Warning: Constant ABSPATH already defined in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php on line 22 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 {"id":2441,"date":"2009-01-15T08:37:46","date_gmt":"2009-01-15T07:37:46","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=2441"},"modified":"2009-01-15T08:38:38","modified_gmt":"2009-01-15T07:38:38","slug":"krisen-slar-mot-pensioner","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=2441","title":{"rendered":"Krisen sl\u00e5r mot pensioner"},"content":{"rendered":"

Pensionsbolaget SPP kommer inte att r\u00e4kna upp pensionen f\u00f6r 40.000 pension\u00e4rer – trots fjol\u00e5rets inflationschock. Bolaget har inte r\u00e5d, l\u00e4ser jag<\/a> i DN.<\/p>\n

SPP:s \u00e5tg\u00e4rd ber\u00f6r de pension\u00e4rer som i sina avtal har s\u00e5 kallade f\u00f6rm\u00e5nsbest\u00e4mda pensioner. Dessa ska v\u00e4rdes\u00e4kras, det vill s\u00e4ga de ska h\u00f6jas med inflationen, m\u00e4tt som konsumentprisindex (KPI).<\/p>\n

Finanskrisen har under 2008 slagit mot tillg\u00e5ngarnas v\u00e4rde, men samtidigt har KPI stigit kraftigt. Eftersom tillg\u00e5ngarna gr\u00f6pts ur kan inte SPP h\u00f6ja pensionerna i takt med KPI.<\/p>\n

N\u00e4r SPP ombildades till ett vinstutdelande aktiebolag fattades beslutet att bolaget inte skulle ha en buffert f\u00f6r de f\u00f6rm\u00e5nsbest\u00e4mda pensionerna, skriver DN.<\/p>\n

Det \u00e4r ett nattsvart bokslut som de fyra AP-fondsdirekt\u00f6rererna just nu \u00e4r p\u00e5 v\u00e4g att sammanst\u00e4lla, ber\u00e4ttar SvD<\/a>. F\u00f6rst om n\u00e5gon m\u00e5nad kommer de att redovisa resultatet. Men att 2008 blir rekordd\u00e5ligt f\u00f6r de statliga pensionsfonderna st\u00e5r utom allt tvivel efter b\u00f6rskrascherna v\u00e4rlden \u00f6ver.<\/p>\n

Redan halv\u00e5rsresultaten var dystra. Alla fyra fonder gjorde stora f\u00f6rluster – totalt minus 75 miljarder kronor.<\/p>\n

S\u00e4mst gick det f\u00f6r Andra AP-fonden i G\u00f6teborg med vd Eva Halvarsson. Hon redovisade ilsket r\u00f6da siffror, minus 21 miljarder kronor, efter bara sex m\u00e5nader. Men d\u00e5 hade den verkliga krisen och det riktiga raset p\u00e5 v\u00e4rldens b\u00f6rser inte ens inletts. Den kom under oktober d\u00e5 b\u00f6rsen under n\u00e5gra kaotiska veckor f\u00f6ll \u00f6ver 20 procent. Det kommer att svida i AP-fondernas bokslut, p\u00e5 samma s\u00e4tt som det har svidit f\u00f6r alla andra som har placerat i akter.<\/p>\n

Fonderna hade f\u00f6r ett \u00e5r sedan 879 miljarder kronor i totalt fondkapital. 150-200 miljarder av den f\u00f6rm\u00f6genheten \u00e4r nu utraderad. Det \u00e4r omkring 20 procent av kapitalet.<\/p>\n

Merparten av AP-fondernas kapital \u00e4r investerade i aktier, 55-65 procent av tillg\u00e5ngarna. F\u00f6rsta-, Andra- och Fj\u00e4rde AP fonden har en aktieandel p\u00e5 drygt 60 procent. Tredje AP-fonden n\u00e5got l\u00e4gre, 56 procent. Taket f\u00f6r andelen aktier \u00e4r 70 procent.<\/p>\n

F\u00f6rutom aktier \u00e4r pensionspengarna huvudsakligen placerade i r\u00e4nteb\u00e4rande papper och i fastigheter. Reglerna s\u00e4ger att minst 30 procent av kapitalet m\u00e5ste vara placerade i r\u00e4ntepapper.<\/p>\n

Diversifieringen g\u00f6r att AP-fondernas ras \u00e4nd\u00e5 inte \u00e4r i n\u00e4rheten av b\u00f6rsens. Stockholmsb\u00f6rsen backade med 42 procent f\u00f6rra \u00e5ret. AP-fondernas avkastning kommer att ligga kring minus 20 procent, enligt SvD.<\/p>\n

Andra bloggar om: Pension<\/a>, Finanskris<\/a>, Fonder<\/a>, AP-fonder<\/a>, Avkastning<\/a>, Aktier<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Pensionsbolaget SPP kommer inte att r\u00e4kna upp pensionen f\u00f6r 40.000 pension\u00e4rer – trots fjol\u00e5rets inflationschock. Bolaget har inte r\u00e5d, l\u00e4ser jag i DN. SPP:s \u00e5tg\u00e4rd ber\u00f6r de pension\u00e4rer som i sina avtal har s\u00e5 kallade f\u00f6rm\u00e5nsbest\u00e4mda pensioner. Dessa ska v\u00e4rdes\u00e4kras, det vill s\u00e4ga de ska h\u00f6jas med inflationen, m\u00e4tt som konsumentprisindex (KPI). Finanskrisen har under […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[52,73,44],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/2441"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2441"}],"version-history":[{"count":3,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/2441\/revisions"}],"predecessor-version":[{"id":2444,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/2441\/revisions\/2444"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2441"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}