{"id":79754,"date":"2024-03-06T07:00:00","date_gmt":"2024-03-06T06:00:00","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=79754"},"modified":"2026-03-04T14:38:19","modified_gmt":"2026-03-04T13:38:19","slug":"negativa-trenden-fortsatter-kvinnor-sparar-mindre","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/negativa-trenden-fortsatter-kvinnor-sparar-mindre\/","title":{"rendered":"F\u00e4rre kvinnor sparar – nu minskar vi gapet tillsammans"},"content":{"rendered":"\n

Allt f\u00e4rre kvinnor uppger att de har ett eget sparande. Bland m\u00e4nnen \u00f6kar d\u00e4remot sparandet. Det visar en ny unders\u00f6kning fr\u00e5n Nordnet.<\/strong><\/p>\n\n\n\n

Sedan 2020 har Nordnet, med hj\u00e4lp av unders\u00f6kningsf\u00f6retaget Yougov, unders\u00f6kt i vilken utstr\u00e4ckning svenska kvinnor har ett eget sparande som \u00e4r tillr\u00e4ckligt stort f\u00f6r att f\u00f6r\u00e4ndra den egna livssituationen, exempelvis l\u00e4mna en relation eller byta arbete. F\u00f6r varje \u00e5r har andelen kvinnor som svarat ja p\u00e5 fr\u00e5gan \u00f6kat, men f\u00f6r 2023 s\u00e5gs ett trendbrott. D\u00e5 minskade andelen kvinnor som svarade ja p\u00e5 fr\u00e5gan om de har ett eget sparande, fr\u00e5n 43 till 38 procent. I \u00e5r forts\u00e4tter den negativa trenden; i \u00e5rets unders\u00f6kning \u00e4r det 36 procent av kvinnorna i unders\u00f6kningen som svarar ja. \u00d6ver h\u00e4lften, 53 procent, svarar nej. \u00c4ven det \u00e4r en \u00f6kning, fr\u00e5n 51 procent ifjol.<\/p>\n\n\n\n

Att f\u00e4rre upplever att de har ett eget sparande som \u00e4r tillr\u00e4ckligt stort f\u00f6r att f\u00f6r\u00e4ndra den egna livssituationen kan naturligtvis ha att g\u00f6ra med det ekonomiska l\u00e4get. Det \u00e4r tuffa privatekonomiska tider och m\u00e5nga kanske beh\u00f6ver prioritera bort sparandet f\u00f6r en period. Det anm\u00e4rkningsv\u00e4rda \u00e4r att vi i \u00e5r endast ser denna trend f\u00f6r kvinnor. Bland m\u00e4nnen \u00f6kar andelen som har ett stort eget sparande. Andelen m\u00e4n som uppger att de har ett eget sparande \u00e4r 45 procent, att j\u00e4mf\u00f6ra med 43 procent ifjol. Andelen som svarar nej, att de inte har ett tillr\u00e4ckligt stort eget sparande f\u00f6r att f\u00f6r\u00e4ndra den egna livssituationen, minskade fr\u00e5n 46 till 44 procent.<\/p>\n\n\n\n

Man kan resonera kring om det \u00e4r s\u00e5 att kvinnors egna sparande prioriteras i l\u00e4gre utstr\u00e4ckning i det gemensamma hush\u00e5llet. Det \u00e4r i s\u00e5 fall problematiskt. Alla, kvinnor som m\u00e4n, har nytta av att ha ett eget sparande vid sidan av det gemensamma. Det \u00f6kar b\u00e5de tryggheten och friheten. <\/p>\n\n\n\n

Bland kvinnor som har ett eget sparande forts\u00e4tter l\u00e5g risk att prioriteras, enligt unders\u00f6kningen. Andelen kvinnor som prioriterar l\u00e5g risk och d\u00e4rmed accepterar l\u00e4gre avkastning i sparandet har \u00f6kat fr\u00e5n 40 till 46 procent, j\u00e4mf\u00f6rt med f\u00f6rra \u00e5ret. Bland m\u00e4nnen \u00e4r andelen 33 procent, ocks\u00e5 det en \u00f6kning med tre procentenheter. Allt f\u00e4rre kvinnor kan ocks\u00e5 t\u00e4nka sig att ta viss risk i sitt sparande, i syfte att f\u00e5 lite h\u00f6gre avkastning. Samtidigt uppger endast tre procent av kvinnorna, och 10 procent av m\u00e4nnen, att de satsar p\u00e5 h\u00f6g risk f\u00f6r att f\u00e5 m\u00f6jlighet till maximal avkastning.<\/p>\n\n\n\n

N\u00e4r utgifterna \u00f6kar, med h\u00f6gre bol\u00e5ner\u00e4ntor framf\u00f6r allt, prioriterar sannolikt fler att f\u00f6rs\u00f6ka \u00f6ka p\u00e5 bufferten. Det \u00e4r klokt, och en buffert trivs bra p\u00e5 sparkonto. Men handlar det om ett l\u00e5ngsiktigt sparande \u00e4r det mycket viktigt att v\u00e5ga ta risk f\u00f6r att \u00f6ka m\u00f6jligheterna till avkastning \u00f6ver tid. <\/p>\n\n\n\n

P\u00e5 Nordnet vill vi minska gapet mellan m\u00e4ns och kvinnors sparande. Vi vill f\u00f6rmedla tips, inspiration och kunskap p\u00e5 v\u00e4gen mot ekonomisk sj\u00e4lvst\u00e4ndighet. L\u00e4s mer om Nordnet Female Network h\u00e4r<\/a>. <\/p>\n\n\n\n

Om unders\u00f6kningen<\/h2>\n\n\n\n

Upplever du att du har ett tillr\u00e4ckligt stort eget sparande f\u00f6r att f\u00f6r\u00e4ndra din egen livssituation, till exempel s\u00e4ga upp dig fr\u00e5n jobbet eller bryta upp fr\u00e5n en relation? <\/strong><\/p>\n\n\n\n

Ja <\/strong><\/p>\n\n\n\n

Kvinnor: 36 % <\/p>\n\n\n\n

M\u00e4n: 45 % <\/p>\n\n\n\n

Totalt: 41 % <\/p>\n\n\n\n

Nej <\/strong><\/p>\n\n\n\n

Kvinnor: 53 % <\/p>\n\n\n\n

M\u00e4n: 44 % <\/p>\n\n\n\n

Totalt: 49 % <\/p>\n\n\n\n

Vet ej <\/strong><\/p>\n\n\n\n

Kvinnor: 11 % <\/p>\n\n\n\n

M\u00e4n: 10 % <\/p>\n\n\n\n

Totalt: 11 % <\/p>\n\n\n\n

Hur t\u00e4nker du kring riskniv\u00e5n i ditt sparande? <\/strong><\/p>\n\n\n\n

Jag prioriterar trygghet och l\u00e5g risk, och accepterar d\u00e4rmed l\u00e4gre avkastning i mitt sparande <\/strong><\/p>\n\n\n\n

Kvinnor: 46 % <\/p>\n\n\n\n

M\u00e4n: 33 % <\/p>\n\n\n\n

Totalt: 39 % <\/p>\n\n\n\n

Jag kan t\u00e4nka mig att ta viss risk i mitt sparande, i syfte att f\u00e5 lite h\u00f6gre avkastning <\/strong><\/p>\n\n\n\n

Kvinnor: 34 % <\/p>\n\n\n\n

M\u00e4n: 43 % <\/p>\n\n\n\n

Totalt: 38 % <\/p>\n\n\n\n

Jag satsar oftast p\u00e5 h\u00f6g risk f\u00f6r att f\u00e5 m\u00f6jlighet till maximal avkastning <\/strong><\/p>\n\n\n\n

Kvinnor: 3 % <\/p>\n\n\n\n

M\u00e4n: 10 % <\/p>\n\n\n\n

Totalt: 7 % <\/p>\n\n\n\n

Unders\u00f6kningen \u00e4r genomf\u00f6rd av opinions- och marknadsunders\u00f6kningsf\u00f6retaget YouGov, p\u00e5 uppdrag av Nordnet. Under perioden 16-19 februari 2024 har sammanlagt 1 002 intervjuer via internet genomf\u00f6rts med m\u00e4n och kvinnor 18+ \u00e5r i Sverige. Urvalet \u00e4r representativt f\u00f6r den svenska befolkningen avseende k\u00f6n, \u00e5lder och region.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Allt f\u00e4rre kvinnor uppger att de har ett eget sparande. Bland m\u00e4nnen \u00f6kar d\u00e4remot sparandet. Det visar en ny unders\u00f6kning fr\u00e5n Nordnet. Sedan 2020 har Nordnet, med hj\u00e4lp av unders\u00f6kningsf\u00f6retaget Yougov, unders\u00f6kt i vilken utstr\u00e4ckning svenska kvinnor har ett eget sparande som \u00e4r tillr\u00e4ckligt stort f\u00f6r att f\u00f6r\u00e4ndra den egna livssituationen, exempelvis l\u00e4mna en relation […]<\/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":[4764],"tags":[72],"class_list":["post-79754","post","type-post","status-publish","format-standard","hentry","category-female-network","tag-fonder"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/08\/230509_Frida_Bratt_08-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/08\/230509_Frida_Bratt_08-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/08\/230509_Frida_Bratt_08-620x222.jpg 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