{"id":195627,"date":"2026-03-20T09:37:13","date_gmt":"2026-03-20T09:37:13","guid":{"rendered":"https:\/\/www.europesays.com\/se\/195627\/"},"modified":"2026-03-20T09:37:13","modified_gmt":"2026-03-20T09:37:13","slug":"sa-far-du-en-miljon-till-pa-kontot-lagom-till-din-pension-liten-insats","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/195627\/","title":{"rendered":"S\u00e5 f\u00e5r du en miljon till p\u00e5 kontot \u2013 lagom till din pension: &#8221;Liten insats&#8221;"},"content":{"rendered":"<p>Att l\u00f6ften om miljoner ofta l\u00e5ter f\u00f6r bra f\u00f6r att vara sanna \u00e4r inget nytt. Men i det h\u00e4r fallet handlar det inte om h\u00f6gre sparande \u2013 utan om hur pengarna placeras \u00f6ver tid.<\/p>\n<p>\u201dDet kr\u00e4vs en mycket liten insats fr\u00e5n dig som sparare f\u00f6r att \u00e5stadkomma den h\u00e4r avkastningen \u00f6ver tid\u201d, s\u00e4ger Magnus Hjelm\u00e9r till Privata Aff\u00e4rer.<\/p>\n<p><strong>MISSA INTE: <\/strong><a href=\"https:\/\/www.news55.se\/privatekonomi\/20-procent-lagre-sa-dyrt-ar-det-att-ga-i-tidig-pension-egentligen\/\" rel=\"nofollow noopener\" target=\"_blank\">20 procent l\u00e4gre: S\u00e5 dyrt \u00e4r det att g\u00e5 i tidig pension \u2013 egentligen<\/a><\/p>\n<p>Det som avses \u00e4r r\u00e4nta p\u00e5 r\u00e4nta-effekten, d\u00e4r avkastningen i sig b\u00f6rjar generera ny avkastning. Ju l\u00e4ngre tid sparandet p\u00e5g\u00e5r, desto st\u00f6rre blir effekten.<\/p>\n<p>Enligt ber\u00e4kningar fr\u00e5n Ica Bankens vardagsekonom <strong>Magnus Hjelm\u00e9r<\/strong> kan ett m\u00e5nadssparande p\u00e5 1 000 kronor fr\u00e5n 27 till 67 \u00e5rs \u00e5lder v\u00e4xa till drygt 632 000 kronor i r\u00e4ntefonder. Om spararen i st\u00e4llet g\u00e5r \u00f6ver till aktiefonder efter tio \u00e5r kan slutbeloppet bli n\u00e4stan 1,6 miljoner kronor.<\/p>\n<p>Skillnaden \u2013 n\u00e4rmare en miljon kronor \u2013 uppst\u00e5r allts\u00e5 utan att ins\u00e4ttningarna \u00f6kar.<\/p>\n","protected":false},"excerpt":{"rendered":"Att l\u00f6ften om miljoner ofta l\u00e5ter f\u00f6r bra f\u00f6r att vara sanna \u00e4r inget nytt. Men i det&hellip;\n","protected":false},"author":2,"featured_media":195628,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[5],"tags":[777,392,22,23,71,26,27,17,21,15050,24,25,16423,28,29,15,16,4500,1421,5384,349,18,34,6056,31,33,32,30,19,20],"class_list":["post-195627","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rubriker","tag-aktier","tag-borsen","tag-breaking-news","tag-breakingnews","tag-ekonomi","tag-featured-news","tag-featurednews","tag-headlines","tag-huvudnyheter","tag-ica-banken","tag-latest-news","tag-latestnews","tag-magnus-hjelmer","tag-main-news","tag-mainnews","tag-news","tag-nyheter","tag-pengar","tag-pension","tag-pensionar","tag-privatekonomi","tag-rubriker","tag-se","tag-spara-och-placera","tag-svenska","tag-sverige","tag-sweden","tag-swedish","tag-top-stories","tag-topstories"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116260834066605694","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/195627","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=195627"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/195627\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/195628"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=195627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=195627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=195627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}