{"id":972,"date":"2021-10-10T06:03:14","date_gmt":"2021-10-10T06:03:14","guid":{"rendered":"https:\/\/ekonomisnack.se\/?p=972"},"modified":"2023-05-29T05:26:39","modified_gmt":"2023-05-29T05:26:39","slug":"ranta-pa-ranta-effekten","status":"publish","type":"post","link":"https:\/\/ekonomisnack.se\/ranta-pa-ranta-effekten\/","title":{"rendered":"R\u00e4nta p\u00e5 r\u00e4nta-effekten"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Vad \u00e4r r\u00e4nta p\u00e5 r\u00e4nta-effekten?<\/h2>\n\n\n\n<p>R\u00e4nta p\u00e5 r\u00e4nta-effekten inneb\u00e4r att ditt sparande kan \u00f6ka i v\u00e4rde genom r\u00e4nta p\u00e5 kapitalet, men ocks\u00e5 genom r\u00e4nta p\u00e5 tidigare utbetald r\u00e4nta. Dina investerade pengar v\u00e4xer snabbare och snabbare ju l\u00e4ngre tiden g\u00e5r trots att du sparar samma summa varje m\u00e5nad. Kurvan f\u00f6r ditt sparande blir brantare och brantare med tiden och man pratar ofta om en sn\u00f6bollseffekt. Sn\u00f6bollen rullas ner f\u00f6r en backe och v\u00e4xer sig st\u00f6rre. Med tiden v\u00e4xer sparandet exponentiellt. \u00c4ven ett litet sparande kan v\u00e4xa sig stort och h\u00e4r \u00e4r det tiden som \u00e4r den viktigaste komponenten. Om du slutar att betala in till sparandet f\u00e5r du fortfarande r\u00e4nta p\u00e5 r\u00e4ntan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Formeln f\u00f6r r\u00e4nta p\u00e5 r\u00e4nta:<\/h2>\n\n\n\n<p>sparbelopp x (1 + \u00e5rsr\u00e4nta i %)<sup>antal \u00e5r<\/sup>&nbsp;= v\u00e4rdet<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faktorerna-som-pverkar-nr-du-vill-rkna-rnta-p-rnta\">Faktorer som p\u00e5verkar r\u00e4nta p\u00e5 r\u00e4nta<\/h2>\n\n\n\n<p>F\u00f6renklat sett kan man s\u00e4ga att man bygger en pengamaskin som p\u00e5verkas av f\u00f6ljande faktorer:<\/p>\n\n\n\n<ul>\n<li><strong>Tiden&nbsp;<\/strong>du l\u00e5ter dina pengar arbeta<strong>. <\/strong>En rimlig period \u00e4r 10 \u00e5r eller mer.<\/li>\n\n\n\n<li><strong>Avkastningen<\/strong>&nbsp;(eller r\u00e4ntan) p\u00e5 kapitalet. Historiskt sett har Stockholmsb\u00f6rsen haft en snittavkastning p\u00e5 8% per \u00e5r men vissa \u00e5r har avkastningen varit negativ.&nbsp;<\/li>\n\n\n\n<li>Det&nbsp;<strong>initiala startbeloppet<\/strong>&nbsp;som du v\u00e4ljer att starta din pengamaskin med.  <\/li>\n\n\n\n<li><strong>Skatt<\/strong>en&nbsp;som betalas till staten.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e4nta p\u00e5 r\u00e4nta med fonder och aktier<\/h2>\n\n\n\n<p>R\u00e4nta-p\u00e5-r\u00e4nta  \u00e4r kraftfullt, men f\u00f6r att du ska f\u00e5 avkastning p\u00e5 ditt insatta kapital kr\u00e4vs det att en \u00f6kning sker. Att kontinuerligt spara i fonder g\u00f6r att du har de b\u00e4sta f\u00f6ruts\u00e4ttningarna. Om du sparar 5000 kronor per m\u00e5nad under trettio \u00e5r och har en snittavkastning p\u00e5 8% \u00f6kar ditt kapital det sista \u00e5ret med 600 000.&nbsp;Se till att du v\u00e4ljer dina fonder med omsorg. Omv\u00e4nd effekt g\u00e4ller om du investerat i fonder med dyr avgift. Ju l\u00e4ngre tiden g\u00e5r, desto mer tar fonderna av din avkastning. M\u00e5nga banker beh\u00e5ller dessutom kickbacken fr\u00e5n bolagen.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">S\u00e4tt din sn\u00f6boll i rullning<\/h2>\n\n\n\n<p>R\u00e4nta p\u00e5 r\u00e4nta-effekten kallas ibland f\u00f6r det \u00e5ttonde underverket och det \u00e4r m\u00e5nga g\u00e5nger denna effekt som f\u00e5r folk att f\u00e5 upp \u00f6gonen f\u00f6r sparande. Vill du l\u00e4ra dig mer om sparande? L\u00e4s g\u00e4rna v\u00e5rt avsnitt om <a href=\"https:\/\/ekonomisnack.se\/vad-ar-aktier\/\">vad \u00e4r en aktie<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p> &#8230; <a title=\"R\u00e4nta p\u00e5 r\u00e4nta-effekten\" class=\"read-more\" href=\"https:\/\/ekonomisnack.se\/ranta-pa-ranta-effekten\/\" aria-label=\"More on R\u00e4nta p\u00e5 r\u00e4nta-effekten\">L\u00e4s mer<\/a><\/p>\n","protected":false},"author":1,"featured_media":973,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_generate-full-width-content":"","footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>R\u00e4nta p\u00e5 r\u00e4nta-effekten - Ekonomisnack<\/title>\n<meta name=\"description\" content=\"R\u00e4nta p\u00e5 r\u00e4nta-effekten inneb\u00e4r att ditt sparande v\u00e4xer exponentiellt med tiden. \u00c4ven ett litet sparande kan v\u00e4xa sig stort, vi reder ut allt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ekonomisnack.se\/ranta-pa-ranta-effekten\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e4nta p\u00e5 r\u00e4nta-effekten - 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