Hur många fonder ska man ha? | Nordnet Academy
Summary
TLDRThe video script discusses the importance of diversification in investment portfolios, suggesting that having a single global fund can be sufficient but cautioning against investing solely in one sector or country to avoid high risk. It recommends building a portfolio with a mix of global, regional, and sector-specific funds, including growth markets and specialized sectors like pharmaceuticals or technology. The script also touches on the role of bond funds in reducing risk and balancing returns, and mentions ready-made portfolio options like Nordnet's One Offensiv and balanced funds for those who prefer not to build their own.
Takeaways
- 🌏 Having a single global fund can be sufficient for an investment portfolio, as it provides exposure to a variety of markets, primarily the US.
- ⚠️ Avoid investing solely in a single country or industry-specific fund to prevent significant losses if that market faces issues.
- 📈 Diversification is key; it's beneficial to spread investments geographically and across different sectors to mitigate risk.
- 🌐 Starting with a global fund as a base, you can complement it with additional funds focused on Europe, Sweden, and emerging markets.
- 💊 Specialty funds, such as those focused on the pharmaceutical or technology sectors, can be selectively added to a portfolio based on belief in those industries.
- 📉 Including bond funds in a portfolio can reduce risk, as they tend to perform well even during tough times in the stock market.
- 📊 While bond funds lower risk, they may also result in lower returns over time compared to stocks, which are generally better long-term assets.
- 🔍 For long-term investors willing to take on more risk, a 100% exposure to stocks might be suitable, with diversification across regions and potentially a specialty fund.
- 💼 For those who do not wish to build their own portfolio, ready-made fund portfolios like Nordnet One Offensiv offer exposure to various funds across geographies.
- 📊 Nordnet One offers different levels of risk and exposure to stocks and bonds, such as the Nordnet One Balanserad with 60% stocks and 40% bonds, and Nordnet One Försiktig with 30% stocks and 70% bonds.
- 📚 The number of funds one should have depends on individual goals and risk tolerance, and further information can be found on Nordnet Academy.
Q & A
What is the minimum number of funds one should have according to the script?
-The script suggests that one can have as few as one fund, specifically a global fund, which provides exposure to various markets around the world.
What are the potential risks of investing in a single sector fund, such as an energy sector fund?
-Investing in a single sector fund can be risky because if the sector faces challenges, such as a downturn in the energy market, the entire investment could be negatively impacted due to lack of diversification.
Why is it important to have a geographical spread in a fund portfolio?
-A geographical spread is important for risk diversification. If an investor's portfolio is heavily concentrated in one region, such as India, and there are problems in that region, the investor could face significant losses.
What is the role of growth markets in a diversified fund portfolio?
-Growth markets, such as emerging economies, can be added to a portfolio to provide exposure to high-growth potential areas that may not be included in global or regional funds.
What are 'spike funds' and how can they be used in a portfolio?
-Spike funds are specialized funds that focus on a particular industry or sector, such as pharmaceuticals or technology. They can be used to take a position in sectors that an investor believes in, adding a targeted component to the portfolio.
How can bond funds be utilized in a fund portfolio to manage risk?
-Bond funds can be included in a portfolio to reduce risk. They provide a form of protection because they tend to perform well even during tough times in the stock market, thus balancing the overall portfolio performance.
What is the trade-off of including bond funds in a portfolio for long-term investment?
-While bond funds reduce risk, they may also result in lower returns over time compared to stocks, which historically have provided better returns over the long term.
What does the script suggest for investors who are willing to take on more risk for long-term gains?
-For investors who are prepared to take on more risk for long-term gains, the script suggests being 100% exposed to stocks and diversifying across regions, possibly with the addition of a spike fund.
Can someone invest in a ready-made fund portfolio instead of building their own?
-Yes, investors can opt for ready-made fund portfolios, such as Nordnet One Offensiv, which provides exposure to various funds across different geographies and sectors.
What are the annual fees associated with the index funds mentioned in the script?
-The script mentions that the annual fee for the index funds is 0.34%.
How can an investor balance their portfolio to include both stocks and bonds while reducing risk?
-Investors can choose balanced ready-made portfolios like Nordnet One Balanserad, which has a 60% stock and 40% bond allocation, or Nordnet One Försiktig, with 30% stocks and 70% bonds.
Outlines
💼 Diversification in Investment Portfolios
This paragraph discusses the importance of having a diversified investment portfolio. It suggests that one global fund can be sufficient as it offers exposure to a variety of markets, predominantly the US. However, it warns against the risk of investing in a single sector or a single geographic region, such as an India-specific fund, which could lead to significant losses if there are problems in that area. The speaker advocates for spreading risk across different geographies and sectors, possibly by building a portfolio of funds. They also mention the option of adding growth markets, which are not typically included in global, European, or Swedish funds, to achieve further diversification. The paragraph concludes by suggesting that one can choose to invest in specialized funds based on their belief in certain industries, such as pharmaceuticals or technology, or even in bond funds to reduce risk and provide protection during tough times in the stock market.
Mindmap
Keywords
💡Global Fund
💡Risk Diversification
💡Sector Funds
💡Growth Markets
💡Specialty Funds
💡Interest Rate Funds
💡Portfolio Construction
💡Asset Allocation
💡Ready-Made Portfolios
💡Index Funds
💡Risk Tolerance
Highlights
One global fund can be sufficient for an investment portfolio.
A global fund provides exposure to various regions, predominantly the USA.
The importance of being cautious when choosing a single fund to invest in.
Risk of significant loss if investing in a single sector or country-specific fund.
The need for geographical and sector diversification in a fund portfolio.
Building a fund portfolio with more than one fund for better diversification.
Starting with a global fund as the base for a diversified portfolio.
Complementing a global fund with European and Swedish funds for regional diversification.
Including growth markets in the portfolio to complement the absence in global funds.
The option to add specialized funds based on industry belief, such as pharmaceutical or technology funds.
The potential to invest in interest rate funds to reduce risk in a fund portfolio.
Interest rate funds provide protection during tough times in the stock market.
The trade-off between risk reduction and potentially lower returns when including interest rate funds.
For long-term investment and higher risk tolerance, being 100% exposed to stocks can be suitable.
Diversifying with regions and adding specialized funds for a well-balanced portfolio.
The availability of pre-built fund portfolios like Nordnet One Offensiv for investors.
Nordnet One Offensiv offers exposure to multiple funds across various geographies at a low cost.
Options for reducing risk by including interest rate funds in pre-built portfolios like Nordnet One Balanserad and Försiktig.
The importance of having a fund portfolio that matches an investor's risk tolerance.
Further information on stocks, funds, and more is available on Nordnet Academy.
Transcripts
Hur många fonder ska man ha?
Jättebra fråga.
Och svaret kan vara en.
Till exempel en globalfond.
Här får man lite från hela världen
även om majoriteten är placerad i USA.
Men en globalfond kan absolut räcka,
som den enda fond man har.
Vad ska man inte välja om man
ska välja en fond?
Ja men då ska man vara försiktig.
Till exempel, har man en indienfond
och investerar bara i den,
ja om det blir problem i Indien
då riskerar man att förlora sina pengar
i allt större grad för att man har ingen
riskspridning geografiskt.
Eller att man investerar mot en bransch,
till exempel energibranschen.
Blir det tufft för energiaktier
och man har allt investerat i
en och samma energifond.
Då blir det tufft för den fonden
ifall energipriser går ner
och man förlorar pengar
för man ha allt i en enda sektor.
Så det vi vill ha är en spridning
i dels geografi
och i branscher.
Och därför så kan man bygga
en portfölj av fonder
och faktiskt ha fler än en.
Till exempel här
så kan man börja med en globalfond,
det vi hade som bas.
Ja, USA är ganska tungt i den
men vi kommer komplettera den.
Därefter så kan man ha andra fonder,
till exempel lite Europa, lite Sverige
och det här rosa är tillväxtmarknader.
Det kan vara bra att lägga till
tillväxtmarknader för att
i globalfonden finns inga tillväxtmarknader.
I europa- och sverigefonder
finns inte heller tillväxtmarknader,
så det kan vara bra att addera den
för att få spridning mot till exempel
Kina och Indien också.
Sen har vi till exempel spetsfonder.
Och här kan vi faktiskt ta
kanske inte hela portföljen
men en liten del av portföljen mot
till exempel att man tror på
läkemedelsbranschen
att man köper en läkemedelsfond.
Eller man tror på ny teknik
och köper en teknikfond.
Ni fattar.
Man kan välja och vraka hur man vill.
Man kan också välja någonting helt annat.
Alla de vi pratat om hittills
är ju exponerade mot aktier.
Man kan investera mot till exempel räntor.
Och just att stoppa in lite räntefonder
i en fondportfölj brukar sänka risken
för att då är det inte bara
hur börserna går runtom i världen
som påverkar portföljutvecklingen,
utan då får man också ett skydd av
att räntor brukar gå bra även
när det är tuffare tider på börsen.
Men värt att tänka på
om man har räntefonder
i en sån här fondportfölj
är att man får ner risken,
så det kan vara bra om man ute efter det,
men ofta så blir det
sämre avkastning över tid
för att aktier bara är
ett bättre tillgångsslag än räntor
när vi pratar långa tidscykler.
Så vill man ha någonting långsiktigt
och är beredd att ta mer risk,
då kan det passa att vara
100% exponerad mot aktier.
Och så kan man välja att diversifiera sig
istället med regioner,
och kanske krydda med en spetsfond.
Och på det här sättet kan man bygga upp
en fondportfölj som har bra riskspridning
och väldigt bra riskjusterad avkastning.
Vill man inte bygga upp sin egen fondportfölj
då kan man få en
färdig fondportfölj att investera i,
till exempel Nordnet One Offensiv.
Här får man
en exponering mot flera olika fonder
i flera geografier.
Indexfonder, så det är en ganska billig avgift
det är 0,34 % per år man betalar.
Vill man inte bara ha aktie-exponering
och dra ner på risken,
då kan man addera räntor
och det här är färdiga portföljer
så du behöver göra någonting.
Då kan man välja Nordnet One Balanserad,
här är det 60 % aktier 40 % räntor.
Nordnet One Försiktig, 30 % aktier 70 % räntor.
Det var det om hur många fonder man ska ha.
Och svaret är
från en till flera
beroende på vad du är ute efter.
Vill man också sänka risken,
då kan man välja att ha lite fler räntefonder.
Och det är viktigt att tänka på risk att
man har en fondportfölj
som motsvarar den risk man tål
och inte mer.
Mer information om börsen, fonder, aktier och annat
finns på Nordnet Academy.
Gå in där och läs mer så ses vi.
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