{"id":77459,"date":"2023-09-13T15:03:29","date_gmt":"2023-09-13T13:03:29","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=77459"},"modified":"2026-03-10T16:17:19","modified_gmt":"2026-03-10T15:17:19","slug":"fa-koll-pa-foretagsobligationer","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/fa-koll-pa-foretagsobligationer\/","title":{"rendered":"F\u00e5 koll p\u00e5 f\u00f6retagsobligationer"},"content":{"rendered":"\n

Det b\u00f6rjar nu talas mer och mer om r\u00e4ntor som ett alternativ till aktier<\/a>. F\u00f6r varf\u00f6r ta den h\u00f6gre risk som en aktieinvestering inneb\u00e4r om du f\u00e5r lika bra betalt f\u00f6r att investera i en obligation utgiven av bolaget ifr\u00e5ga? H\u00e4r \u00e4r m\u00f6jligheterna, men ocks\u00e5 riskerna, med f\u00f6retagsobligationer. <\/strong><\/p>\n\n\n\n

R\u00e4nteniv\u00e5erna \u00e4r h\u00f6gre \u00e4n p\u00e5 l\u00e4nge och det inneb\u00e4r stora f\u00f6r\u00e4ndringar i synen p\u00e5 olika risktillg\u00e5ngar. F\u00f6retagsobligationsfonder har under en tid varit ute i kylan men skulle kunna bli mer intressanta med sjunkande l\u00e5ngr\u00e4ntor och \u00f6kade kreditspreadar. <\/p>\n\n\n\n

Men vi tar det fr\u00e5n b\u00f6rjan. Att en f\u00f6retagsobligationsfond investerar i obligationer utgivna av f\u00f6retag, allts\u00e5 l\u00e5n, vet vi. Likas\u00e5 att avkastningen \u00e4r lika med den r\u00e4nta f\u00f6retagen betalar f\u00f6r l\u00e5net. Precis som en privatperson kan ges l\u00e4gre r\u00e4nta ju s\u00e4krare kund han eller hon anses vara spelar kreditv\u00e4rdigheten roll f\u00f6r vilken r\u00e4nta som ges.<\/p>\n\n\n\n

Vad \u00e4r en obligation v\u00e4rd?<\/h2>\n\n\n\n

H\u00e4r finns flera faktorer att ta h\u00e4nsyn till, och som var f\u00f6r sig bidrar till att best\u00e4mma v\u00e4rdet p\u00e5 obligationen. En \u00e4r den s\u00e5 kallade durationen, eller r\u00e4nterisken. Det \u00e4r risken f\u00f6r att r\u00e4ntan stiger, vilket i sin tur inneb\u00e4r att v\u00e4rdet p\u00e5 redan utgivna obligationer minskar. Den h\u00e4r risken \u00e4r h\u00f6gre ju l\u00e4ngre l\u00f6ptiden p\u00e5 obligationen \u00e4r. \u00c4r durationen 2 \u00e5r inneb\u00e4r det att obligationens v\u00e4rde faller med 2 procent om r\u00e4ntan stiger med 1 procent, och tv\u00e4rtom att obligationen stiger med 2 procent om r\u00e4ntan sjunker med 1 procent.<\/p>\n\n\n\n

Fast eller r\u00f6rlig r\u00e4nta<\/h2>\n\n\n\n

F\u00f6retagsobligationer kan dock ha fast eller r\u00f6rlig r\u00e4nta, d\u00e4r den senare inneb\u00e4r att r\u00e4ntesatsen f\u00f6r\u00e4ndras utifr\u00e5n en marknadsr\u00e4nta. Om r\u00e4ntan stiger kommer ocks\u00e5 obligationens f\u00f6rr\u00e4ntningstakt att \u00f6ka motsvarande. Om obligationen har en fast r\u00e4nta \u00e4r r\u00e4ntesatsen densamma under hela l\u00f6ptiden oavsett marknadsr\u00e4ntans utveckling. M\u00e5nga svenska och nordiska obligationer har dock r\u00f6rlig r\u00e4nta, och m\u00e5nga f\u00f6rvaltare av svenska f\u00f6retagsobligationsfonder uppger att de prim\u00e4rt investerar i f\u00f6retagsobligationer med just r\u00f6rlig r\u00e4nta, f\u00f6r att f\u00e5 ned r\u00e4nterisken.<\/p>\n\n\n\n

Koll p\u00e5 kreditrisken<\/h2>\n\n\n\n

Men det finns ocks\u00e5 en kreditrisk, vilken \u00e4r den centrala delen. Det \u00e4r risken f\u00f6r betalningsinst\u00e4llelse, att obligationsutgivaren inte kan betala r\u00e4nta eller betala tillbaka pengarna. Ju mer \u201dop\u00e5litligt\u201d (riskfyllt) ett f\u00f6retag \u00e4r i detta avseende, desto h\u00f6gre r\u00e4nta kr\u00e4ver investerare f\u00f6r att l\u00e5na ut, allts\u00e5 investera i obligationen. Pratar vi om ett stort stabilt svenskt bolag ges kanske 3-4 procent. Men handlar det om ett mindre mycket mer riskfyllt bolag med l\u00e5g kreditrating (fr\u00e5n ratinginstituten) kan det snarare handla om 8-10 procent.<\/p>\n\n\n\n

Det finns ocks\u00e5 en likviditetsrisk, som blev mer \u00e4n v\u00e4l synlig i samband med coronakraschen. Likviditetsrisken \u00e4r risken att ett v\u00e4rdepapper inte kan s\u00e4ljas, f\u00f6r att det inte finns k\u00f6pare. Det var precis vad som h\u00e4nde under coronav\u00e5ren 2020, innan Riksbanken gick in och st\u00f6ttade marknaden. Den svenska f\u00f6retagsobligationsmarknaden \u00e4r dock fortfarande j\u00e4mf\u00f6relsevis liten och koncentrerad och d\u00e4rmed ocks\u00e5 relativt illikvid.<\/p>\n\n\n\n

Det kan ocks\u00e5 vara bra att veta att en stor del av den svenska f\u00f6retagsobligationsmarknaden dominerades av fastighetsbolag, en sektor som bekant genomg\u00e5r ett st\u00e5lbad i det allt h\u00f6gre r\u00e4ntel\u00e4get. Numera ser vi att \u00e4ven andra typer av bolag ger ut obligationer i h\u00f6gre utstr\u00e4ckning och fastighetssektorns dominans \u00e4r inte l\u00e4ngre s\u00e5 p\u00e5taglig som den en g\u00e5ng var.<\/p>\n\n\n\n

Skillnad i risk – och avkastning<\/h2>\n\n\n\n

Obligationer utgivna av bolag som anses relativt s\u00e4kra kallas investment grade-obligationer. H\u00e4r kan det handla om obligationer som kan ge 4-6 procent i r\u00e4nta. M\u00e5nga f\u00f6retagsobligationer uppger den f\u00f6rv\u00e4ntade f\u00f6rr\u00e4ntningen, allts\u00e5 snittr\u00e4ntan p\u00e5 fondens innehav, och den kan vara intressant att kika p\u00e5. En fond som exempelvis Lannebo Sustainable Corporate Bond har en f\u00f6rr\u00e4ntningstakt p\u00e5 4 procent. Och det \u00e4r f\u00f6re avgifter.<\/p>\n\n\n\n

I en annan typ av fonder<\/a> \u00e4r den f\u00f6rv\u00e4ntade f\u00f6rr\u00e4ntningen betydligt h\u00f6gre, upp emot kanske 8-9 procent f\u00f6re avgift. Dessa \u00e4r s\u00e5 kallade high yield-fonder, som investerar i obligationer utgivna av f\u00f6retag med betydligt h\u00f6gre kreditrisk. H\u00e4r finns kanske en reell risk att f\u00f6retaget m\u00e5ste st\u00e4lla in betalningarna, och kanske till och med g\u00e5r i konkurs. <\/p>\n\n\n\n

Varf\u00f6r k\u00f6per du f\u00f6retagsobligationer?<\/h2>\n\n\n\n

Det kan vara bra att t\u00e4nka p\u00e5 att det \u00e4r f\u00f6retagsobligationer med denna h\u00f6gre risk som mest korrelerar med aktiemarknaden. En l\u00e4gre riskaptit p\u00e5 aktiemarknaden betyder allt annat lika en l\u00e4gre riskaptit p\u00e5 f\u00f6retagsobligationsmarknaden.<\/p>\n\n\n\n

D\u00e4rf\u00f6r \u00e4r det viktigt att du svarar p\u00e5 fr\u00e5gan varf\u00f6r du k\u00f6per en f\u00f6retagsobligationsfond. Vill du ha en motvikt till aktier \u00e4r de s\u00e4krare investment grade-obligationerna ett b\u00e4ttre val, men d\u00e5 \u00e4r den f\u00f6rv\u00e4ntade avkastningen ocks\u00e5 l\u00e4gre.<\/p>\n\n\n\n

T\u00e4nk ocks\u00e5 p\u00e5 att f\u00f6retagsobligationer inte heller g\u00e5r att j\u00e4mf\u00f6ra med exempelvis kortr\u00e4ntefonder avseende spartid. Minst tre \u00e5r, men i vissa fall kanske fem \u00e5r, b\u00f6r du kunna avvara pengarna.<\/p>\n\n\n\n

Fonder som investeringsform<\/h2>\n\n\n\n

Enskilda obligationer har ofta v\u00e4ldigt h\u00f6ga prislappar, och d\u00e4rf\u00f6r \u00e4r det enklaste f\u00f6r de allra flesta privatsparare att investera via en fond. Fondens f\u00f6rvaltare investerar d\u00e5 i obligationer utgivna av m\u00e5nga olika f\u00f6retag vilket ger en bra diversifiering.<\/p>\n\n\n\n

Det g\u00e5r ocks\u00e5 att n\u00e5 exponering mot framf\u00f6r allt utl\u00e4ndska f\u00f6retagsobligationer genom r\u00e4nte-ETF<\/a>:er, som exempelvis erbjuds av iShares och Xtrackers. T\u00e4nk p\u00e5 att en valutarisk alltid tillkommer n\u00e4r du investerar i utl\u00e4ndska tillg\u00e5ngar.<\/p>\n\n\n\n

Risker<\/h2>\n\n\n\n

F\u00f6rhoppningsvis har det redan framg\u00e5tt i texten, men finansiella instrument kan b\u00e5de \u00f6ka och minska i v\u00e4rde och det finns en risk att du inte f\u00e5r tillbaka de pengar du investerar. Historisk avkastning \u00e4r inte en garanti f\u00f6r framtida avkastning.<\/p>\n\n\n\n

\/Frida<\/p>\n\n\n\n

\n
F\u00f6retagsobligationsfonder<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Det b\u00f6rjar nu talas mer och mer om r\u00e4ntor som ett alternativ till aktier. F\u00f6r varf\u00f6r ta den h\u00f6gre risk som en aktieinvestering inneb\u00e4r om du f\u00e5r lika bra betalt f\u00f6r att investera i en obligation utgiven av bolaget ifr\u00e5ga? H\u00e4r \u00e4r m\u00f6jligheterna, men ocks\u00e5 riskerna, med f\u00f6retagsobligationer. R\u00e4nteniv\u00e5erna \u00e4r h\u00f6gre \u00e4n p\u00e5 l\u00e4nge och […]<\/p>\n","protected":false},"author":40184,"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":[4050],"tags":[],"class_list":["post-77459","post","type-post","status-publish","format-standard","hentry","category-investeringsstrategi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/11\/frida-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/11\/frida-1-150x54.png 150w, 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