Fonde

Den store omkostningskabale

Nye EU-regler burde med virkning fra i sommers halvere omkostningerne i mange investeringsfonde.

Nikolaj Holdt Mikkelsen, CFA 31/10/2017

Flere end 800.000 danskere sparer op i investeringsfonde. Brugen af fonde er en populær og udbredt investeringsform og tilbyder attraktive egenskaber såsom risikospredning, formueforvaltning, investeringsrådgivning, brede paletter af forskellige aktivklasser og investorbeskyttelse i form af overvågning og regulering fra Finanstilsynet, finanssektorens vagthund.

Investorer betalte ved årsskiftet 1,20 pct. af formuens størrelse i årlige fondsomkostninger. Betalingen dækker bl.a. egenskaberne herover og trækkes automatisk fra opsparingens værdi og kommer derved til udtryk ved et lidt lavere afkast end ellers.

Omregnet til kroner svarer betalingen til 10 mia. kr. om året (estimeret ved årsskiftet 2016/17). Der er tale om en markant betaling og en typisk investor betaler rundt regnet 12.000 kr. om året. Hertil skal lægges andre omkostninger til fx køb og salg af værdipapirer, direkte omkostninger til banken for fx porteføljepleje o. lign.

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Nikolaj Holdt Mikkelsen, CFA

Nikolaj Holdt Mikkelsen, CFA  

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