{"id":320180,"date":"2026-07-30T16:35:30","date_gmt":"2026-07-30T16:35:30","guid":{"rendered":"https:\/\/www.europesays.com\/se\/320180\/"},"modified":"2026-07-30T16:35:30","modified_gmt":"2026-07-30T16:35:30","slug":"amortera-eller-investera-sa-stor-blir-skillnaden","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/320180\/","title":{"rendered":"Amortera eller investera \u2013 s\u00e5 stor blir skillnaden"},"content":{"rendered":"<p>Riskniv\u00e5n g\u00f6r skillnad<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">En avg\u00f6rande skillnad mellan alternativen \u00e4r risken, enligt Handelsbanken.<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">Att amortera ger en f\u00f6ruts\u00e4gbar och trygg effekt. Sparande i aktier har h\u00f6gre m\u00f6jlig avkastning men ocks\u00e5 sv\u00e4ngningar, skriver de.<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">&#8221;B\u00f6rsen kan utvecklas starkt \u00f6ver tid men den kan ocks\u00e5 falla under l\u00e4ngre perioder. F\u00f6r den som beh\u00f6ver pengarna vid fel tillf\u00e4lle kan utfallet bli s\u00e4mre \u00e4n i r\u00e4kneexemplet&#8221;, skriver <strong>Mats Nyman<\/strong>, privatekonomisk expert p\u00e5 Handelsbanken.<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">Tidshorisonten spelar dock stor roll.<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">&#8221;Ju l\u00e4ngre sparandet f\u00e5r v\u00e4xa, desto st\u00f6rre \u00e4r m\u00f6jligheten att hantera sv\u00e4ngningar. Men har du ett kortare perspektiv blir riskniv\u00e5n ofta mer avg\u00f6rande&#8221;, avslutar han.<\/p>\n<p class=\"font-sans text-base text-text-main dark:text-text-main-dark font-normal leading-[1.4]\">Banken tar \u00e4ven upp amorteringskrav, r\u00e4ntek\u00e4nslighet, buffert och livsh\u00e4ndelser som andra faktorer som kan spela roll.<\/p>\n","protected":false},"excerpt":{"rendered":"Riskniv\u00e5n g\u00f6r skillnad En avg\u00f6rande skillnad mellan alternativen \u00e4r risken, enligt Handelsbanken. Att amortera ger en f\u00f6ruts\u00e4gbar och&hellip;\n","protected":false},"author":2,"featured_media":320181,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[11853,72,70,71,5822,1254,349,34,31,33,32,30],"class_list":["post-320180","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-amortering","tag-business","tag-economy","tag-ekonomi","tag-handelsbanken","tag-investeringar","tag-privatekonomi","tag-se","tag-svenska","tag-sverige","tag-sweden","tag-swedish"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/117009902793531428","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/320180","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=320180"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/320180\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/320181"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=320180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=320180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=320180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}