“ when income-based pension, the pension you receive from the state, will not be affected by this. It is the main part of the pension, and it is not placed on the stock market, but it depends on how it is possible for the Swedish labour market, and by how much the wages will rise. As we know, in and of itself, is not on the Swedish labour market will be affected by this, but it is part of the fall not as a result of the börsraset.
– in the case of occupational pension that depends on how you have chosen to use it. It can be either a traditional life insurance policy, it is, to some extent, in the stock market, but also to the interest, so it does not fall as much. If you have a business, with everything invested in mutual funds, for example, the impact on the savings rate. Then, the red light is on when you log in now.
Has to be a long way to go and still have it all in stock funds, then maybe you need to take action. The best part is, if you have changed the composition of, successively, to the fixed-income funds it’s 50 years or so, it has not done so, I think that you have to sell, in spite of that, it’s not much fun right now, it may crumble more.
“ But do not sell anything, it must be borne in mind that they are probably retired, in 20 to 25 years, and the money is to be invested in something during the few years as well.
Leigh Bratt, sparekonom in Nairobi. Photo credit: press photos
there Are many decades left, I don’t like that at all, that you have a good reason to be concerned about. It will be great to race, and the large gains over the last few years, however, the stock market will rise over the long term. This can be seen statistically, even though we’ve had it crash, financial crisis and other things over the years. So please continue to månadsspara if you have a long way to go before retirement.
Shares of the fund and the shares, now becomes less important, as long as they are of no value, and has a good chance of getting a greater value in the future, the money has not ”disappeared”. In particular, the securities you have deposited the money into is, of course, an asset, and you still have it, in the hope they will rise in value once again.
“ In a situation such as this, with so much uncertainty, and great moves, it can go either way. It’s the extreme moves for now, and that’s because we don’t have any information. Now, a lot of the actions of the authorities and the banks, and it is a good thing, but it’s still anybody’s guess as to what will be the impact of this. It is not possible to know.
“ I’m sure it is more, rather than go up from these levels.
“ it is possible that we have a lot of impact right, and that is psychological. As it can be seen that even the savings have gone down, people feel poorer, even if they are your pension. It will be a little more afraid of being to consume at one time, but also in the housing market. It may not be ritigt are ready to make the final bid. It is the effect, we can see that pretty soon.
“ In the long run, it is the development of the Swedish labour market is being affected by this matter. We are getting a high rate of unemployment affecting the housing market. At the same time, so will the interest rates continue to remain low, and there is a force pulling in the opposite direction, and perhaps the housing market is a little bit under the arms.
Foto: Fredrik Sandberg/TT, Fredrik Sandberg/TT
“ I don’t believe in waiting, and that’s because you don’t know what they are waiting for or how long the wait is. It is very difficult to time this kind of thing. The impact of social influence has been a bit of a delay, but at the same time, the psychological impact of that is going on right now.
“ if you Have a business transaction that they intend to do so, I think you should go for it. However, you may always have to be on the safe side, and the stress test scenario is a time to take a little bit of height, what would happen if you lose your job, for example.
“ Probably not. The riksbank does not want to cut, then they can do that anyway, even if they don’t want to do. You can’t rule out anything, in this situation, but it is rather a reduction than an increase. It is in the positive, clean, the perspective of private economics in all of this, you can be sure that the boräntan don’t go up in any case.
“ It’s hard to say what is the köpläge in general. First of all, can it fall any further, because the second one may ask whether this is a köpläge. It is clear that it can go up from here, but is on the rise, we may see a year, or five years ‚ time. Once again, this really depends on where you are going to have the money.
in Addition, it is so very hard to choose. That is why I am in favour of månadssparare, then you don’t have to think about the timing. For example, sold to you by the new and the current rises.
“ It’s very hard to do, because we have such low interest rates. We can’t return, and it is these factors that have helped to drive the stock market in the last couple of years. You will save a unit-linked pension insurance in occupational pension schemes, for example, then the short term bond funds, if you would like to park their money somewhere.
“ Otherwise, the savings account with a bank just. I often get the question if your savings account-the money can also be in danger now, if the banks were to go bust, and we’re certainly not there yet. In addition, there is a deposit insurance, so your money is protected up to 950.000 Swedish kronor.
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