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A bank account, however, is not an investment. The interest you receive on a savings account is lower than the price increase on goods and services, which means that money in an account loses value over time. A bank account is therefore best suited for short-term and secure storage of money (under two years).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you want to earn money on your money, you must invest in something that normally increases in value over a slightly longer period. Time is therefore important.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Anyone can invest. In funds, you can start with as little as a hundred-kroner note!\",\"isTranslated\":true}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":5304,\"altText\":\"Let your money work for you, so you can do something else.\",\"dynamicMediaPath\":\"dnbbank/3793322-1\",\"isVector\":false,\"id\":\"/content/dam/brandcentre/no/7/37/93/3/7/37/93/3/3793322.jpg\",\"width\":7952,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"\",\"standard\":\"None-1\"},\"currentBaseCroppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"default\":\"None\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/3793322-1\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3793322-1\",\"profiles\":{\"None-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3793322-1?fit=constrain,1&wid=7952\"}}},\"_meta\":{\"id\":\"textBlockV2\",\"anchorId\":\"a1e042073-c0de-417d-bd10-5d5fbd969c14\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"openText\":\"See all\",\"closeText\":\"Hide the tips\",\"withBodyText\":false,\"title\":\"8 tips for succeeding as an investor:\",\"checkmark\":true,\"isTranslated\":true,\"backgroundColor\":\"oceanGreen\",\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Set specific goals\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Understand what risk can give you\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Understand what you are investing in\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Build a clear understanding of what time means\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Spread your risk, always\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Use downturns to your advantage\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Invest regularly\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"cardTitle\":\"Gain experience before you go \\\"all in\\\"\",\"isTranslated\":true,\"bodyText\":\"\",\"_meta\":{\"id\":\"sellingPointCard\"}}],\"_meta\":{\"id\":\"sellingPointCards\",\"anchorId\":\"a050f2289-e339-4d80-9066-9cf92b5af510\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"What is?\",\"isTranslated\":true,\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Share savings account\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A share savings account is a tax scheme for consolidating your equity investments in one place. 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We answer all the common questions and you can watch short instructional videos that show you how to buy and sell.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Everything about shares and share trading\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/markets/shares/how-to-and-faqs\",\"href\":\"/en/markets/shares/how-to-and-faqs\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"selfSegmentationItem\"}}],\"_meta\":{\"id\":\"selfSegmentation\",\"anchorId\":\"addcbb4dd-c40e-45f4-b4b9-f36d98dc8a6d\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"Investing in funds is simple and well suited for beginners\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"noImage\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you buy units in a fund, you get a professional manager as part of the deal. Someone who buys and sells securities in the fixed income and equity markets for you. Securities can include, for example, shares, bonds or commercial paper.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The manager cannot simply buy and sell anything with your money. Mutual fund management is strictly regulated, and each fund is managed according to a set of rules, an investment profile, specified for that fund.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you buy fund units, you should read about the fund and how it is managed. Then you will know what you are investing in and what you can expect.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There are many types of funds, with different levels of risk and different potential for rate of return.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"See facts about the different funds here\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.dnb.no/sparing/fond/fond-liste\",\"isTranslated\":true,\"openInNewTab\":true,\"href\":\"https://www.dnb.no/sparing/fond/fond-liste\"}}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"altText\":\"\",\"id\":\"\",\"isTranslated\":true,\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"standard\":\"Wide-1\"}},\"_meta\":{\"id\":\"textBlockV2\",\"anchorId\":\"a5d5f338f-f66d-4576-9958-88dda84913fc\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"What are the different fund types?\",\"isTranslated\":true,\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Mutual fund\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A fund is a collection of securities bundled together into one package. You can buy shares in the fund. The money you and other fund investors put into the fund is used by the manager to buy securities on your behalf.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A fund can hold anywhere from 16 to several hundred different securities.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A fund can buy both equities, bonds and other fixed-income securities.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The greater the proportion of equities in a fund, the higher the risk and rate of return you can expect. Due to short-term fluctuations, equity funds are best suited for long-term savings.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Conversely, the risk and return potential are lower the more fixed-income securities there are in a fund.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"By long term we mean at least 6 years.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about funds\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/sparing/fond/_jcr_content/root/faqs\",\"anchorText\":\"fondstyper\",\"url\":\"/content/dnb/open/no/sparing/fond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond#fondstyper\"}}]}],\"_meta\":{\"id\":\"dictionaryItems\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Index funds\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An index fund buys the equities that are in a given index (an index is a fixed selection of equities).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The managers of index funds do not analyse and select individual shares. They simply buy and sell in line with the index the fund tracks, with some exceptions*. If you buy DNB Norge Indeks, for example, you receive the shares included in the main index on the Oslo Stock Exchange.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"This type of management is less expensive to carry out, and therefore these funds are also cheaper to own.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"We offer many different index funds:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Global Indeks\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Global Emerging Markets\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Europa Indeks\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Norden Indeks\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Norge Indeks\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB USA Indeks\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Klima Indeks\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"*NOTE: Our index funds do not track the indices slavishly; we always exclude shares that are environmentally harmful and unethical.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about index funds\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/fond/indeksfond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond/indeksfond\"}}]}],\"_meta\":{\"id\":\"dictionaryItems\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Active funds\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In an active fund, the managers 'pick' shares based on analyses and examinations.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The managers then buy the shares they believe are most likely to rise in value. The aim is to generate a better rate of return than the index for the fund holders.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You will find active funds in both geographical funds and sector funds. Geographical funds invest only in a specific region, for example in the US. Sector funds invest only in one sector, for example technology.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Active management involves hours of analysis, visits to companies, conversations with company management, and so on. All to find the 'winning shares' that can generate the highest possible rate of return in the fund.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The demanding management makes these funds slightly more expensive to own.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you start saving, you must familiarise yourself with the expected risk and charges.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Examples of geographical funds:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB SMB – invests in small and medium-sized enterprises in Norway\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Global Lavkarbon – invests in low-carbon companies globally\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Norge Selektiv – invests in selected companies in Norway\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Grønt Norden – invests in environmentally friendly companies in the Nordic region\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Global Emerging Markets – invests in companies in China, India and South America, amongst others\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Examples of sector funds:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Teknologi – invests in technology companies\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Health Care – invests in pharmaceuticals and other healthcare enterprises\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Telecom – invests in telecommunications\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Bioteknologi – invests in biotechnology\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Finans – invests in banking, insurance and other financial institutions\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about actively managed funds\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/fond/aksjefond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond/aksjefond\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" \",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"dictionaryItems\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Equity fund\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An equity fund is a fund where at least 80 per cent of the money is invested in shares\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The possibilities for combining funds are virtually endless. This has made the range enormous, and it is difficult to choose.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You may have heard of index funds, passive funds, actively managed funds, sector funds and geographical funds?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"All of these are equity funds.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The various descriptions of equity funds are designed to indicate how the different funds are managed and what types of companies they invest in.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Many divide equity funds into active and passive funds. We explain the difference below.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about equity funds.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/fond/aksjefond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond/aksjefond\"}}]}],\"_meta\":{\"id\":\"dictionaryItems\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Fixed-income fund\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Fixed-income funds are mutual funds that invest all the money in various fixed-income securities, such as government bonds and other debt instruments.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about fixed-income funds.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/fond/rentefond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond/rentefond\"}}]}],\"_meta\":{\"id\":\"dictionaryItems\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Balanced fund\",\"isTranslated\":true,\"explanation\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Balanced fund is simply explained as a mixture of both equities and interest rates. The proportion of equities the balanced fund invests in determines how high the risk is.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Learn more about balanced fund.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/fond/kombinasjonsfond\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/fond/kombinasjonsfond\"}}]}],\"_meta\":{\"id\":\"dictionaryItems\"}}],\"_meta\":{\"id\":\"dictionary\",\"anchorId\":\"a005c5d2a-de37-4ec5-994b-e2b2cce8258f\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"When you need to choose a fund, you should start with yourself and your goal.\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"noImage\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Answer these three questions:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"How long is it until you need the money?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"How high a rate of return do you need to reach your goal?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"How high a risk are you willing to take?\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In addition, you should consider whether there are any markets you particularly believe will grow in the future. Take time to familiarise yourself with the funds' investment profiles, and make your own assessment based on what you believe in.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The answers you give yourself to these questions should determine which type of fund you should choose:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Equity funds are suitable the longer you need to save, and the higher your return requirements. Fixed-income funds are more suitable if you have a short horizon, or dislike value fluctuations along the way.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Feel free to use the savings guide in the Spare-app.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/spare-app\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/spare-app\"}}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"altText\":\"\",\"id\":\"\",\"isTranslated\":true,\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"standard\":\"Wide-1\"}},\"_meta\":{\"id\":\"textBlockV2\",\"anchorId\":\"af805ac71-358f-47da-8626-92aa70d5d2b2\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"Start saving today!\",\"isTranslated\":true,\"introduction\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There are many types of funds, with varying risk and return potential. 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When you buy shares in a company, you become one of the owners. The owners of a private limited company are entitled to their proportion of the value creation in the company. If the company performs well and has a dividend policy, you as an owner may receive a cash dividend for each share you own either annually, semi-annually or quarterly.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the company performs well over time, the company and the shares will increase in value. You can then choose to sell your shares at a higher price than what you paid for them.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"As a shareholder, you can also influence how the company is run. 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