Nordnet’s Chief Economist Frida Bratt is a financial guru who knows the ins and outs of fund investment like the back of her hand. When asked how she saves in funds, she reveals a strategic approach that involves a core of index funds supplemented by growth market funds, European funds, Swedish funds, and funds with Swedish investment companies. She diversifies her portfolio by exposing herself to sectors like healthcare and high-yielding companies through ETFs and active management.
Bratt emphasizes the importance of consistent savings, especially when considering total pension savings and amortization. She even saves her children’s child benefits in a separate account within a capital insurance policy. When it comes to specific regions or funds that pique her interest, she highlights the success of American small companies post-Trump’s election and the potential infrastructure investments on the horizon. She also keeps an eye on corporate bond funds, contingent on the trend of declining interest rates.
In terms of what to avoid as an investor, Bratt warns against hidden index funds that charge for active management but deliver passive results. She advises investors to scrutinize a fund’s tracking error and active share to ensure genuine active management. Additionally, she cautions against overly packaged funds that may have convoluted structures leading to higher fees.
As for the choice between an Investment Savings Account (ISK), capital insurance, or a regular depot, Bratt suggests assessing the savings goal. For her children’s savings, she opts for a capital insurance policy due to its beneficiary provisions. However, she acknowledges the flexibility of an ISK for pension savings. Ultimately, she recommends tax-efficient investment vehicles for simplicity.
Moving on to Avanza’s Chief Economist Philip Scholzé, he provides insights into his fund investment strategy, which primarily revolves around stocks with occasional monthly investments in selected funds. His focus lies on global and Swedish equity funds, aligning with the broader trend among fund investors. Scholzé emphasizes saving at least 10% of his net salary for long-term financial growth.
When asked about regions or funds of interest, Scholzé refrains from specific recommendations but mentions the allure of tracking Swedish small companies against larger corporations and monitoring global indices influenced by major companies. He stresses the importance of understanding investment risks and the composition of diversified funds to set realistic expectations.
In terms of stock selection, Scholzé advocates for diversification across various industries instead of concentrating on five individual stocks. He suggests following Aktiespararna’s recommendation of holding 10-15 stocks across multiple sectors or considering investment companies for indirect diversification.
Regarding the choice between ISK, capital insurance, or a regular depot, Scholzé shares his personal preference of using ISK for Swedish stocks and capital insurance for foreign stocks to streamline tax reporting and mitigate tax implications.
Lastly, Günther Mårder, an investor and advisor, sheds light on his fund investment approach, which leans towards direct stock holdings in his personal portfolio and fund portfolios for institutional clients. At present, he favors funds like PriorNilsson Yield, Alcur, Spiltan Small Cap Fund, Strand Small Cap Fund, Nordnet’s fee-free index funds, and Rhenman Healthcare for their potential.
Mårder stresses the importance of understanding investments and paying for value-added management to avoid unnecessary fees. He cautions against large Swedish funds that often mirror market indices without outperforming them. For novice investors seeking stock recommendations, Mårder suggests investment companies like Investor, Industrivärden, Lundbergs, Spiltan Invest, and Byggmästare AJA for potential returns.
When it comes to choosing between ISK, capital insurance, or a regular depot, Mårder recommends ISK or capital insurance for higher returns in equity investments, with the choice dependent on individual preferences. He notes that a regular depot may be suitable for short-term fixed income funds or high-risk investments with tax advantages.
In conclusion, these financial experts offer valuable insights into fund investment strategies, emphasizing diversification, risk awareness, and tax-efficiency for optimal financial growth. Their varied approaches cater to different savings goals and risk appetites, providing a comprehensive guide for both novice and seasoned investors.