{"id":72637,"date":"2025-10-09T15:01:38","date_gmt":"2025-10-09T13:01:38","guid":{"rendered":"https:\/\/www.nordnet.dk\/blog\/?p=72637"},"modified":"2026-03-11T14:10:13","modified_gmt":"2026-03-11T13:10:13","slug":"sporgsmal-fra-unge","status":"publish","type":"post","link":"https:\/\/www.nordnet.dk\/blog\/sporgsmal-fra-unge\/","title":{"rendered":"Her er de fem sp\u00f8rgsm\u00e5l, de unge altid stiller os"},"content":{"rendered":"\n<p><strong>Hos Nordnet mener vi, at privat\u00f8konomi skal p\u00e5 skoleskemaet. At sunde pengevaner b\u00f8r v\u00e6re en selvf\u00f8lge i undervisningen. Derfor har vi det seneste \u00e5r brugt meget tid p\u00e5 at undervise unge mennesker i hele landet &#8211; ligesom vi <a href=\"https:\/\/www.nordnet.dk\/blog\/nordet-paa-folkemodet\/\">p\u00e5 Folkem\u00f8det havde en stor debat om \u00f8konomi p\u00e5 skoleskemaet<\/a>. Og hver gang vi er ude at m\u00f8de de unge, st\u00f8der vi p\u00e5 de samme sp\u00f8rgsm\u00e5l.<\/strong> <\/p>\n\n\n\n<p>De unge udg\u00f8r en stor del af Nordnets kunder. Faktisk er 15 procent af alle vores kunder mellem 18 og 25 \u00e5r. Det synes jeg er et stort tal &#8211; is\u00e6r med tanke p\u00e5, at man som 18-\u00e5rig selv skal oprette sig som kunde hos Nordnet. For hvor l\u00e6rer de unge egentlig om <a href=\"https:\/\/www.nordnet.dk\/academy\/forste-investering\">investering<\/a>, n\u00e5r man ikke bliver introduceret for det i uddannelsessystemet? Og hvilken betydning har det for, hvordan de unge starter? Det synes jeg, vores bes\u00f8g p\u00e5 snart 100 gymnasieklasser i hele landet understreger meget godt.<\/p>\n\n\n\n<div class=\"wp-block-coblocks-author\"><figure class=\"wp-block-coblocks-author__avatar\"><img decoding=\"async\" class=\"wp-block-coblocks-author__avatar-img\" src=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2024\/01\/Jonas3.jpg\" alt=\"Jonas Melander Hammer\" \/><\/figure><div class=\"wp-block-coblocks-author__content\"><span class=\"wp-block-coblocks-author__name\">Jonas Melander Hammer<\/span><p class=\"wp-block-coblocks-author__biography\">Hej! Jeg arbejder som pressechef i Nordnet Danmark.<br \/>Jeg har efterh\u00e5nden investeret i en h\u00e5ndfuld \u00e5r, men selvom jeg besk\u00e6ftiger mig med investering hver eneste dag, har jeg stadig masser at l\u00e6re. \u00c9n ting har jeg dog l\u00e6rt \u2013 investering beh\u00f8ver ikke v\u00e6re sv\u00e6rt.<\/p><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Det er nemlig de samme sp\u00f8rgsm\u00e5l, vi st\u00f8der p\u00e5 igen og igen. Det burde i sig selv v\u00e6re \u00e5rsag nok til, at debatten aldrig forstummer. For vi ved alts\u00e5, at de unge gerne vil investere. Men vi ved ogs\u00e5, at de mangler viden.<\/p>\n\n\n\n<p>Da vi tidligere i \u00e5r lavede <a href=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/05\/Investeringsundersoegelsen-2025.pdf\" rel=\"nofollow noopener\">Investeringsunders\u00f8gelsen 2025<\/a>, svarede 84 procent af alle, at de selv havde till\u00e6rt sig viden om investering. Og hvordan sikrer vi s\u00e5, at den viden er rigtig? At man ikke ender i kl\u00f8erne p\u00e5 de lidt for hurtige Instagram-typer? Jeg tror sagtens, vi som samfund kan l\u00f8fte den opgave der un\u00e6gteligt ligger i at kl\u00e6de vores unge godt p\u00e5. Den undervisning kunne jeg selv have brugt. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hvad-sporger-de-sa-om\">Hvad sp\u00f8rger de s\u00e5 om?<\/h2>\n\n\n\n<p><strong>M\u00e5 man investere i <a href=\"https:\/\/www.nordnet.dk\/aktier\/kurser\">aktier<\/a> i vores alder?<\/strong><br>Hos Nordnet kan man investere allerede fra, man bliver f\u00f8dt. Eller, det er s\u00e5 alligevel ikke helt rigtigt. For er man under 18 \u00e5r, skal man have det, der hedder et <a href=\"https:\/\/www.nordnet.dk\/blog\/invester-for-dit-barn-depot-for-mindreaarige\/\">depot for mindre\u00e5rige<\/a>.<\/p>\n\n\n\n<p>Det betyder, at ens for\u00e6ldre skal oprette kontoen p\u00e5 ens vegne &#8211; og at man ikke selv kan hverken k\u00f8be eller s\u00e6lge aktier. Til geng\u00e6ld kan man sagtens v\u00e6re med til at investere. Faktisk kan det v\u00e6re en rigtig god m\u00e5de at tale med sine for\u00e6ldre eller sit barn om netop investering &#8211; eller \u00f8konomi. Vores investeringscoach Katrine Korning Andersen har tidligere skrevet en god artikel om, hvordan hun g\u00f8r netop det.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"is-style-squared wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.nordnet.dk\/blog\/investering-for-boern-saadan-goer-jeg\/\">S\u00e5dan g\u00f8r hun<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>N\u00e5r man s\u00e5 til geng\u00e6ld fylder 18 \u00e5r, kan man investere i lige d\u00e9t, man har lyst til. Her f\u00e5r man nemlig adgang til sit eget depot.<\/p>\n\n\n\n<p>Det er s\u00e5 desv\u00e6rre her, vi ser en \u00e6rgerlig tendens. For n\u00e5r man selv skal tage stilling til, hvorvidt man vil investere, ser vi en stor overv\u00e6gt af mandlige kunder. Blandt de 18-25-\u00e5rige er 71% af vores kunder m\u00e6nd &#8211; mens kun 29% er kvinder. Det er i h\u00f8j grad medvirkende til, at formueforskellene blandt k\u00f8nnene stiger eksplosivt i takt med alderen.<\/p>\n\n\n\n<p><strong>Hvordan ved man, hvor man skal investere?<\/strong><br>Mange unge, vi har m\u00f8dt, sp\u00f8rger os, hvor man skal investere. Flere har st\u00f8dt p\u00e5 annoncer p\u00e5 sociale medier, hvor de bliver opfordret til at daytrade p\u00e5 baggrund af aktietips &#8211; eller ved at sende penge til de personer, der st\u00e5r bag profilerne. Flere unge har ogs\u00e5 fortalt os, hvordan de er blevet &#8220;scammet&#8221; &#8211; alts\u00e5 har sendt penge til personer, der har lovet dem et stort afkast &#8211; og aldrig set deres penge igen. Det er en enormt \u00e6rgerlig start p\u00e5 tilv\u00e6relsen som investor.<\/p>\n\n\n\n<p>Til geng\u00e6ld har de fleste h\u00f8rt om b\u00e5de aktiedepoter, <a href=\"https:\/\/www.nordnet.dk\/tjenester\/kontotyper\/aktiesparekonto\">aktiesparekonto<\/a> og s\u00e5gar m\u00e5nedsopsparingen. Men hvad de tre ting hver is\u00e6r d\u00e6kker over, er en anden snak. Vi har derfor gjort meget for at forklare fordelene og ulemperne ved de to kontotyper &#8211; og for at fort\u00e6lle, at m\u00e5nedsopsparingen alts\u00e5 hverken er en kontotype eller et produkt &#8211; men en service.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"is-style-squared wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.nordnet.dk\/academy\/aktiedepot-eller-aktiesparekonto\">L\u00e6s om forskellene p\u00e5 aktiedepot og aktiesparekonto her<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Hvor meget skal jeg investere for om m\u00e5neden?<\/strong><br>Min klare opfattelse er, at de unge synes, det kan v\u00e6re ligegyldigt, hvis man investerer for 100 kroner om m\u00e5neden. For hvilken forskel g\u00f8r det egentlig for ens \u00f8konomi, hvis man f\u00e5r det historiske afkast p\u00e5 7% ud af en investering p\u00e5 1.200 kroner om \u00e5ret?<\/p>\n\n\n\n<p>Til det vil jeg sige: Det g\u00f8r en k\u00e6mpe forskel! Der er ingen, der forventer, at man som studerende kan investere 5.000 kroner om m\u00e5neden &#8211; det kan de f\u00e6rreste voksne. Og som ung skal man have lov at bruge sine penge p\u00e5 en masse dumme ting og oplevelser.<\/p>\n\n\n\n<p>S\u00e5 kan det godt v\u00e6re, du ikke bliver rig som 19-\u00e5rig eller 20-\u00e5rig, hvis du investerer for 100 kroner om m\u00e5neden. Men det er heller ikke m\u00e5let. I hvert fald ikke lige nu. Til geng\u00e6ld tilegner man sig en masse viden om investering &#8211; og hvilken type investor man er. Kan jeg lide aktier? Fonde? H\u00f8j risiko? Eller skal jeg overhovedet investere? Der er kun \u00e9n m\u00e5de at finde ud af det p\u00e5.<\/p>\n\n\n\n<p>N\u00e5r man s\u00e5 en dag er f\u00e6rdiguddannet, f\u00e5r &#8220;voksenpenge&#8221; og har mulighed for og lyst til at skrue op for det bel\u00f8b, man investerer for &#8211; har man allerede l\u00e6rt det basale. Og s\u00e5 er man milevidt foran sine j\u00e6vnaldrende, der f\u00f8rst skal til at starte.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"914\" src=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-1024x914.jpg\" alt=\"\" class=\"wp-image-72676\" srcset=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-1024x914.jpg 1024w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-620x553.jpg 620w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-150x134.jpg 150w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-768x685.jpg 768w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-500x446.jpg 500w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-800x714.jpg 800w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-370x330.jpg 370w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-270x241.jpg 270w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-335x300.jpg 335w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-570x509.jpg 570w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029-740x660.jpg 740w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/1757407327029.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\"><em>S\u00e5dan ser gulvene ofte ud, n\u00e5r vi har v\u00e6ret ude at holde opl\u00e6g. De unge har forberedt godt med sp\u00f8rgsm\u00e5l, der typisk g\u00e5r igen hver eneste gang.<\/em><\/p>\n\n\n\n<p><strong>Hvad er de st\u00f8rste fejl, unge laver, n\u00e5r de begynder at investere?<\/strong><br>Fejl er et h\u00e5rdt ord, synes jeg. For hvor meget kan man egentlig fejle, n\u00e5r man investerer? Ja, vi har alle sammen tabt penge. Ja, vi har alle sammen k\u00f8bt p\u00e5 toppen og solgt p\u00e5 bunden &#8211; men det er en del af det at investere.<\/p>\n\n\n\n<p>Hvis man er bange for at lave fejl, kommer man aldrig i gang &#8211; og det vil da v\u00e6re den absolut st\u00f8rste fejl. Jeg har selv dummet mig mange gange. Men jeg ville aldrig v\u00e6re de sk\u00e6verter foruden. Nuvel, jeg kunne godt have undv\u00e6ret et par stykker, men det er de sk\u00e6verter, der har gjort, at jeg i dag f\u00f8ler mig komfortabel i, hvordan jeg investerer.<\/p>\n\n\n\n<p>S\u00e5 mit bedste r\u00e5d vil v\u00e6re: byg et sundt, kedeligt fundament af fonde, s\u00e5 din risiko er spredt &#8211; og invester kun det, du kan undv\u00e6re. Det er \u00e6rgerligt at h\u00e6ve sine penge sidst p\u00e5 m\u00e5neden for at betale regninger eller k\u00f8be \u00f8l, hvis de har tabt v\u00e6rdi. Investering er et sp\u00f8rgsm\u00e5l om tid.<\/p>\n\n\n\n<p>Det perfekte starttidspunkt findes ikke &#8211; og hvis det gjorde, var det alligevel sikkert i g\u00e5r.<\/p>\n\n\n\n<p><strong>Hvad ville I \u00f8nske, I havde vidst, da I begyndte at investere?<\/strong><br>Jeg ville gerne have vidst, at investering ikke g\u00e5r hurtigt.<\/p>\n\n\n\n<p>Tanken om hurtige og eksplosive afkast er tillokkende. Men som historien om haren og skildpadden meget godt illustrerer, handler investering om t\u00e5lmodighed. Og kan man sl\u00e5 den rente, man kan f\u00e5 i banken &#8211; samtidig med, at man bibeholder sin k\u00f8bekraft, har man v\u00e6ret en succes.<\/p>\n\n\n\n<p>Vi starter altid vores opl\u00e6g med at vise dette eksempel. Det viser, hvordan inflationen spiser af ens opsparing &#8211; mens et positivt afkast kan give en st\u00f8rre k\u00f8bekraft.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"709\" src=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-1024x709.png\" alt=\"\" class=\"wp-image-72680\" srcset=\"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-1024x709.png 1024w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-620x429.png 620w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-150x104.png 150w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-768x531.png 768w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-1536x1063.png 1536w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-2048x1417.png 2048w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-500x346.png 500w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-800x554.png 800w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-1280x886.png 1280w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-1920x1328.png 1920w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-370x256.png 370w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-270x187.png 270w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-435x300.png 435w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-570x394.png 570w, https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/Inflation-740x512.png 740w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\"><em>Kilde: Egen tilvirkning.Historisk afkast er ingen garanti for fremtidigt afkast.<\/em><\/p>\n\n\n\n<p>Den graf ville jeg \u00f8nske, at mine l\u00e6rere havde vist mig, da jeg gik i skole. Og jeg h\u00e5ber inderligt, at l\u00e6rerne en dag kommer til at vise den i \u00f8konomiundervisningen.<\/p>\n\n\n\n<p><em>Ovenst\u00e5ende er ikke en anbefaling til at k\u00f8be eller s\u00e6lge v\u00e6rdipapirer<\/em>.<em>Dette blogindl\u00e6g er udarbejdet til informationsform\u00e5l. Blogindl\u00e6gget udg\u00f8r s\u00e5ledes ikke investeringsm\u00e6ssig eller anden r\u00e5dgivning. Historisk afkast er ingen garanti for fremtidigt afkast. Finansielle instrumenter kan b\u00e5de stige og falde i v\u00e6rdi. Der er en risiko for, at du ikke f\u00e5r de investerede penge tilbage.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e5r vi undervise unge skoleelever i hele landet er der altid fem sp\u00f8rgsm\u00e5l, der g\u00e5r igen. Jeg ville \u00f8nske, at det ikke var mig, der skulle svare p\u00e5 dem &#8211; men at det var l\u00e6rerne. Men nu g\u00f8r jeg det alligevel!<\/p>\n","protected":false},"author":68595,"featured_media":72638,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[1294],"tags":[],"class_list":["post-72637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-privatoekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/12_43-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blog.nordnet.dk\/wp-content\/uploads\/sites\/4\/2025\/10\/12_43-150x54.jpg 150w, 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