Josef, 22 years:
Salary:
SEK 25,000 a month before tax.
Do not want to take any major risks with their money.
Do not want to spend so much time on their savings.
Goal:
Saves for the cash contribution to an apartment.
Johanna Kull:
“What determines which form of savings is suitable is when in time he intends to buy an apartment. If it is shorter than two years, a savings account is the natural choice. It gives no interest to talk about but he also does not risk losing any money.
If you talk about three to five years, he could look at prudent mixed funds, with some interest and some shares. With that savings horizon, I would say that about 50 percent of shares are reasonable. If you save in the longer term than that, you can have a higher risk with a larger share of shares. ”
Ylva Yngveson:
If an apartment should appear that he wants to buy quickly, the money needs to be available. Then there is no other option than a savings account. The important thing is to find a good account where he receives interest and is covered by the deposit guarantee.
He is at an age where he may still be living at home and has low housing costs. That is often when you can save the most. ”
Amina, 27 years:
Salary:
SEK 30,000 a month before tax.
Finance is a big interest.
Is willing to take certain risks and can spend a lot of time on his savings.
Goal:
Saves for another round-the-world trip when she turns 30.
Johanna Kull:
"She has quite a short time but is also prepared to take certain risks. She probably does not want the trip to end in a two-week vacation. The natural thing would be a corporate bond fund that can provide a 2-3 percent return. If she is prepared to take a higher risk, she can invest a small part in an equity fund in the hope of getting some kind of icing on the cake, but it is important that the whole journey does not depend on it. ”
Ylva Yngveson:
“If you think she can save SEK 4,500 a month, she could invest 3,500 in a short-term account in a savings account, and at the same time learn more about shares and funds by saving SEK 1,000 there. The exchange will not be so great and it is a higher risk, but it is with a limited part of the money. "
Karin, 31 years:
Salary:
SEK 22,000 a month before tax.
Do not want to risk too much, but still want to find a form of savings that is better than a regular savings account with low or no interest.
Does not know much about economics, but would like to learn more.
Goal:
Saves to a safe and good buffer.
Johanna Kull:
“The buffer is the first thing we should have in place, it is the guarantor of a stable private economy. But she should also not forget about her long-term savings. The buffer makes us sleep well at night while the long-term savings are for retirement or future dreams.
Those who live in a villa and have children and a car need a larger buffer than those who live without children and a car in an apartment. To decide how much buffer you should have, you should start from your expenses.
She might be able to distribute her savings so that 80 percent goes to building up a buffer while 20 percent goes to long-term savings. ”
Ylva Yngveson:
"In this case, it is a matter of having money available in a savings account if unforeseen expenses arise. She could be unfaithful to her regular bank and get interest on the money from someone else. She also needs to review her pension by saving a few hundred bucks from her income there. ”
Gustav, 39 years:
Salary:
SEK 28,000 a month before tax.
Is risk-averse and has extensive experience of saving money in various forms.
Objective:
Saves in the long term and sees it as a private pension saving.
Johanna Kull:
“Has a wonderful savings horizon of maybe 25 years, then he can also take greater risks. Risk is the price you have to pay for the opportunity for future returns. If he already has a buffer in place, I think it is natural to save 100 percent in equity funds or in his own equity portfolio, because he has such a long savings horizon.
There are no guarantees for future returns but in this case he has time on his side. The stock market fluctuates and last year, for example, the Stockholm Stock Exchange fell 8 percent, but over time the stock market rises. ”
Ylva Yngveson:
"Here, time is an important factor and I think he should save in shares or funds, it is a matter of course. If he has a savings horizon of 28 years and is able to save SEK 2,500 a month, he will save just over 800,000 in that time.
If you also count on an annual return of five percent, he has managed to double his capital when he retires. It shows what an important factor time is. ”