Sparekonomerna: the börsraset your retirement

– most of which occupational pension of a business in which you have selected mutual funds for yourself. There are equity funds is poorer than that of fixed income funds. You can also be the same as a traditional life insurance policy. Where is the risk, and the equity part is lower, but the problem is that you don't get much of the fixed-income investments was. The traditional livförsäkringarna has been good in the past few years, but it has only been in the stock market.

" I think that if it's a long time left until retirement is not a traditional life insurance policy is the best. When you're young and saving for retirement, now is a unit-linked pension insurance with the mutual funds, the better, regardless of what's happening on the stock markets for now. < / span> < / span>

– if you Have any type of generationsfond, which weighted down the risk and the closer to retirement we get, you do not need to do anything, and you don't even need to log on to the relevant Authority. The same is true if you have a long way to go to retirement, and a broad range of fondportfölj.

" that maybe you should look over his / her retirement savings, is the one that has a very niche pensionsportfölj and has made it very clear, active choice. For example, to focus on a particular type of råvarufonder, etc., but it is a very small proportion of savers.
Johanna, Clutch, sparekonom of the Avanza. Photo credit: Avanza, Avanza


For most people, there is still a small part of the pension comes from the PPM. There, I think you may have a higher tolerance for risk. However, if you are nearing retirement age, and they are very restless, folded on a little bit of time. To change the allowing you to have a higher percentage of holdings in fixed income funds than equity funds, but be careful with those bundled with the balanced products, which invest in both equities, interest rates, and other assets. The chances are that it is a very, very high cost of this type of fund. < / span> < / span>

" all of the savings you can have on the stock market, so it depends on where you are going to have the money. You will save privately for retirement is 59 years old now, so maybe you should take action right now if you have anything in stocks or mutual funds. It is to strive for a level of risk that you are comfortable with, in order that it can continue to fall, and then you have to be prepared for it.

" the Save you are, however, private pension, and 35, then I don't think you need to go out and do, but when you have to continue to save. Even if it feels like a chore to log on to the bank and make sure everything is lit with a red light.
Leigh Bratt, sparekonom in Nairobi.




– this is The most common investeringsmisstaget is that you will save the most, as prices have risen, and it's great fun, and while for the downs to become fearful and sell. This means that you are in the wrong in the timing. The stock market will rise in about three months, not to say, however, that it is most likely to do it again, ten years is a lot easier to say.

the monthly savings, is the best vaccine against the pain in his stomach because of the price. If you buy a little every month, it swears to be free from the temporary fluctuations because they buy when the stock is high, and when it is low.

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