{"id":242276,"date":"2026-05-10T10:27:44","date_gmt":"2026-05-10T10:27:44","guid":{"rendered":"https:\/\/www.europesays.com\/se\/242276\/"},"modified":"2026-05-10T10:27:44","modified_gmt":"2026-05-10T10:27:44","slug":"oro-for-inflation-eller-deflation-sa-skyddar-du-sparandet","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/242276\/","title":{"rendered":"Oro f\u00f6r inflation eller deflation: S\u00e5 skyddar du sparandet"},"content":{"rendered":"<p>SCB:s prelimin\u00e4ra inflationssiffror f\u00f6r april kom in ov\u00e4ntat l\u00e5ga. Ist\u00e4llet f\u00f6r f\u00f6rv\u00e4ntade 1,2 procent m\u00e4tt i KPIF landade siffran p\u00e5 0,8 procent, l\u00e5ngt under Riksbankens m\u00e5ls\u00e4ttning p\u00e5 2 procent.<\/p>\n<p>Som trolig f\u00f6rklaring pekar SCB prelimin\u00e4rt p\u00e5 kraftigt fallande matpriser.<\/p>\n<p><strong>Felicia Sch\u00f6n<\/strong>, sparekonom p\u00e5 Avanza, s\u00e4ger till <a href=\"https:\/\/www.expressen.se\/ekonomi\/inflationen-sjonk-i-april\/\" rel=\"nofollow noopener\" target=\"_blank\">Expressen<\/a> att siffrorna \u00e4r \u00f6verraskande men att en \u00e5terg\u00e5ng till h\u00f6gre inflation inte kan uteslutas, bland annat med h\u00e4nsyn till oron kring Hormuzsundet. <\/p>\n<p>Hon anser inte att Riksbanken b\u00f6r tala om r\u00e4nteh\u00f6jningar och rekommenderar sparare att avvakta med att binda r\u00e4ntan.<\/p>\n<p>Inflationsskydd aktuellt trots l\u00e5ga siffror<\/p>\n<p>Trots den tillf\u00e4lligt nedpressade svenska inflationen kvarst\u00e5r strukturella sk\u00e4l f\u00f6r sparare att t\u00e4nka p\u00e5 inflationsskydd. I USA steg priserna med 3,26 procent p\u00e5 \u00e5rsbasis i mars, drivet av stigande bensinpriser.<\/p>\n<p>Bland de b\u00e4sta skydden mot inflation \u00e5terfinns guld, h\u00f6gr\u00e4ntessparkonton, statsobligationer kopplade till inflation (TIPS), I-obligationer, fastigheter och r\u00e5varor, skriver <a href=\"https:\/\/www.fool.com\/investing\/how-to-invest\/inflation-proof-investments\/\" rel=\"nofollow noopener\" target=\"_blank\">Yahoo Finance<\/a>. <\/p>\n<p>Gemensamt f\u00f6r dem \u00e4r att de antingen stiger i v\u00e4rde n\u00e4r inflationen tilltar, eller ger en r\u00e4nta som kompenserar f\u00f6r stigande priser.<\/p>\n<p>I-obligationer b\u00e4sta skyddet<\/p>\n<p>Ett av de kanske starkaste skydden kan vara s\u00e5 kalalde I-obligationer. <\/p>\n<p>Detta eftersom de kombinerar en fast r\u00e4nta med ett r\u00f6rligt inflationstill\u00e4gg som justeras var sj\u00e4tte m\u00e5nad, skriver <a href=\"https:\/\/www.fool.com\/investing\/how-to-invest\/inflation-proof-investments\/\" rel=\"nofollow noopener\" target=\"_blank\">The Motley Fool<\/a>. F\u00f6r perioden november 2025 till april 2026 uppgick den sammansatta avkastningen till 4,03 procent.<\/p>\n<p>Fastigheter, antingen direkt \u00e4gande eller via b\u00f6rsnoterade fastighetsfonder (REITs), framh\u00e5lls ocks\u00e5 ett historiskt p\u00e5litligt skydd av expeter, eftersom hyror och fastighetsv\u00e4rden tenderar att f\u00f6lja inflationen \u00f6ver tid.<\/p>\n<p>F\u00f6r den som vill h\u00e5lla kapitalet likvitt lyfts \u00e4ven korta obligationer och h\u00f6gr\u00e4ntessparkonton fram som alternativ. Dessa minskar r\u00e4nterisken och ger f\u00f6r n\u00e4rvarande konkurrenskraftiga avkastningar.<\/p>\n","protected":false},"excerpt":{"rendered":"SCB:s prelimin\u00e4ra inflationssiffror f\u00f6r april kom in ov\u00e4ntat l\u00e5ga. Ist\u00e4llet f\u00f6r f\u00f6rv\u00e4ntade 1,2 procent m\u00e4tt i KPIF landade&hellip;\n","protected":false},"author":2,"featured_media":242277,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[72,70,71,328,34,6055,31,33,32,30],"class_list":["post-242276","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-business","tag-economy","tag-ekonomi","tag-inflation","tag-se","tag-spara","tag-svenska","tag-sverige","tag-sweden","tag-swedish"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116549808575218389","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/242276","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=242276"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/242276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/242277"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=242276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=242276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=242276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}