{"id":1009,"date":"2021-10-10T13:38:19","date_gmt":"2021-10-10T13:38:19","guid":{"rendered":"https:\/\/ekonomisnack.se\/?p=1009"},"modified":"2023-05-29T05:25:42","modified_gmt":"2023-05-29T05:25:42","slug":"spara-till-barn","status":"publish","type":"post","link":"https:\/\/ekonomisnack.se\/spara-till-barn\/","title":{"rendered":"Spara till barn"},"content":{"rendered":"\n

B\u00f6rja spara i fonder<\/a> eller aktier s\u00e5 tidigt som m\u00f6jligt till barnet. Kanske vill du hj\u00e4lpa till med att ge m\u00f6jligheten till ett k\u00f6rkort eller en kontantinsats till ett framtida boende n\u00e4r barnen \u00e4r stora. Ha en m\u00e5lbild f\u00f6r vad du vill att pengarna ska kunna r\u00e4cka till. Oavsett vad pengarna ska g\u00e5 till \u00e4r det alltid bra att kontinuerligt spara till dina barn eller barnbarn, om det s\u00e5 bara \u00e4r en hundralapp i m\u00e5naden. Du kanske k\u00e4nner till r\u00e4nta-p\u00e5-r\u00e4nta-effekten<\/a> d\u00e4r kapitalet avkastar r\u00e4nta som v\u00e4xer med tiden. S\u00e4tt upp ett m\u00e5nadsspar och gl\u00f6m sedan bort det!<\/p>\n\n\n\n

Spara till barn ISK eller KF?<\/h2>\n\n\n\n

Du kan v\u00e4lja att spara till barn i ISK, men h\u00e4r rekommenderas att kontot st\u00e5r i eget namn. St\u00e5r barnet som \u00e4gare av ISK-kontot f\u00e5r han eller hon tillg\u00e5ng till kapitalet p\u00e5 sin 18-\u00e5rsdag, n\u00e5got som kanske inte \u00e4r helt optimalt. Du kan ocks\u00e5 v\u00e4lja att ha en KF som du \u00e4ger sj\u00e4lv men d\u00e4r barnet eller barnen st\u00e5r som f\u00f6rm\u00e5nstagare. Du v\u00e4ljer sj\u00e4lv n\u00e4r fonderna eller aktierna ska s\u00e4ljas och vid vilken tidpunkt som pengarna ska \u00f6verl\u00e5tas till barnet eller barnen.<\/p>\n\n\n\n

S\u00e5 h\u00e4r g\u00f6r du<\/h2>\n\n\n\n
    \n
  1. B\u00f6rja med att \u00f6ppna ett ISK-konto eller KF-konto.<\/li>\n\n\n\n
  2. F\u00f6r \u00f6ver en fast summa som du varje m\u00e5nad f\u00f6r \u00f6ver till kontot ovan. <\/li>\n\n\n\n
  3. V\u00e4lj ut fonder eller aktier som du regelbundet fyller p\u00e5 i. Se till att sprida k\u00f6pen i flera aktier och\/eller fonder.<\/li>\n\n\n\n
  4. F\u00f6r utl\u00e4ndska innehav rekommenderas KF (Kapitalf\u00f6rs\u00e4kring).<\/li>\n<\/ol>\n\n\n\n

    Spara r\u00e4ttvist till barn<\/h2>\n\n\n\n

    Har du barn i olika \u00e5ldrar kan det vara bra att samla alla investeringar i en gemensam portf\u00f6lj som sedan delas upp. Kapitalet kommer f\u00f6rmodligen att beh\u00f6vas vid olika tidpunkter och hur b\u00f6rsen st\u00e5r d\u00e5 kan g\u00f6ra att det blir or\u00e4ttvist. Flera barn kan inte sam\u00e4ga ett ISK, utan h\u00e4r rekommenderas en dep\u00e5 som en f\u00f6r\u00e4lder st\u00e5r som \u00e4gare till.<\/p>\n\n\n\n

    Hur mycket ska man spara till sitt barn?<\/h2>\n\n\n\n

    Om du varje m\u00e5nad sparar 500 kronor som du har p\u00e5 ett konto har du efter 18 \u00e5r 108 000 kronor. Om du ist\u00e4llet v\u00e4ljer att spara samma belopp men ist\u00e4llet investerar dem i fonder och den \u00e5rliga avkastningen i snitt ligger p\u00e5 8% har du efter 18 \u00e5r 234 324 kronor. <\/p>\n\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

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