Direktlänk till inlägg 7 februari 2011

Dyrt spara på banken

Av Alva Gustafsson - 7 februari 2011 16:55

Tror du att du sparar pengar på banken? Då är du delvis lurad. Med en ränta som är mindre än inflationen eller till och med noll, står du där som en förlorare varje år när räntebeskeden kommer. Dina pengar har tappat i värde.

Ditt lönekonto betraktar banken som en ren service och något som du ska betala för. Det gör du bland annat genom att räntan är minimal eller inte finns alls. Där ska man helt enkelt inte ha mer pengar än absolut nödvändigt.

Men konton som har namn som Sparkonto, Kapitalkonto eller Placeringskonto är väl ändå så trygga som de låter? Inte om du vill att dina pengar ska behålla sitt värde. Få av dem har en ränta som når upp till inflationen och från det dras skatten på 30 procent.

Inte ens sparande i Riksgäldens realränteobligationer kan leva upp till namnet, då även den räntan ska beskattas.

En vanlig fråga från läsare är just hur man ska placera sina pengar så att de växer, utan att man behöver ta någon risk. Det trista svaret är att det inte går. Den som vill se pengarna växa, måste göra som bonden och riskera en del av skördeintäkterna på nytt utsäde. Eller starta bank.

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Av Alva Gustafsson - 7 februari 2011 16:56

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Av Alva Gustafsson - 7 februari 2011 16:54

Bankerna har höjt bolåne räntorna snabbare än Riksbanken höjt reporäntan. Det förklarar bankerna med att upplåningskostnaderna ökat ännu mer. Men på många av sina konton, där bankerna lånar in pengar från sina kunder, lämnar bankerna låga räntor. ...

Av Alva Gustafsson - 7 februari 2011 16:53

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