{"id":86988,"date":"2026-02-18T14:41:57","date_gmt":"2026-02-18T13:41:57","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=86988"},"modified":"2026-03-10T16:55:40","modified_gmt":"2026-03-10T15:55:40","slug":"hur-skulle-du-investera-100-000-kr","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/hur-skulle-du-investera-100-000-kr\/","title":{"rendered":"Hur skulle du investera 100 000 kr?"},"content":{"rendered":"\n<p>Hur skulle du investera 100 000 kr om du startade ett l\u00e5ngsiktigt sparande idag? Det \u00e4r en fr\u00e5ga m\u00e5nga st\u00e4ller sig, inte minst till oss p\u00e5 Nordnet.<\/p>\n\n\n\n<p>Det finns inte ett r\u00e4tt svar p\u00e5 den h\u00e4r fr\u00e5gan, men vi har l\u00e5tit v\u00e5ra experter i de l\u00e4nder vi finns representerade tycka till. Vi b\u00f6rjar med Ara Mustafa som \u00e4r investeringscoach hos oss i Sverige.<\/p>\n\n\n\n<p>Kom ih\u00e5g att detta inte ska betraktas som investeringsr\u00e5dgivning. Du b\u00f6r alltid fatta dina egna investeringsbeslut.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#00f0e1\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"ara-mustafa-investeringscoach-i-nordnet-sverige\">Ara Mustafa \u2013 investeringscoach i Nordnet Sverige<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"435\" src=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png.jpg\" alt=\"\" class=\"wp-image-87008\" srcset=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png.jpg 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-620x225.jpg 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-1024x371.jpg 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-768x278.jpg 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-500x181.jpg 500w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-800x290.jpg 800w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-370x134.jpg 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-270x98.jpg 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-570x207.jpg 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_se.png-740x268.jpg 740w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Generellt har jag en v\u00e4ldigt h\u00f6g riskvilja och skulle investera mina pengar i aktier. Den portf\u00f6lj jag beskriver h\u00e4r har en h\u00f6g risk och kr\u00e4ver en ganska l\u00e5ng tidshorisont (+10 \u00e5r), men jag \u00e4r ung och kan ge det den tid som kr\u00e4vs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"35-emerging-markets\">35% \u2013 Emerging Markets<\/h4>\n\n\n\n<p>Jag har en stark tro p\u00e5 ekonomierna i Asien generellt, och s\u00e4rskilt de sydostasiatiska. De har en stor, ung och v\u00e4lutbildad befolkning. I den h\u00e4r regionen skulle jag f\u00f6rs\u00f6ka hitta aktier inom tech-industrin som har en teknologisk pipeline som g\u00f6r det m\u00f6jligt f\u00f6r dem att f\u00e5nga upp tillv\u00e4xten l\u00e5ngt in i framtiden.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"30-usa\">30% \u2013 USA<\/h4>\n\n\n\n<p>USA \u00e4r \u2013 och kommer forts\u00e4tta att vara \u2013 centrum f\u00f6r tech och innovation under de kommande \u00e5ren. H\u00e4r f\u00f6rs\u00f6ker jag hitta f\u00f6retag inom flera tech-sektorer, men fr\u00e4mst inom utbildningsteknologi (EdTech) och finansteknologi (FinTech). Dessa undersektorer upplever en stark tillv\u00e4xt, och m\u00e5nga f\u00f6retag har n\u00e5tt en v\u00e4ndpunkt d\u00e4r de konverterar tillv\u00e4xten till allt st\u00f6rre kassafl\u00f6desmarginaler (Free Cash Flow). P\u00e5 l\u00e5ng sikt b\u00f6r det kunna hj\u00e4lpa till att driva upp aktiekurserna, \u00e4ven om de redan nu kan vara h\u00f6gt v\u00e4rderade.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"30-europa\"><strong>30% \u2013 Europa<\/strong><\/h4>\n\n\n\n<p>I Europa vill jag leta efter en bred blandning av aktier. Vissa kommer att vara inom medicinteknik (MedTech), men jag s\u00f6ker \u00e4ven aktier som inte alls tillh\u00f6r tech-branschen. Anledningen \u00e4r att m\u00e5nga f\u00f6retag i Europa, som inte \u00e4r tech-bolag, har l\u00e5ga v\u00e4rderingsmultiplar trots stabila vinster. Det betyder ofta att jag kan hitta aktier med en bra direktavkastning som fortfarande har utrymme att \u00e5terinvestera huvuddelen av sin vinst i verksamheten.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"5-ovrigt\"><strong>5% \u2013 \u00d6vrigt<\/strong><\/h4>\n\n\n\n<p>Den sista lilla delen av pengarna skulle jag investera i andra typer av tillg\u00e5ngar, som till exempel r\u00e5varor och kryptovalutor via ETF:er.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f0f0f0\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"katrine-korning-investeringscoach-i-nordnet-danmark\">Katrine Korning, investeringscoach i Nordnet Danmark<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"435\" src=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png.jpg\" alt=\"\" class=\"wp-image-87009\" srcset=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png.jpg 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-620x225.jpg 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-1024x371.jpg 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-768x278.jpg 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-500x181.jpg 500w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-800x290.jpg 800w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-370x134.jpg 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-270x98.jpg 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-570x207.jpg 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_dk.png-740x268.jpg 740w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"90-global-indexfond-med-havstang\"><strong>90% \u2013 Global indexfond med h\u00e4vst\u00e5ng<\/strong><\/h4>\n\n\n\n<p>Jag \u00e4r ingen &#8220;aktien\u00f6rd&#8221;. Missf\u00f6rst\u00e5 mig inte, jag \u00e4lskar aktiemarknaden och investeringar generellt, men jag \u00e4r inte typen som f\u00f6ljer alla \u00e5rsredovisningar och nyckeltal fr\u00e5n f\u00f6retag. D\u00e4rf\u00f6r skulle jag, f\u00f6r merparten av mina pengar, v\u00e4lja en passiv strategi d\u00e4r mina investeringar f\u00f6ljer ett index, snarare \u00e4n att f\u00f6rs\u00f6ka &#8220;cherry-picka&#8221; enskilda aktier, regioner eller branscher.<\/p>\n\n\n\n<p>Det finns gott om m\u00f6jligheter inom globala indexfonder och jag skulle v\u00e4lja en som ger mig lite extra risk och d\u00e4rmed potentiell avkastning genom en gnutta h\u00e4vst\u00e5ng. Det kan jag g\u00f6ra eftersom min investeringshorisont \u00e4r l\u00e5ng \u2013 mer \u00e4n 10 \u00e5r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"10-tematiska-etf-er\"><strong>10% \u2013 Tematiska ETF:er<\/strong><\/h4>\n\n\n\n<p>F\u00f6r resterande 10% skulle jag investera i tv\u00e5 eller tre ETF:er (b\u00f6rshandlade fonder) med ett tema som jag tror kommer att v\u00e4xa inom den n\u00e4rmsta framtiden. Det \u00e4r helt medvetet att detta \u00e4r ett mindre belopp. Investeringar \u00e4r n\u00e5got jag tycker \u00e4r sp\u00e4nnande och som ger mig m\u00f6jlighet att forts\u00e4tta l\u00e4ra mig om v\u00e4rlden och ekonomierna. D\u00e4rf\u00f6r v\u00e4ljer jag tematiska ETF:er som ger mig m\u00f6jlighet att f\u00f6lja vissa sektorer och l\u00e4ra mig om dem. Det skulle kunna vara inom guld, gruvdrift eller s\u00e4llsynta metaller \u2013 eller kanske inom kvantdatorer eller krypto.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#00f0e1\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"else-sundfor-sparekonom-i-nordnet-norge\">Else Sundf\u00f8r, sparekonom i Nordnet Norge<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"435\" src=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png.jpg\" alt=\"\" class=\"wp-image-87010\" srcset=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png.jpg 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-620x225.jpg 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-1024x371.jpg 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-768x278.jpg 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-500x181.jpg 500w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-800x290.jpg 800w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-370x134.jpg 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-270x98.jpg 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-570x207.jpg 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_no.png-740x268.jpg 740w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Om n\u00e5gon gav mig 100 000 kr och sa &#8220;Starta din dr\u00f6mportf\u00f6lj fr\u00e5n grunden&#8221;, vad skulle jag g\u00f6ra d\u00e5? Tja, jag \u00e4r inte typen som uppfinner hjulet p\u00e5 nytt, s\u00e5 mitt recept \u00e4r enkelt, globalt och med bara en gnutta av den ber\u00f6mda norska riskviljan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"40-global-indexfond-med-havstang\"><strong>40% \u2013 <strong>Global indexfond med h\u00e4vst\u00e5ng<\/strong><\/strong><\/h4>\n\n\n\n<p>Jag skulle b\u00f6rja med att placera 40% i en fond med h\u00e4vst\u00e5ng, kopplad till ett globalt index. Varf\u00f6r? Det globala indexet har historiskt presterat fantastiskt, och \u00e4rligt talat \u2013 varf\u00f6r f\u00f6rs\u00f6ka vara smartare \u00e4n marknaden? Om du har en l\u00e5ng tidshorisont kan lite h\u00e4vst\u00e5ng boosta din avkastning, s\u00e5 l\u00e4nge du \u00e4r beredd p\u00e5 att det kan sv\u00e4nga lite l\u00e4ngs v\u00e4gen. V\u00e4rlden forts\u00e4tter att snurra, tekniken kommer att utvecklas och marknaderna (\u00e4ven om de \u00e4r instabila ibland!) har en tendens att stiga om du zoomar ut tillr\u00e4ckligt l\u00e5ngt.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"30-nordiska-aktier-eller-fonder\"><strong>30% \u2013 Nordiska aktier eller fonder<\/strong><\/h4>\n\n\n\n<p>D\u00e4refter skulle jag placera 30 % i nordiska aktier \u2013 eller \u00e4nnu enklare, en bred nordisk aktiefond. Visste du att den nordiska marknaden faktiskt har \u00f6vertr\u00e4ffat det globala indexet under de senaste 55 \u00e5ren? Ibland beh\u00f6ver du inte leta l\u00e4ngre \u00e4n i din egen bakg\u00e5rd efter stora investeringsm\u00f6jligheter. Dessutom \u00e4r Norden fullt av innovativa, solida f\u00f6retag med l\u00e5g korruption och relativt \u00f6versk\u00e5dliga regulatoriska marknader.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"20-techfond-med-laga-avgifter\"><strong>20% \u2013 Techfond med l\u00e5ga avgifter<\/strong><\/h4>\n\n\n\n<p>Jag \u00e4r teknikoptimist. D\u00e4rf\u00f6r skulle jag placera 20% i en global teknikfond med l\u00e5ga avgifter. Att v\u00e4lja enskilda tech-aktier kan k\u00e4nnas lite som en gissningslek, och jag har tyv\u00e4rr ingen kristallkula som kan ber\u00e4tta f\u00f6r mig vilka f\u00f6retag som \u00f6verlever de n\u00e4sta tv\u00e5 decennierna. S\u00e5 varf\u00f6r inte l\u00e5ta en tech-indexfond diversifiera tech-exponeringen \u00e5t mig? Det \u00e4r billigare, enklare \u2013 och betydligt mindre stressigt n\u00e4r tidningarna skriver om &#8220;AI-panik&#8221;.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"10-krypto-for-skojs-skull\"><strong>10% \u2013 Krypto (f\u00f6r skojs skull)<\/strong><\/h4>\n\n\n\n<p>De sista 10% g\u00e5r till exponering mot kryptovalutor via en ETF. Japp, en liten &#8216;krydda&#8217; till portf\u00f6ljen. Jag tror verkligen att krypto har en roll att spela i framtidens finansiella landskap \u2013 om inte annat \u00e4r det en fantastisk konversationsstartare p\u00e5 n\u00e4sta firmafest. Det \u00e4r riskabelt och det kan vara volatilt, men en liten andel kan ge stor avkastning om du har tiden p\u00e5 din sida och inte tappar natts\u00f6mnen \u00f6ver prissv\u00e4ngningar.<\/p>\n\n\n\n<p>Denna portf\u00f6lj lutar definitivt mot h\u00f6gre risk och \u00e4r absolut inte f\u00f6r alla. Men med en tillr\u00e4ckligt l\u00e5ng tidshorisont, diversifierad exponering och nerverna att rida ut de tuffa perioderna, \u00e4r det en blandning som l\u00e5ter pengarna arbeta h\u00e5rt i m\u00e5nga delar av v\u00e4rlden \u2013 samtidigt som investerandet i sig blir roligt och intressant. Kom bara ih\u00e5g: ha en plan, diversifiera, och investera inte mer \u00e4n vad nerverna klarar av n\u00e4r kurserna \u00e5ker berg-och-dalbana!<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f0f0f0\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"jasmin-hamid-sparekonom-i-nordnet-finland\">Jasmin Hamid, sparekonom i Nordnet Finland<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"435\" src=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png.jpg\" alt=\"\" class=\"wp-image-87011\" srcset=\"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png.jpg 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-620x225.jpg 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-1024x371.jpg 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-150x54.jpg 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-768x278.jpg 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-500x181.jpg 500w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-800x290.jpg 800w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-370x134.jpg 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-270x98.jpg 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-570x207.jpg 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/1200x435_eg_fi.png-740x268.jpg 740w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>N\u00e4r jag b\u00f6rjade investera s\u00e5g jag faktiskt ner lite p\u00e5 fonder. Jag trodde att &#8220;riktiga investerare&#8221; var de som f\u00f6ljde m\u00e5nga bolag noga och investerade i enskilda aktier. Men s\u00e5 ser jag inte alls p\u00e5 det l\u00e4ngre. F\u00f6r om man ist\u00e4llet v\u00e4ljer att investera i en fond, har man en v\u00e4ldiversifierad portf\u00f6lj fr\u00e5n dag ett.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"60-globalfond\"><strong>60% \u2013 Globalfond<\/strong><\/h4>\n\n\n\n<p>Jag skulle b\u00f6rja med att placera 60% av pengarna i fonder, som skulle utg\u00f6ra portf\u00f6ljens h\u00f6rnstenar. Jag skulle sannolikt v\u00e4lja en globalfond, eller en som fokuserar p\u00e5 USA och Europa. Jag vill se till att f\u00e5 en tidsm\u00e4ssig diversifiering, s\u00e5 jag skulle f\u00f6rst placera en del av pengarna i en billig global obligationsfond. D\u00e4refter skulle jag automatisera investeringarna via ett m\u00e5nadssparande i mina valda indexfonder. Jag lever i mina stressigaste \u00e5r, och vardagen \u00e4r fylld av arbete och sm\u00e5barn. D\u00e4rf\u00f6r vill jag inte konstant beh\u00f6va fatta aktiva investeringsbeslut.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"30-vettiga-enskilda-aktier\"><strong>30% \u2013 Vettiga enskilda aktier<\/strong><\/h4>\n\n\n\n<p>Jag skulle reservera omkring 30% till vettiga enskilda aktier. Med vettiga menar jag bolag som har visat stabila resultat \u00f6ver l\u00e5ng tid och som har en v\u00e4letablerad position p\u00e5 marknaden och inom sin sektor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"10-extra-krydda\"><strong>10% \u2013 Extra krydda<\/strong><\/h4>\n\n\n\n<p>D\u00e4rut\u00f6ver skulle 10% av portf\u00f6ljen kunna vara en &#8216;bara f\u00f6r skojs skull-pott&#8217;. Det beloppet skulle g\u00f6ra det m\u00f6jligt att avvika fr\u00e5n den disciplinerade investeringsplanen och ha lite roligt.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vad-skulle-du-gora\">Vad skulle du g\u00f6ra?<\/h2>\n\n\n\n<p>Vi hoppas att dessa exempel har varit inspirerande att l\u00e4sa om. Ber\u00e4tta g\u00e4rna i kommentarsf\u00e4ltet nedan hur du skulle investera om du b\u00f6rjade om fr\u00e5n b\u00f6rjan idag.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Historisk avkastning \u00e4r ingen garanti f\u00f6r framtida avkastning. Det finns risk att du inte f\u00e5r tillbaka de pengar du investerat. Det \u00e4r viktigt att du l\u00e4ser p\u00e5 hur varje produkt fungerar och vilka risker som f\u00f6rknippas med dem innan du investerar. Innan du investerar i en fond, ta del av fondens informationsbroschyr och faktablad.Fonder med h\u00e4vst\u00e5ng inneb\u00e4r \u00f6kad avkastningspotential, men ocks\u00e5 \u00f6kad risk vid perioder avnegativ marknadsutveckling. B\u00f6rshandlade produkter kr\u00e4ver en god f\u00f6rst\u00e5else f\u00f6r den underliggande marknaden och produkternas specifika villkor och egenskaper. Investeringar i kryptovalutor \u00e4r volatila, komplexa och riskfyllda. Det \u00e4r h\u00f6g risk att du f\u00f6rlorar hela det investerade kapitalet.<\/p>\n\n\n\n<p>Observera att de v\u00e4rdepapper som n\u00e4mns i texten inte inneh\u00e5ller rekommendationer, utan beskriver hur en enskild sparare skulle agerat utifr\u00e5n sina individuella f\u00f6ruts\u00e4ttningar.<br><br><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hur skulle du investera 100 000 kr om du startade ett l\u00e5ngsiktigt sparande idag? Det \u00e4r en fr\u00e5ga m\u00e5nga st\u00e4ller sig, inte minst till oss p\u00e5 Nordnet. Det finns inte ett r\u00e4tt svar p\u00e5 den h\u00e4r fr\u00e5gan, men vi har l\u00e5tit v\u00e5ra experter i de l\u00e4nder vi finns representerade tycka till. Vi b\u00f6rjar med Ara [&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":[4050],"tags":[],"class_list":["post-86988","post","type-post","status-publish","format-standard","hentry","category-investeringsstrategi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/Savings_Coaches_1200x430-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2026\/01\/Savings_Coaches_1200x430-150x54.jpg 150w, 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