Both amateurs and scholars disagree about what is the best way to treat save money.
The arguments for and against saving in housing, banking and funds are many and it can be easy to lose heart.
Consumer Economics Silje Sandmæl mean life situation mainly should govern what you do with your money.
– Spreading your savings you get more legs to stand on. In addition, the potential return far greater than if you only save in banks and housing. But what to save the most in depends on the life situation, she said.
For young people should first priority in savings should be residential, believes believes Sandmæl.
It does not mean that you do not has great potential to set off a hundred kroner or two a month to other things. Once you have begun to pay off the mortgage, you should gradually turn up the amount and save even more, she adds.
– The amount can only get bigger and bigger.
Find potential
Because many of us do not have an overview of what we spend our money on, we do not know that we have the potential to save, think Sandmæl.
CEO Gunnar Hovland in BN Bank ASA recently asked his customers what they would do if they were to save ten thousand dollars in a year.
2 of 3 replied that they would shopped less and planned their purchases better, while 1 in 10 would raised less.
– People say in a way that they will save on the things that give life quality, says Hovland about the result.
It causes too many to savings in life comes late start. Thus, a better overview of the economy, often freeing up funds – which may be included in the savings plan.
– Many prioritize and starts too late. For those in midlife and have not started their pension savings yet, the recipe is simple: you have to cut spending, says Sandmæl.
consider risk appetite
In addition to assessing the life situation, as well as obtain a good financial overview, you should also consider the risk appetite yours.
Are you the type that can withstand risk, recommends director Lasse Ruud VFF to invest part of their savings in mutual funds.
– You do not save money in some years, but sleeps poorly at night if the stock market falls between five and ten percent may sanity is more important than getting the extra return, he said.
Are you however agree that the stock market fluctuates, while the long-term return is better – and this does not go beyond sleep, should place a large proportion of long-term savings in mutual funds, says Ruud.
When you come to the question of how much of your savings that should be in mutual funds, it is individually.
– There will be a question of how many long term savings you have, that money you think you will need at least 5 years. The second is the attitude you have to risk, he explains and advises “the man in the street” to concentrate on “whole” Oslo Stock Exchange, coupled with broad international investment.
– Some talk about it is good to have a little spice in the savings portfolio, but John Doe has very little money in mutual funds in the first place. So drop the spice.
Bank
Suitable for:
* You under 34 years saving for housing:
– Fill up a BSU account. Have you already spent or saved up BSU, continue saving in so-called BSU 2.0. You will then not take advantage of the tax deduction, but a good rate, tipping Sandmæl.
* You have, or will soon retire:
It may be okay to have lower risk of money you have saved up, as you will soon begin to use them. Increase gladly share save money in the bank gradually, while stairs down share in mutual funds. Want to continue saving in funds, there are funds with lower risk than equity funds (see fact box).
* You as soon going to use savings:
If you various reasons to use money saving within five years, it might be smart to have them in the bank, according Sandmæl. When the risk is far less that the value of money decreases, while inflation does not “reach” to eat a lot of money.
Equity : Appropriate for those who want to save five years or longer and want good returns. You tolerate that returns in periods can fluctuate considerably. The return of the mutual fund has averaged three to five percent higher than bank interest rates. Equity is therefore suitable for those who want the highest possible return on fund savings and who know that the returns may be negative in periods.
Allocation : Investing in fixed income and equities. The time horizon for savings depends on how large aksjedel you have selected in your hybrid funds. Have 50% equities and 50% interest should save three years or more.
Bond funds: For those who want better returns than bank deposits and low risk.
It is also a convenient way of saving if you do not want large fluctuations in value when there is low risk where the probability of a negative return over time is very small
Bond: The bond market is a market for selling loans with long maturities. Bond has higher expected returns than money market funds. In return, you must expect slightly larger fluctuations in value. Bond is most profitable when interest rates are stable or declining. Often fall in interest coincides with falling stock markets. It may therefore be wise to invest in both bond and equity funds.
Simple Shares: Suitable for those who want to take more risks. Return potential is higher, the more risk you take. Do not speculate with money that can not go negative, but it is allowed to play around a bit. By buying Norwegian individual stocks, you buy a piece of Norway. You are on value creation. Here is the potential to learn about Norwegian companies, not least make money.
Source: Consumer Economics Silje Sandmæl DNB
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Property
Suitable for:
* You recently bought a house
* You have a high debt
– Now that interest rates are low, it may be wise to pay down extra on the loan to get a more comfortable gearing . In addition, you should also build up a buffer account for unforeseen events, tipping Sandmæl.
Fund
Suitable for:
You as will save long:
If you think 10 to 20 years into the future, will fund be a natural saving choice.
– Please start a savings agreement in mutual funds or individual stocks already young. Everything makes a difference. Consider that ten bucks in real savings in the month is only a couple of beers less on the town, says Sandmæl.
– You should obtain broad, long-term equity exposure, and happily go regularly through savings agreement. Then you get in addition spread risk on the investment date, which is beneficial if, for example proves that you put capital into at a time when the market was high, says Ruud.
You have housing and moderate or no debt:
Do you have money left over each month so recommend Sandmæl to spit more into the monthly savings in the stock market.
– Select how much risk you are willing to take basis of timing and gut feeling. There are several possibilities; balanced funds, index funds, mutual funds or individual stocks (see fact box).
– There is no definitive answer, but we have some rules of thumb. Most experts recommend having 50-75 percent of the money in global equity and 25-50 percent in mutual funds that invest broadly on Oslo Børs. Then you have a good standard recipe. The range will vary between whether you should have 50 or 75 percent out (globally), says Ruud.
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