{"id":97,"date":"2025-04-19T16:29:57","date_gmt":"2025-04-19T14:29:57","guid":{"rendered":"https:\/\/www.optimerapensionen.se\/?p=97"},"modified":"2025-04-19T16:29:58","modified_gmt":"2025-04-19T14:29:58","slug":"skydda-din-pension-i-borsnedgangen-2025","status":"publish","type":"post","link":"https:\/\/www.optimerapensionen.se\/?p=97","title":{"rendered":"Skydda din pension i b\u00f6rsnedg\u00e5ngen 2025"},"content":{"rendered":"\n

B\u00f6rsen har hittills g\u00e5tt ner under 2025 och det har i sin tur minskat v\u00e4rdet p\u00e5 pensionsspararnas tillg\u00e5ngar som \u00e4r placerade p\u00e5 b\u00f6rsen. Det \u00e4r fr\u00e4mst ett problem f\u00f6r \u00e4ldre pensionssparare som har ett st\u00f6rre kapital och n\u00e4rmar sig t\u00e4nkt uttag. F\u00f6r yngre med mindre kapital och en l\u00e4ngre tidshorisont kan det ist\u00e4llet vara ett tillf\u00e4lle att komma in p\u00e5 l\u00e4gre niv\u00e5er.<\/p>\n\n\n\n

Utvecklingen \u00e4r ett bra exempel p\u00e5 varf\u00f6r det rekommenderas att man minskar riskniv\u00e5n n\u00e4rmare t\u00e4nkt pensionuttag. Man har helt enkelt mycket att f\u00f6rlora p\u00e5 ett tapp som \u00e4r sv\u00e5rt att ta igen i n\u00e4rtid. Det g\u00f6rs vanligen genom att \u00f6ka andelen r\u00e4ntefonder och minska andelen aktiefonder.<\/p>\n\n\n\n

Nedan tabell visar t.ex. att en nedg\u00e5ng p\u00e5 50% beh\u00f6ver en uppg\u00e5ng p\u00e5 100% f\u00f6r att komma till utg\u00e5ngsl\u00e4get och det \u00e4r inte rimligt i n\u00e4rtid. <\/p>\n\n\n\n

Nedg\u00e5ng %<\/strong><\/td>Uppg\u00e5ng % till +- 0<\/strong><\/td><\/tr>
10%<\/td>11%<\/td><\/tr>
20%<\/td>25%<\/td><\/tr>
30%<\/td>43%<\/td><\/tr>
40%<\/td>67%<\/td><\/tr>
50%<\/td>100%<\/td><\/tr>
60%<\/td>150%<\/td><\/tr>
70%<\/td>233%<\/td><\/tr>
80%<\/td>400%<\/td><\/tr>
90%<\/td>900%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

S\u00e5 ju st\u00f6rre kapitalet \u00e4r, ju n\u00e4rmare t\u00e4nkt pensionsstart, desto st\u00f6rre nedsida vid en b\u00f6rsnedg\u00e5ng.<\/p>\n\n\n\n

Om man ser till de underliggande orsakerna till den senaste tidens nedg\u00e5ng s\u00e5 handlar det om att Trump har en politik kring t.ex. handel, ekonomi och s\u00e4kerhet som \u00f6kar os\u00e4kerheten i v\u00e4rlden. De negativa f\u00f6ruts\u00e4ttningarna kommer antagligen att finnas kvar under hela Trumps presidentskap. <\/p>\n\n\n\n

S\u00e5 det finns inte n\u00e5gon automatik att minskade pensionstillg\u00e5ngar kommer att studsa tillbaka i n\u00e4rtid. Oavsett b\u00f6r man justera sin riskniv\u00e5 utifr\u00e5n tidshorisont och vilken risk f\u00f6r nedg\u00e5ng man \u00e4r beredd att ta f\u00f6r potentiell avkastning.<\/p>\n\n\n\n

Samtidigt kan nedg\u00e5ngar vara tillf\u00e4llen f\u00f6r k\u00f6p p\u00e5 l\u00e5ng sikt. Som vi sett i tabellen s\u00e5 inneb\u00e4r en nedg\u00e5ng p\u00e5 50% att det \u00e4r 100% upp till utg\u00e5ngsl\u00e4get. R\u00e4knar man med att det b\u00f6r komma tillbaks p\u00e5 10 \u00e5r s\u00e5 har man en potentiell snittavkastning p\u00e5 10% per \u00e5r. Men d\u00e5 beh\u00f6ver man ha kapital att tillf\u00f6ra. Och man beh\u00f6ver d\u00e5 vara medveten om att man \u00f6kar sin riskniv\u00e5.<\/p>\n\n\n\n

Placering i globalfonder ger \u00e4ven en valutaeffekt mot fr\u00e4mst dollarn. D\u00e5 kronan har st\u00e4rkts mot dollarn sedan \u00e5rsskiftet ger det en ytterligare nedg\u00e5ng f\u00f6r globalfonder. Det \u00e4r ett argument f\u00f6r en viss \u00f6verexponering mot hemmamarknaden, Sverige. Det uppst\u00e5r d\u00e5 inte valutaeffekter eftersom b\u00e5de placering och ens utgifter sker i samma valuta.<\/p>\n\n\n\n

S\u00e5 \u00e4ven om det b\u00e4sta r\u00e5det ofta \u00e4r att ha is i magen vid b\u00f6rsnedg\u00e5ngar \u00e4r det minst lika viktigt att ha en riskniv\u00e5 som passar ens pensionsplaner.<\/p>\n","protected":false},"excerpt":{"rendered":"

B\u00f6rsen har hittills g\u00e5tt ner under 2025 och det har i sin tur minskat v\u00e4rdet p\u00e5 pensionsspararnas tillg\u00e5ngar som \u00e4r placerade p\u00e5 b\u00f6rsen. Det \u00e4r fr\u00e4mst ett problem f\u00f6r \u00e4ldre pensionssparare som har ett st\u00f6rre kapital och n\u00e4rmar sig t\u00e4nkt uttag. F\u00f6r yngre med mindre kapital och en l\u00e4ngre tidshorisont kan det ist\u00e4llet vara ett […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[13,14,9,15],"class_list":["post-97","post","type-post","status-publish","format-standard","hentry","category-okategoriserade","tag-nedgang-pa-borsen","tag-riskniva","tag-sparande","tag-uttag-pension"],"yoast_head":"\nSkydda din pension i b\u00f6rsnedg\u00e5ngen 2025 - optimerapensionen.se<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.optimerapensionen.se\/?p=97\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Skydda din pension i b\u00f6rsnedg\u00e5ngen 2025 - optimerapensionen.se\" \/>\n<meta property=\"og:description\" content=\"B\u00f6rsen har hittills g\u00e5tt ner under 2025 och det har i sin tur minskat v\u00e4rdet p\u00e5 pensionsspararnas tillg\u00e5ngar som \u00e4r placerade p\u00e5 b\u00f6rsen. Det \u00e4r fr\u00e4mst ett problem f\u00f6r \u00e4ldre pensionssparare som har ett st\u00f6rre kapital och n\u00e4rmar sig t\u00e4nkt uttag. 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