{"id":84458,"date":"2025-01-29T15:07:11","date_gmt":"2025-01-29T13:07:11","guid":{"rendered":"https:\/\/www.nordnet.fi\/blogi\/?p=84458"},"modified":"2026-01-19T13:45:45","modified_gmt":"2026-01-19T11:45:45","slug":"jag-sparar-for-battre-tider","status":"publish","type":"post","link":"https:\/\/www.nordnet.fi\/blogi\/jag-sparar-for-battre-tider\/","title":{"rendered":"Jag sparar f\u00f6r b\u00e4ttre tider"},"content":{"rendered":"\n

F\u00f6r n\u00e5gra veckor sedan b\u00f6rjade jag som sparekonom hos Nordnet. Min v\u00e4g till finansbranschen har inte varit den mest typiska. I min barndomsfamilj h\u00f6ll vi inte p\u00e5 med investeringar, min examen \u00e4r fr\u00e5n Teaterh\u00f6gskolan och min jobbhistorik best\u00e5r av en rad tillf\u00e4lliga anst\u00e4llningar. Kanske var det just den bakgrunden som gjorde att jag fr\u00e5n f\u00f6rsta b\u00f6rjan blev intresserad av pengar.<\/strong><\/p>\n\n\n\n

Lue suomeksi t\u00e4st\u00e4. L\u00e4s p\u00e5 finska h\u00e4r.<\/a><\/p>\n\n\n\n

Mina f\u00f6rsta barndomsminnen \u00e4r kopplade till l\u00e5gkonjunkturen, den s\u00e5 kallade “laman” \u2013 delade suddgummin och den os\u00e4kerhet som till och med ett barn kunde k\u00e4nna av. Redan som sju\u00e5ring best\u00e4mde jag mig f\u00f6r att jag som vuxen skulle spara s\u00e5 mycket pengar att jag aldrig mer skulle beh\u00f6va uppleva den oron.<\/p>\n\n\n\n

Jag fick med mig en bra sparmentalitet hemifr\u00e5n. Vi handlade alltid i tv\u00e5 olika butiker \u2013 i den ena var br\u00f6det billigare, i den andra yoghurten. Vid k\u00f6ksbordet r\u00e4knade vi semesterbudgetar och pratade om pengar.<\/p>\n\n\n\n

Jag \u00e4r ett klassiskt exempel p\u00e5 hur f\u00f6r\u00e4ldrars inst\u00e4llning till ekonomi f\u00f6rs vidare till barnen n\u00e4stan av sig sj\u00e4lvt.<\/p>\n\n\n\n

Men alla l\u00e4r sig inte ekonomiska f\u00e4rdigheter hemma. D\u00e4rf\u00f6r \u00e4r det viktigt att vi alla forts\u00e4tter att prata om pengar. Att vi delar med oss av spartips, pratar om investeringar och fungerar som f\u00f6rebilder f\u00f6r andra. Vi h\u00e5ller spr\u00e5ket enkelt och l\u00e5ter \u00e4ven \u201ddumma fr\u00e5gor\u201d f\u00e5 utrymme. Vi g\u00f6r det tydligt att investeringar \u00e4r n\u00e5got helt normalt och n\u00e5got som alla kan l\u00e4ra sig.<\/p>\n\n\n\n

Investeringar ger trygghet vid arbetsl\u00f6shet<\/h3>\n\n\n\n

Jag b\u00f6rjade sj\u00e4lv investera vid 26 \u00e5rs \u00e5lder. Jag hade tagit examen fr\u00e5n Teaterh\u00f6gskolan och f\u00e5tt mitt f\u00f6rsta v\u00e4lbetalda jobb i den finska tv-serien Salatut el\u00e4m\u00e4t<\/em>. Det var en tidsbegr\u00e4nsad anst\u00e4llning och jag oroade mig st\u00e4ndigt f\u00f6r vad som skulle h\u00e4nda n\u00e4r kontraktet l\u00f6pte ut. Somrar och vintrar innebar l\u00e5nga produktionsuppeh\u00e5ll, och det var sv\u00e5rt att hitta andra projekt under de perioderna.<\/p>\n\n\n\n

Jag beh\u00f6vde en trygghet och en ekonomisk buffert f\u00f6r de perioder d\u00e5 jag var arbetsl\u00f6s.<\/p>\n\n\n\n

Under mina f\u00f6rsta 26 \u00e5r var investeringar inte en del av min vardag. Inte f\u00f6r att jag hade n\u00e5got emot det, utan f\u00f6r att jag aldrig haft n\u00e5gon f\u00f6rebild. Jag k\u00e4nde ingen som investerade. Och i b\u00f6rjan av 2010-talet var \u00e4mnet inte alls lika vanligt i media som det \u00e4r idag. Det slog mig helt enkelt aldrig att investeringar var n\u00e5got jag kunde \u00e4gna mig \u00e5t.<\/p>\n\n\n\n

\n

Allt f\u00f6r\u00e4ndrades en morgon n\u00e4r min kollega, v\u00e4ldigt exalterad, stormade in i sminkrummet.<\/p>\n<\/blockquote>\n\n\n\n

Allt f\u00f6r\u00e4ndrades en morgon n\u00e4r min kollega, v\u00e4ldigt exalterad, stormade in i sminkrummet. Talvivaara hade precis sl\u00e4ppt stora nyheter och v\u00e4rdet p\u00e5 min kollegas investeringar hade skjutit i h\u00f6jden p\u00e5 ett \u00f6gonblick.<\/p>\n\n\n\n

Jag lyssnade f\u00f6rbryllat p\u00e5 hennes entusiasm. Jag hade aldrig tidigare h\u00f6rt n\u00e5gon prata om investeringar s\u00e5 \u00f6ppet. Hon rabblade summor och avkastningsprocent medan hon tog en klunk kaffe, som om hon pratade om v\u00e4dret. Dessutom var hon yngre \u00e4n jag, hade en l\u00e4gre utbildning och tj\u00e4nade mindre. En helt vanlig person, med andra ord. F\u00f6r f\u00f6rsta g\u00e5ngen ins\u00e5g jag att aktieinvesteringar kunde vara n\u00e5got \u00e4ven f\u00f6r mig.<\/p>\n\n\n\n

Och sedan var jag fast.<\/p>\n\n\n\n

Inspirerad av min kollega blev jag helt uppslukad av investeringsv\u00e4rlden. Jag b\u00f6rjade prenumerera p\u00e5 ekonomitidningar, spenderade sena kv\u00e4llar p\u00e5 diskussionsforum och letade efter investeringsid\u00e9er. Jag \u00f6ppnade ett v\u00e4rdeandelskonto hos Nordnet och k\u00f6pte aktier i Nokia<\/a> som nyligen hade kraschat, \u201dn\u00e4r man \u00e4ntligen kunde f\u00e5 bra bolag billigt\u201d. Som tur var \u00f6kade min kunskap och min erfarenhet l\u00e4ngs v\u00e4gen.<\/p>\n\n\n\n

Jag sparar f\u00f6r att uppfylla dr\u00f6mmar<\/h3>\n\n\n\n

Min investeringsstil har f\u00f6r\u00e4ndrats m\u00e5nga g\u00e5nger. I b\u00f6rjan var jag en intensiv aktieplockare och ganska aktiv med mina aff\u00e4rer. N\u00e4r jag fick barn gick jag \u00f6ver till passivt indexsparande \u2013 den perfekta strategin f\u00f6r s\u00f6mnl\u00f6sa sm\u00e5barns\u00e5r. Nu n\u00e4r barnen n\u00e4rmar sig skol\u00e5ldern har jag \u00e5terigen tid och energi att analysera bolag och ta mer aktiva investeringsbeslut.<\/p>\n\n\n\n

\n

Nu n\u00e4r barnen n\u00e4rmar sig skol\u00e5ldern har jag \u00e5terigen tid och energi att analysera bolag och ta mer aktiva investeringsbeslut.<\/p>\n<\/blockquote>\n\n\n\n

\u00c4ven om jag f\u00f6rst b\u00f6rjade investera p\u00e5 grund av r\u00e4dsla f\u00f6r att hamna i en ekonomisk knipa, har min motivation f\u00f6r\u00e4ndrats med tiden. Idag sparar jag f\u00f6r att f\u00f6rverkliga dr\u00f6mmar \u2013 inte f\u00f6r att skydda mig mot katastrofer, utan f\u00f6r att skapa m\u00f6jligheter.<\/p>\n\n\n\n

Investeringar har gett mig b\u00e5de ekonomisk frihet och breddat min allm\u00e4nbildning. Det har ocks\u00e5 f\u00f6r\u00e4ndrat min karri\u00e4rbana. D\u00e4rf\u00f6r vill jag inspirera fler finl\u00e4ndare att b\u00f6rja investera. Det \u00e4r viktigt att \u00f6ka den finl\u00e4ndska befolkningens kunskap om ekonomi och att g\u00f6ra investerande b\u00e5de mer roligt och konkret.<\/p>\n\n\n\n

Kan sparande bli roligare \u00e4n shopping?<\/h3>\n\n\n\n

I min nya roll p\u00e5 Nordnet f\u00e5r jag m\u00f6jligheten att prata om pengar med en \u00e4nnu st\u00f6rre publik. Vi erbjuder inspirerande inneh\u00e5ll och kunskap om investerande. Vi vill p\u00e5minna alla om att investerande passar alla. En sm\u00e5sparare som s\u00e4tter undan 20 euro i en fond varje m\u00e5nad \u00e4r lika mycket investerare som den som aktivt v\u00e4ljer aktier.<\/p>\n\n\n\n

Vi beh\u00f6ver mer \u00f6ppenhet i samtalen om ekonomi och en mer l\u00e4ttf\u00f6rst\u00e5elig kommunikation kring finansiella begrepp. Att spara och v\u00e4lja bort k\u00f6p m\u00e5ste g\u00f6ras \u00e4nnu roligare och mer attraktivt \u00e4n att shoppa. Det \u00e4r ingen l\u00e4tt f\u00f6r\u00e4ndring, eftersom vi i dagens dopaminfyllda vardag har vant oss vid snabba bel\u00f6ningar. Investering d\u00e4remot kr\u00e4ver t\u00e5lamod, och m\u00e5let kan ligga \u00e5rtionden fram\u00e5t i tiden.<\/p>\n\n\n\n

\"Jasmin<\/figure>
Jasmin Hamid<\/a><\/span>

Jag \u00e4r sparekonom hos Nordnet och har i \u00f6ver \u00e5tta \u00e5rs tid talat f\u00f6r placering och sparande som finansinfluencer i olika medier.<\/p>\n

L\u00e4s mer<\/a><\/div>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

V\u00e4rdet p\u00e5 finansiella instrument kan stiga och sjunka. Det finns en risk att du inte f\u00e5r tillbaka det investerade kapitalet.<\/em><\/p>\n\n\n\n

Detta inl\u00e4gg \u00e4r en \u00f6vers\u00e4ttning av en originaltext p\u00e5 finska.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

F\u00f6r n\u00e5gra veckor sedan b\u00f6rjade jag som sparekonom hos Nordnet. Min v\u00e4g till finansbranschen har inte varit den mest typiska. I min barndomsfamilj h\u00f6ll vi inte p\u00e5 med investeringar, min examen \u00e4r fr\u00e5n Teaterh\u00f6gskolan och min jobbhistorik best\u00e5r av en rad tillf\u00e4lliga anst\u00e4llningar. Kanske var det just den bakgrunden som gjorde att jag fr\u00e5n f\u00f6rsta 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