Nordnet.

Nordnet Academy offers more information about ETFs for those interested in monthly savings.

A common recommendation for monthly savings is 5-10% of one's salary, but it varies based on individual financial situations.

The speaker suggests starting with at least 100 kr in monthly savings and increasing the amount as desired.

The importance of starting the habit of monthly saving is emphasized over the exact amount saved.

Instructions are provided to start monthly savings through Nordnet's website or app.