{"id":31637,"date":"2025-11-03T11:10:54","date_gmt":"2025-11-03T10:10:54","guid":{"rendered":"https:\/\/rtm.dk\/?p=31637"},"modified":"2025-11-03T11:39:54","modified_gmt":"2025-11-03T10:39:54","slug":"aktiefestens-dilemmaer","status":"publish","type":"post","link":"https:\/\/rtm.dk\/en\/aktiefestens-dilemmaer\/","title":{"rendered":"Aktiefestens dilemmaer"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||-55px|||&#8221; custom_padding=&#8221;20px||11px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;2560px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rtm.dk\/wp-content\/uploads\/2024\/08\/Aktier.png&#8221; title_text=&#8221;Aktier&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; border_width_all=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px||15px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p class=\"p1\"><strong><i>Af Michael Broeng, direkt\u00f8r i RTM Pension<\/i><\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;4px||10px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_5_text_color=&#8221;gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3&#8243; custom_padding=&#8221;||0px|||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{%22gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3%22:%91%22header_5_text_color%22%93}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Vi\u00a0ser\u00a0n\u00e6rmere p\u00e5 nutidens pensionsinvesteringer \u2013 og p\u00e5 de dilemmaer, der f\u00f8lger med. For hvor meget skal man egentlig reagere p\u00e5 de daglige udsving i markedet, n\u00e5r pensionen f\u00f8rst skal bruges om 10, 20 eller m\u00e5ske 40 \u00e5r?<\/p>\n<p><span style=\"color: #993300;\"><strong>Invester i nutiden \u2013 med blikket langt frem<\/strong><\/span><br \/>Hver dag bombarderes vi med nyheder om aktier, renter og verdens\u00f8konomi. Men hvor meget betyder det egentlig for dig, der f\u00f8rst skal bruge pengene mange \u00e5r ude i fremtiden?<\/p>\n<p>Hos RTM har vi i mange \u00e5r givet indsigt i, hvordan markedet historisk har udviklet sig \u2013 og hvordan dygtige forvaltere har skabt solide afkast. Men sp\u00f8rgsm\u00e5let er: Er det nok? Eller findes der bedre l\u00f8sninger for dig?<\/p>\n<p><span style=\"color: #993300;\"><strong>Hvad er det rigtige valg for dig?<\/strong><\/span><br \/>Meningerne er mange.<br \/>Nogle siger: Invester og luk \u00f8jnene.<br \/>Andre siger: Pas p\u00e5 pengene og v\u00e6lg forsigtigt.<\/p>\n<p>Hos RTM handler det ikke om enten eller \u2013 men om, hvad der er rigtigt for dig.<\/p>\n<p>For mange af vores firmapensionskunder afh\u00e6nger investeringen af arbejdsgiverens politik. Nogle har frie rammer og mulighed for at v\u00e6lge mere eller mindre risiko.<\/p>\n<p>Omkring 10% af vores kunder v\u00e6lger investeringsprodukter uden faldende risiko \u2013 ofte globale aktiefonde eller indeksbaserede fonde. F\u00e6lles for dem er, at de har taget et aktivt valg og gennemf\u00f8rt en risikotest.<\/p>\n<p><span style=\"color: #993300;\"><strong>Brug risikotesten \u2013 det er dit vigtigste v\u00e6rkt\u00f8j<\/strong><\/span><br \/>Vi anbefaler altid at bruge pensionsselskabets egen risikotest. Den viser, om du eller selskabet b\u00f8r styre investeringerne.<\/p>\n<p>Hvis testen viser, at du selv skal investere, hj\u00e6lper vi dig med at forst\u00e5 mulighederne \u2013 og du kan altid l\u00e6se mere p\u00e5 pensionsselskabets hjemmeside.<\/p>\n<p>Har du brug for sparring eller personlig r\u00e5dgivning, kan du altid r\u00e6kke ud til os i RTM.<\/p>\n<p><span style=\"color: #993300;\"><strong>Et godt r\u00e5d til fremtiden<\/strong><\/span><br \/>Levealderen stiger, pensionsalderen flytter sig, og l\u00f8nnen stiger i takt med samfundets udvikling. Men mange overser en vigtig konsekvens: N\u00e5r l\u00f8nnen stiger, stiger ogs\u00e5 forbruget \u2013 og dermed behovet for en st\u00f8rre pension.<\/p>\n<p>Derfor er vores simple tommelfingerregel &#8211; <strong><em>Gem 50 \u00f8re for hver krone, din l\u00f8n stiger.<\/em><\/strong><\/p>\n<p><span style=\"color: #993300;\"><strong>Hvorfor?<\/strong><\/span><br \/>Fordi dit pensionsbidrag typisk kun udg\u00f8r ca. 10%. De 10 \u00f8re pr. krone skal alts\u00e5 d\u00e6kke en l\u00f8nstigning p\u00e5 1 krone \u2013 og det kan blive sv\u00e6rt, n\u00e5r du en dag g\u00e5r p\u00e5 pension.<\/p>\n<p>Hvis du ikke justerer opsparingen, risikerer du senere at skulle udskyde pensionen, \u00e6ndre boligforhold eller sk\u00e6re ned p\u00e5 forbruget.<\/p>\n<p><span style=\"color: #993300;\"><strong>En tryg overgang til pension<\/strong><\/span><br \/>Hos RTM hj\u00e6lper vi dig med at f\u00e5 overblik frem mod pensionering. Vi tilbyder b\u00e5de formueoptimering og seniorr\u00e5dgivning, s\u00e5 du kan planl\u00e6gge en tryg og fleksibel overgang.<\/p>\n<p>L\u00e6s mere p\u00e5 <a data-cke-saved-href=\"http:\/\/www.rtm.dk\" href=\"http:\/\/www.rtm.dk\" target=\"_blank\" rel=\"noopener\">www.rtm.dk<\/a> \u2013 og kontakt os, hvis du vil h\u00f8re, hvordan vi kan hj\u00e6lpe dig videre.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I RTM Pension ser vi n\u00e6rmere p\u00e5 nutidens pensionsinvesteringer \u2013 og de dilemmaer, mange st\u00e5r overfor.<\/p>","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>Her kommer en artikel 2 fra november m\u00e5ned en historie fra Forsikring<\/p>","_et_gb_content_width":"","footnotes":""},"categories":[103,33],"tags":[],"class_list":["post-31637","post","type-post","status-publish","format-standard","hentry","category-05_2025-2","category-arkiv"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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