{"id":6878,"date":"2018-03-29T09:42:17","date_gmt":"2018-03-29T07:42:17","guid":{"rendered":"https:\/\/financer.dk\/?page_id=6878"},"modified":"2024-08-21T09:11:46","modified_gmt":"2024-08-21T07:11:46","slug":"spar","status":"publish","type":"page","link":"https:\/\/financer.dk\/spar\/","title":{"rendered":"Opsparing og investering"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Investering_af_opsparing\">Investering af opsparing<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Bedste aktieplatforme<\/h3><ul>\n<li><strong>Bedst til begyndere:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/selskab\/etoro\/\">eToro<\/a> &#8211; <strong>Anbefalet af Financer.dk i 2024<\/strong><\/li>\n<li><strong>Bedste all-around aktieplatform:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\">SaxoInvestor<\/a><\/li>\n<li><strong>Bedst til opsparing:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\">Freedom24<\/a>\u00a0<\/li>\n<li><strong>Bedste brugerflade for danskere:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\">Nordnet<\/a>\u00a0<\/li>\n<li><strong>Bedst til at handle europ\u00e6iske aktier:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/selskab\/degiro\/\">DEGIRO<\/a>\u00a0<\/li>\n<\/ul><\/div>\n\n\n<p id=\"Investering_af_opsparing\">Hvad er den bedste m\u00e5de at spare op p\u00e5? Skal man investere sin formue i aktier, ejendomme eller m\u00e5ske beholde dem i banken?<\/p>\n\n\n\n<p>Det kigger vi n\u00e6rmere p\u00e5 i denne artikel.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Vigtigste_pointer_i_artiklen\">Vigtigste pointer i artiklen<\/h3><ul>\n<li>Invester din opsparing, s\u00e5 den ikke bliver spist op af inflationen.<\/li>\n<li>Det er en god id\u00e9 at have en n\u00f8dreserve, f\u00f8r du begynder at investere dine penge, medmindre der er tale om pension.<\/li>\n<li>Investering i aktier via passive indeksfonde har v\u00e6ret en god m\u00e5de at investere sin opsparing p\u00e5 lang sigt, da aktiemarkedet generelt er steget.<\/li>\n<li>Ejendomsinvestering er en anden god mulighed, men pas p\u00e5 med at s\u00e6tte dig for dyrt.<\/li>\n<li>Banken tager ofte un\u00f8dvendigt h\u00f8je gebyrer for at investere din opsparing, og det kan koste dig dyrt p\u00e5 lang sigt, s\u00e5 v\u00e6r varsom med at f\u00f8lge din bankr\u00e5dgivers anbefalinger.<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Derfor_skal_du_investere_din_opsparing\">Derfor skal du investere din opsparing<\/h3>\n\n\n\n<p>Den danske inflation har i snit ligger p\u00e5 1,61% siden \u00e5r 2000.<\/p>\n\n\n\n<p>Det betyder i praksis, at du ville kunne f\u00e5 det samme for 10.000 kr. i slutningen af \u00e5r 2020, som du kunne f\u00e5 for ca. 6.600 kr. i starten af \u00e5r 2000.<\/p>\n\n\n\n<p>Alts\u00e5 et tab af k\u00f8bekraft p\u00e5 n\u00e6sten 34% over de 21 \u00e5r.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"103\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-1024x103.png\" alt=\"\" class=\"wp-image-21873\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-1024x103.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-300x30.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-768x78.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-1536x155.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/inflation-danmark-2048x207.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Sk\u00e6rmklip fra Danmarks Statistik<\/figcaption><\/figure><\/div>\n\n\n<p>Ved at investere din opsparing, undg\u00e5r du at dine penge bliver mindre v\u00e6rd p\u00e5 lang sigt, og du f\u00e5r mere ud af dine h\u00e5rdt tjente penge.<\/p>\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\">\n<table>\n<thead>\n<tr>\n<th>Selskab<\/th>\n<th>Trustpilot<\/th>\n<th>Kurtage p\u00e5 k\u00f8b<\/th>\n<th>Oprettelse<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\">Freedom24<\/a><\/td>\n<td>3,9\/5 stjerner<\/td>\n<td>0,02 EUR (minimum 2 EUR)<\/td>\n<td>Gratis<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\">eToro<\/a><\/td>\n<td>4,2\/5 stjerner<\/td>\n<td>0% &#8211; 0 kr.<\/td>\n<td>Gratis<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\">SaxoInvestor<\/a><\/td>\n<td>NA<\/td>\n<td>0,8% (minimum 10 kr.)<\/td>\n<td>Gratis<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\">Nordnet<\/a><\/td>\n<td>2,8\/5 stjerner<\/td>\n<td>0,10% (minimum 29 kr.)<\/td>\n<td>Gratis<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n<div class='fn_block block_fn_msg_box cost search-hero--bg1'><h3>\u00c6der h\u00f8j kurtage dit afkast?<\/h3><p>Spar tusindvis af kroner ved at v\u00e6lge den rigtige aktieplatform<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.dk\/spar\/bedste-aktieplatform\/' class='button is-normal is-primary is-rounded'>Se de bedste aktieplatforme<\/a><\/p><\/div><h2 class=\"wp-block-heading\" id=\"Kontant_opsparing\">Kontant opsparing<\/h2>\n\n\n\n<p>F\u00f8r du begynder at investere din opsparing, er det en god id\u00e9 at have en mindre kontant opsparing, eller en n\u00f8dreserve til \u00f8konomiske n\u00f8dstilf\u00e6lde.<\/p>\n\n\n\n<p>Typisk anbefales det, at man har en n\u00f8dreserve p\u00e5 2-6 m\u00e5neders forbrug.<\/p>\n\n\n\n<p>Se om du kan finde en l\u00f8nkonto med en udm\u00e6rket rente, s\u00e5 du ikke mister for mange penge til inflationen.<\/p>\n\n\n\n<p>F.eks. har L\u00e5n &amp; Spar Bank en l\u00f8nkonto med 3% i rente op til 50.000 kr. <\/p>\n\n\n\n<p>F\u00e5 at f\u00e5 adgang til den, kr\u00e6ver det, at du er medlem af en af de fagforeninger, de samarbejder med.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sdan_sikrer_ndreserven_dig\">S\u00e5dan sikrer n\u00f8dreserven dig<\/h3>\n\n\n\n<p>Det er nemt at se fordelen ved at have en n\u00f8dreserve i ens dagligdag, men den sikrer ogs\u00e5 dig fra at falde i disse investeringsf\u00e6lder:<\/p>\n\n\n\n<ul>\n<li><strong>Invester ikke penge, du skal bruge snart. <\/strong>Hvis du sparer op til en bil, og forventer at k\u00f8be den om 6 m\u00e5neder, s\u00e5 lad v\u00e6re med at investere de penge du skal bruge til bilen. Aktier og andre investeringer kan have relativt store udsving p\u00e5 kort sigt, s\u00e5 risikoen for at miste pengene er for stor, hvis din tidshorisont er kort.<\/li>\n\n\n\n<li><strong>Invester ikke penge, du ikke kan t\u00e5le at tabe. <\/strong>Der f\u00f8lger risiko med al investering, uanset hvad du investerer i. Ved at opbygge en n\u00f8dreserve, sikrer du dig, at du har en buffer, selv hvis din investerede opsparing skulle falde drastisk i v\u00e6rdi.<\/li>\n<\/ul>\n\n\n\n<p>Du kan stadigv\u00e6k investere din pensionsopsparing uden en n\u00f8dreserve, eftersom den ikke er valgfri, og du alligevel ikke kan f\u00e5 pengene udbetalt f\u00f8r pensionsalderen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Opsparing_i_aktier\">Opsparing i aktier<\/h2>\n\n\n\n<p>Det er ingen d\u00e5rlig id\u00e9 at <a href=\"https:\/\/financer.dk\/guide\/aktier-for-begyndere\/\" data-type=\"how_to\" data-id=\"4126\">investere sin opsparing i aktier<\/a>. I gennemsnit stiger aktiemarkedet med 7-8% om \u00e5ret, justeret fra inflation.<\/p>\n\n\n\n<p>Det er et tal, der ofte refereres til i aktieverdenen, og det er baseret p\u00e5 det amerikanske S&amp;P 500 <a href=\"https:\/\/financer.dk\/wiki\/indeksfonde\/\" data-type=\"wiki\" data-id=\"21798\">indeks<\/a>, som indeholder lidt over 500 aktier og d\u00e6kker ca. 80% af v\u00e6rdien af de amerikanske aktier.<\/p>\n\n\n\n<p>Kigger vi p\u00e5 MSCI World indekset, har det gennemsnitlige afkast v\u00e6ret 10,81% p.a. mellem december 1978 og december 2020, <strong>ikke<\/strong> justeret for inflation.<\/p>\n\n\n\n<p>MSCI World indekset afspejler udviklingen p\u00e5 aktiemarkederne i hele verden, og repr\u00e6senterer 23 udviklede lande, og over 1.500 aktier.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/03\/etoro-logo.png\" class=\"attachment-full size-full\" alt=\"eToro anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>8.117<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >30 millioner brugere, og er den st\u00f8rste sociale handelsplatform i verden<\/li><li >Du kan investere p\u00e5 +5.000 finansielle instrumenter<\/li><li >eToro Group samarbejder med verdenskendte bankpartnere, som J.P Morgan, Deutche Bank, UBP mf.<\/li><li >Kopi\u00e9r de bedste investorer med eToros innovative CopyTrader<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta som CFD&#8217;er<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Under opsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Udvalg<\/span><span class=\"items-content__card-datapoint-value\">+5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,5% &#8211; 1,5%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">51%<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"17025\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >51% af detailinvestorkonti mister penge ved handel med CFD&#8217;er hos denne udbyder. Du b\u00f8r overveje, om du har r\u00e5d til at l\u00f8be den h\u00f8je risiko for at miste dine penge.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2022\/05\/freedom24-logo-1.png\" class=\"attachment-full size-full\" alt=\"Freedom24 anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.529<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Direkte adgang til et omfattende udvalg af aktier og andre finansielle instrumenter<\/li><li >Mulighed for at opn\u00e5 passive indt\u00e6gter p\u00e5 uinvesterede midler med en D-konto<\/li><li >Freedom24 giver dig gratis investeringsideer og analyser<\/li><li >Brugervenlig platform og gratis oprettelse<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,02% (min. 2 EUR)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"27604\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/freedom24\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>7.397<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Opret konto gratis, intet minimumsindskud<\/li><li >0,08% i kurtage, mindst 10 kr.<\/li><li >Stort udvalg af danske aktier<\/li><li >Bruger- og begyndervenlig platform<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Ja &#8211; Krypto ETF&#8217;er<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,8% (min. 1 USD)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"21131\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>5.614<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Opret konto gratis, intet minimumsindskud<\/li><li >0,10% i kurtage, mindst 29 kr.<\/li><li >Relativt stort udvalg af danske aktier<\/li><li >Mest popul\u00e6re platform i Danmark og resten af Norden<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Ja &#8211; Via certifikater<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,10% (min 29 kr.)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,15%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4068\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/nordnet\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/degiro\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/11\/degiro-logo-1.png\" class=\"attachment-full size-full\" alt=\"Degiro anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.103<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Lave gebyrer: DEGIRO tilbyder nogle af markedets laveste gebyrer for handel med aktier, obligationer, ETF&#8217;er, optioner og futures.<\/li><li >Adgang til globale markeder: Med DEGIRO kan investorer handle p\u00e5 mere end 50 b\u00f8rser verden over, herunder i Europa.<\/li><li >Brugervenlig platform: DEGIRO&#8217;s handelsplatform er designet til at v\u00e6re intuitiv og brugervenlig<\/li><li >hos DEGIRO f\u00e5r du dansk kundesupport<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">10 kr. + 10kr. i h\u00e5ndtering<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/degiro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"21291\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/degiro\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/degiro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/degiro\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Investering indeb\u00e6rer risiko for tab.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Tnk_langsigtet\">T\u00e6nk langsigtet<\/h3>\n\n\n\n<p>Aktiemarkedet kan have udsving fra \u00e5r til \u00e5r. Nogen \u00e5r g\u00e5r det nedad, andre g\u00e5r det op. Pointen er, at det altid har g\u00e5et opad p\u00e5 den lange bane.<\/p>\n\n\n\n<p>Her taler vi om markedet generelt, ikke enkelte aktier.<\/p>\n\n\n\n<p>Ingen kan forudse hvad der sker med aktiemarkedet fremadrettet, og historisk afkast er selvf\u00f8lgelig ingen garanti for fremtidige afkast. Men hvad vi har at kigge p\u00e5 er historikken, s\u00e5 det g\u00f8r vi.<\/p>\n\n\n\n<p>Her er det interessant at kigge p\u00e5, hvor meget det varierer. Se f.eks. udviklingen af S&amp;P 500 de seneste 50 \u00e5r:<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"629\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar-1024x629.png\" alt=\"\" class=\"wp-image-21874\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar-1024x629.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar-300x184.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar-768x472.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar-246x152.png 246w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2021\/02\/sp500-indeks-50ar.png 1257w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>\u00c5r med afkast p\u00e5 20% eller mere:<\/strong> 18<\/li>\n\n\n\n<li><strong>\u00c5r med afkast p\u00e5 10-20%:<\/strong> 13<\/li>\n\n\n\n<li><strong>\u00c5r med afkast p\u00e5 0-10%:<\/strong> 5<\/li>\n\n\n\n<li><strong>\u00c5r med tab p\u00e5 0-10%:<\/strong> 5<\/li>\n\n\n\n<li><strong>\u00c5r med tab p\u00e5 10-20%:<\/strong> 2<\/li>\n\n\n\n<li><strong>\u00c5r med tab p\u00e5 20% eller mere:<\/strong> 3<\/li>\n<\/ul>\n\n\n\n<p>Som du kan se, g\u00e5r det ikke altid opad, men det har det gjort p\u00e5 lang sigt.<\/p>\n\n\n\n<p>N\u00e5r man investerer sin opsparing, er det vigtigt ikke at begynde at s\u00e6lge ud af den, s\u00e5 snart aktiemarkedet g\u00e5r nedad.<\/p>\n\n\n\n<p>Faktisk er mange investorer glade for at k\u00f8be aktier, netop n\u00e5r det g\u00e5r skidt p\u00e5 aktiemarkedet.<\/p>\n\n\n\n<p>Det er fordi de kan f\u00e5 \u201drabat\u201d med forventningen om, at markedet vender igen, hvilket det altid har gjort historisk set.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Hvordan_investerer_man_opsparingen_i_aktier\">Hvordan investerer man opsparingen i aktier?<\/h3>\n\n\n\n<p>Det bedste at g\u00f8re er at v\u00e6lge en uafh\u00e6ngig aktieplatform og komme i gang.<\/p>\n\n\n\n<p>Hvis du vil investere din opsparing l\u00f8bende hver eneste m\u00e5ned, kan du f.eks. pr\u00f8ve Nordnets M\u00e5nedsopsparing, hvor du kan investere m\u00e5nedligt i <a href=\"https:\/\/financer.dk\/wiki\/indeksfonde\/\" data-type=\"wiki\" data-id=\"21798\">indeksfonde<\/a>.<\/p>\n\n\n\n<p>Her kan du nemlig investere automatisk, spare k\u00f8bskurtagen, og komme i gang for selv sm\u00e5 bel\u00f8ber.<\/p>\n\n\n\n<p><strong>L\u00e6s evt. disse artikler for at komme i gang:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.dk\/guide\/aktier-for-begyndere\/\" data-type=\"how_to\" data-id=\"4126\">Aktier for begyndere<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.dk\/spar\/bedste-aktieplatform\/\">Bedste sted at handle aktier<\/a><\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Top_handelsplatforme_med_mnedsopsparing\">Top handelsplatforme med m\u00e5nedsopsparing<\/h3><ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/nordnet-maanedsopsparing\/\">Nordnet M\u00e5nedsopsparing<\/a><\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\">eToro<\/a><\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\">Freedom24<\/a><\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/plus500\/\">Plus500<\/a><\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\">SaxoInvestor<\/a><\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/spar\/bedste-aktieplatform\/\"   class=\"button is-normal is-primary is-rounded is-large\">Sammenlign handelsplatform <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Opsparing_i_ejendom\">Opsparing i ejendom<\/h2>\n\n\n\n<p>At have sine penge i mursten giver mening for rigtig mange mennesker, eftersom boligk\u00f8b i forvejen er en del af manges m\u00e5l i livet.<\/p>\n\n\n\n<p>Ejendomsinvestering har ogs\u00e5 vist sig at v\u00e6re en rigtig god investering p\u00e5 lang sigt, da boligmarkedet i gennemsnit er steget med ca. 8% om \u00e5ret, justeret for inflation.<\/p>\n\n\n\n<p>Du har alts\u00e5 kunne opn\u00e5 ca. det samme afkast som p\u00e5 aktiemarkedet.<\/p>\n\n\n\n<p>Aktieinvestering og ejendomsinvestering og dog vidt forskellige af natur. Aktier er v\u00e6rdipapirer, hvorimod en ejendom er en bolig, man fysisk kan bo i.<\/p>\n\n\n\n<p>Et boligk\u00f8b er ogs\u00e5 en langt st\u00f8rre beslutning, end det er at k\u00f8be en pose aktier.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Fordele_ved_opsparing_i_ejendom\">Fordele ved opsparing i ejendom<\/h3><li><p>Du kan tage et realkreditl\u00e5n, typisk op til 80%, med en god rente til at foretage investeringen.<\/p>\n<\/li><li><p>Dine penge er bundet i noget fysisk, og selvom boligens v\u00e6rdi skulle falde p\u00e5 kort sigt, har du stadigv\u00e6k et sted at bo.<\/p>\n<\/li><li><p><span style='font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Oxygen-Sans, Ubuntu, Cantarell, \"Helvetica Neue\", sans-serif;'>Du kan aktivt \u00f8ge v\u00e6rdien af din investering, f.eks. gennem renovering eller tilbygning.<\/span><\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"_Ulemper_ved_opsparing_i_ejendom\">Ulemper ved opsparing i ejendom<\/h3><li>\n<p>Det kr\u00e6ver en startkapital p\u00e5 20% af boligens v\u00e6rdi.<\/p>\n<\/li><li>\n<p>Hvis du vil leje boligen ud, kr\u00e6ver det m\u00e5ske, at du aktivt skal finde en lejer.<\/p>\n<\/li><li>\n<p>En bolig kan tage lang tid at s\u00e6lge igen.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip_kb_mindre_hus_end_du_har_rd_til\">Tip: k\u00f8b mindre hus end du har r\u00e5d til<\/h3>Hvis du skulle blive arbejdsl\u00f8s eller p\u00e5 anden m\u00e5de komme i \u00f8konomisk knibe, kan en dr\u00f8mmebolig hurtigt blive til et mareridt, hvis du har sat dig for dyrt.\nHvis du vil opbygge en formue, handler det om at bruge mindre end du tjener.\nFriv\u00e6rdien, alts\u00e5 de penge du vil st\u00e5 tilovers med, hvis du solgte din bolig her og nu, i din bolig kan hurtigt falde, hvis markedet skulle g\u00e5 hurtigt nedad.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Pas_p_med_investering_hos_banken\">Pas p\u00e5 med investering hos banken<\/h2>\n\n\n\n<p>Hvis du investerer med hj\u00e6lp fra banken, investeres dine penge typisk i aktier og obligationer. <\/p>\n\n\n\n<p>Her skal du v\u00e6re opm\u00e6rksom p\u00e5, at selvom bankens r\u00e5dgivning ikke n\u00f8dvendigvis er d\u00e5rlig, er den <strong>ikke<\/strong> gratis.<\/p>\n\n\n\n<p>Du modtager godt nok ingen regning, men du betaler en procentdel af din opsparing i omkostninger hvert \u00e5r.<\/p>\n\n\n\n<p>Typisk er en banks procent p\u00e5 <a href=\"https:\/\/taenk.dk\/test-og-forbrugerliv\/privatoekonomi-og-aftaler\/investering\/bankraadgivning-aeder-din-opsparing\">1,5% om \u00e5ret<\/a>, hvilket er utrolig meget p\u00e5 lang sigt. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Det_er_mange_penge_p_lang_sigt\">Det er mange penge p\u00e5 lang sigt<\/h3>\n\n\n\n<p>Lad os sige, at vi indbetaler 4.000 kr. til vores pensionsopsparing om m\u00e5neden, svarende til 48.000 kr. om \u00e5ret, og vores tidshorisont er 40 \u00e5r.<\/p>\n\n\n\n<p>Opn\u00e5r vi et gennemsnitligt afkast p\u00e5 7% om \u00e5ret, vil vores penge vokse sig til 10.305.102,80 kr., hvoraf vi selv har investeret 1.920.000 kr.<\/p>\n\n\n\n<p>Hvis vi tr\u00e6kker 1,5% fra det gennemsnitlige afkast, svarende til en typisk banks gebyrer, lander vores pensionsopsparing p\u00e5 blot 6.967.425,15 kr. efter de 40 \u00e5r er g\u00e5et.<\/p>\n\n\n\n<p>Det er alts\u00e5 en forskel p\u00e5 over 3 millioner kroner i sidste ende. Vi har brugt vores <a href=\"https:\/\/financer.dk\/beregn\/rentes-rente\/\">renters rente beregner<\/a> til at komme frem til tallene.<\/p>\n\n\n\n<p>Her kan du se hvad 4.000 kr. om m\u00e5neden kan vokse sig til p\u00e5 lang sigt med renters rente.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Antal \u00e5r<\/th><th>4%<\/th><th>5%<\/th><th>6%<\/th><th>7%<\/th><th>8%<\/th><\/tr><\/thead><tbody><tr><td>10<\/td><td>590.963 kr.<\/td><td>623.717 kr.<\/td><td>658.795 kr.<\/td><td>696.378 kr.<\/td><td>736.663 kr.<\/td><\/tr><tr><td>20<\/td><td>1.471.989 kr.<\/td><td>1.650.985 kr.<\/td><td>1.857.404 kr.<\/td><td>2.095.862 kr.<\/td><td>2.371.789 kr.<\/td><\/tr><tr><td>30<\/td><td>2.785.452 kr.<\/td><td>3.342.906 kr.<\/td><td>4.038.150 kr.<\/td><td>4.908.350 kr.<\/td><td>6.001.181 kr.<\/td><\/tr><tr><td>40<\/td><td>4.743.605 kr.<\/td><td>6.129.514 kr.<\/td><td>8.005.793 kr.<\/td><td>10.560.500 kr.<\/td><td>14.057.125 kr.<\/td><\/tr><tr><td>50<\/td><td>7.662.884 kr.<\/td><td>10.719.085 kr.<\/td><td>15.224.508 kr.<\/td><td>20.395.177 kr.<\/td><td>31.938.423 kr.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Som du kan se, spiller en enkelt procent mere eller mindre en k\u00e6mpestor rolle, specielt p\u00e5 den lange bane. <\/p>\n\n\n\n<p>Jo l\u00e6ngere din tidshorisont, jo mere betyder omkostningerne.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/03\/etoro-logo.png\" class=\"attachment-full size-full\" alt=\"eToro anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>8.117<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >30 millioner brugere, og er den st\u00f8rste sociale handelsplatform i verden<\/li><li >Du kan investere p\u00e5 +5.000 finansielle instrumenter<\/li><li >eToro Group samarbejder med verdenskendte bankpartnere, som J.P Morgan, Deutche Bank, UBP mf.<\/li><li >Kopi\u00e9r de bedste investorer med eToros innovative CopyTrader<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b af kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Ja &#8211; Bitcoin CFD &amp; Ethereum CFD<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Under opsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0% \/ 0 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,5% &#8211; 1,5%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">76%<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"17025\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >51% af detailinvestorkonti mister penge ved handel med CFD&#8217;er hos denne udbyder. Du b\u00f8r overveje, om du har r\u00e5d til at l\u00f8be den h\u00f8je risiko for at miste dine penge.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Hvordan_kan_jeg_slippe_billigere\">Hvordan kan jeg slippe billigere?<\/h3>\n\n\n\n<p>Det indlysende sp\u00f8rgsm\u00e5l er nu, hvordan vi kan minimere vores omkostninger. Heldigvis er det ikke s\u00e6rlig sv\u00e6rt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Passive_fonde\">Passive fonde<\/h3>\n\n\n\n<p>En bankr\u00e5dgiver anbefaler typisk, at du investerer i aktivt forvaltede fonde, og typisk modtager banken betaling fra netop de fonde, de anbefaler.<\/p>\n\n\n\n<p>Aktivt forvaltede fonde er dyrere, fordi der sidder eksperter og h\u00e5ndplukker aktierne til fonden.<\/p>\n\n\n\n<p>Passive fonde har derimod lave \u00e5rlige omkostninger, og selvom de er passive, giver de ofte et bedre afkast end aktivt forvaltede fonde.<\/p>\n\n\n\n<p>Selv professionelle investorer er sj\u00e6ldent i stand til at sl\u00e5 markedet, og derfor er det b\u00e5de nemmere og mere sikkert at minimere sine omkostninger, end det er at maksimere sit afkast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Uafhngige_handelsplatforme\">Uafh\u00e6ngige handelsplatforme<\/h3>\n\n\n\n<p>Hvis du selv vil handle, kan du spare mange penge ift. banken, ved at benytte dig af en uafh\u00e6ngig handelsplatform.<\/p>\n\n\n\n<p>Nogen af de bedste er <a href=\"https:\/\/financer.dk\/selskab\/etoro\/\">eToro<\/a>, <a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\">Saxo Bank<\/a>, <a href=\"https:\/\/financer.dk\/selskab\/degiro\/\">Degiro<\/a> og <a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\">Nordnet<\/a>. Her har du b\u00e5de et stort udvalg af <a href=\"https:\/\/financer.dk\/blog\/investeringsmuligheder\/\" data-type=\"post\" data-id=\"10607\">investeringsmuligheder<\/a>, og samtidig gode priser.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/03\/etoro-logo.png\" class=\"attachment-full size-full\" alt=\"eToro anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>8.117<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >30 millioner brugere, og er den st\u00f8rste sociale handelsplatform i verden<\/li><li >Du kan investere p\u00e5 +5.000 finansielle instrumenter<\/li><li >eToro Group samarbejder med verdenskendte bankpartnere, som J.P Morgan, Deutche Bank, UBP mf.<\/li><li >Kopi\u00e9r de bedste investorer med eToros innovative CopyTrader<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta som CFD&#8217;er<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Under opsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Udvalg<\/span><span class=\"items-content__card-datapoint-value\">+5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,5% &#8211; 1,5%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">51%<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/etoro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"17025\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/etoro\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >51% af detailinvestorkonti mister penge ved handel med CFD&#8217;er hos denne udbyder. Du b\u00f8r overveje, om du har r\u00e5d til at l\u00f8be den h\u00f8je risiko for at miste dine penge.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2022\/05\/freedom24-logo-1.png\" class=\"attachment-full size-full\" alt=\"Freedom24 anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.529<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Direkte adgang til et omfattende udvalg af aktier og andre finansielle instrumenter<\/li><li >Mulighed for at opn\u00e5 passive indt\u00e6gter p\u00e5 uinvesterede midler med en D-konto<\/li><li >Freedom24 giver dig gratis investeringsideer og analyser<\/li><li >Brugervenlig platform og gratis oprettelse<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,02% (min. 2 EUR)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"27604\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/freedom24\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/freedom24\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/10\/saxoinvestor-stor-min-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>7.397<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Opret konto gratis, intet minimumsindskud<\/li><li >0,08% i kurtage, mindst 10 kr.<\/li><li >Stort udvalg af danske aktier<\/li><li >Bruger- og begyndervenlig platform<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Ja &#8211; Krypto ETF&#8217;er<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,8% (min. 1 USD)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"21131\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/saxoinvestor\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/06\/nordnet-stor-min-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>5.614<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Opret konto gratis, intet minimumsindskud<\/li><li >0,10% i kurtage, mindst 29 kr.<\/li><li >Relativt stort udvalg af danske aktier<\/li><li >Mest popul\u00e6re platform i Danmark og resten af Norden<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Ja &#8211; Via certifikater<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">0,10% (min 29 kr.)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,15%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4068\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordnet\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/nordnet\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/degiro\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/11\/degiro-logo-1.png\" class=\"attachment-full size-full\" alt=\"Degiro anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.103<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Lave gebyrer: DEGIRO tilbyder nogle af markedets laveste gebyrer for handel med aktier, obligationer, ETF&#8217;er, optioner og futures.<\/li><li >Adgang til globale markeder: Med DEGIRO kan investorer handle p\u00e5 mere end 50 b\u00f8rser verden over, herunder i Europa.<\/li><li >Brugervenlig platform: DEGIRO&#8217;s handelsplatform er designet til at v\u00e6re intuitiv og brugervenlig<\/li><li >hos DEGIRO f\u00e5r du dansk kundesupport<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f8b kryptovaluta<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Demokonto<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Finanstilsyn<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Mobilapp<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kurtage aktier<\/span><span class=\"items-content__card-datapoint-value\">10 kr. + 10kr. i h\u00e5ndtering<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Copy Trading<\/span><span class=\"items-content__card-datapoint-value\">Nej<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Vekselgebyr<\/span><span class=\"items-content__card-datapoint-value\">0,25%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tabsrate<\/span><span class=\"items-content__card-datapoint-value\">Ikke synlig<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/degiro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"21291\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/degiro\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/degiro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/degiro\/#read-reviews\">1<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Investering indeb\u00e6rer risiko for tab.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.dk\/spar\/bedste-aktieplatform\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Sammenlign aktieplatforme<\/a><\/div>\n\n\n<div class='fn_block block_fn_msg_box rocket search-hero--bg1'><h3>H\u00f8jere afkast p\u00e5 5 minutter.<\/h3><p>V\u00e6lg en dedikeret handelsplatform fremfor banken og spar<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.dk\/spar\/bedste-aktieplatform\/' class='button is-normal is-primary is-rounded'>Se de bedste aktieplatforme<\/a><\/p><\/div><h2 class=\"wp-block-heading\" id=\"Hvad_skal_jeg_investere_min_opsparing_i\">Hvad skal jeg investere min opsparing i?<\/h2>\n\n\n\n<p>Hvad netop du skal investere i, er op til dig. Et godt sted at starte for de fleste er aktier, fordi du ikke beh\u00f8ver vide s\u00e5 meget om det, s\u00e5 l\u00e6nge du investerer bredt.<\/p>\n\n\n\n<p>Du kan dog sagtens kombinere flere investeringsmuligheder. F.eks. kan du begynde med at spare op i aktier, og senere investere i ejendomme.<\/p>\n\n\n\n<p>Der er dog en god pointe i at <strong>starte tidligt<\/strong>. Jo f\u00f8r du begynder, jo mere f\u00e5r du ud af <a href=\"https:\/\/financer.dk\/beregn\/rentes-rente\/\" data-type=\"page\" data-id=\"1803\">renters rente-effekten<\/a>.<\/p>\n\n\n\n<p>Det er bevist flere gange, at <strong>tid i markedet<\/strong> er b\u00e5de nemmere og bedre end at <strong>time markedet<\/strong>, alts\u00e5 at investere p\u00e5 pr\u00e6cis det rigtige tidspunkt.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.dk\/guide\/aktier-for-begyndere\/\" data-type=\"how_to\" data-id=\"4126\">L\u00e6s mere om investering i aktier.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investering af opsparing Hvad er den bedste m\u00e5de at spare op p\u00e5? Skal man investere sin formue i aktier, ejendomme\u2026 <\/p>\n","protected":false},"author":25,"featured_media":4821,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[56],"tags":[7],"_links":{"self":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/6878"}],"collection":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/comments?post=6878"}],"version-history":[{"count":50,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/6878\/revisions"}],"predecessor-version":[{"id":81634,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/6878\/revisions\/81634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media\/4821"}],"wp:attachment":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media?parent=6878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/categories?post=6878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/tags?post=6878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}