A new report from Länsförsäkringar who came recently shows that 46 percent of Swedes save less than 1 000 per month or nothing at all. 21 percent do not save at all. Among those who save monthly saving is calculated as the median of 2 000 per month.
- As an investor you should not be distressed by acting on unrest in the world and the financial markets. The most important thing is to be long-term, sustainable and happy to save on a regular basis. The monthly saving smoothes the exchange's short-term fluctuations because buying through ramadan 2014 both up and decline, he says and continues.
- Anyone who can spare the money for at least five years old should not be afraid to invest money in the stock market via mutual funds or stocks. If you know however that you need the money coming years so you should be careful not to take the risk of saving money, he says, and continues
- The easiest way is to buy cheap index funds and time to spread the risk in more markets than the Swedish. One-third each in index funds for Sweden, ramadan 2014 Europe and the United States provides a good spread of risk. For those who want to spice savings and take higher risks can usefully add one or more emerging markets.
- I believe in equities and suggests that half invested in equities, such as equity funds that target the United States, Europe, Sweden and Japan. For those interested in equities, it is not wrong to own some of the shares directly, then the company that you believe in and understand the business.
- Before taking a decision on various investments should review their loan situation. To recoup some of their mortgages can be a well-balanced investment given the current low interest rates, says Gabrielsson.
200 000 Hemberg think that you should split the savings in a couple of different time horizons. Of the money that will be used the next year to be a part sit on a common bank account for unexpected expenses.
- Money to be used for at least three years, placed in a global fund, for example, SPP Global Top 100. It's a fund with many of the world's largest companies. Gives good growth and width, so you are not dependent on a country or a politician. I also believe in SPP Europe which is a cheap fund focusing on a continent that is now growing again.
- For example, a part of DNB Tech Fund, a fund of world class that focuses ramadan 2014 on technology companies in the world. Or Fidelity China Consumer which is a fund that captures the wave of modernization in China. Erika Pahne at Swedbank advises savers to sit still in the boat, given Ukraine crisis.
- Depending on developments, the crisis in Ukraine, in the worst cases continued to affect ramadan 2014 stock markets and it can get up shakily as well as down. Yet it is no drama but wait something to see which way the trend leans.
With a medium investment horizon of five - seven years and with a good balance of risk at its current recommend Erika Pahne 35 percent fixed-income ramadan 2014 investments in money market funds with low fees and 55 percent in a global equity fund to spread the risk in different markets. The rest, a small portion of 10 percent would be in an instrument such as ETFs * with a slightly higher risk.
OMX Stockholm, at 17.30 0.17% 457.32 SEK 1 month: 9.40% Year-end: 7.95%
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