Det er egentlig lidt underligt. Her har jeg i mange år gået og troet, at investeringer, det er noget, kun de rige har råd til. Selv har jeg kun lige til dagen og vejen. Troede jeg. Men så faldt jeg over en fyrs website, hvor han taler om finansiel frihed og tidlig pensionering. Det er sådan en bevægelser, der er startet for en del år siden. Den kaldes for FIRE, som står for Financial Independence Retire Early. Det går i korthed ud på, at man minimerer sine omkostninger så meget, at man kan spare op og det overskud, man skaber ved at bruge mindre end det, man har, skal man så investere. Man skal med andre ord have sine penge til at arbejde for sig, så de kan blive til flere penge, end hvis man bare sparer op. Sådan noget med renters rente og den slags.
Finansiel frihed
Jeg syntes egentlig, at tanken om finansiel frihed er tiltrækkende. Det kunne da være fedt, hvis man kunne have tilstrækkeligt med penge som 40-årig og så bare gøre, hvad man har lyst til. Ikke være bundet af lønarbejde og forpligtigelser.
Der er mange måder at nå sådan et mål på, og man kan finde en masse artikler og videoer på nettet, som fortæller dig om, hvordan man kan opnå finansiel frihed. Nogle taler om, at inden man begynder at investere, så skal man have en opsparing, som ofte bliver kaldt en ”reserve”. Det er sådan en kasse med penge, man sætter til side og kun rører ved, hvis der sker noget uforudset. Fx at man mister sit job eller bliver syg. De fleste siger, at den reserve skal være på størrelse med det, der svarer til mindst 3 måneders udgifter, så man er dækket ind. Når man har oparbejdet den reserve, så kan man begynde at investere.
Brug for LEI nummer og registrering
Og her er det, at jeg ligesom mister sporet og ikke kan finde rundt i det. Skal man investere via sin bank, eller skal man investere som privatperson? Jeg har den opfattelse, at hvis man investerer via sin bank, så er man måske bedre sikret imod at tabe penge. Banker har også Lei numre / Lei koder. Et lei nummer er en kode, som alle firmaer, der handler med værdipapirer, skal have. Her kan du læse mere om emnet.
Mange forskellige platforme
Men jeg kan også se, at mange, der investerer som privatpersoner, gør det via forskellige platforme. Fx via peer-to-peer platforme. Sådan noget med crowdlending. Andre køber Bitcoins. Og det skræmmer mig lidt. Måske fordi jeg ikke helt forstår, hvad Bitcoins er, og hvordan de fungerer. Helt sikkert er det, at Bitcoins ligger uden for de etablerede banksystemers måde at fungere på. Og det betyder, at der ikke er reguleringsmekanismer for dem.Men en enorm udvikling er det da.
Om det er godt eller skidt, kan jeg ikke fortælle dig. Jeg ved det ikke. Jeg er jo ikke rådgiver inden for finansbranchen. Jeg lytter til, hvad min bankrådgiver råder mig til. Overvejer, hans råd, og i nogle tilfælde følger jeg dem. I andre tilfælde følger jeg dem ikke. Det er i bund og grund, måske bare et spørgsmål, om ens personlighed og om viden
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