Finans.
Har du styr på finanserne?
Den finansielle sektor er et af de vigtigste segmenter i økonomien. Den driver en nations økonomi og leverer et free flow af kapital og likviditet på markedet. Den finansielle sektor består af en række finansielle virksomheder herunder banker, investeringshuse, finansieringsselskaber, forsikringsselskaber, långivere, regnskabstjenester og ejendomsmæglere. Når den finansielle sektor og et lands økonomi er stærk, øger det forbrugernes tillid og købekraft. Når den finansielle sektor fejler, kan den trække hele økonomien ned og føre til en recession.
Nedenfor har kan du se, hvilke muligheder du har for at investere i den finansielle sektor.
Læs også vores blogindlæg.
Bankerne er meget bedre forberedte på en økonomisk nedgang, end de var i 2008. Større polstring og bedre soliditet betyder dog samtidig også, at indtjeningsevnen varigt er lavere. Mens en del af de større aktier i C-25 har oplevet en ”kursbounce” fra lavpunktet, gælder det dog ikke eller kun i meget lille omfang for bankaktierne. Læs hele indlægget her:
Bank- såvel som forsikringssektoren har pengeforretninger til fælles, men her stopper sammenligningen også, når det gælder profitabiliteten og udviklingen i denne i Danmark og betydningen for aktiekurserne. Nogen spørger hvorfor forsikringsselskaberne tjener så mange penge, har en god fremgang og høje aktiekurser, mens bankerne omvendt lider. Svaret ligger ikke mindst i 3 afgørende forskelle.
Læs hele indlægget her:
Aktier.
Her finder du eksempler på aktier, du kan investere i, hvis du vil eksponere dig mod den finansielle sektor.
Værdipapirerne i oversigterne er ikke ment som investeringsanbefalinger, men en generel oversigt over nogle af de muligheder, der findes.
Selskaberne er segmenteret efter deres fokus og relevans i forhold til temaet den finansielle sektor. Der er udvalgt børsnoterede selskaber, som kan handles gennem Nordnet.
Nordiske aktier.
Aktie | Kommentar |
|---|---|
Alm. Brand | Alm. Brand A/S er en forsikringsvirksomhed. Virksomheden opererer i adskillige segmenter herunder skadesforsikring, liv og pension og andre aktiviteter. Virksomheden genererer størstedelen af dens omsætning via dens skadesforsikringssegment, som servicerer personer, virksomheder og landbrug. Virksomheden genererer alt dens omsætning i Danmark. Virksomheden tilbyder desuden rådgivning og research. |
Danske Bank | Danske Bank blev grundlagt i 1871 og har hovedkvarter i København, Danmark. Det er Danmarks største bank med dominerende markedsandele på udlån og indlån. Danske Bank opererer i 270 filialer i Danmark, Finland, Sverige, Norge, Irland og Storbritannien. Med etableringen af Wealth Management segmentet i april 2016, opererer banken nu i fem segmenter. De andre er: banking Danmark, banking i Norden, virksomheder og institutioner og Nordirland. |
DNB | DNB ASA is a Norwegian financial services group. About one fourth of its income derives from its international business, including other parts of Europe, Asia, and the Americas. The group offers a full range of financial services, including loans, savings, advisory services, insurance, and pension products for retail and corporate customers. Just under half of its credit exposure is to personal costumers, overwhelmingly in residential mortgages. The other portion of its credit exposure is to large corporations, diversified across an array of industries, most notably oil and gas, shipping, and commercial real estate. The group's strategy emphasizes cost efficiency and customer service. |
Jyske Bank | Jyske Bank er den tredjestørste gruppe inden for finansielle ydelser efter formuestørrelse i Danmark. Deres primære fokus er danske små og mellemstore virksomheder og detailkunder. Jyske Bank tilbyder et komplet sortiment af finansielle ydelser gennem deres detail- og kommercielle bankaktiviteter. Deres aktiviteter udføres gennem tre forretningsenheder: bankforretninger (Jyske Bank), Boliglån (BRFkredit opkøbt i 2014) og leasing (Jyske Finans). |
Nordea Bank | Nordea is a universal Nordic bank which generates most of its income (63%) through vanilla lending products such as mortgages, household loans and corporate loans. The bank is also a leading equity and debt underwriter and issuer specialized in the Nordics, generating roughly one tenth of the group’s income. Nordea also offers life and pension, savings and asset management, as well as private banking services to high-net-worth individuals. It operates primarily in Sweden, Denmark, Finland, and Norway. |
Sampo PLC | Sampo is an insurance company that generates revenue through property and casualty insurance, life insurance, and banking services. The vast majority of the company's revenue is generated through property and casualty insurance, followed by its banking arm Nordea. Sampo's life insurance business also offers wealth management services. The company operates primarily in the Nordic and Baltic regions. Sampo does not maintain a stated companywide strategy, and instead maintains well-defined strategies within each individual business area, based on return on equity targets. |
Top Danmark | Topdanmark er en diversificeret forsikringsvirksomhed, der tilbyder en bred vifte af forsikringsprodukter i Danmark. Virksomheder stræber efter at holde forvaltningsomkostningerne under det generelle marked. Topdanmark tilbyder livsforsikring såvel som andre forsikringsprodukter, der dækker private husholdninger og små virksomheder. Virksomhedens strategi fokuserer primært på organisk vækst supplementeret med opkøb og samarbejde igennem strategiske alliancer. Topdanmark definerer dets kriterie for success gennem aftagende forvaltningsomkostninger, risikohåndtering og høj distributionseffektivitet. |
Tryg | Tryg A/S er et diversificeret forsikringsselskab. Virksomheden opererer i adskillige segmenter blandt andet for private, kommercielle virksomheder og Sverige. Virksomhedens private segment, som fokuserer på generelle forsikringsprodukter til private i Danmark og Norge, står for størstedelen af virksomhedens omsætning. Virksomheden genererer størstedelen af omsætningen i Danmark efterfulgt af Norge og Sverige. Virksomheden inkorporerer virksomhedsomkøb som et komponent i deres operationelle vækststrategi. |
Globale aktier.
Aktie | Kommentar |
|---|---|
Allianz SE | Allianz is a global insurance group that offers insurance and asset-management services. The insurance business is organised in three segments: property-casualty insurance, life and health insurance, and asset-management. Allianz is one of the largest asset managers in the world. |
Berkshire Hathaway | Berkshire Hathaway is a holding company with a wide array of subsidiaries engaged in diverse activities. The firm's core business segment is insurance, run primarily through Geico, Berkshire Hathaway Reinsurance Group and Berkshire Hathaway Primary Group. Berkshire has used the excess cash thrown off from these and its other operations over the years to acquire Burlington Northern Santa Fe (railroad), Berkshire Hathaway Energy (utilities and energy distributors), and the firms that make up its manufacturing, service, and retailing operations (which include five of Berkshire's largest noninsurance pretax earnings generators: Precision Castparts, Lubrizol, Clayton Homes, Marmon and IMC/ISCAR). The conglomerate is unique in that it is run on a completely decentralized basis. |
Blackrock | BlackRock is one of the largest asset managers in the world, with $7.318 trillion in AUM at the end of June 2020. Product mix is fairly diverse, with 48% of the firm's managed assets in equity strategies, 33% in fixed income, 8% in multi-asset class, 8% in money market funds, and 3% in alternatives. Passive strategies account for around two thirds of long-term AUM, with the company's iShares ETF platform maintaining a leading market share domestically and on a global basis. Product distribution is weighted more toward institutional clients, which by our calculations account for close to 80% of AUM. BlackRock is also geographically diverse, with clients in more than 100 countries and more than one third of managed assets coming from investors domiciled outside the U.S. and Canada. |
BNP Paribas | The merger of Banque Nationale de Paris and Paribas created BNP Paribas in 2000, making it the largest publicly traded bank in France. Although BNP Paribas has operations in about 80 countries, it considers France, Italy, and Belgium to be its home markets. It owns regional bank BancWest in the United States. |
Citigroup | Citigroup is a global financial services company doing business in more than 100 countries and jurisdictions. Citigroup's operations are organized into two primary segments: the global consumer banking segment, which provides basic branch banking around the world, and the institutional clients group, which provides large customers around the globe with investment banking, cash management, and other products and services. |
Deutsche Boerse AG | Deutsche Boerse is a financial exchange company headquartered in Frankfurt, Germany. The company primarily generates revenue through its Eurex and Clearstream segments. Eurex allows for the trading and clearing of derivatives. Clearstream offers custody and settlement services for domestic and international securities, as well as collateral management services. Other segments include Xetra, which generates revenue through trading and clearing cash equities, STOXX (an index business), and several others. |
Goldman Sachs Group | Goldman Sachs is a leading global investment banking firm whose activities are organized into investment banking (20% of net revenue), global markets (40% of net revenue), asset management (25% of net revenue), and consumer and wealth management (15% of net revenue) segments. Approximately 60% of the company's net revenue is generated in the Americas, 15% in Asia, and 25% in Europe, the Middle East, and Africa. In 2008, Goldman reorganized itself as a financial holding company regulated by the Federal Reserve System. |
JP Morgan Chase | JPMorgan Chase is one of the largest and most complex financial institutions in the United States, with more than $2.5 trillion in assets. It is organized into four major segments--consumer and community banking, corporate and investment banking, commercial banking, and asset and wealth management. JPMorgan operates, and is subject to regulation, in multiple countries. |
Muenchener Rueckversicherungs-Gesellschaft AG | Munich Re is one of the largest reinsurance firms in the world, also serving clients with primary insurance. |
Royal Bank of Canada | Royal Bank of Canada is one of the two largest banks in Canada. It is a diversified financial services company, offering personal and commercial banking, wealth-management services, insurance, corporate banking, and capital markets services. The bank is concentrated in Canada, with additional operations in the U.S. and other countries. |
S&P Global | S&P Global provides data and benchmarks to capital and commodity market participants. S&P Ratings, which comprises over 40% of the firm's revenue and over 50% of the firm's operating income, is the largest credit ratings agency in the world. The firm's other segments include Market Intelligence, Indices, and Platts. Market Intelligence provides desktop tools and other data solutions to investment banks, corporations, and other entities. Indices provides benchmarks for financial markets and is monetized through subscriptions, asset-based fees, and transaction-based royalties. Platts provides benchmarks to commodity markets, principally petroleum. |
Wells Fargo & Company | Wells Fargo is one of the largest banks in the United States, with approximately $1.9 trillion in balance sheet assets. The company is split into three segments for reporting purposes: community banking; wholesale banking; and wealth and investment management. The community banking segment serves consumers and small businesses with products including deposit accounts, credit and debit cards, and student, mortgage, and home equity loans. Wholesale banking includes corporate and commercial real estate lending, asset-based lending and trade financing, merchant services, and capital markets businesses. Wealth and investment management includes advisory, brokerage, retirement, and trust services. The bulk of Wells' lending takes place in the U.S. |
ETF'er.
Her kan du se et udvalg af de ETF'er, der findes inden for den finansielle sektor. Hvis du ønsker at se alle muligheder, kan du benytte dig af vores ETF-screener.
ETF | Investeringsmålsætning | ISIN | Lb. omkost. | |
|---|---|---|---|---|
iShares S&P 500 Financials Sector | The investment objective of the Fund is to provide investors with a total return, taking into account both capital and income returns, which reflects the return of the S&P 500 Financial Services Index. | IE00B4JNQZ49 | 0,15 % | |
Xtrackers MSCI World Financials | Investeringens mål er at afspejle afkastet før omkostninger og gebyrer i MSCI World Financials Total Return Net Indekset. Indekset er designet til at reflektere udviklingen i aktierne i visse selskaber fra forskellige udviklede lande. Aktierne er udstedt af selskaber i finanssektoren. | IE00BM67HL84 | 0,30 % | |
iShares STOXX Europe 600 Banks | The investment seeks to replicate, net of expenses, the STOXX Europe 600 Banks TR index as closely as possible. The fund invests in physical index securities. The index offers exposure to the European Banks sector as defined by the Industry Classification Benchmark (ICB). It is a sub index of the STOXX Europe 600 index. | DE000A0F5UJ7 | 0,46 % | |
iShares STOXX Europe 600 Insurance | iShares STOXX Europe 600 Insurance (DE) is an exchange traded fund (ETF) that aims to track the performance of the STOXX Europe 600 Insurance Index as closely as possible. The ETF invests in physical index securities. The STOXX Europe 600 Insurance Index offers exposure to the European Insurance sector as defined by the Industry Classification Benchmark (ICB). It is a sub index of the STOXX Europe 600 Index. The STOXX Europe 600 Index offers exposure to large, mid and small capitalisation stocks from European developed countries. The index is free float market capitalisation weighted. iShares ETFs are funds managed by BlackRock. They are transparent, cost-efficient, liquid vehicles that trade on stock exchanges like normal securities. iShares ETFs offer flexible and easy access to a wide range of markets and asset classes. | DE000A0H08K7 | 0,46 % |
Finansielle instrumenter kan både stige og falde i værdi. Der er en risiko for, at du ikke får de investerede penge tilbage. Inden du investerer i en fond, bør du læse prospektet, som er tilgængeligt hos fondsselskabet og central investorinformation, som du finder i ordreafgivelsesvinduet samt på fondens produktside på nordnet.dk.
Nordnet Markets.
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Alle investeringer i finansielle instrumenter er forbundet med risiko og kan både stige og falde i værdi. Læs mere om risici nedenfor og under afsnittet Risici.
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