I currently work for Schibsted, earning 44 000 SEK. I’m 44 years old.
We have the ability to buy shares through our employer. For every 2 shares, we get a 3rd share free. This is given 2 years after the purchase date.
We also have löneväxling. This is topped up with an extra 6%. I am investing in broad, low-cost index funds.
Apart from my home mortgage, I don’t have any other debts or loans.
Which would be better to focus most of my money into to?
- The Schibsted shares provide the biggest ‘bonus’ (50%), but there is all the inherent risk of investing in a single stock.
- The löneväxling is only giving a 6% bonus but feels more stable.
I am also saving money into a savings account to periodically pay off the interest only mortgage, plus putting money into an Avanza index fund.
Det finns 1 svar till denna fråga
Thank you for reading my blog. It’s difficult to give a definitive answer. The rule of thumb is not to use ”löneväxling” below 40 000 in salary, which you are above. Is it possible to do a combination or is it one or the other?
Otherwise I would try to do a calculated risk analysis. If you get a third stock free, will the potential loss in two years be covered by the third stock? If yes, then probably i would go for the stocks (since you are saving on the side).
Sorry to not be able to give a better answer.
Skriv ett eget svar till den här frågan
Skriv gärna så tydligt och utförligt som möjligt så att även någon annan kan ha glädje av det här svaret.