Mer fokus på kostnader og kvalitet

Internett åpner mange spennende muligheter for den enkelte forbruker. Muligheter som enten ikke har eksistert tidligere eller som bare stod åpne for et begrenset publikum, nemlig de få hadde kunnskapen, tiden og pengene til å benytte dem. I så måte har Internett bidratt til hva man godt kan kalle en demokratisering av samfunnet. Samt til å fjerne en lang rekke konkurransehindre som tidligere gjorde varer og tjenester dyrere enn de trengte være. Og selv om mange aktører fremdeles gjør så godt de kan for å beskytte seg mot konkurranse fra andre, så er det i dag en helt annen transparens i markedet enn noen gang tidligere. har masse nyttig informasjon

Ta for eksempel som i regi av Forbrukerrådet samler og distribuerer informasjon om en lang rekke finansielle tjenester. Verdipapirfond er en slik finansiell tjeneste som portalen gir mye plass. Det dreier seg i første rekke om aksjefond, men det vies også plass til både obligasjonsfond og kombinasjonsfond. Ettersom de ulike tilbyderne opererer med ganske ulike priser når det gjelder forvaltningshonorar – det vil si det de tar seg betalt for å forvalte kundens sparepenger – har portalen en viktig funksjon i det den samler informasjon om alle aksjefond som markedsføres i Norge og gjør det mulig for forbrukeren å få opp en rangering der fondene listet etter størrelsen på honoraret.

Man skal ikke stirre seg blind på forvaltningshonorarets størrelse og tro at de billigste alltid er de beste. Når det gjelder aksjefond er det nemlig slik at enkelte av dem, de som kalles indeksfond eller indeksnære fond, er veldig mye billigere enn de andre. Grunnen til det er at det stort sett er roboter som står for forvaltningen og som sørger for at fondet utvikler seg akkurat slik markedet utvikler seg. Kjøper man indeksfond så får man altså samme avkastning som gjennomsnittet av de som investerer i markedet får. Verken mer eller mindre. Kjøper man imidlertid de dyrere fondene så er det forvaltere av kjøtt og blod som gjør jobben og da har man muligheten til å få en betydelig bedre avkastning enn gjennomsnittet. Så det å betale tre, fire ganger så mye for et aktivt forvaltet fond enn for et indeksfond kan være verd pengene.

Nå er det ikke bare størrelsen på forvaltningshonoraret som teller når man skal velge hvilket aksjefond man skal kjøpe. Minst like viktig er det å skaffe seg rede på hvilken avkastning de ulike fondene har hatt de siste årene. Det kan man imidlertid også finne opplysninger om på ettersom også slik info samles inn og distribueres. På en enkel måte kan man altså sammenlikne hvordan de ulike aksjefondene har utviklet seg over tid. Det fine er at man til og med kan velge ulike tidsintervaller. At dette er en tjeneste som er til god hjelp når den vanlige lille fondsparer skal velge fond, er det ikke noen tvil om.

Like sikkert er det at den er med på å skjerpe konkurransen fondene i mellom. For det viser at det i bunn og grunn har vært lite av den varen. Som så ofte ellers når det gjelder finansielle tjenester og produkter så viser det seg at det er vanskelig å få folk til å bytte leverandør selv om de er misfornøyde. Tenk på alle de som klager på banken sin, men forblir trofaste kunder år etter år.

En annen sammenligningsportal er Juuwin.

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