{"id":442,"date":"2010-08-14T23:24:37","date_gmt":"2010-08-14T22:24:37","guid":{"rendered":"http:\/\/www.inkomsten.se\/?p=442"},"modified":"2010-08-14T23:24:37","modified_gmt":"2010-08-14T22:24:37","slug":"spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf","status":"publish","type":"post","link":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/","title":{"rendered":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF"},"content":{"rendered":"

Ofta tittar man bara p\u00e5 avkastningen som en fond har. Men \u00e4ven fondavgiften har stor betydelse f\u00f6r den slutliga v\u00e4rdef\u00f6r\u00e4ndringen av ett investerat kapital.<\/p>\n

L\u00e5t oss \u00a0ta ett \u00a0exempel p\u00e5 hur fondavgiften kan p\u00e5verka avkastningen.
\nOm Stockholmsb\u00f6rsen stiger med 5 procent per \u00e5r i snitt \u00f6ver tio \u00e5r och du har en Sverigefond med en avgift p\u00e5 1,5 procent, s\u00e5 tar avgiften 30 procent av avkastningen, f\u00f6rutsatt att fonden f\u00f6ljer b\u00f6rsindex.<\/p>\n

En motsvarande fond med avgift p\u00e5 0,5 procent tar 10 procent av avkastningen.<\/p>\n

Och differensen mellan de b\u00e5da fonderna efter tio \u00e5r? Den dyrare fonden har stigit 41 procent medan den billigare stigit med 55 procent. Efter 20 \u00e5r \u00e4r skillnaden 99 procent mot 141 procent.<\/p>\n

Utg\u00e5ngspunkten f\u00f6r en genomsnittlig fondsparare \u00e4r allts\u00e5 ofta att v\u00e4lja en fond med l\u00e5g \u00a0avgift, d\u00e5 aktivt f\u00f6rvaltade fonder har sv\u00e5rt att \u00f6verprestera s\u00e5 mycket som kr\u00e4vs f\u00f6r att ge en b\u00e4ttre avkastning \u00e4n en indexfond som oftast \u00e4r de fonder som har l\u00e4gst avgift.<\/p>\n

\u00c4ven om avgiften spelar en viktig roll f\u00f6r hur en aktiefond g\u00e5r p\u00e5 sikt \u00e4r den helt avg\u00f6rande n\u00e4r det g\u00e4ller r\u00e4ntefonder. I princip kan man s\u00e4ga att en r\u00e4ntefond med l\u00e5g f\u00f6rvaltningsavgift alltid \u00e4r b\u00e4ttre \u00e4n en dyr.
\nOrsaken \u00e4r att alla de stora r\u00e4ntefonderna placerar i mer eller mindre samma r\u00e4ntepapper och f\u00f6rvaltarens m\u00f6jlighet att kompensera f\u00f6r en h\u00f6gre avgift med b\u00e4ttre placeringar \u00e4r minimal.<\/p>\n

\u00c4ven b\u00f6rshandlade fonder, ETF:er<\/a> har en \u00e5rlig avgift och \u00e4ven h\u00e4r g\u00e4ller det att hitta den som har l\u00e4gst avgift eftersom de f\u00f6ljer ett givet index.
\nDen kanske mest k\u00e4nda b\u00f6rshandlade fonden med h\u00e4vst\u00e5ng \u00e4r XACT Bull och Bear. Dessa har i dagsl\u00e4get en \u00e5rlig avgift p\u00e5 0,6% \u00a0HQ har en motsvarande fon kallad OMXS30 Double short respektive long ETF. H\u00e4r \u00e4r den \u00e5rliga avgiften ist\u00e4llet f\u00f6r n\u00e4rvarande 0,4%
\nDe b\u00e5da fonderna borde bortsett fr\u00e5n fondavgiften ha samma v\u00e4rdeutveckling, d\u00e5 de f\u00f6ljer samma index.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ofta tittar man bara p\u00e5 avkastningen som en fond har. Men \u00e4ven fondavgiften har stor betydelse f\u00f6r den slutliga v\u00e4rdef\u00f6r\u00e4ndringen av ett investerat kapital. L\u00e5t oss \u00a0ta ett \u00a0exempel p\u00e5 hur fondavgiften kan p\u00e5verka avkastningen. Om Stockholmsb\u00f6rsen stiger med 5 procent per \u00e5r i snitt \u00f6ver tio \u00e5r och du har en Sverigefond med en … Forts\u00e4tt l\u00e4sa Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[16],"tags":[],"class_list":["post-442","post","type-post","status-publish","format-standard","hentry","category-investeringar"],"yoast_head":"\nSpara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips\" \/>\n<meta property=\"og:description\" content=\"Ofta tittar man bara p\u00e5 avkastningen som en fond har. Men \u00e4ven fondavgiften har stor betydelse f\u00f6r den slutliga v\u00e4rdef\u00f6r\u00e4ndringen av ett investerat kapital. L\u00e5t oss \u00a0ta ett \u00a0exempel p\u00e5 hur fondavgiften kan p\u00e5verka avkastningen. Om Stockholmsb\u00f6rsen stiger med 5 procent per \u00e5r i snitt \u00f6ver tio \u00e5r och du har en Sverigefond med en … Forts\u00e4tt l\u00e4sa Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\" \/>\n<meta property=\"og:site_name\" content=\"ekonomitips\" \/>\n<meta property=\"article:published_time\" content=\"2010-08-14T22:24:37+00:00\" \/>\n<meta name=\"author\" content=\"inkomst\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"inkomst\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\"},\"author\":{\"name\":\"inkomst\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\"},\"headline\":\"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF\",\"datePublished\":\"2010-08-14T22:24:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\"},\"wordCount\":373,\"commentCount\":0,\"articleSection\":[\"investeringar\"],\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\",\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\",\"name\":\"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips\",\"isPartOf\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#website\"},\"datePublished\":\"2010-08-14T22:24:37+00:00\",\"author\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\"},\"breadcrumb\":{\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#breadcrumb\"},\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hem\",\"item\":\"https:\/\/sitetips.nu\/ekonomitips\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#website\",\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/\",\"name\":\"ekonomitips\",\"description\":\"Ekonomitips\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/sitetips.nu\/ekonomitips\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sv-SE\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7\",\"name\":\"inkomst\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sv-SE\",\"@id\":\"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g\",\"caption\":\"inkomst\"},\"url\":\"https:\/\/sitetips.nu\/ekonomitips\/author\/inkomst\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/","og_locale":"sv_SE","og_type":"article","og_title":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips","og_description":"Ofta tittar man bara p\u00e5 avkastningen som en fond har. Men \u00e4ven fondavgiften har stor betydelse f\u00f6r den slutliga v\u00e4rdef\u00f6r\u00e4ndringen av ett investerat kapital. L\u00e5t oss \u00a0ta ett \u00a0exempel p\u00e5 hur fondavgiften kan p\u00e5verka avkastningen. Om Stockholmsb\u00f6rsen stiger med 5 procent per \u00e5r i snitt \u00f6ver tio \u00e5r och du har en Sverigefond med en … Forts\u00e4tt l\u00e4sa Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF","og_url":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/","og_site_name":"ekonomitips","article_published_time":"2010-08-14T22:24:37+00:00","author":"inkomst","twitter_card":"summary_large_image","twitter_misc":{"Skriven av":"inkomst","Ber\u00e4knad l\u00e4stid":"2 minuter"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#article","isPartOf":{"@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/"},"author":{"name":"inkomst","@id":"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7"},"headline":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF","datePublished":"2010-08-14T22:24:37+00:00","mainEntityOfPage":{"@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/"},"wordCount":373,"commentCount":0,"articleSection":["investeringar"],"inLanguage":"sv-SE","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/","url":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/","name":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF - ekonomitips","isPartOf":{"@id":"https:\/\/sitetips.nu\/ekonomitips\/#website"},"datePublished":"2010-08-14T22:24:37+00:00","author":{"@id":"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7"},"breadcrumb":{"@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#breadcrumb"},"inLanguage":"sv-SE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/sitetips.nu\/ekonomitips\/spara-pengar-pa-att-halla-nere-fondavgifter-och-arliga-avgifter-for-etf\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hem","item":"https:\/\/sitetips.nu\/ekonomitips\/"},{"@type":"ListItem","position":2,"name":"Spara pengar p\u00e5 att h\u00e5lla nere fondavgifter och \u00e5rliga avgifter f\u00f6r ETF"}]},{"@type":"WebSite","@id":"https:\/\/sitetips.nu\/ekonomitips\/#website","url":"https:\/\/sitetips.nu\/ekonomitips\/","name":"ekonomitips","description":"Ekonomitips","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/sitetips.nu\/ekonomitips\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sv-SE"},{"@type":"Person","@id":"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/35490960766e742086a5eea54a4f38b7","name":"inkomst","image":{"@type":"ImageObject","inLanguage":"sv-SE","@id":"https:\/\/sitetips.nu\/ekonomitips\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c7726a5b347fca46ca6eb7c1bb0478fcf703f9770c964a7a96fa2ed2a5bfd926?s=96&d=mm&r=g","caption":"inkomst"},"url":"https:\/\/sitetips.nu\/ekonomitips\/author\/inkomst\/"}]}},"publishpress_future_action":{"enabled":false,"date":"2026-04-26 04:48:34","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/posts\/442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/comments?post=442"}],"version-history":[{"count":0,"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/posts\/442\/revisions"}],"wp:attachment":[{"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/media?parent=442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/categories?post=442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sitetips.nu\/ekonomitips\/wp-json\/wp\/v2\/tags?post=442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}