{"id":15800,"date":"2022-01-11T09:21:00","date_gmt":"2022-01-11T08:21:00","guid":{"rendered":"https:\/\/www.nordnet.com\/nordnetblog\/?p=15800"},"modified":"2026-04-13T16:22:53","modified_gmt":"2026-04-13T14:22:53","slug":"nar-manadssparande-inte-langre-lonar-sig","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/nar-manadssparande-inte-langre-lonar-sig\/","title":{"rendered":"N\u00e4r m\u00e5nadssparande inte l\u00e4ngre l\u00f6nar sig"},"content":{"rendered":"\n

Att skapa en rutin av att \u00e5terkomma till b\u00f6rsen och regelbundet spara \u00e4r en briljant id\u00e9! Du slipper tajma b\u00f6rsen och du s\u00e4kerst\u00e4ller att du f\u00e5r en utj\u00e4mning i ink\u00f6pskursen. Det ger goda f\u00f6ruts\u00e4ttningar f\u00f6r att maximera r\u00e4nta-p\u00e5-r\u00e4nta effekten. Efter ett g\u00e4ng \u00e5r s\u00e5 kommer portf\u00f6ljen ha vuxit sig ganska stor och fr\u00e5gan man kan st\u00e4lla sig d\u00e5 \u00e4r om det fortfarande \u00e4r v\u00e4rt att m\u00e5nadsspara – det kollar vi n\u00e4rmare p\u00e5 i detta inl\u00e4gg. <\/strong><\/p>\n\n\n\n

M\u00e5nadssparande vs Avkastning<\/h2>\n\n\n\n

Min po\u00e4ng med detta inl\u00e4gg \u00e4r att unders\u00f6ka vilken p\u00e5verkan ett m\u00e5nadssparande<\/a> har eller inte har p\u00e5 din portf\u00f6lj beroende p\u00e5 hur mycket kapital du har. Snabb intuition s\u00e4ger oss att om du redan sitter p\u00e5 en portf\u00f6lj v\u00e4rt 100 miljoner kronor s\u00e5 ger det inte s\u00e4rskilt mycket om du m\u00e5nadssparar en hundralapp. Det som kommer p\u00e5verka om dina 100 miljoner v\u00e4xer \u00e4r vilken avkastning du f\u00e5r. Om du ist\u00e4llet har 100 kronor p\u00e5 ditt konto s\u00e5 kommer ett m\u00e5nadssparande p\u00e5 en hundralapp inneb\u00e4ra att du dubblar kontov\u00e4rdet f\u00f6rsta m\u00e5naden.<\/p>\n\n\n\n

Syftet \u00e4r allts\u00e5 att se vad \u00e4r det som bidrar med tillv\u00e4xt i din portf\u00f6lj, d\u00e4r tillv\u00e4xt i detta fall definieras som avkastning eller ins\u00e4ttning av nytt kapital i form av m\u00e5nadssparande. J\u00e4mf\u00f6relsepunkterna \u00e4r en avkastning p\u00e5 10% \u00f6ver 1 \u00e5r <\/strong>samt ett m\u00e5nadssparande p\u00e5 2 500 kr\/m\u00e5n<\/strong> vilket blir 30 000 kr\/\u00e5r. Detta ger ju en viss avkastning ocks\u00e5, d\u00e5 exempelvis januari m\u00e5nadssparandet har 11 m\u00e5nader att v\u00e4xa under \u00e5ret. S\u00e5 i mitt exempel ger jag m\u00e5nadssparandet 33 000 kr.<\/strong><\/p>\n\n\n\n

Det \u00e4r allts\u00e5 dessa 33 000 kr som blir j\u00e4mf\u00f6relsebeloppet. Det \u00e4r detta som du sj\u00e4lv tillf\u00f6r till din portf\u00f6lj och skulle din portf\u00f6lj vara v\u00e4rd 330 000 kr i b\u00f6rjan av \u00e5ret s\u00e5 kommer \u00e4ven 10% avkastning ge dig 33 000 kr. I detta snabba exempel s\u00e5 v\u00e4xer din portf\u00f6lj med 66 000 kr under ett \u00e5r d\u00e4r m\u00e5nadssparandet st\u00e5r f\u00f6r 50% andel av tillv\u00e4xten och avkastningen st\u00e5r f\u00f6r resterade 50% av andel. <\/p>\n\n\n\n

Effekten upp till en portf\u00f6lj p\u00e5 1 miljon kronor<\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Bilden ovan illustrerar det exempel jag angav. P\u00e5 x-axeln anger jag portf\u00f6ljens v\u00e4rde, detta \u00e4r allts\u00e5 vad din portf\u00f6lj \u00e4r v\u00e4rd i b\u00f6rjan av \u00e5ret. P\u00e5 y-axeln s\u00e5 anges andelen av vad som bidrar med tillv\u00e4xt. D\u00e4r det bara finns avkastning och m\u00e5nadssparande och jag r\u00e4knar som sagt med att portf\u00f6ljen stiger konstant med 10% under ett \u00e5r samt att vi m\u00e5nadssparar med 2 500 kr. <\/p>\n\n\n\n

F\u00f6r att visualisera s\u00e5 \u00e4r det bl\u00e5a f\u00e4ltet hur mycket som \u00e4r m\u00e5nadssparande och det gr\u00f6na f\u00e4ltet hur mycket som \u00e4r avkastning. <\/strong><\/p>\n\n\n\n

L\u00e4ngst ut till v\u00e4nster s\u00e5 ser du andelen n\u00e4r din portf\u00f6lj \u00e4r v\u00e4rd 10 000 kr i b\u00f6rjan av \u00e5ret. D\u00e5 kommer du f\u00e5 1 000 kr i avkastning och ett m\u00e5nadssparande p\u00e5 2 500 kr ger 33 000 kr tillv\u00e4xt under \u00e5ret. Slutsatsen \u00e4r att det l\u00f6nar sig otroligt mycket att m\u00e5nadsspara ett s\u00e5 h\u00f6gt belopp som 2 500 kr n\u00e4r portf\u00f6ljen bara \u00e4r v\u00e4rd 10 000 kr. <\/p>\n\n\n\n

Till h\u00f6ger ser du ist\u00e4llet vad effekten blir n\u00e4r du har en portf\u00f6lj v\u00e4rd 1 miljon kronor. 10% avkastning ger dig 100 000 kr mer men ett m\u00e5nadssparande \u00e4r fortfarande en v\u00e4ldigt bidragande del till tillv\u00e4xten med 33 000 kr. <\/p>\n\n\n\n

Effekten upp till en portf\u00f6lj p\u00e5 5 miljon kronor <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Ovan s\u00e5 ser du effekten upp till en portf\u00f6lj v\u00e4rd 5 miljoner kronor. H\u00e4r har jag vid varje miljon angivit hur stor andel av tillv\u00e4xten som m\u00e5nadssparandet st\u00e5r f\u00f6r. Exempelvis s\u00e5 ser vi att vid 1 miljon s\u00e5 ger \u00e4nd\u00e5 m\u00e5nadssparandet en tillv\u00e4xt p\u00e5 hela 24% om man nu kan avs\u00e4tta 2 500 kr i m\u00e5naden. Har man 3 miljoner s\u00e5 bidrar det fortfarande med 10% av tillv\u00e4xten. \u00c4ven vid en portf\u00f6lj p\u00e5 5 miljoner s\u00e5 ger ett m\u00e5nadssparande 6% tillv\u00e4xt. <\/p>\n\n\n\n

Slutsatser och tankar<\/h2>\n\n\n\n

Det \u00e4r klart att ju st\u00f6rre portf\u00f6lj du har, desto mindre p\u00e5verkan har ett m\u00e5nadssparande. Eller snarare, det ger st\u00f6rst p\u00e5verkan p\u00e5 om ditt kapital v\u00e4xer \u00e4r vilken avkastning du f\u00e5r. <\/p>\n\n\n\n

Men, nu har jag m\u00e4tt avkastning som en konstant variabel och vi vet ju att b\u00f6rsen s\u00e4llan g\u00e5r rakt upp med 10% per \u00e5r. Utan den sv\u00e4nger och vi de tillf\u00e4llen som den dippar och du regelbundet k\u00f6per in dig d\u00e5 kommer det ge en betydligt st\u00f6rre effekt \u00e4n av vad mitt linj\u00e4ra exempel ovan ger sken av. <\/p>\n\n\n\n

Jag \u00e4r personligen lite f\u00f6rv\u00e5nad \u00f6ver vilken stor effekt ett m\u00e5nadssparande \u00e4nd\u00e5 kan ha p\u00e5 en portf\u00f6lj v\u00e4rd flera miljoner. Nu har jag f\u00f6rvisso r\u00e4knat med ett ganska s\u00e5 kraftigt sparande p\u00e5 2 500 kr\/m\u00e5naden, men det \u00e4r fullt m\u00f6jligt om man avvarar ca 10 % av l\u00f6nen. Det \u00e4r ofta tack vare en inst\u00e4llning att vara sparsam som g\u00f6r att man uppg\u00e5r en f\u00f6rm\u00f6genhet och det finns med andra ord anledning att forts\u00e4tta vara sparsam.<\/p>\n\n\n\n

Nu st\u00e4ller jag m\u00e5nadssparande och avkastning mot varandra, i verkligheten \u00e4r dessa tv\u00e5 krafter samverkande och b\u00e5da \u00e4r n\u00e5got du ska fokusera p\u00e5! Se till f\u00f6rs\u00f6ka f\u00e5 s\u00e5 h\u00f6g avkastning som m\u00f6jligt samt f\u00f6rs\u00f6ka m\u00e5nadsspara s\u00e5 stort belopp som m\u00f6jligt s\u00e5 maximerar du r\u00e4nta-p\u00e5-r\u00e4nta effekten. <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Att skapa en rutin av att \u00e5terkomma till b\u00f6rsen och regelbundet spara \u00e4r en briljant id\u00e9! Du slipper tajma b\u00f6rsen och du s\u00e4kerst\u00e4ller att du f\u00e5r en utj\u00e4mning i ink\u00f6pskursen. Det ger goda f\u00f6ruts\u00e4ttningar f\u00f6r att maximera r\u00e4nta-p\u00e5-r\u00e4nta effekten. Efter ett g\u00e4ng \u00e5r s\u00e5 kommer portf\u00f6ljen ha vuxit sig ganska stor och fr\u00e5gan man kan […]<\/p>\n","protected":false},"author":40072,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4053],"tags":[130],"class_list":["post-15800","post","type-post","status-publish","format-standard","hentry","category-privatekonomi","tag-pension"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/4-150x58.jpg","width":150,"height":58,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2021\/02\/4-150x58.jpg 150w, 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