Savings plan in funds

A fund, also called a mutual fund, is a collection of securities that are combined into one package. You can buy shares in the fund. The money you and other fund savers put into the fund is used by the manager to buy securities for the fund.

• A fund can own from 16 to several hundred different securities.
• A fund can buy both shares, bonds and other fixed-income securities.
• The greater the proportion of shares in a fund, the higher the risk and rate of return you can expect.
• The risk and return potential are lower the more fixed-income securities there are in a fund.
• What is the risk of saving in funds?

There are different types of funds:

Equity fund

An equity fund is a fund where at least 80 per cent of unitholders' money is invested in the stock market.

Read more about equity funds

Fixed-income fund

A fixed-income fund is a fund that invests money in fixed-income securities such as bonds and commercial paper.

Read more about fixed-income funds

Balanced fund

A balanced fund is a combination of an equity fund and a fixed-income fund. The recommended savings period depends on the proportion of shares you have chosen in your balanced fund.

Read more about balanced funds

As a beginner, it can be a good idea to choose an affordable index fund. An index fund is broadly invested and therefore has good risk diversification on the investments.

Before you choose a fund, you should read a bit about what you are curious about, so you know what you are buying.

Here you can read a bit about our various index funds. Click on the fund name to see which markets it invests in, what kind of companies (under "portfolio"), what the strategy is going forward and how it has performed so far. All funds have corresponding information pages.

In most funds, the minimum amount is NOK 100 to start a savings plan. Some funds require a higher monthly deposit. The minimum purchase is stated in the fund overview.

You can have savings plans in as many funds as you wish. By having savings plans in different funds, you also spread the risk.

Many associate the word risk with loss, but the word "risk" in the equity and money markets is an expression that values can fluctuate, both up and down:

• High risk means that the value of a share, or a market, can fluctuate significantly up and down

• Low risk means that the value normally remains more stable.

High risk means, in other words, the possibility of both greater gains and greater losses.

How high or low the risk is in a fund depends on the following:

• Which types of securities the fund invests in: Fixed-income securities normally have the lowest risk and shares normally have the highest risk.
• How many securities the fund invests in: The more securities, the lower the risk. An equity fund that invests in 20 companies, for example, has much higher risk than one that spreads its investments across 200 companies.
• Which industries and types of company are invested in: A newly started technology company that is not yet making money is, for example, far more risky as an investment than Apple, which already has customers and is making money today.

02.09.2026

Common myths about investing.

I need to be an expert to invest.

Investing is more about habits and smart

risk management than about expertise.

I need to wait until the market has settled down.

If you postpone investing until the perfect

The timing, as you risk missing out on

Rate of return.

Time in the market is more important than timing the

Market.

I need a lot of money to get started.

No, even small amounts can grow significantly over

Time.

In most funds you only need NOK 100 to

Get started.

I could lose all my money.

Everything carries risk, but if you have time on your side,

All history suggests that investments

The stock market will give you a better rate of return

than if you save in an account.

If the market falls, it is a sign that I

should stop my savings.

Quite the opposite.

If you buy during downturns, you get more units

for the same amount as before.

It can help strengthen your return over the

long term.