Vad är en fond? | Nordnet Academy

Nordnet Sverige

27 Nov 202311:47

Summary

TLDRThe video explains the basics of investment funds, including what they are, their benefits, and how to build a diversified portfolio. It covers different types of funds such as equity funds, bond funds, and mixed funds, and emphasizes the importance of risk management, cost consideration, and diversification across sectors and geographies. The video also highlights the advantages of monthly saving plans and provides guidance on how to start investing through Nordnet, offering various options for beginners and experienced investors alike.

Takeaways

💡 A fund is an investment that pools money from many investors to buy a diversified portfolio of stocks, bonds, or other securities.
📈 Equity funds can be actively managed by a fund manager or passively managed as index funds.
🔍 Index funds track a specific market index and typically have lower fees compared to actively managed funds.
📉 Bond funds, or fixed-income funds, invest in bonds and provide returns through interest payments.
🔄 Mixed funds (or balanced funds) combine stocks and bonds to offer a diversified investment approach.
💸 It's crucial to diversify investments across different assets to mitigate risks, such as company-specific risks or sector-specific risks.
🌍 Investing in global funds helps spread risk across various countries and markets.
💲 Monthly saving in funds helps average out the purchase cost over time, reducing the risk of market timing.
🧐 When choosing a fund, consider factors such as risk level, fees, and the fund's holdings.
📱 You can start investing in funds through platforms like Nordnet, which offer various tools and pre-made portfolios to help you get started.

Q & A

What is a fund in the context of the script?
-A fund, as discussed in the script, is a pool of money collected from investors to be invested in various financial instruments such as stocks, bonds, or other assets. It is managed by a fund manager or, in the case of index funds, by following a set of predefined criteria.
What are the benefits of investing in a fund rather than individual stocks?
-Investing in a fund offers diversification, which reduces the risk of putting all your money into a single stock. It also provides the advantage of professional management, where a fund manager selects the stocks based on research and expertise, or in the case of index funds, a computer algorithm selects stocks based on set criteria.
What is the difference between actively and passively managed funds?
-Actively managed funds are overseen by a fund manager who makes decisions on which securities to buy or sell based on research and market analysis. Passively managed funds, also known as index funds, follow a specific index and invest in the securities that are part of that index without the need for active management.
What are bond funds and how do they work?
-Bond funds are a type of fund that invests in bonds, which are essentially loans made to companies or governments. Investors in bond funds receive interest payments, and the funds provide diversification by investing in multiple bonds, reducing the risk associated with investing in a single bond.
What is a mixed fund and how does it differ from other funds?
-A mixed fund, also known as a balanced fund, invests in a combination of stocks and bonds. The allocation can vary, but the idea is to provide both growth potential from stocks and income stability from bonds, offering a balance between risk and return.
Why are index funds often associated with lower fees compared to actively managed funds?
-Index funds typically have lower fees because they require less management. Since they are following a specific index, there is no need for active research or trading, which reduces the operational costs and, consequently, the fees charged to investors.
How can investors benefit from diversification across different geographical regions or sectors?
-Diversification across different geographical regions or sectors helps to spread risk. If one region or sector is performing poorly, it may be offset by another region or sector that is doing well, thus reducing the overall impact on the investment.
What is the significance of a fund's expense ratio and how does it affect long-term investments?
-The expense ratio represents the annual fees charged by the fund to cover its operating expenses. Even small differences in the expense ratio can accumulate to significant amounts over the long term, affecting the overall return on investment.
What is the concept of 'monthly saving' or 'monthly investing' mentioned in the script?
-Monthly saving, or dollar-cost averaging, is a strategy where a fixed amount is invested in a fund at regular intervals, regardless of the fund's price. This approach can reduce the risk of market timing and average out the purchase price over time.
How can investors get started with monthly saving through Nordnet as mentioned in the script?
-Investors can start monthly saving through Nordnet by becoming a customer, navigating to 'My Pages', and selecting the 'Monthly Save' tab. There, they can choose from pre-made fund portfolios like Nordnet One or use the 'Help me find funds' feature to select individual funds that suit their investment goals.
What is a hedge fund and why is it not the main focus of the script?
-A hedge fund is an investment fund that aims to generate absolute returns by employing various strategies, often with less regulation and more risk. It is not the main focus of the script because the script is aimed at explaining more common types of funds that are accessible to a broader audience and are more straightforward in terms of investment strategy and risk.

Outlines

00:00

💼 Introduction to Funds and Diversification

This paragraph introduces the concept of a fund, explaining its benefits and how it can be used to build a diversified portfolio. It discusses stock funds, including actively and passively managed funds, index funds, bond funds, and mixed funds. The paragraph also touches on hedge funds, which are not the focus but are mentioned for awareness. The main idea is to illustrate the risk mitigation of investing in multiple stocks or bonds through funds, managed either by professionals or by following set criteria in the case of index funds. It also contrasts the simplicity of investing in a fund versus managing individual stocks and the potential risks involved with the latter.

05:02

🌐 Diversification Strategies and the Importance of Asset Allocation

The second paragraph delves into the importance of diversification across different geographies and sectors to manage risk. It explains the concept of investing in global funds, European funds, and growth market funds to achieve a spread that can compensate for poor performance in one area with strong performance in another. The paragraph emphasizes the need to look beyond just geography and consider sector diversification as well, suggesting that a mix of funds can provide a balanced portfolio. It also introduces the idea of monthly savings as a way to reduce risk by averaging out the purchase price over time.

10:03

📱 Starting Monthly Savings and Choosing the Right Funds

The final paragraph provides a step-by-step guide on how to start monthly savings through Nordnet, either by choosing ready-made portfolios like Nordnet One, which are tailored to different risk levels, or by selecting individual funds with guidance. It outlines the process of accessing the monthly savings feature, choosing a strategy, and initiating the savings plan, which can be done through the website or the app. The paragraph concludes by summarizing the benefits of funds, the advantages of monthly savings, and encouraging the viewer to start their investment journey.

Mindmap

Keywords

💡Fund

A fund is a pool of money collected from investors and invested in various financial assets such as stocks, bonds, or commodities. In the context of the video, funds are used to diversify investment and reduce risk by pooling resources and spreading them across different assets. The script mentions 'aktiefonder' (stock funds) and 'räntefonder' (bond funds) as examples of funds, which are ways to invest in multiple companies or bonds without managing each investment individually.

💡Active Management

Active management refers to the strategy where a fund manager actively makes investment decisions with the aim of outperforming a benchmark index. The video script discusses 'aktivt förvaltade' funds, which are actively managed by a fund manager who selects stocks based on their research and belief in the companies' potential, as opposed to passively managed funds.

💡Passive Management

Passive management is an investment strategy where a fund aims to replicate the performance of a specific index, rather than trying to outperform it. The script introduces 'indexfonder' (index funds) as a type of passively managed fund that invests according to preset criteria, such as including the most traded companies on a stock exchange.

💡Diversification

Diversification is the practice of spreading investments across various financial instruments, industries, and other categories to reduce risk. The video emphasizes the importance of diversification by explaining that investing in a fund, rather than a single stock, provides this benefit. It also mentions the advantages of having a mix of different types of funds to diversify across geographies and sectors.

💡Risk

Risk, in an investment context, is the potential for loss or variability of returns. The script explains that funds can have different levels of risk, indicated by a scale from 1 to 7 'pluppar' (bubbles), with 1 being the lowest risk and 7 being the highest. It's crucial for investors to understand the risk level of a fund when making investment decisions.

💡Expense Ratio

The expense ratio is the annual fee that all funds charge their shareholders to cover the costs of managing the fund. The video script points out that even small differences in expense ratios can amount to significant sums over time, especially for long-term investments. It also explains how these fees are deducted daily, not in a lump sum.

💡Bond

A bond is a debt security, similar to an IOU, through which an investor loans money to an entity (corporate or governmental) in exchange for interest payments plus the return of principal at maturity. The script discusses 'obligationer' (bonds) within the context of bond funds, which allow investors to earn interest by lending to companies or governments.

💡

💡Hedge Funds

Hedge funds are a type of investment fund that aims to generate absolute returns by employing various strategies to protect the value of the fund from market fluctuations. The script briefly mentions 'hedgefonder' as an investment option with 'friare tyglar' (looser reins) and a broader mandate compared to other funds discussed in the video.

💡Mixed Funds

Mixed funds, or 'blandfonder' in the script, are investment funds that hold a mix of different types of assets, such as stocks and bonds. They offer investors the flexibility to invest in both equity and fixed-income securities within a single fund, as mentioned in the video, providing a balance between growth and income.

💡Global Fund

A global fund is an investment fund that invests in a wide range of markets and companies around the world. The script explains that while global funds offer diversification, they often have a heavy concentration in the United States and may not include certain growth markets like China or India, which requires additional consideration for truly global diversification.

💡Sector Funds

Sector funds are specialized investment funds that focus on a specific industry or sector of the economy, such as technology or pharmaceuticals. The video script suggests that investors might want to add sector-specific funds to their portfolio to increase exposure to industries they believe in, providing an opportunity for targeted investment alongside broader diversification.

💡Monthly Savings Plan

A monthly savings plan, or 'månadssparande' in the script, is an investment strategy where a fixed amount is invested in a fund at regular intervals, typically monthly. This method helps to reduce the impact of market volatility by averaging out the purchase price of the investment over time, as illustrated by the script with the example of buying at different fund prices throughout the months.

Highlights

A fund is a financial investment vehicle that pools money from multiple investors to invest in various assets like stocks, bonds, or other securities.

Funds can be actively or passively managed, with index funds being a type of passive fund that tracks a specific market index.

Diversification is a key benefit of investing in funds, as it reduces the risk associated with investing in a single stock or asset.

Actively managed funds are chosen by a fund manager who believes they are the best investments based on research and industry knowledge.

Index funds invest according to set criteria, such as the most traded companies on a stock exchange or the largest companies on another exchange.

Index funds often have lower fees compared to actively managed funds due to their automated nature.

Investors can earn money from a stock fund by benefiting from the increase in value of the stocks within the fund.

Bond funds, also known as fixed-income funds, invest in bonds, providing investors with interest income.

Bonds are essentially loans to companies or governments, and investors receive interest as compensation for the loan.

Diversification in a bond fund is beneficial as it mitigates the risk of poor performance by a single bond.

Mixed funds, or balanced funds, contain a mix of both stocks and bonds, providing a diversified investment approach.

When choosing a fund, it's important to consider the risk level, which is often represented by a scale of 1 to 7.

Fees associated with funds can significantly impact long-term investment returns, even if they seem small.

Fees are typically deducted daily, not in a lump sum, and can accumulate to substantial amounts over time.

Investors should consider the holdings of a fund to understand what they are actually investing in, such as a technology fund with significant holdings in companies like Apple and Microsoft.

Global diversification is important to mitigate the risk of investing in a single country or region; global funds often have a heavy focus on the US market.

Investors can further diversify their portfolio by including funds that focus on growth markets or specific regions like Europe.

Sector diversification within a global or regional fund can be achieved by adding sector-specific funds, such as a technology or pharmaceutical fund.

Monthly savings plans, or 'Månadsspar' in Swedish, allow investors to save a fixed amount each month, reducing the risk of market timing and providing a cost-effective investment strategy.

Nordnet offers a range of ready-made fund portfolios like Nordnet One, tailored to different risk profiles, or tools to help investors select their own funds.

The process of starting a monthly savings plan can be done through Nordnet's website or app, providing convenience and accessibility for investors.