Hasse Eriksson: Savings in mutual funds can be likened to waste

a Bit simplified can be similar savings in the funds with that sort of garbage. You take care of the sorting, and then, you have to hope that those who are later in the chain do what they promised. Plastic, glass, paper and batteries do not end up in the same high.

For those who want to go it safe to make sure that the waste really ends up in the right place. Anyone who wants to be involved in their savings may be thinking the same thought. Can I be sure that the managers of these funds deliver what they promise?

believe all the good. But unfortunately, through the years, many examples in the financial industry where the concern for their own profits come well before the customers ' best interests.

For those who want to have a good handle on where your money ends up, it may be an idea to call the cards. In Carl Johan von seth's article are suggestions on how you can think of and what aids there are.

How great possibilities you have to act also depends on where the money is. A little roughly, savings in mutual funds can be divided into three parts. The private, occupational pension and premium pension.

it is their own savings. The range is enormous and there are all the opportunities to choose their own solutions, fees and focus.

Many take the easy way out and select a few funds that the bank recommends that månadsspara in. Maybe there will be a fund with a sustainable approach, if one desired it.

A first step might be to read about these. For example, perhaps the oil companies are among the holdings, and if you yourself think it is wrong, it may be time to replace the fund.

a Little less elbow room you get in the premium pension system, which is a part of the general pension scheme where money is invested in mutual funds. But still there are a large amount of funds even here, however, after several fondskandaler has the number of funds decreased compared with the past.

Many, about 3.7 million swedes, however, choose to not make any choice at all and get their money placed in the state AP7 Såfa.

even more limited. Everyone who has a job with the collective bargaining agreement has an occupational pension. It has the tray and the employer negotiated options. In most cases, it involves a handful of options to choose from.

Common to the three bags of money is that it is possible that individual savers to take a closer look at where the money ends up. But it requires a little private dedication.

Read more: Climate-smart savings – here are the pitfalls you should watch out for