{"id":76561,"date":"2023-06-27T11:00:00","date_gmt":"2023-06-27T09:00:00","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=76561"},"modified":"2026-04-27T10:44:19","modified_gmt":"2026-04-27T08:44:19","slug":"min-sparresa-nar-det-ar-enkelt-ar-det-ratt","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/min-sparresa-nar-det-ar-enkelt-ar-det-ratt\/","title":{"rendered":"Min sparresa: \u201dN\u00e4r det \u00e4r enkelt \u00e4r det r\u00e4tt\u201d"},"content":{"rendered":"\n<p><em>Lanseringen av Nordnet Female Network blev en succ\u00e9. Vi \u00e4r nu tusentals kvinnor som tycker att sparande, investeringar och privatekonomi \u00e4r b\u00e5de roligt och viktigt. Flera kvinnor har h\u00f6rt av sig till oss och vill dela sina sparresor; ett f\u00f6rtroende vi tackar f\u00f6r.<\/em><\/p>\n\n\n\n<p><em>Varje m\u00e5nad kommer att vi att lyfta upp en profil, eller inspirat\u00f6r, som f\u00e5r ber\u00e4tta om sin syn p\u00e5 sparande och hur den egna sparresan sett ut. F\u00f6rst ut \u00e4r Lina Milton, Nordnet-medarbetare och en av m\u00e4nniskorna bakom Female Network.<\/em><\/p>\n\n\n\n<p><strong>Kul att f\u00e5 en pratstund med dig Lina. Ber\u00e4tta, vilken storts sparare \u00e4r du?<\/strong><\/p>\n\n\n\n<p>F\u00f6rst och fr\u00e4mst, kul att f\u00e5 vara med i det h\u00e4r sammanhanget. Jag \u00e4lskar att vi f\u00e5r inspireras av varandra och v\u00e4xa tillsammans.<\/p>\n\n\n\n<p>N\u00e4r det kommer till sparande skulle jag s\u00e4ga att jag \u00e4r mer ih\u00e4rdig \u00e4n duktig. Trygghet \u00e4r viktigt f\u00f6r mig och jag sparar absolut f\u00f6r att kunna konsumera, men allra allra mest f\u00f6r att ha ett skyddsn\u00e4t f\u00f6r mig och min familj.<\/p>\n\n\n\n<p><strong>Vill du ber\u00e4tta om n\u00e4r du b\u00f6rjade spara?<\/strong><\/p>\n\n\n\n<p>Jag har egentligen alltid gjort det. Som barn i allemansfonder och n\u00e4r jag blev student minns jag hur jag travade in p\u00e5 bankkontoret i \u00d6rebro f\u00f6r att s\u00e4tta av en del av mitt knapra studiemedel i ett m\u00e5nadssparande. Summorna har varierat genom livet, men det har alltid varit viktigt f\u00f6r mig att kunna spara <em>n\u00e5got<\/em>.<\/p>\n\n\n\n<p><strong>Hur mycket skulle du s\u00e4ga att du sparar idag; vad har du f\u00f6r sparkvot?<\/strong><\/p>\n\n\n\n<p>Det varierar lite, men kanske omkring 20 procent av min disponibla inkomst. Jag och min man har ungef\u00e4r samma syn p\u00e5 sparande och hur mycket det \u00e4r rimligt att s\u00e4tta av, men han \u00e4r lite mer ben\u00e4gen att konsumera \u00e4n jag.<\/p>\n\n\n\n<p><strong>Nu kommer vi till den mest sp\u00e4nnande fr\u00e5gan; vad investerar du i?<\/strong><\/p>\n\n\n\n<p>Jag har flera olika sparanden, men alla \u00e4r l\u00e5ngsiktiga. Jag pensionssparar och sparar till barnen. I samtliga fall har jag majoriteten av pengarna i <a href=\"https:\/\/www.nordnet.se\/fonder\/indexfonder\">indexfonder<\/a>, utspridda \u00f6ver hela v\u00e4rlden. Till det adderar jag enskilda <a href=\"https:\/\/www.nordnet.se\/aktier\/kurser\">aktier<\/a> i bolag som jag \u00e4r intresserad av och tror p\u00e5. Jag s\u00e4ljer s\u00e4llan, utan k\u00f6per n\u00e4stan alltid med en l\u00e5ngsiktig ambition. <\/p>\n\n\n\n<p><strong>Har du st\u00f6tt p\u00e5 n\u00e5gra utmaningar eller hinder p\u00e5 v\u00e4gen?<\/strong><\/p>\n\n\n\n<p>Verkligen! Jag har investerat i bolag som jag inte f\u00f6rst\u00e5tt och g\u00e5tt in i b\u00f6rsintroduktioner som inte utvecklats som f\u00f6rv\u00e4ntat. Krasst; om jag hade h\u00e5llit mig till mina indexfonder skulle nog portf\u00f6ljen m\u00e5tt \u00e4nnu b\u00e4ttre idag. Men det \u00e4r ju s\u00e5 kul med aktier och att f\u00f6lja bolag. Jag har l\u00e4rt mig massor p\u00e5 v\u00e4gen.<\/p>\n\n\n\n<p><strong>Vad har du f\u00f6r relation till pengar?<\/strong><\/p>\n\n\n\n<p>F\u00f6r mig betyder det trygghet och sj\u00e4lvst\u00e4ndighet att ha en buffert, s\u00e5 enkelt \u00e4r det. Sj\u00e4lvklart tycker jag om att konsumera ocks\u00e5, men det \u00e4r inte det som g\u00f6r mig lycklig.<\/p>\n\n\n\n<p><strong>Har du n\u00e5got du vill dela med dig av, ett medskick till alla kvinnor som l\u00e4ser det h\u00e4r?<\/strong><\/p>\n\n\n\n<p>Jag har alltid fokuserat p\u00e5 l\u00e5ga avgifter, det \u00e4r d\u00e4rf\u00f6r jag har en bas av indexfonder p\u00e5 alla mina konton. Det andra \u00e4r att jag enbart investerar i produkter som jag f\u00f6rst\u00e5r. Det har varit viktigt f\u00f6r mig ur ett riskperspektiv, men ocks\u00e5 f\u00f6r jag tycker det \u00e4r s\u00e5 mycket roligare n\u00e4r det \u00e4r enkelt.<\/p>\n\n\n\n<p><strong>N\u00e4r det \u00e4r enkelt \u00e4r det r\u00e4tt, brukar det heta. Och det beh\u00f6ver kanske inte vara sv\u00e5rare \u00e4n s\u00e5. Stort tack Lina f\u00f6r att du ville dela med dig av din spararresa och din relation till pengar och privatekonomi.<\/strong><\/p>\n\n\n\n<p>Tack sj\u00e4lv!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Linas st\u00f6rsta innehav:<\/strong><\/td><\/tr><tr><td>\u00b7 Nordnet Indexfond Sverige<br>\u00b7 Spiltan Aktiefond Investmentbolag<br>\u00b7 Nordnet Indexfond Europa<br>\u00b7 Swedbank Robur Access Global<br>\u00b7 Nordnet Indexfond Tillv\u00e4xtmarknad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Den 27 april 2026 bytte Shareville namn till Nordnet Social. L\u00e4s med om f\u00f6r\u00e4ndringen <a href=\"https:\/\/www.nordnet.se\/blogg\/shareville-blir-nordnet-social\/\">h\u00e4r<\/a>.<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Vi vill bara p\u00e5minna om att ditt sparande kan g\u00e5 upp och ner. \u00c4ven om sparande i aktier och <a href=\"https:\/\/www.nordnet.se\/fonder\">fonder<\/a> historiskt gett god avkastning \u00f6ver tid finns inga garantier f\u00f6r framtida avkastning. Det finns risk att du inte f\u00e5r tillbaka de pengar du investerat.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lanseringen av Nordnet Female Network blev en succ\u00e9. Vi \u00e4r nu tusentals kvinnor som tycker att sparande, investeringar och privatekonomi \u00e4r b\u00e5de roligt och viktigt. Flera kvinnor har h\u00f6rt av sig till oss och vill dela sina sparresor; ett f\u00f6rtroende vi tackar f\u00f6r. Varje m\u00e5nad kommer att vi att lyfta upp en profil, eller inspirat\u00f6r, [&hellip;]<\/p>\n","protected":false},"author":10042,"featured_media":0,"comment_status":"open","ping_status":"closed","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":[4764],"tags":[4797],"class_list":["post-76561","post","type-post","status-publish","format-standard","hentry","category-female-network","tag-sparresa"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/lina-1200x430-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/lina-1200x430-1-150x54.png 150w, 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