{"id":2361,"date":"2022-09-07T10:05:46","date_gmt":"2022-09-07T08:05:46","guid":{"rendered":"https:\/\/babyjourney.se\/?p=2361"},"modified":"2025-07-18T19:11:25","modified_gmt":"2025-07-18T17:11:25","slug":"spar-smart-op-til-dine-borns-opsparing","status":"publish","type":"post","link":"https:\/\/webstaging.babyjourney.se\/dk\/barn\/spara-smart-for-dina-barn-barnspar\/","title":{"rendered":"Spar smart op til dine b\u00f8rn!"},"content":{"rendered":"<p><em>Sponsoreret af\u00a0<a href=\"https:\/\/www.lansforsakringar.se\/privat\/?utm_source=babyjourney&amp;utm_medium=app&amp;utm_campaign=LF_babyjourney_Nationell_Forsakring2023-gravid_20230421\" target=\"_blank\" rel=\"noopener\">L\u00e4nsf\u00f6rs\u00e4kringar<\/a><\/em><\/p>\n<p><strong>At spare op til sine b\u00f8rn er noget, som mange for\u00e6ldre g\u00f8r gennem hele deres barndom, men hvordan sparer man bedst op? Her er nogle tips om de forskellige typer opsparing, og hvad der er vigtigt at overveje.<\/strong><\/p>\n<p>For\u00e6ldre sparer i gennemsnit 597 svenske kroner om m\u00e5neden pr. barn, viser en ny rapport fra L\u00e4nsf\u00f6rs\u00e4kringar. I 2005 sparede for\u00e6ldrene i gennemsnit 414 SEK pr. barn. P\u00e5 det tidspunkt var gennemsnitsl\u00f8nnen 19.842 svenske kroner. I dag er gennemsnitsl\u00f8nnen steget med ca. 15.000 SEK om m\u00e5neden, hvilket betyder, at b\u00f8rneopsparingen b\u00f8r ligge p\u00e5 ca. 736 SEK om m\u00e5neden for at f\u00f8lge med indkomstudviklingen.<\/p>\n<p>H\u00f8je renter, skyh\u00f8je el- og f\u00f8devarepriser p\u00e5virker mange familiers \u00f8konomi, men hvis man har en eller anden form for opsparing, er det bedre end ingenting. Statistikker viser, at for\u00e6ldre, der sparer op regelm\u00e6ssigt, sparer mere op til deres b\u00f8rn end dem, der sparer mere sporadisk op, f.eks. til f\u00f8dselsdage. L\u00e4nsf\u00f6rs\u00e4kringars anbefaling er derfor at have en m\u00e5nedlig opsparing, s\u00e5 opsparingen rent faktisk bliver til noget.<\/p>\n<p>Husk at justere din opsparing i takt med inflationen eller din l\u00f8nstigning. Almindelige grunde til at spare op til b\u00f8rn er bidrag til k\u00f8rekort eller bolig. Omkostningerne stiger i takt med inflationen, hvilket betyder, at opsparingen ogs\u00e5 skal stige gradvist, hvis dit barn rent faktisk skal have mulighed for at f\u00e5 et k\u00f8rekort eller en bolig, n\u00e5r den tid kommer.<\/p>\n<p><strong>Hvordan sparer man?<\/strong><\/p>\n<p>Hvis du sparer op i dit barns navn, f\u00e5r han eller hun adgang til kapitalen, n\u00e5r han eller hun fylder 18 \u00e5r. Hvis du sparer op i dit navn, v\u00e6lger du selv, hvorn\u00e5r dit barn skal have adgang til pengene. T\u00e6nk over, hvad du \u00f8nsker.<\/p>\n<p>Der er forskellige m\u00e5der at spare op til b\u00f8rn p\u00e5. De fleste for\u00e6ldre sparer op i fonde, hvilket har vist sig at v\u00e6re rentabelt; b\u00f8rn af for\u00e6ldre, der har investeret deres b\u00f8rns opsparing i fonde, har klaret sig godt*. I l\u00f8bet af de sidste 30 \u00e5r er aktiemarkedet steget med ca. 11% om \u00e5ret i gennemsnit. B\u00f8rn af for\u00e6ldre, der regelm\u00e6ssigt l\u00e6gger penge til side til deres b\u00f8rn, har omkring 140.000 SEK mere i opsparing end b\u00f8rn i familier, der ikke sparer op til deres b\u00f8rn.<\/p>\n<p><strong>3 forskellige konti til opsparing<\/strong><\/p>\n<p>Hvilken type konto du v\u00e6lger til din b\u00f8rneopsparing, afh\u00e6nger af, hvad du sparer op til, og hvor l\u00e6nge du har t\u00e6nkt dig at spare op.<\/p>\n<p><strong>1. Opsparingskonto<\/strong><br \/>\nHvis opsparingen er t\u00e6nkt som en buffer til uforudsete udgifter i den n\u00e6rmeste fremtid for barnet, er det bedst at spare op p\u00e5 en opsparingskonto. Hav ikke for mange penge i den kortsigtede buffer. Hvis du har en opsparingshorisont p\u00e5 mere end fem \u00e5r, har det historisk vist sig, at investeringsforeninger og aktiemarkeder har givet bedre afkast*.<\/p>\n<p><strong>2. Investeringsopsparingskonto<\/strong><br \/>\nTil langsigtet opsparing kan du v\u00e6lge en investeringssparkonto (ISK), som giver dig mulighed for at samle din opsparing i aktier, fonde og andre v\u00e6rdipapirer. Du kan k\u00f8be, s\u00e6lge og bytte s\u00e5 ofte, du vil, og du beh\u00f8ver ikke at opgive og beskatte individuelle gevinster. I stedet betaler du skat af en fast indkomst, der beregnes af din opsparing hvert \u00e5r. Det sker automatisk via din selvangivelse.<\/p>\n<p><strong>3. Kapitalforsikring<\/strong><br \/>\nEn anden mulighed for langsigtet opsparing er at spare op i en kapitalforsikring. Du investerer din opsparing i udvalgte fonde, op til maksimalt 20, som du kan skifte gratis, n\u00e5r du vil. Du betaler en \u00e5rlig udbytteskat af forsikringens v\u00e6rdi og af udbetalingerne. Det betyder, at du ikke beh\u00f8ver at opgive hverken udbetalinger eller fondsskift, det sker automatisk via din selvangivelse. I mods\u00e6tning til en investeringssparkonto kan du med en kapitalforsikring styre, hvordan og hvorn\u00e5r pengene udbetales til barnet.<\/p>\n<p><strong>*Opsparing i fonde og aktier indeb\u00e6rer altid en risiko<br \/>\n<\/strong>Tidligere resultater er ingen garanti for fremtidige afkast. Penge investeret i fonde og aktier kan b\u00e5de stige og falde i v\u00e6rdi, og det er ikke sikkert, at du f\u00e5r hele det investerede bel\u00f8b tilbage.<\/p>\n<p><em><a href=\"https:\/\/www.lansforsakringar.se\/stockholm\/privat\/bank\/spara\/fonder\/risker-vid-fondsparande\/\">L\u00e6s mere om risiciene<\/a><\/em><\/p>\n<p><strong>Resum\u00e9:<\/strong><\/p>\n<p>- At spare lidt op hver m\u00e5ned er som regel mere fordelagtigt end at spare sporadisk op.<br \/>\n- T\u00e6nk over form\u00e5let med din opsparing, og v\u00e6lg derefter kontotype.<br \/>\n- T\u00e6nk over, om du skal spare op i dit navn eller i dit barns navn, afh\u00e6ngigt af hvorn\u00e5r du \u00f8nsker, at dit barn skal have adgang til pengene.<br \/>\n- Husk at justere din opsparing i takt med inflationen eller din l\u00f8nstigning.<\/p>\n<p>L\u00e4nsf\u00f6rs\u00e4kringar har masser af information og tips, n\u00e5r det g\u00e6lder familiens \u00f8konomi. L\u00e6s mere om m\u00e5nedsopsparing for b\u00f8rn, og f\u00e5 hj\u00e6lp til at komme i gang med at spare op.<\/p>\n<p><em><a href=\"https:\/\/www.lansforsakringar.se\/stockholm\/privat\/bank\/spara\/spara-till-barn\/?utm_source=partner&amp;utm_medium=native&amp;utm_campaign=Nationell_LFAB_Bank-Spara_PP_babyjourney_202405_&amp;utm_content=barnspar\">F\u00e5 mere at vide om at spare op til b\u00f8rn<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.lansforsakringar.se\/4995f2\/globalassets\/aa-global\/dokument\/ovrigt\/privatekonomi\/barnspar-2024.pdf\">Rapport: S\u00e5dan sparer vi op til vores b\u00f8rn i 2024<\/a><\/em><\/p>\n<p><strong>Garanti for indskud<\/strong><\/p>\n<p>Bankens konti er omfattet af den statslige indskydergarantiordning, som er besluttet af Riksg\u00e4lden. Indskudsgarantien er en vigtig sikkerhed for dig som bankkunde. Hvis banken g\u00e5r konkurs, har du ret til kompensation for dit samlede indest\u00e5ende p\u00e5 kontoen i banken, dog h\u00f8jst 1.050.000 SEK. G\u00e6ldsstyrelsen udbetaler erstatningen inden for syv arbejdsdage fra den dag, hvor banken blev erkl\u00e6ret konkurs, eller det svenske finanstilsyn besluttede, at garantien skulle aktiveres.<\/p>\n<p>Ud over bel\u00f8bet p\u00e5 1.050.000 SEK kan indskyderne modtage kompensation for visse specificerede begivenheder, s\u00e5som salg af en privat bolig, fratr\u00e6delsesgodtg\u00f8relse, forsikringserstatning p\u00e5 op til 5 millioner SEK.<\/p>\n<p><em><a href=\"https:\/\/www.lansforsakringar.se\/stockholm\/privat\/bank\/spara\/alla-konton-for-sparande\/insattningsgarantin\/\">Garanti for indskud<\/a><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Sponsoreret af L\u00e4nsf\u00f6rs\u00e4kringar At spare op til sine b\u00f8rn er noget, som mange for\u00e6ldre g\u00f8r gennem hele deres barndom, men hvordan sparer man bedst op? Her giver vi tips til forskellige former for opsparing, og hvad der er vigtigt at overveje. For\u00e6ldre sparer i gennemsnit...<\/p>","protected":false},"author":14,"featured_media":64236,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-2361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barn"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Spara smart f\u00f6r dina barn! Allt du beh\u00f6ver veta om barnspar<\/title>\n<meta name=\"description\" content=\"Att spara till sitt barn \u00e4r n\u00e5got m\u00e5nga f\u00f6r\u00e4ldrar g\u00f6r under hela barndomen, och d\u00e4rf\u00f6r vill man s\u00e5klart spara r\u00e4tt. 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Alt hvad du beh\u00f8ver at vide om b\u00f8rneopsparing","isPartOf":{"@id":"https:\/\/webstaging.babyjourney.se\/#website"},"primaryImageOfPage":{"@id":"https:\/\/webstaging.babyjourney.se\/barn\/spara-smart-for-dina-barn-barnspar\/#primaryimage"},"image":{"@id":"https:\/\/webstaging.babyjourney.se\/barn\/spara-smart-for-dina-barn-barnspar\/#primaryimage"},"thumbnailUrl":"https:\/\/webstaging.babyjourney.se\/wp-content\/uploads\/2022\/09\/dag1_bildbank_1940-redigera_stellan-stephenson_-scaled.jpg","datePublished":"2022-09-07T08:05:46+00:00","dateModified":"2025-07-18T17:11:25+00:00","author":{"@id":"https:\/\/webstaging.babyjourney.se\/#\/schema\/person\/95362427c648550e8d1e3a56afcc2b48"},"description":"At spare op til sit barn er noget, mange for\u00e6ldre g\u00f8r gennem hele barndommen, s\u00e5 man vil selvf\u00f8lgelig gerne spare ordentligt op. 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