Nå får sparekontoen en sterk konkurrent
Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.
Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.
Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.
Det er nytt fra 1. januar.
Endringen gir to fordeler som øker lønnsomheten over tid:
- Den utsatte skatten fører til en rentes-rente-effekt på sparingen.
- Den effektive skattesatsen reduseres.
Saken oppsummert
• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.
• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.
• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.
Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.
Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.
Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten 2,8 prosent.
Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.
Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.
Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.
Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.
Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.
– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.
Investeringsdirektør Robert Næss i Nordea.
Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.
Det er betydelig høyere enn en gjennomsnittlig sparerente i banken.
– I praksis ingen risiko
Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.
– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.
På risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.
Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.
– Vil bli mer populært
– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.
Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.
Porteføljeforvalter Joar Hagatun i Kron.
– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.
Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.
– Viktig å være klar over gebyrene
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på nettsidene til Forbrukerrådets finansportal.
– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.
Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.
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Bank og finans 📁
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Robert Næss
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📊 Metadata
Category: Bank og finans
Article Version History (4 versions)
This article has been updated since it was first fetched. Below are all versions:
Version 4
Current
2025-12-21 15:14:06
Nå får sparekontoen en sterk konkurrent
UPDATE
Author: Johan B Sættem
Published: 2025-12-19 04:11:45
Updated: 2025-12-21 14:21:43
Category: Bank og finans
📝 Summary
Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.
📄 Full Content (4706 chars)
Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.
Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.
Det er nytt fra 1. januar.
Endringen gir to fordeler som øker lønnsomheten over tid:
- Den utsatte skatten fører til en rentes-rente-effekt på sparingen.
- Den effektive skattesatsen reduseres.
Saken oppsummert
• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.
• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.
• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.
Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.
Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.
Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten 2,8 prosent.
Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.
Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.
Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.
Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.
Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.
– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.
Investeringsdirektør Robert Næss i Nordea.
Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.
Det er betydelig høyere enn en gjennomsnittlig sparerente i banken.
– I praksis ingen risiko
Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.
– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.
På risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.
Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.
– Vil bli mer populært
– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.
Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.
Porteføljeforvalter Joar Hagatun i Kron.
– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.
Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.
– Viktig å være klar over gebyrene
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på nettsidene til Forbrukerrådets finansportal.
– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.
Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats.\n\n• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\n\n• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
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role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7128" data-ec-name="Livesport" data-ec-variant="N/A" href="https://resultater.nrk.no/">Livesport</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6851" data-ec-name="Sendeplan" data-ec-variant="N/A" href="/sport/sendeplan/">Sendeplan</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.8030" data-ec-name="Spill" 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href="/former-1.17105310">Former</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17073958" data-ec-name="Tvers (minispill)" data-ec-variant="N/A" href="/tvers-1.17073958">Tvers</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6950" data-ec-name="Agder" data-ec-variant="N/A" href="/sorlandet/">Agder</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Akershus" data-ec-variant="N/A" href="/stor-oslo/">Akershus</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle 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data-ec-id="pp:2.6947" data-ec-name="Nordland" data-ec-variant="N/A" href="/nordland/">Nordland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Oslo" data-ec-variant="N/A" href="/stor-oslo/">Oslo</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6948" data-ec-name="Rogaland" data-ec-variant="N/A" href="/rogaland/">Rogaland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Telemark" data-ec-variant="N/A" href="/vestfoldogtelemark/">Telemark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Troms" data-ec-variant="N/A" href="/tromsogfinnmark/">Troms</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6943" data-ec-name="Tr&oslash;ndelag" data-ec-variant="N/A" href="/trondelag/">Trøndelag</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Vestfold" data-ec-variant="N/A" href="/vestfoldogtelemark/">Vestfold</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7623" data-ec-name="Vestland" data-ec-variant="N/A" href="/vestland/">Vestland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6953" data-ec-name="&Oslash;stfold" data-ec-variant="N/A" href="/ostfold/">Østfold</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!">Temasider</h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 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leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://www.nrk.no/nyinorge/" data-ec-name="Ny i Norge" data-ec-variant="N/A" href="/nyinorge/">Ny i Norge</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.7002" data-ec-name="Info" data-ec-variant="N/A" href="https://www.nrk.no/informasjon/">Info</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://hjelp.nrk.no" data-ec-name="Hjelp" data-ec-variant="N/A" href="https://hjelp.nrk.no/">Hjelp</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7002" data-ec-name="Informasjon" data-ec-variant="N/A" href="/informasjon/">Informasjon</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://info.nrk.no/baerekraft" data-ec-name="Bærekraft" data-ec-variant="N/A" href="https://info.nrk.no/baerekraft">Bærekraft</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://info.nrk.no/karriere" data-ec-name="Karriere" data-ec-variant="N/A" href="https://info.nrk.no/karriere/">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>
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<h1 class="title title-large article-title ">Nå får sparekontoen en sterk konkurrent</h1>
<div class="text-body text-body-sans-serif article-lead">
<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>
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<div class="g70 col fl s12 sl18 sg6 sg9 article-lead-media ">
<!-- include: /serum/render?id=1.17666113&size=12&perspective=RICH&alignment=CENTER&caption=Flere+privatpersoner+vil+trolig+investere+i+rentefond+i+tiden+fremover.+&type=image&aspect=F169 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="En hånd holder en telefon med en spareapp" loading="eager" sizes="(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
<figcaption>
<p class="">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>
<small>Foto: Johan B. Sættem / NRK</small>
</figcaption>
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<a class="author__name" href="https://www.nrk.no/forfatter/johan-b-saettem-18.8224" title="Gå til personens side">
Johan B Sættem
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<span> – Journalist</span>
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19.12.2025, kl. 05.11
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21.12.2025, kl. 15.21
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<p class="article-body--updating" data-is-updating-article="false" data-last-updated="1766326903000" data-updating-text="Saken oppdateres."></p>
<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>
<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>
<p>Det er nytt fra 1. januar.</p>
<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>
<ul>
<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>
<li>Den effektive skattesatsen reduseres.</li>
</ul>
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<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.</p>
<p>• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.</p>
<p>• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>
<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>
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<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>
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<div class="responsive-img F169"><img alt="To unge menn sitter på en benk" loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w" title="Foto: Kaspara Aavik Stoltze / NRK"></div>
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<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id="https://www.ssb.no/statbank/table/11019/tableViewLayout1/" ec-name="2,8 prosent" href="https://www.ssb.no/statbank/table/11019/tableViewLayout1/">2,8 prosent</a>.</p>
<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>
<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>
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Mobilen tar over for bankkortet
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<div class="responsive-img F169"><img alt="Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w" title="Foto: Terje Bendiksby / NTB"></div>
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<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>
<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>
<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>
<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>
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<div class="responsive-img F169"><img alt="Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo." loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
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<p class="">Investeringsdirektør Robert Næss i Nordea.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>
<p>Det er betydelig høyere enn en <a ec-id="https://www.forbrukerradet.no/finansportalen/bank/innskudd" ec-name="gjennomsnittlig sparerente" href="https://www.forbrukerradet.no/finansportalen/bank/innskudd">gjennomsnittlig sparerente</a> i banken.</p>
<h2>– I praksis ingen risiko</h2>
<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>
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<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>
<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>
<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>
<h2>– Vil bli mer populært</h2>
<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17656789" data-ec-name="Har du noen gang sett denne seddelen?" href="https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789">
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<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
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Har du noen gang sett denne seddelen?
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<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>
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<p class="">Porteføljeforvalter Joar Hagatun i Kron.</p>
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<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>
<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>
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<p class="">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>
<small>Foto: Håkon Benjaminsen / NRK</small>
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<h2>– Viktig å være klar over gebyrene</h2>
<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id="https://www.forbrukerradet.no/fond/likviditetsfond" ec-name="nettsidene til Forbrukerrådets finansportal." href="https://www.forbrukerradet.no/fond/likviditetsfond">nettsidene til Forbrukerrådets finansportal.</a></p>
<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>
<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>
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<span class="article-dateline-annotation">Publisert</span>
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19.12.2025, kl. 05.11
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<span class="article-update-date update-date"><span class="article-dateline-annotation">Oppdatert</span>
<time class="datetime-relative dateModified" datetime="2025-12-21T15:21:43+01:00">
21.12.2025, kl. 15.21
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Bank og finans
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<img alt="" class="lazyload" data-srcset="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwISKUro2E-a9ncCJRtvCSrg 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwnlwoS3qW7zRncCJRtvCSrg 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBvHfjaXl90JncCJRtvCSrg 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwL0hw5Hp_MzFncCJRtvCSrg 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwY-ZFg9oji2tncCJRtvCSrg 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwKz_gJ0J5VmVncCJRtvCSrg 1200w" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg" srcset="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w" title="">
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<picture>
<source media="(min-width: 720px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwISKUro2E-a9ncCJRtvCSrg 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwnlwoS3qW7zRncCJRtvCSrg 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBvHfjaXl90JncCJRtvCSrg 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwL0hw5Hp_MzFncCJRtvCSrg 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwY-ZFg9oji2tncCJRtvCSrg 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwKz_gJ0J5VmVncCJRtvCSrg 1200w">
<img sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw" srcset="https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwMQdIhoTz7qSf7FYy4B7Akw 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwQgNHfGHi5NCf7FYy4B7Akw 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwSQsoinE5WTuf7FYy4B7Akw 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtw1HE5dQl4uZaf7FYy4B7Akw 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwisfx9qUPPcuf7FYy4B7Akw 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwDyZRBHwdaQSf7FYy4B7Akw 1200w" title="">
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<div class="kur-room__content">
<h2 class="kur-room__title kur-room__title--3">
<span>
Amerikanske Kari sjokkert over norsk adventstid
</span>
</h2>
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</a>
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<div class="kur-room-wrapper kur-room--size-50 kur-room--standard tracklp" data-testid="kur-room-id-1263331">
<div class="kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork" data-ec-category="size-50" data-ec-entity-id="1263331" data-ec-id="pp:article:1.17690395" data-ec-name="– Tror mange ikke er klar over dette" data-ec-position="2" lang="no">
<a href="https://www.nrk.no/stor-oslo/oskar-hadde-manedskort.-ma-likevel-betale-bot_-1.17690395">
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<source data-srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w" media="(max-width: 719px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w">
<img alt="" class="lazyload" data-srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgcptQ5Hdgg3CFdHuNfzjDOQ 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgPWCXJOpuQRqFdHuNfzjDOQ 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgEcZsCR6YbTqFdHuNfzjDOQ 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg7LqBa32_RS6FdHuNfzjDOQ 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgBbSvW0Xk5yOFdHuNfzjDOQ 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkggWcJbh-cxI6FdHuNfzjDOQ 1200w" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w" title="">
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<noscript>
<picture>
<source media="(min-width: 720px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgcptQ5Hdgg3CFdHuNfzjDOQ 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgPWCXJOpuQRqFdHuNfzjDOQ 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgEcZsCR6YbTqFdHuNfzjDOQ 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg7LqBa32_RS6FdHuNfzjDOQ 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgBbSvW0Xk5yOFdHuNfzjDOQ 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkggWcJbh-cxI6FdHuNfzjDOQ 1200w">
<img sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w" title="">
</picture>
</noscript>
</figure>
</div>
<div class="kur-room__content">
<h2 class="kur-room__title kur-room__title--4">
<span>
<small>Oskar hadde månedskort – fikk likevel bot:</small> <span class="kur-nowrap">– </span>Tror mange ikke er klar over dette
</span>
</h2>
</div>
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</section>
</section>
</div>
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<h3 class="widget-title skin-border"><span>AKTUELT NÅ</span></h3>
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<div class="compilation widget brief plug cf js-initialize lp_compilation" data-id="1.12763090" data-perspective="BRIEF">
<a class="autonomous" data-id="1.12763090" href="https://www.nrk.no/mr/vaeret-1.12763090" title="Været">
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<figure class="image widget rich plug-image">
<div class="responsive-img F169"><img alt="Bildet viser en kostelig kystlinje med snødekte fjell i bakgrunnen. En bro strekker seg mellom små øyer og land, omgitt av vann. Det er flere bygninger synlige på land, både røde og hvite. Himmelens farger antyder overskyet vær." loading="eager" sizes="(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgijiHNZv0cR-Hd1uuW_5nhw.jpg 80w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgtpqvKDKMROKHd1uuW_5nhw.jpg 160w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgjQ3QvOUT_mSHd1uuW_5nhw.jpg 350w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgNs2668jBy0SHd1uuW_5nhw.jpg 450w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBg61FlXtR0GN6Hd1uuW_5nhw.jpg 650w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgk2psgBUcLmiHd1uuW_5nhw.jpg 1000w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBg5KD-WImoWk-Hd1uuW_5nhw.jpg 1200w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgqN4GIJUCL6SHd1uuW_5nhw.jpg 1600w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgyKGi2C9S1c2Hd1uuW_5nhw.jpg 2000w" title="Foto: Eirik Haukenes / NRK"></div>
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<small>Foto: Eirik Haukenes / NRK</small>
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<h3 class="widget-title skin-border"><span>SISTE NYTT</span></h3>
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<header class="stream-header">
<h3 class="stream-title"><time aria-live="off"> </time>Siste meldinger
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<a class="autonomous skin-text" data-id="1.17702002" href="https://www.nrk.no/nyheter/reuters_-usa-har-stoppa-nytt-skip-utanfor-venezuela-1.17702002">
<time class="bulletin-publication-time">
16:10
</time>
Reuters: USA har stoppa nytt skip utanfor Venezuela
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<time class="bulletin-publication-time">
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Sindre Tjelmeland blir Molde-trener – får ikke begynne før mai
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<time class="bulletin-publication-time">
15:49
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Sikta for drap etter fall frå bustadblokk i København
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<time class="bulletin-publication-time">
15:43
</time>
Frankrike vil bygge nytt hangarskip
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<a class="autonomous skin-text" data-id="1.17701847" href="https://www.nrk.no/vestfoldogtelemark/alvorlig-trafikkulykke-i-porsgrunn-1.17701847">
<time class="bulletin-publication-time">
14:40
</time>
Alvorlig trafikkulykke i Porsgrunn
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<time class="bulletin-publication-time">
13:11
</time>
Drapssiktet nekter straffskyld
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<time class="bulletin-publication-time">
12:56
</time>
Rekordmange migranter krysset Den engelske kanal
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<time class="bulletin-publication-time">
12:20
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Person sendt til legevakt etter frontkollisjon på E6
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<span class="teaser widget reference emphasis-medium">
<a class="autonomous skin-text" data-id="1.17701755" href="https://www.nrk.no/nyheter/store-snakket-med-zelenskyj_-_-star-samlet-1.17701755">
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aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Kontakt NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/lisens/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Lisens</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/publikum/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Publikum i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/deltaker/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/presse/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Presse</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Hjelp<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Hjelp</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Tjenester<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.yr.no"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Yr</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/skole/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>NRK Skole</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Tjenester</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.yr.no"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Yr</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/skole/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>NRK Skole</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Produksjon<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/eksternproduksjon/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Eksterne produksjoner</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/retningslinjer/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Retningslinjer og design</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Produksjon</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/eksternproduksjon/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Eksterne produksjoner</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/retningslinjer/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Retningslinjer og design</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Salg<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/salg/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Spons og salg</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden 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"author" : "Johan B Sættem",
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats.\n\n• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\n\n• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
"created_at" : "2025-12-21 15:14:06",
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"metadata" : "{\"author\":\"Johan B Sættem\",\"schema\":{\"microdata\":{\"thumbnailUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\",\"contentUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ\"}},\"twitter\":{\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"card\":\"summary\",\"site\":\"@NRKno\",\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\"},\"published_at\":\"2025-12-19 04:11:45\",\"image_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"source_updated_at\":\"2025-12-21 14:21:43\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"content\":\"Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\\n\\nÃ
rsaken er at skatten fra nyttÃ¥r skal betales etter at fondsandelene er solgt.\\n\\nDet er nytt fra 1. januar.\\n\\nEndringen gir to fordeler som øker lønnsomheten over tid:\\n\\n- Den utsatte skatten fører til en rentes\\\\-rente\\\\-effekt pÃ¥ sparingen.\\n- Den effektive skattesatsen reduseres.\\n\\n### Saken oppsummert\\n\\n⢠Nye skatteregler fra 2026 gjør at skatt pÃ¥ renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\\\-rente\\\\-effekt og lavere effektiv skattesats.\\n\\n⢠I likhet med banksparing er skattesatsen pÃ¥ gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\\n\\n⢠Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. ⢠Likviditetsfond har svært lav risiko, med en risikovurdering pÃ¥ 1 av 7, og regnes som trygge investeringer. ⢠Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig Ã¥ være oppmerksom pÃ¥ gebyrer og at de ikke omfattes av Bankenes sikringsfond. ⢠Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. ⢠ForbrukerrÃ¥det anbefaler Ã¥ bruke Finansportalen for Ã¥ sammenligne renter og gebyrer før man investerer i rentefond.\\n\\nOppsummeringen er laget av en KI\\\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\\n\\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner pÃ¥ kontoer uten bindingstid, ifølge SSB.\\n\\nBeløpet inkluderer bÃ¥de spare\\\\- og lønnskontoer. I gjennomsnitt var den Ã¥rlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\\n\\nNormalt anbefales det Ã¥ spare i aksjefond dersom sparingen skjer over mange Ã¥r.\\n\\nLikevel er det mange som velger Ã¥ ha betydelige beløp pÃ¥ sparekonto over tid.\\n\\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttÃ¥r gjør rentefond til et godt alternativ til banksparing.\\n\\nSkatten pÃ¥ gevinster i rentefond er lik skatten pÃ¥ vanlig banksparing, 22 prosent.\\n\\nTil sammenligning er skatten pÃ¥ gevinster i aksjefond 37,84 prosent.\\n\\n**â Ja, jeg synes absolutt det. For dette er en mulighet til Ã¥ fÃ¥ litt høyere avkastning, sier han.**\\n\\nInvesteringsdirektør Robert Næss i Nordea.\\n\\nRenten pÃ¥ rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\\n\\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\\n\\n## â I praksis ingen risiko\\n\\nNye skatteregler gjør rentefondene med svært lav risiko, de sÃ¥kalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\\n\\n**â I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlÃ¥n til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\\n\\nPÃ¥ risikoskalaen som brukes for finansielle produkter i EU/EÃS, har slike rentefond oftest en risikovurdering pÃ¥ 1 av 7, det aller laveste nivÃ¥et.\\n\\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering pÃ¥ 4 av 7.\\n\\n## â Vil bli mer populært\\n\\nâ Du slipper Ã¥ betale skatten løpende hvert Ã¥r. Du betaler skatten pÃ¥ rentene først nÃ¥r du selger fondet. Og hvis du selger fondet etter fem eller ti Ã¥r, sÃ¥ blir dagens verdier av skatten litt lavere enn om du skulle betale hvert Ã¥r, sier Næss.\\n\\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand â og venter at flere nÃ¥ vil velge rentefond i Ã¥ret som kommer.\\n\\nPorteføljeforvalter Joar Hagatun i Kron.\\n\\n**â Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og sÃ¥ blir den nÃ¥ enda litt bedre, i og med at vi fÃ¥r denne utsatte skattefordelen, sier han.**\\n\\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager Ã¥ ta ut sparepengene sine i et likviditetsfond.\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det.\\n\\n## â Viktig Ã¥ være klar over gebyrene\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det rÃ¥der folk som vurderer rentefond som alternativ til banksparing, om Ã¥ orientere seg pÃ¥ [nettsidene til ForbrukerrÃ¥dets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\\n\\n**â Der finner du full oversikt over bÃ¥de historiske renter og ulike gebyrer som er verdt Ã¥ være klar over, sier hun.**\\n\\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.\",\"category\":\"Bank og finans\",\"meta\":{\"Generator\":\"Panorama\",\"robots\":\"index,follow\",\"dc.date.issued\":\"2025-12-19\",\"apple-mobile-web-app-status-bar-style\":\"#eef5ff\",\"theme-color\":\"#eef5ff\",\"msapplication-navbutton-color\":\"#eef5ff\",\"viewport\":\"width=device-width,initial-scale=1.0\",\"author\":\"Johan B Sættem\",\"msapplication-tap-highlight\":\"no\",\"p:domain_verify\":\"ec4318a079405ca7cd9055634d626a64\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"Revisit-after\":\"1 Days\"},\"raw_feed_item\":\"<item>\\r\\n <title>NÃ¥ fÃ¥r sparekontoen en sterk konkurrent</title>\\r\\n <link>https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359</link>\\r\\n <description>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</description>\\r\\n <category>Bank og finans</category>\\r\\n <pubDate>Fri, 19 Dec 2025 04:11:45 GMT</pubDate>\\r\\n <guid isPermaLink=\\\"false\\\">1.17690359</guid>\\r\\n <dc:creator>Johan B Sættem</dc:creator>\\r\\n <dc:date>2025-12-19T04:11:45Z</dc:date>\\r\\n <media:content medium=\\\"image\\\" type=\\\"image/jpeg\\\" url=\\\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MraWgyV7HOkMQ.jpg\\\">\\r\\n <media:credit role=\\\"photographer\\\" scheme=\\\"urn:ebu\\\">Johan B. 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"published_at" : "2025-12-19 04:11:45",
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class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6837\" data-ec-name=\"Dokumentar\" data-ec-variant=\"N/A\" href=\"/dokumentar/\">Dokumentar</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6831\" data-ec-name=\"Ytring\" data-ec-variant=\"N/A\" href=\"/ytring/\">Ytring</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7375\" data-ec-name=\"NRK Sápmi\" data-ec-variant=\"N/A\" href=\"/sapmi/\">NRK Sápmi</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7427\" data-ec-name=\"NRK Kvensk\" data-ec-variant=\"N/A\" href=\"/kvensk/\">NRK Kvensk</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sportsnyheter\" data-ec-variant=\"N/A\" href=\"/sport/\">Sportsnyheter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7128\" data-ec-name=\"Livesport\" data-ec-variant=\"N/A\" href=\"https://resultater.nrk.no/\">Livesport</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6851\" data-ec-name=\"Sendeplan\" data-ec-variant=\"N/A\" href=\"/sport/sendeplan/\">Sendeplan</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.8030\" data-ec-name=\"Spill\" data-ec-variant=\"N/A\" href=\"/spill/\">Spill</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.13834273\" data-ec-name=\"Quiz\" data-ec-variant=\"N/A\" href=\"/emne/quiz-1.13834273\">Quiz</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17105310\" data-ec-name=\"Former (minispill)\" data-ec-variant=\"N/A\" href=\"/former-1.17105310\">Former</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17073958\" data-ec-name=\"Tvers (minispill)\" data-ec-variant=\"N/A\" href=\"/tvers-1.17073958\">Tvers</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6950\" data-ec-name=\"Agder\" data-ec-variant=\"N/A\" href=\"/sorlandet/\">Agder</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Akershus\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Akershus</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6974\" data-ec-name=\"Buskerud\" data-ec-variant=\"N/A\" href=\"/buskerud/\">Buskerud</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Finnmark\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Finnmark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6944\" data-ec-name=\"Innlandet\" data-ec-variant=\"N/A\" href=\"/innlandet/\">Innlandet</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6946\" data-ec-name=\"M&oslash;re og Romsdal\" data-ec-variant=\"N/A\" href=\"/mr/\">Møre og Romsdal</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6947\" data-ec-name=\"Nordland\" data-ec-variant=\"N/A\" href=\"/nordland/\">Nordland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Oslo\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Oslo</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6948\" data-ec-name=\"Rogaland\" data-ec-variant=\"N/A\" href=\"/rogaland/\">Rogaland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Telemark\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Telemark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Troms\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Troms</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6943\" data-ec-name=\"Tr&oslash;ndelag\" data-ec-variant=\"N/A\" href=\"/trondelag/\">Trøndelag</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Vestfold\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Vestfold</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7623\" data-ec-name=\"Vestland\" data-ec-variant=\"N/A\" href=\"/vestland/\">Vestland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6953\" data-ec-name=\"&Oslash;stfold\" data-ec-variant=\"N/A\" href=\"/ostfold/\">Østfold</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\">Temasider</h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/video/humor/\" data-ec-name=\"NRK Humor\" data-ec-variant=\"N/A\" href=\"/video/humor/\">NRK Humor</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7009\" data-ec-name=\"NRK Mat\" data-ec-variant=\"N/A\" href=\"/mat/\">NRK Mat</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7159\" data-ec-name=\"NRK Skole\" data-ec-variant=\"N/A\" href=\"/skole/\">NRK Skole</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrkbeta.no\" data-ec-name=\"NRKbeta\" data-ec-variant=\"N/A\" href=\"https://www.nrkbeta.no/\">NRKbeta</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/nyinorge/\" data-ec-name=\"Ny i Norge\" data-ec-variant=\"N/A\" href=\"/nyinorge/\">Ny i Norge</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Info\" data-ec-variant=\"N/A\" href=\"https://www.nrk.no/informasjon/\">Info</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://hjelp.nrk.no\" data-ec-name=\"Hjelp\" data-ec-variant=\"N/A\" href=\"https://hjelp.nrk.no/\">Hjelp</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Informasjon\" data-ec-variant=\"N/A\" href=\"/informasjon/\">Informasjon</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/baerekraft\" data-ec-name=\"Bærekraft\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/baerekraft\">Bærekraft</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/karriere\" data-ec-name=\"Karriere\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/karriere/\">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>\n \n </div><div class=\"g100 col fc sAUTO group-reference\"><div class=\"group widget rich menu-bar cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s18 sg6 sg9 sg12 menu-reference\"><!-- include: /serum/render?id=1.11101807&size=18&perspective=RICH&alignment=LEFT -->\n<nav class=\"menu widget rich\">\n<h2 class=\"menu__title skin-text\">\n<a class=\"skin-border\" href=\".\">Norge</a>\n</h2>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--prev skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--next skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<ul class=\"menu__list\" id=\"mitfMYB9b7TB-Twt0kA85JEg\">\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6892\" href=\"https://www.nrk.no/nyheter/\">\nSiste nytt\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6837\" href=\"https://www.nrk.no/dokumentar/\">\nDokumentar\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.7058\" href=\"https://www.nrk.no/klima/\">\nKlima\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6831\" href=\"https://www.nrk.no/ytring/\">\nNRK Ytring\n</a>\n</li>\n</ul>\n</nav>\n\n</div></div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 surrogate-reference\"><!-- include: /serum/render?id=1.7592607&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE --><!-- START: /templates/surrogate/surrogate.jsp -->\n<div class=\"surrogate widget rich container-widget\" data-id=\"1.17690359\">\n<div class=\"g100 col fln s18 sg6 sg9 sg12 article-reference\">\n<!-- include: /serum/render?id=1.17690359&size=18&perspective=RICH&alignment=AUTO&showDescription=false&classes=+surrogate-content --><!-- START: /templates/article/article-rich.jsp -->\n<article class=\"article widget rich surrogate-content container-widget cf js-initialize \" data-id=\"1.17690359\" role=\"main\">\n<div class=\"spacer g5 col fl s1 sl6 sl9 sl12 sl18\"></div>\n<div data-ec-list=\"article_lead\" data-ec-name=\"ingress\">\n<div class=\"g94 col fl s17 sl18 sg6 sg9 sg12 container-widget\">\n<header class=\"container-widget-content article-header\">\n<h1 class=\"title title-large article-title \">Nå får sparekontoen en sterk konkurrent</h1>\n<div class=\"text-body text-body-sans-serif article-lead\">\n<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>\n</div>\n</header>\n<div class=\"g70 col fl s12 sl18 sg6 sg9 article-lead-media \">\n<!-- include: /serum/render?id=1.17666113&size=12&perspective=RICH&alignment=CENTER&caption=Flere+privatpersoner+vil+trolig+investere+i+rentefond+i+tiden+fremover.+&type=image&aspect=F169 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En hånd holder en telefon med en spareapp\" loading=\"eager\" sizes=\"(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n</div>\n<div class=\"article-header-sidebar g22 col fl s4 sl6 sl9 sl12 sl18\" role=\"contentinfo\">\n<div class=\"container-widget-content authors \">\n<!-- include: /serum/render?id=18.8224&size=18&perspective=BRIEF&alignment=AUTO&role=Journalist --><!-- START: /templates/author/author-brief.jsp -->\n<div class=\"author widget brief\">\n<div class=\"author__image\">\n<!-- include: /serum/render?id=1.8117169&size=1&perspective=LEAN&alignment=AUTO&type=image&aspect=F11&title= --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean\">\n<div class=\"responsive-img F11\"><img alt=\"\" loading=\"eager\" sizes=\"(min-width:1180px) 64px, (min-width:720px) 6vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wlXlvBrzfK2RQqQUzZsM8Nw.jpg 80w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wqLhS0q-AYVRQqQUzZsM8Nw.jpg 160w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w_Msxcb8Wz1JQqQUzZsM8Nw.jpg 350w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wWDXGV3_H22RQqQUzZsM8Nw.jpg 450w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w81RsJdum9UBQqQUzZsM8Nw.jpg 650w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wwxobG6yBsNJQqQUzZsM8Nw.jpg 1000w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wKcG_fn2nsdJQqQUzZsM8Nw.jpg 1200w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wkXJ6FtAwiwxQqQUzZsM8Nw.jpg 1600w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wSWmtJ8QBgp5QqQUzZsM8Nw.jpg 2000w\" title=\"\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n<div class=\"author__body\">\n<a class=\"author__name\" href=\"https://www.nrk.no/forfatter/johan-b-saettem-18.8224\" title=\"Gå til personens side\">\nJohan B Sættem\n<span class=\"sr-only\">\n<span> – Journalist</span>\n</span>\n</a>\n<span aria-hidden=\"true\" class=\"author__role\">Journalist</span>\n</div>\n</div>\n<!-- END: /templates/author/author-brief.jsp -->\n\n</div>\n<div class=\"article-dateline article-dateline-header container-widget-content\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-21T15:21:43+01:00\">\n21.12.2025, kl. 15.21\n</time></span>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"favorite-button-placeholder__metadata\"></div>\n<div class=\"container-widget-content\">\n<aside class=\"article-metadata--mobile\">\n<div class=\"article-dateline article-dateline--mobile\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-21T15:21:43+01:00\">\n21.12.2025, kl. 15.21\n</time></span>\n</div>\n</aside>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"container-widget-content favorite-button-placeholder__sidebar\"></div>\n</div>\n<div class=\"g55 col fl s10 sl12 sl18 sg6 sg9\">\n<div class=\"article-body lp_articlebody text-body text-body-sans-serif container-widget-content nostack cf\" data-ec-list=\"article_body\" data-ec-name=\"brødtekst\" data-main-content>\n<p class=\"article-body--updating\" data-is-updating-article=\"false\" data-last-updated=\"1766326903000\" data-updating-text=\"Saken oppdateres.\"></p>\n<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>\n<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>\n<p>Det er nytt fra 1. januar.</p>\n<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>\n<ul>\n<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>\n<li>Den effektive skattesatsen reduseres.</li>\n</ul>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 fact-reference\" id=\"1.17693192.81f1aa66\"><!-- include: /serum/render?id=1.17693192&size=10&perspective=BRIEF&alignment=CENTER&variant=maximized&parentSize=10 -->\n<aside aria-labelledby=\"fact-1-17693192_title\" class=\" fact widget brief skin-background-50 darkmode-skin-background-900 skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover fact--full\" data-ec-category=\"fact--full\" data-ec-id=\"pp:article:1.17693192\" data-ec-name=\"Saken oppsummert\" data-id=\"1.17693192\" id=\"fact-1-17693192\" role=\"complementary\">\n<h3 class=\"fact__title title\" id=\"fact-1-17693192_title\">Saken oppsummert</h3>\n<button class=\"fact__expand\" data-factid=\"fact-1-17693192\" data-k5a-pos=\"faktaboks\">\n<div class=\"skin-background-100 skin-text-800 darkmode-skin-background-800 darkmode-skin-text-100\">\n<span class=\"show-more-button-text\"></span>\n</div>\n</button>\n<div aria-hidden=\"false\" class=\"fact__body text-body skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover \">\n<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.</p>\n<p>• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.</p>\n<p>• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>\n<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>\n</div>\n</aside>\n</div>\n<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>\n<p><!-- include: /serum/render?id=1.17479408&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17479408\" data-ec-name=\"500 milliarder kroner på konto med nullrente\" href=\"https://www.nrk.no/norge/500-milliarder-kroner-pa-konto-med-nullrente-1.17479408\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\n500 milliarder kroner på konto med nullrente\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17484606&size=10&perspective=LEAN&alignment=AUTO&caption=Studentene+Gustav+Lind+Fossen+%28til+venstre%29+og+Birk+Bratt+Petersen.&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"To unge menn sitter på en benk\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w\" title=\"Foto: Kaspara Aavik Stoltze / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\" ec-name=\"2,8 prosent\" href=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\">2,8 prosent</a>.</p>\n<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>\n<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>\n<p><!-- include: /serum/render?id=1.17675562&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17675562\" data-ec-name=\"Mobilen tar over for bankkortet\" href=\"https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nMobilen tar over for bankkortet\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17675888&size=10&perspective=LEAN&alignment=AUTO&caption=Det+er+mange+fleire+som+har+%C2%ABt%C3%A6ppa%C2%BB++telefonen+i+staden+for+kortet+i+%C3%A5r+enn+i+fjor.+&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w\" title=\"Foto: Terje Bendiksby / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>\n<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>\n<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>\n<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17690469.58ce2cfe\"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo.\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Investeringsdirektør Robert Næss i Nordea.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>\n<p>Det er betydelig høyere enn en <a ec-id=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\" ec-name=\"gjennomsnittlig sparerente\" href=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\">gjennomsnittlig sparerente</a> i banken.</p>\n<h2>– I praksis ingen risiko</h2>\n<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>\n<p><!-- include: /serum/render?id=1.17607673&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17607673\" data-ec-name=\"Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\" href=\"https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nTalet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17620602&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w\" title=\"Foto: Brynjar Mangor Myrtveit Osgjerd / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>\n<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>\n<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>\n<h2>– Vil bli mer populært</h2>\n<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>\n<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17656789\" data-ec-name=\"Har du noen gang sett denne seddelen?\" href=\"https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nHar du noen gang sett denne seddelen?\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17660065&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en tusenlapp.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w\" title=\"Foto: NTB scanpix\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17665949.58ea5c00\"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En mann med skjegg står inne i Storebrands hovedkontor i Oslo. \" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Porteføljeforvalter Joar Hagatun i Kron.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>\n<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17439769.59068b02\"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Guro Sollien Eriksrud i Forbrukerrådet\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n<figcaption>\n<p class=\"\">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>\n<small>Foto: Håkon Benjaminsen / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<h2>– Viktig å være klar over gebyrene</h2>\n<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id=\"https://www.forbrukerradet.no/fond/likviditetsfond\" ec-name=\"nettsidene til Forbrukerrådets finansportal.\" href=\"https://www.forbrukerradet.no/fond/likviditetsfond\">nettsidene til Forbrukerrådets finansportal.</a></p>\n<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>\n<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>\n</div>\n<div class=\"article-dateline article-footer container-widget-content cf\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-21T15:21:43+01:00\">\n21.12.2025, kl. 15.21\n</time></span>\n</div>\n</div>\n<!-- include: /serum/render?id=panorama.singleton.favorittmarkering&size=18&perspective=RICH&alignment=AUTO -->\n <div class=\"min-side\" data-state-id=\"wjwj6ab6u5\" data-static-host=\"https://static.nrk.no/publisering/min-side\"><link href=\"https://static.nrk.no/publisering/min-side/static/0-c2ddc9339a70fac9c76d.css\" rel=\"stylesheet\" type=\"text/css\"><link href=\"https://static.nrk.no/publisering/min-side/static/saveButton-62d288e344506c232def.css\" rel=\"stylesheet\" type=\"text/css\"></div>\n \n<aside class=\"g27 col fl s5 sl6 sl9 sl12 sl18 article-reference article-sidebar lp_related\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=5&perspective=RICH&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11269891\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11269891\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\nBank og finans\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11269891\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17690784\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17690784&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17690784\" data-ec-name=\"Får ikke satt inn kontanter i banken - frivillige fortviler\" data-id=\"1.17690784\" href=\"https://www.nrk.no/innlandet/far-ikke-satt-inn-kontanter-i-banken---frivillige-fortviler-1.17690784\">\n<!-- include: /serum/render?id=1.17692789&size=5&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Et skuffefullt med norske mynter er avbildet. Myntene ligger tettpakket i en metallskuff. Bildet viser både større og mindre mynter i blandet valør. Skuffen er plassert i et hvitt skap. (Bildebeskrivelsen er laget av en KI-tjeneste)\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gPEj3U1hOjgTpijX6d3KDdQ.jpg 80w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCX_YPxCs23TpijX6d3KDdQ.jpg 160w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_grUG-Jpf2tqXpijX6d3KDdQ.jpg 350w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gJUoaTHMZhAfpijX6d3KDdQ.jpg 450w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gx2gLeUKOHPfpijX6d3KDdQ.jpg 650w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gEIQNhtJQPzPpijX6d3KDdQ.jpg 1000w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCtVyd-DWmPjpijX6d3KDdQ.jpg 1200w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gnl96Wu2M61HpijX6d3KDdQ.jpg 1600w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_g-bTfSOw0nrjpijX6d3KDdQ.jpg 2000w\" title=\"Foto: Frode Meskau / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Får ikke satt inn kontanter i banken - frivillige fortviler</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17065305\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17065305&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17065305\" data-ec-name=\"Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.\" data-id=\"1.17065305\" href=\"https://www.nrk.no/norge/dette-betalte-10-av-norges-storste-selskaper-i-skatt.-fra-0-kroner-til-39-milliarder.-1.17065305\">\n<!-- include: /serum/render?id=1.17595164&size=5&perspective=LEAN&alignment=AUTO&caption=Reitan-familien+kontrollerer+dagligvarekjeden+Rema+1000.+Fra+venstre%3A+Ole+Robert+Reitan%2C+Odd+Reitan+og+Magnus+Reitan.+Bildet+ble+under+%C3%A5pningen+av+Nye+Hjorten+Teater+i+Trondheim+i+fjor.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En gruppe mennesker som står sammen\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQFhAS81MwRVpa3wJO_UnXag.jpg 80w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQRZoIg4dQGYta3wJO_UnXag.jpg 160w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOOu-MAiuWqha3wJO_UnXag.jpg 350w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQf9ydUudCU0Na3wJO_UnXag.jpg 450w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQX-LkGYs0SU1a3wJO_UnXag.jpg 650w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQjSmcexUM3OVa3wJO_UnXag.jpg 1000w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQdSujwjaju0Ja3wJO_UnXag.jpg 1200w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQB-IoDLCJhaVa3wJO_UnXag.jpg 1600w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOEvBpm91Dl5a3wJO_UnXag.jpg 2000w\" title=\"Foto: Jan Langhaug / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n<div class=\"container-widget-content pagination nrk-pagination\">\n<button class=\"flow-page-forward nrk-button\" data-id=\"1.11269891?size=5&perspective=BRIEF&alignment=AUTO&display=true&arrangement.offset=3&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE\">\n<span class=\"button-icon\">+</span>\n<span>Vis flere</span>\n</button>\n</div>\n</div>\n\n<!-- END: /templates/universe/universe.jsp -->\n\n<div class=\"article-universe-teaser container-widget-content\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=18&perspective=REFERENCE&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE&classes=article-universe-link+universe-teaser -->\n<a class=\"universe widget reference article-universe-link universe-teaser lp_universe_link\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\n<span>Mer om:</span>\nBank og finans\n</a>\n\n</div>\n</aside>\n</article>\n\n\n</div>\n</div>\n</div><div class=\"g100 col fc s18 sg6 sg9 sg12 remoterenderedcontent-reference\"><!-- include: /serum/render?id=1.13390103&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE -->\n \n <link href=\"https://static.nrk.no/publisering/kurator-visning/assets/elglobo-b35c0b2b.css\" rel=\"stylesheet\">\n \n <div class=\"elglobo lp_relatedglobal\" data-k5a-pos=\"relatedglobal\">\n <div class=\"elglobo__title-wrapper\">\n <h3 class=\"nrk-floor__content__title widget-title skin-border\">NRK anbefaler</h3>\n </div>\n <section class=\"kur-house__main\" data-generated-time=\"2025-12-21T15:11:10.458Z\" data-published-time=\"2025-10-16T08:12:53.042Z\" data-version-id=\"4849058\" id=\"kurator_main\">\n \n <section class=\"kur-floor kur-floor--mix kur-floor--normal\">\n <div class=\"kur-floor__content lp_flow\" data-ec-brand=\"kur:1\" data-ec-list=\"nrkno_elglobo\">\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263796\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263796\" data-ec-id=\"pp:article:1.17697870\" data-ec-name=\"Amerikanske Kari sjokkert over norsk adventstid\" data-ec-position=\"1\" lang=\"no\">\n <a href=\"https://www.nrk.no/stor-oslo/var-sjokkert-over-norsk-adventstid_-_-helt-vilt-a-se-1.17697870\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwMQdIhoTz7qSf7FYy4B7Akw 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwQgNHfGHi5NCf7FYy4B7Akw 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwSQsoinE5WTuf7FYy4B7Akw 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtw1HE5dQl4uZaf7FYy4B7Akw 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwisfx9qUPPcuf7FYy4B7Akw 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwDyZRBHwdaQSf7FYy4B7Akw 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwISKUro2E-a9ncCJRtvCSrg 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwnlwoS3qW7zRncCJRtvCSrg 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBvHfjaXl90JncCJRtvCSrg 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwL0hw5Hp_MzFncCJRtvCSrg 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwY-ZFg9oji2tncCJRtvCSrg 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwKz_gJ0J5VmVncCJRtvCSrg 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg\" srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBDsavN_P2QtncCJRtvCSrg 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwISKUro2E-a9ncCJRtvCSrg 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwnlwoS3qW7zRncCJRtvCSrg 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwBvHfjaXl90JncCJRtvCSrg 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwL0hw5Hp_MzFncCJRtvCSrg 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwY-ZFg9oji2tncCJRtvCSrg 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwKz_gJ0J5VmVncCJRtvCSrg 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw\" srcset=\"https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwpgZ5lEVAcfSf7FYy4B7Akw 80w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwMQdIhoTz7qSf7FYy4B7Akw 160w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwQgNHfGHi5NCf7FYy4B7Akw 350w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwSQsoinE5WTuf7FYy4B7Akw 450w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtw1HE5dQl4uZaf7FYy4B7Akw 650w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwisfx9qUPPcuf7FYy4B7Akw 1000w, https://gfx.nrk.no/W9c_FmKchBI-6wB7mMJhtwDyZRBHwdaQSf7FYy4B7Akw 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--3\">\n <span>\n Amerikanske Kari sjokkert over norsk adventstid\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263331\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263331\" data-ec-id=\"pp:article:1.17690395\" data-ec-name=\"– Tror mange ikke er klar over dette\" data-ec-position=\"2\" lang=\"no\">\n <a href=\"https://www.nrk.no/stor-oslo/oskar-hadde-manedskort.-ma-likevel-betale-bot_-1.17690395\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgcptQ5Hdgg3CFdHuNfzjDOQ 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgPWCXJOpuQRqFdHuNfzjDOQ 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgEcZsCR6YbTqFdHuNfzjDOQ 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg7LqBa32_RS6FdHuNfzjDOQ 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgBbSvW0Xk5yOFdHuNfzjDOQ 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkggWcJbh-cxI6FdHuNfzjDOQ 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5WvD1YDOAyKFdHuNfzjDOQ 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgcptQ5Hdgg3CFdHuNfzjDOQ 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgPWCXJOpuQRqFdHuNfzjDOQ 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgEcZsCR6YbTqFdHuNfzjDOQ 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg7LqBa32_RS6FdHuNfzjDOQ 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgBbSvW0Xk5yOFdHuNfzjDOQ 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkggWcJbh-cxI6FdHuNfzjDOQ 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--4\">\n <span>\n <small>Oskar hadde månedskort – fikk likevel bot:</small> <span class=\"kur-nowrap\">– </span>Tror mange ikke er klar over dette\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n </div>\n </section>\n \n </section>\n </div>\n \n \n \n </div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g50 col fl s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.11001879&secondary=1.17690359&size=9&perspective=RICH&alignment=LEFT&head=AKTUELT+N%C3%85&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=1&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=9&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.11001879\" data-relation-limit=\"1\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>AKTUELT NÅ</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations\" data-ec-list=\"pp:article:1.11001879\" data-ec-name=\"nrkno_flow\"><div class=\"g100 col fl s9 sl12 sl18 sg6 compilation-reference relation flow-relation\" data-id=\"1.12763090\" data-reference-id=\"1.11001879.body20960\"><!-- include: /serum/render?id=1.12763090&size=9&perspective=BRIEF&alignment=LEFT&quantity=40 -->\n<div class=\"compilation widget brief plug cf js-initialize lp_compilation\" data-id=\"1.12763090\" data-perspective=\"BRIEF\">\n<a class=\"autonomous\" data-id=\"1.12763090\" href=\"https://www.nrk.no/mr/vaeret-1.12763090\" title=\"Været\">\n<div class=\"compilation-media\">\n<!-- include: /serum/render?id=1.17701756&size=9&perspective=RICH&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Bildet viser en kostelig kystlinje med snødekte fjell i bakgrunnen. En bro strekker seg mellom små øyer og land, omgitt av vann. Det er flere bygninger synlige på land, både røde og hvite. Himmelens farger antyder overskyet vær.\" loading=\"eager\" sizes=\"(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgijiHNZv0cR-Hd1uuW_5nhw.jpg 80w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgtpqvKDKMROKHd1uuW_5nhw.jpg 160w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgjQ3QvOUT_mSHd1uuW_5nhw.jpg 350w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgNs2668jBy0SHd1uuW_5nhw.jpg 450w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBg61FlXtR0GN6Hd1uuW_5nhw.jpg 650w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgk2psgBUcLmiHd1uuW_5nhw.jpg 1000w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBg5KD-WImoWk-Hd1uuW_5nhw.jpg 1200w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgqN4GIJUCL6SHd1uuW_5nhw.jpg 1600w, https://gfx.nrk.no/uOQrhyy9e0u5R6MlMPLwBgyKGi2C9S1c2Hd1uuW_5nhw.jpg 2000w\" title=\"Foto: Eirik Haukenes / NRK\"></div>\n<figcaption>\n<small>Foto: Eirik Haukenes / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n<div class=\"status-line\">\n<div class=\"status-line-top skin-background\"></div>\n<div class=\"status-line-bottom\"></div>\n</div>\n</div>\n<div class=\"plug-teaser skin-border\">\n<h2 class=\"title\">I dag er årets mørkeste dag - nå «snur» sola!</h2>\n<span class=\"compilation-circle\"></span>\n<span class=\"compilation-link\">Været</span>\n<footer class=\"plug-footer\">\n<div class=\"plug-metadata plug-metadata-footer\">\n<span class=\"plug-metadata-icon skin-plug-icon\">\nFølg saken\n</span>\n</div>\n</footer>\n</div>\n</a>\n</div>\n\n</div></div>\n</div>\n</div></div></div><div class=\"g50 col fr s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich lp_newsroomglobo cf container-widget\"><div class=\"g100 col fr s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.12990296&secondary=1.17690359&size=9&perspective=RICH&alignment=RIGHT&head=SISTE+NYTT&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=10&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=AUTO&arrangement.view%5B0%5D.alignment=RIGHT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.12990296\" data-relation-limit=\"10\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>SISTE NYTT</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations flow-content__empty\" data-ec-list=\"pp:article:1.12990296\" data-ec-name=\"nrkno_flow\"></div>\n</div>\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 stream-reference\"><!-- include: /serum/render?id=1.11001867&size=9&perspective=LEAN&alignment=RIGHT&quantity=15 -->\n<section class=\"stream widget lean cf js-initialize js-realtime\" data-id=\"1.11001867\" data-permalink=\"\" data-relation-limit=\"15\" data-relation-perspective=\"REFERENCE\">\n<header class=\"stream-header\">\n<h3 class=\"stream-title\"><time aria-live=\"off\"> </time>Siste meldinger\n</h3></header>\n<ul aria-live=\"polite\" class=\"stream-lean-content relations\">\n<li class=\"stream-item relation\" data-id=\"1.17702002\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17702002.1.17702002\" id=\"1.17702002.1.17702002\">\n<!-- include: /serum/render?id=1.17702002&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17702002\" href=\"https://www.nrk.no/nyheter/reuters_-usa-har-stoppa-nytt-skip-utanfor-venezuela-1.17702002\">\n<time class=\"bulletin-publication-time\">\n16:10\n</time>\nReuters: USA har stoppa nytt skip utanfor Venezuela\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17702008\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17702008.1.17702008\" id=\"1.17702008.1.17702008\">\n<!-- include: /serum/render?id=1.17702008&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17702008\" href=\"https://www.nrk.no/sport/sindre-tjelmeland-blir-molde-trener-_-far-ikke-begynne-for-mai-1.17702008\">\n<time class=\"bulletin-publication-time\">\n16:06\n</time>\nSindre Tjelmeland blir Molde-trener – får ikke begynne før mai\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701998\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701998.1.17701998\" id=\"1.17701998.1.17701998\">\n<!-- include: /serum/render?id=1.17701998&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701998\" href=\"https://www.nrk.no/nyheter/sikta-for-drap-etter-fall-fra-bustadblokk-i-kobenhavn-1.17701998\">\n<time class=\"bulletin-publication-time\">\n15:49\n</time>\nSikta for drap etter fall frå bustadblokk i København\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701963\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701963.1.17701963\" id=\"1.17701963.1.17701963\">\n<!-- include: /serum/render?id=1.17701963&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701963\" href=\"https://www.nrk.no/nyheter/frankrike-vil-bygge-nytt-hangarskip-1.17701963\">\n<time class=\"bulletin-publication-time\">\n15:43\n</time>\nFrankrike vil bygge nytt hangarskip\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701847\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701847.1.17701847\" id=\"1.17701847.1.17701847\">\n<!-- include: /serum/render?id=1.17701847&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701847\" href=\"https://www.nrk.no/vestfoldogtelemark/alvorlig-trafikkulykke-i-porsgrunn-1.17701847\">\n<time class=\"bulletin-publication-time\">\n14:40\n</time>\nAlvorlig trafikkulykke i Porsgrunn\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701712\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701712.1.17701712\" id=\"1.17701712.1.17701712\">\n<!-- include: /serum/render?id=1.17701712&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701712\" href=\"https://www.nrk.no/buskerud/drapssiktet-nekter-straffskyld-1.17701712\">\n<time class=\"bulletin-publication-time\">\n13:11\n</time>\nDrapssiktet nekter straffskyld\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701834\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701834.1.17701834\" id=\"1.17701834.1.17701834\">\n<!-- include: /serum/render?id=1.17701834&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701834\" href=\"https://www.nrk.no/nyheter/rekordmange-migranter-krysset-den-engelske-kanal-1.17701834\">\n<time class=\"bulletin-publication-time\">\n12:56\n</time>\nRekordmange migranter krysset Den engelske kanal\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701804\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701804.1.17701804\" id=\"1.17701804.1.17701804\">\n<!-- include: /serum/render?id=1.17701804&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701804\" href=\"https://www.nrk.no/nordland/person-sendt-til-legevakt-etter-frontkollisjon-pa-e6-1.17701804\">\n<time class=\"bulletin-publication-time\">\n12:20\n</time>\nPerson sendt til legevakt etter frontkollisjon på E6\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701755\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701755.1.17701755\" id=\"1.17701755.1.17701755\">\n<!-- include: /serum/render?id=1.17701755&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701755\" href=\"https://www.nrk.no/nyheter/store-snakket-med-zelenskyj_-_-star-samlet-1.17701755\">\n<time class=\"bulletin-publication-time\">\n12:08\n</time>\nStøre snakket med Zelenskyj: – Står samlet\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701750\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701750.1.17701750\" id=\"1.17701750.1.17701750\">\n<!-- include: /serum/render?id=1.17701750&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701750\" href=\"https://www.nrk.no/ostfold/svaert-glatte-veier-skaper-trobbel-pa-e6-1.17701750\">\n<time class=\"bulletin-publication-time\">\n11:36\n</time>\nSvært glatte veier skaper trøbbel på E6\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701732\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701732.1.17701732\" id=\"1.17701732.1.17701732\">\n<!-- include: /serum/render?id=1.17701732&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701732\" href=\"https://www.nrk.no/nyheter/minnedag-i-australia-en-uke-etter-terroren-1.17701732\">\n<time class=\"bulletin-publication-time\">\n10:42\n</time>\nMinnedag i Australia én uke etter terroren\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701667\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701667.1.17701667\" id=\"1.17701667.1.17701667\">\n<!-- include: /serum/render?id=1.17701667&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701667\" href=\"https://www.nrk.no/nyheter/i-dag-er-arets-morkeste-dag---na-_snur_-sola_-1.17701667\">\n<time class=\"bulletin-publication-time\">\n10:26\n</time>\nI dag er årets mørkeste dag - nå «snur» sola!\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701704\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701704.1.17701704\" id=\"1.17701704.1.17701704\">\n<!-- include: /serum/render?id=1.17701704&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701704\" href=\"https://www.nrk.no/ostfold/glatte-veier_-stengte-e6-ved-sarpsborg--1.17701704\">\n<time class=\"bulletin-publication-time\">\n10:13\n</time>\nGlatte veier: Stengte E6 ved Sarpsborg \n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701719\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701719.1.17701719\" id=\"1.17701719.1.17701719\">\n<!-- include: /serum/render?id=1.17701719&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701719\" href=\"https://www.nrk.no/nyheter/israel-har-godkjent-19-nye-bosetninger-pa-vestbredden--1.17701719\">\n<time class=\"bulletin-publication-time\">\n09:46\n</time>\nIsrael har godkjent 19 nye bosetninger på Vestbredden \n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17701718\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17701718.1.17701718\" id=\"1.17701718.1.17701718\">\n<!-- include: /serum/render?id=1.17701718&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17701718\" href=\"https://www.nrk.no/nyheter/det-svenske-tollverket-har-bordet-russisk-skip--1.17701718\">\n<time class=\"bulletin-publication-time\">\n09:26\n</time>\nDet svenske tollverket har bordet russisk skip \n</a>\n</span>\n\n</li>\n</ul>\n</section>\n\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 singleton-reference\"><!-- include: /serum/render?id=1.11263327&size=9&perspective=RICH&alignment=RIGHT -->\n<div class=\"stream-lean-footer\">\n<a class=\"stream-lean-exit\" href=\"https://www.nrk.no/nyheter/\" target=\"_parent\">Følg nyhetsbildet <span>akkurat nå</span></a>\n<svg aria-hidden=\"true\" class=\"arrow-right\" role=\"presentation\" shape-rendering=\"auto\" viewbox=\"0 0 9 23\">\n<g fill=\"none\" fill-rule=\"evenodd\">\n<path d=\"M2 2l5 9.723L2 21\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"2\"></path>\n</g>\n</svg>\n</div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 universe-reference\"><!-- include: /serum/render?id=1.11264150&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE&caption=Norge&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=3&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=6&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11264150\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11264150\" href=\"https://www.nrk.no/norge/norge-1.11264150\">\nNorge\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11264150\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17695590\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17695590&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17695590\" data-ec-name=\"Sindre Tjelmeland blir ny hovudtrenar for MFK\" data-id=\"1.17695590\" href=\"https://www.nrk.no/mr/sindre-tjelmeland-blir-ny-hovudtrenar-for-molde-fotballklubb-1.17695590\">\n<!-- include: /serum/render?id=1.17695591&size=6&perspective=LEAN&alignment=AUTO&caption=NY+TRENAR%3A+Sindre+Tjelmeland+fr%C3%A5+Etne+skal+trene+MFK.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Sindre Tjelmeland, IK Start\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgSTIvzwVBbfSYKnrLdMptUw.jpg 80w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgPlLnwtfWhcGYKnrLdMptUw.jpg 160w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3Ogtp8U8O5zy5uYKnrLdMptUw.jpg 350w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3Ogs_nb6bgQncOYKnrLdMptUw.jpg 450w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3Ogt9BeUhss-gOYKnrLdMptUw.jpg 650w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgpxjWNWfsRhqYKnrLdMptUw.jpg 1000w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgyI7vQ72O3mOYKnrLdMptUw.jpg 1200w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgkMb0OrD9qOaYKnrLdMptUw.jpg 1600w, https://gfx.nrk.no/ktwHUrT_136gF6daTyK3OgXDo46qjAQLKYKnrLdMptUw.jpg 2000w\" title=\"Foto: NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Sindre Tjelmeland blir ny hovudtrenar for MFK</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17682333\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17682333&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17682333\" data-ec-name=\"Gledelig nyhet for villaksen på Vestlandet: – Ekstremt viktig \" data-id=\"1.17682333\" href=\"https://www.nrk.no/vestland/gledelig-nyhet-for-villaksen-pa-vestlandet_-faerre-funn-av-romt-settefisk-1.17682333\">\n<!-- include: /serum/render?id=1.17683010&size=6&perspective=LEAN&alignment=AUTO&caption=Disse+fiskene+har+r%C3%B8mt+fra+settefiskanlegget+Herand+i+Hardangerfjorden.&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Rømt laks\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2Lgjt_-1AoOUG_SGlq5UqkF4w.jpg 80w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2LgLRkQxNNSrnfSGlq5UqkF4w.jpg 160w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2Lg23rT9f7DyqjSGlq5UqkF4w.jpg 350w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2Lg0EEAsImTsOHSGlq5UqkF4w.jpg 450w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2LgHPZUeoJ7vGzSGlq5UqkF4w.jpg 650w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2LglMfCUHN3A3fSGlq5UqkF4w.jpg 1000w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2Lg6o5QMPJoOKjSGlq5UqkF4w.jpg 1200w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2LgP8G06FPETSTSGlq5UqkF4w.jpg 1600w, https://gfx.nrk.no/XW0k1TyOfWT_hjJGUUh2LgricgOYZQgC_SGlq5UqkF4w.jpg 2000w\" title=\"Foto: Marius Kambestad / NORCE\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Gledelig nyhet for villaksen på Vestlandet: – Ekstremt viktig </h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference 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aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Kontakt</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Hjelp<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Personvern</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/informasjonskapsler/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Hjelp</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 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"source_updated_at" : "2025-12-21 14:21:43",
"summary" : "Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.",
"tags" : null,
"title" : "Nå får sparekontoen en sterk konkurrent",
"twitter_title" : "Nå får sparekontoen en sterk konkurrent",
"version" : 4
}
Version 3
2025-12-19 17:05:47
Nå får sparekontoen en sterk konkurrent
UPDATE
Author: Johan B Sættem
Published: 2025-12-19 04:11:45
Updated: 2025-12-19 16:57:41
Category: Bank og finans
📝 Summary
Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.
📄 Full Content (4706 chars)
Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.
Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.
Det er nytt fra 1. januar.
Endringen gir to fordeler som øker lønnsomheten over tid:
- Den utsatte skatten fører til en rentes-rente-effekt på sparingen.
- Den effektive skattesatsen reduseres.
Saken oppsummert
• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.
• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.
• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.
Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.
Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.
Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten 2,8 prosent.
Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.
Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.
Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.
Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.
Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.
– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.
Investeringsdirektør Robert Næss i Nordea.
Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.
Det er betydelig høyere enn en gjennomsnittlig sparerente i banken.
– I praksis ingen risiko
Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.
– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.
På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.
Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.
– Vil bli mer populært
– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.
Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.
Porteføljeforvalter Joar Hagatun i Kron.
– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.
Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.
– Viktig å være klar over gebyrene
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på nettsidene til Forbrukerrådets finansportal.
– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.
Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.
🔍 All Metadata (JSON)
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats.\n\n• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\n\n• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
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lt-tablet:hidden tablet:inline tablet:static tablet:align-top lt-tablet:flex-col lt-tablet:absolute lt-tablet:top-[100%]" data-ec-list="nrkno-meny" data-ec-name="nrkno-header"><div class="nrkno-header__nav-inner-wrapper bg-core-blue-900 text-core-blue-50 text-[0.9rem] h-10 leading-10 overflow-x-auto text-center tablet:absolute tablet:left-0 tablet:top-0 tablet:w-full"><ul class="nrkno-header__apps-list flex min-w-[20rem] py-0 justify-around list-none items-center tablet:max-w-[40rem] m-auto tablet:!m-auto" role="list"><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://tv.nrk.no/" data-ec-name="NRK TV" data-ec-variant="N/A" href="https://tv.nrk.no/">NRK TV</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://radio.nrk.no/" data-ec-name="NRK Radio" data-ec-variant="N/A" href="https://radio.nrk.no/">NRK Radio</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://nrksuper.no" data-ec-name="NRK Super" data-ec-variant="N/A" href="https://nrksuper.no">NRK Super</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://p3.no" data-ec-name="NRK P3" data-ec-variant="N/A" href="https://p3.no">NRK P3</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://yr.no" data-ec-name="Yr" data-ec-variant="N/A" href="https://yr.no">Yr</a></li></ul></div><ul class="nrkno-header__promoted-categories-list lt-tablet:hidden tablet:inline list-none m-0 p-0" role="list"><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.6892" data-ec-name="Nyheter" data-ec-variant="N/A" href="/nyheter/">Nyheter</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.6852" data-ec-name="Sport" data-ec-variant="N/A" href="/sport/">Sport</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.7015" data-ec-name="Kultur" data-ec-variant="N/A" href="/kultur/">Kultur</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="https://www.nrk.no/video/humor/" data-ec-name="Humor" data-ec-variant="N/A" href="/video/humor/">Humor</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></li></ul><button aria-controls="nrkno-header__mega" aria-expanded="false" class="nrkno-header__mega-menu-expand-button tablet:inline-flex lt-tablet:hidden font-600 text-current cursor-pointer leading-normal ml-1 py-[0.375rem] px-[0.75rem] align-baseline hover:opacity-70 transition-all" id="nrkno-header-megamenu-btn">Mer<span class="text-[0.6rem] ml-1.5 self-center"><svg aria-hidden="true" class="transform fill-current pointer-events-none align-middle" focusable="false" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path d="M4 10.88l8 5.6 8-5.6V9l-8 5.6L4 9v1.88z" fill="currentColor"></path></svg><span></span></span></button><div aria-labelledby="nrkno-header-megamenu-btn" class="nrkno-header__mega-menu dark:bg-core-blue-900 dark:text-core-blue-50 animate-nrk-header-fade tablet:shadow-sm leading-normal overflow-hidden tablet:absolute left-0 w-full z-2 order-2 bg-white text-core-blue-950 dark:bg-core-blue-950 tablet:hidden lt-tablet:block" id="nrkno-header__mega"><div class="nrkno-header__mega-menu-outer-wrapper bg-inherit clear-both text-inherit [display:table] m-auto max-w-[1190px] w-full px-4 tablet:px-5"><div class="nrkno-header__mega-menu-inner-wrapper lt-tablet:inline tablet:flex tablet:-ml-5"><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 lt-tablet:border-t dark:lt-tablet:border-t-transparent tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:2.6892" data-ec-name="Nyheter" data-ec-variant="N/A" href="/nyheter/">Nyheter</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6892" data-ec-name="Nyhetssenter" data-ec-variant="N/A" href="/nyheter/">Nyhetssenter</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7008" data-ec-name="Norge" data-ec-variant="N/A" href="/norge/">Norge</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7029" data-ec-name="Urix" data-ec-variant="N/A" href="/urix/">Urix</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7880" data-ec-name="Debatten" data-ec-variant="N/A" href="/debatten/">Debatten</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7015" data-ec-name="Kultur" data-ec-variant="N/A" href="/kultur/">Kultur</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7017" data-ec-name="Nyttig" data-ec-variant="N/A" href="/nyttig/">Nyttig</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7016" data-ec-name="Viten" data-ec-variant="N/A" href="/viten/">Viten</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6837" data-ec-name="Dokumentar" data-ec-variant="N/A" href="/dokumentar/">Dokumentar</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6831" data-ec-name="Ytring" data-ec-variant="N/A" href="/ytring/">Ytring</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7375" data-ec-name="NRK Sápmi" data-ec-variant="N/A" href="/sapmi/">NRK Sápmi</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7427" data-ec-name="NRK Kvensk" data-ec-variant="N/A" href="/kvensk/">NRK Kvensk</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:2.6852" data-ec-name="Sport" data-ec-variant="N/A" href="/sport/">Sport</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6852" data-ec-name="Sportsnyheter" data-ec-variant="N/A" href="/sport/">Sportsnyheter</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7128" data-ec-name="Livesport" data-ec-variant="N/A" href="https://resultater.nrk.no/">Livesport</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6851" data-ec-name="Sendeplan" data-ec-variant="N/A" href="/sport/sendeplan/">Sendeplan</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.8030" data-ec-name="Spill" data-ec-variant="N/A" href="/spill/">Spill</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.13834273" data-ec-name="Quiz" data-ec-variant="N/A" href="/emne/quiz-1.13834273">Quiz</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17105310" data-ec-name="Former (minispill)" data-ec-variant="N/A" href="/former-1.17105310">Former</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17073958" data-ec-name="Tvers (minispill)" data-ec-variant="N/A" href="/tvers-1.17073958">Tvers</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6950" data-ec-name="Agder" data-ec-variant="N/A" href="/sorlandet/">Agder</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Akershus" data-ec-variant="N/A" href="/stor-oslo/">Akershus</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6974" data-ec-name="Buskerud" data-ec-variant="N/A" href="/buskerud/">Buskerud</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Finnmark" data-ec-variant="N/A" href="/tromsogfinnmark/">Finnmark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6944" data-ec-name="Innlandet" data-ec-variant="N/A" href="/innlandet/">Innlandet</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6946" data-ec-name="M&oslash;re og Romsdal" data-ec-variant="N/A" href="/mr/">Møre og Romsdal</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6947" data-ec-name="Nordland" data-ec-variant="N/A" href="/nordland/">Nordland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Oslo" data-ec-variant="N/A" href="/stor-oslo/">Oslo</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6948" data-ec-name="Rogaland" data-ec-variant="N/A" href="/rogaland/">Rogaland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Telemark" data-ec-variant="N/A" href="/vestfoldogtelemark/">Telemark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Troms" data-ec-variant="N/A" href="/tromsogfinnmark/">Troms</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6943" data-ec-name="Tr&oslash;ndelag" data-ec-variant="N/A" href="/trondelag/">Trøndelag</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Vestfold" data-ec-variant="N/A" href="/vestfoldogtelemark/">Vestfold</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 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<h1 class="title title-large article-title ">Nå får sparekontoen en sterk konkurrent</h1>
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<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>
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<p class="">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>
<small>Foto: Johan B. Sættem / NRK</small>
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Johan B Sættem
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19.12.2025, kl. 05.11
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<time class="datetime-relative dateModified" datetime="2025-12-19T17:57:41+01:00">
19.12.2025, kl. 17.57
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19.12.2025, kl. 05.11
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<span class="article-update-date update-date"><span class="article-dateline-annotation">Oppdatert</span>
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19.12.2025, kl. 17.57
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<p class="article-body--updating" data-is-updating-article="false" data-last-updated="1766163461000" data-updating-text="Saken oppdateres."></p>
<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>
<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>
<p>Det er nytt fra 1. januar.</p>
<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>
<ul>
<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>
<li>Den effektive skattesatsen reduseres.</li>
</ul>
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<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.</p>
<p>• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.</p>
<p>• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>
<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>
</div>
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<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>
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<div class="responsive-img F169"><img alt="To unge menn sitter på en benk" loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w" title="Foto: Kaspara Aavik Stoltze / NRK"></div>
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<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id="https://www.ssb.no/statbank/table/11019/tableViewLayout1/" ec-name="2,8 prosent" href="https://www.ssb.no/statbank/table/11019/tableViewLayout1/">2,8 prosent</a>.</p>
<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>
<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17675562" data-ec-name="Mobilen tar over for bankkortet" href="https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562">
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<h2 class="heading">
<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
<span class="skin-text-950 darkmode-skin-text-100 link-text">
Mobilen tar over for bankkortet
</span>
</h2>
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<div class="responsive-img F169"><img alt="Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w" title="Foto: Terje Bendiksby / NTB"></div>
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<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>
<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>
<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>
<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17690469.58ce2cfe"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo." loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
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<p class="">Investeringsdirektør Robert Næss i Nordea.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>
<p>Det er betydelig høyere enn en <a ec-id="https://www.forbrukerradet.no/finansportalen/bank/innskudd" ec-name="gjennomsnittlig sparerente" href="https://www.forbrukerradet.no/finansportalen/bank/innskudd">gjennomsnittlig sparerente</a> i banken.</p>
<h2>– I praksis ingen risiko</h2>
<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17607673" data-ec-name="Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp" href="https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673">
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<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
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Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp
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</h2>
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<div class="responsive-img F169"><img alt="Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w" title="Foto: Brynjar Mangor Myrtveit Osgjerd / NRK"></div>
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</a>
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<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>
<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>
<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>
<h2>– Vil bli mer populært</h2>
<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>
<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17656789" data-ec-name="Har du noen gang sett denne seddelen?" href="https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789">
<div class="heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100">
<h2 class="heading">
<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
<span class="skin-text-950 darkmode-skin-text-100 link-text">
Har du noen gang sett denne seddelen?
</span>
</h2>
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<div class="responsive-img F169"><img alt="Et nærbilde av en tusenlapp." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w" title="Foto: NTB scanpix"></div>
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</a>
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<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17665949.58ea5c00"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="En mann med skjegg står inne i Storebrands hovedkontor i Oslo. " loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
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<p class="">Porteføljeforvalter Joar Hagatun i Kron.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>
<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17439769.59068b02"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
<figure class="image widget rich">
<div class="responsive-img F169"><img alt="Guro Sollien Eriksrud i Forbrukerrådet" loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w" title="Foto: Håkon Benjaminsen / NRK"></div>
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<p class="">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>
<small>Foto: Håkon Benjaminsen / NRK</small>
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<h2>– Viktig å være klar over gebyrene</h2>
<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id="https://www.forbrukerradet.no/fond/likviditetsfond" ec-name="nettsidene til Forbrukerrådets finansportal." href="https://www.forbrukerradet.no/fond/likviditetsfond">nettsidene til Forbrukerrådets finansportal.</a></p>
<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>
<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>
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<span class="article-dateline-annotation">Publisert</span>
<time class="datetime-absolute datePublished" datetime="2025-12-19T05:11:45+01:00">
19.12.2025, kl. 05.11
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<span class="article-update-date update-date"><span class="article-dateline-annotation">Oppdatert</span>
<time class="datetime-relative dateModified" datetime="2025-12-19T17:57:41+01:00">
19.12.2025, kl. 17.57
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Bank og finans
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<section class="kur-house__main" data-generated-time="2025-12-19T17:01:28.643Z" data-published-time="2025-10-16T08:12:53.042Z" data-version-id="4849058" id="kurator_main">
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hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/deltaker/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/presse/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Presse</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Kontakt</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 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aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Kontakt NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/lisens/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Lisens</a></li><li class="nrkno-footer__links-item bg-core-blue-50 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text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/presse/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Presse</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Hjelp<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Hjelp</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 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"article_id" : 45285,
"author" : "Johan B Sættem",
"category" : "Bank og finans",
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats.\n\n• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\n\n• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
"created_at" : "2025-12-19 17:05:47",
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"metadata" : "{\"schema\":{\"microdata\":{\"thumbnailUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\",\"contentUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\"}},\"raw_feed_item\":\"<item>\\r\\n <title>NÃ¥ fÃ¥r sparekontoen en sterk konkurrent</title>\\r\\n <link>https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359</link>\\r\\n <description>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</description>\\r\\n <category>Bank og finans</category>\\r\\n <pubDate>Fri, 19 Dec 2025 04:11:45 GMT</pubDate>\\r\\n <guid isPermaLink=\\\"false\\\">1.17690359</guid>\\r\\n <dc:creator>Johan B Sættem</dc:creator>\\r\\n <dc:date>2025-12-19T04:11:45Z</dc:date>\\r\\n <media:content medium=\\\"image\\\" type=\\\"image/jpeg\\\" url=\\\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MraWgyV7HOkMQ.jpg\\\">\\r\\n <media:credit role=\\\"photographer\\\" scheme=\\\"urn:ebu\\\">Johan B. Sættem/NRK</media:credit>\\r\\n <media:title>En hÃ¥nd holder en telefon med en spareapp</media:title>\\r\\n </media:content>\\r\\n </item>\",\"meta\":{\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"p:domain_verify\":\"ec4318a079405ca7cd9055634d626a64\",\"apple-mobile-web-app-status-bar-style\":\"#eef5ff\",\"author\":\"Johan B Sættem\",\"Generator\":\"Panorama\",\"msapplication-navbutton-color\":\"#eef5ff\",\"dc.date.issued\":\"2025-12-19\",\"theme-color\":\"#eef5ff\",\"Revisit-after\":\"1 Days\",\"msapplication-tap-highlight\":\"no\",\"robots\":\"index,follow\",\"viewport\":\"width=device-width,initial-scale=1.0\"},\"og\":{\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"site_name\":\"NRK\",\"image:secure_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"url\":\"https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359\",\"type\":\"article\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\"},\"content\":\"Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\\n\\nÃ
rsaken er at skatten fra nyttÃ¥r skal betales etter at fondsandelene er solgt.\\n\\nDet er nytt fra 1. januar.\\n\\nEndringen gir to fordeler som øker lønnsomheten over tid:\\n\\n- Den utsatte skatten fører til en rentes\\\\-rente\\\\-effekt pÃ¥ sparingen.\\n- Den effektive skattesatsen reduseres.\\n\\n### Saken oppsummert\\n\\n⢠Nye skatteregler fra 2026 gjør at skatt pÃ¥ renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\\\-rente\\\\-effekt og lavere effektiv skattesats.\\n\\n⢠I likhet med banksparing er skattesatsen pÃ¥ gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.\\n\\n⢠Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. ⢠Likviditetsfond har svært lav risiko, med en risikovurdering pÃ¥ 1 av 7, og regnes som trygge investeringer. ⢠Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig Ã¥ være oppmerksom pÃ¥ gebyrer og at de ikke omfattes av Bankenes sikringsfond. ⢠Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. ⢠ForbrukerrÃ¥det anbefaler Ã¥ bruke Finansportalen for Ã¥ sammenligne renter og gebyrer før man investerer i rentefond.\\n\\nOppsummeringen er laget av en KI\\\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\\n\\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner pÃ¥ kontoer uten bindingstid, ifølge SSB.\\n\\nBeløpet inkluderer bÃ¥de spare\\\\- og lønnskontoer. I gjennomsnitt var den Ã¥rlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\\n\\nNormalt anbefales det Ã¥ spare i aksjefond dersom sparingen skjer over mange Ã¥r.\\n\\nLikevel er det mange som velger Ã¥ ha betydelige beløp pÃ¥ sparekonto over tid.\\n\\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttÃ¥r gjør rentefond til et godt alternativ til banksparing.\\n\\nSkatten pÃ¥ gevinster i rentefond er lik skatten pÃ¥ vanlig banksparing, 22 prosent.\\n\\nTil sammenligning er skatten pÃ¥ gevinster i aksjefond 37,84 prosent.\\n\\n**â Ja, jeg synes absolutt det. For dette er en mulighet til Ã¥ fÃ¥ litt høyere avkastning, sier han.**\\n\\nInvesteringsdirektør Robert Næss i Nordea.\\n\\nRenten pÃ¥ rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\\n\\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\\n\\n## â I praksis ingen risiko\\n\\nNye skatteregler gjør rentefondene med svært lav risiko, de sÃ¥kalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\\n\\n**â I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlÃ¥n til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\\n\\nPÃ¥ risikoskalaen som brukes for finansielle produkter i EU/EÃS, har Slike rentefond oftest en risikovurdering pÃ¥ 1 av 7, det aller laveste nivÃ¥et.\\n\\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering pÃ¥ 4 av 7.\\n\\n## â Vil bli mer populært\\n\\nâ Du slipper Ã¥ betale skatten løpende hvert Ã¥r. Du betaler skatten pÃ¥ rentene først nÃ¥r du selger fondet. Og hvis du selger fondet etter fem eller ti Ã¥r, sÃ¥ blir dagens verdier av skatten litt lavere enn om du skulle betale hvert Ã¥r, sier Næss.\\n\\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand â og venter at flere nÃ¥ vil velge rentefond i Ã¥ret som kommer.\\n\\nPorteføljeforvalter Joar Hagatun i Kron.\\n\\n**â Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og sÃ¥ blir den nÃ¥ enda litt bedre, i og med at vi fÃ¥r denne utsatte skattefordelen, sier han.**\\n\\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager Ã¥ ta ut sparepengene sine i et likviditetsfond.\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det.\\n\\n## â Viktig Ã¥ være klar over gebyrene\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det rÃ¥der folk som vurderer rentefond som alternativ til banksparing, om Ã¥ orientere seg pÃ¥ [nettsidene til ForbrukerrÃ¥dets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\\n\\n**â Der finner du full oversikt over bÃ¥de historiske renter og ulike gebyrer som er verdt Ã¥ være klar over, sier hun.**\\n\\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.\",\"category\":\"Bank og finans\",\"twitter\":{\"site\":\"@NRKno\",\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"card\":\"summary\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\"},\"is_paywalled\":0,\"source_updated_at\":\"2025-12-19 16:57:41\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"image_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"published_at\":\"2025-12-19 04:11:45\",\"keywords\":[],\"author\":\"Johan B Sættem\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\"}",
"og_title" : "Nå får sparekontoen en sterk konkurrent",
"published_at" : "2025-12-19 04:11:45",
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items-center tablet:max-w-[40rem] m-auto tablet:!m-auto\" role=\"list\"><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://tv.nrk.no/\" data-ec-name=\"NRK TV\" data-ec-variant=\"N/A\" href=\"https://tv.nrk.no/\">NRK TV</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://radio.nrk.no/\" data-ec-name=\"NRK Radio\" data-ec-variant=\"N/A\" href=\"https://radio.nrk.no/\">NRK Radio</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://nrksuper.no\" data-ec-name=\"NRK Super\" data-ec-variant=\"N/A\" href=\"https://nrksuper.no\">NRK Super</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://p3.no\" data-ec-name=\"NRK P3\" data-ec-variant=\"N/A\" href=\"https://p3.no\">NRK P3</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://yr.no\" data-ec-name=\"Yr\" data-ec-variant=\"N/A\" href=\"https://yr.no\">Yr</a></li></ul></div><ul class=\"nrkno-header__promoted-categories-list lt-tablet:hidden tablet:inline list-none m-0 p-0\" role=\"list\"><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyheter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyheter</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.7015\" data-ec-name=\"Kultur\" data-ec-variant=\"N/A\" href=\"/kultur/\">Kultur</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"https://www.nrk.no/video/humor/\" data-ec-name=\"Humor\" data-ec-variant=\"N/A\" href=\"/video/humor/\">Humor</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></li></ul><button aria-controls=\"nrkno-header__mega\" aria-expanded=\"false\" class=\"nrkno-header__mega-menu-expand-button tablet:inline-flex lt-tablet:hidden font-600 text-current cursor-pointer leading-normal ml-1 py-[0.375rem] px-[0.75rem] align-baseline hover:opacity-70 transition-all\" id=\"nrkno-header-megamenu-btn\">Mer<span class=\"text-[0.6rem] ml-1.5 self-center\"><svg aria-hidden=\"true\" class=\"transform fill-current pointer-events-none align-middle\" focusable=\"false\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path d=\"M4 10.88l8 5.6 8-5.6V9l-8 5.6L4 9v1.88z\" fill=\"currentColor\"></path></svg><span></span></span></button><div aria-labelledby=\"nrkno-header-megamenu-btn\" class=\"nrkno-header__mega-menu dark:bg-core-blue-900 dark:text-core-blue-50 animate-nrk-header-fade tablet:shadow-sm leading-normal overflow-hidden tablet:absolute left-0 w-full z-2 order-2 bg-white text-core-blue-950 dark:bg-core-blue-950 tablet:hidden lt-tablet:block\" id=\"nrkno-header__mega\"><div class=\"nrkno-header__mega-menu-outer-wrapper bg-inherit clear-both text-inherit [display:table] m-auto max-w-[1190px] w-full px-4 tablet:px-5\"><div class=\"nrkno-header__mega-menu-inner-wrapper lt-tablet:inline tablet:flex tablet:-ml-5\"><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 lt-tablet:border-t dark:lt-tablet:border-t-transparent tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyheter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyheter</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyhetssenter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyhetssenter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7008\" data-ec-name=\"Norge\" data-ec-variant=\"N/A\" href=\"/norge/\">Norge</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7029\" data-ec-name=\"Urix\" data-ec-variant=\"N/A\" href=\"/urix/\">Urix</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7880\" data-ec-name=\"Debatten\" data-ec-variant=\"N/A\" href=\"/debatten/\">Debatten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7015\" data-ec-name=\"Kultur\" data-ec-variant=\"N/A\" href=\"/kultur/\">Kultur</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7017\" data-ec-name=\"Nyttig\" data-ec-variant=\"N/A\" href=\"/nyttig/\">Nyttig</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7016\" data-ec-name=\"Viten\" data-ec-variant=\"N/A\" href=\"/viten/\">Viten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6837\" data-ec-name=\"Dokumentar\" data-ec-variant=\"N/A\" href=\"/dokumentar/\">Dokumentar</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6831\" data-ec-name=\"Ytring\" data-ec-variant=\"N/A\" href=\"/ytring/\">Ytring</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7375\" data-ec-name=\"NRK Sápmi\" data-ec-variant=\"N/A\" href=\"/sapmi/\">NRK Sápmi</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7427\" data-ec-name=\"NRK Kvensk\" data-ec-variant=\"N/A\" href=\"/kvensk/\">NRK Kvensk</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sportsnyheter\" data-ec-variant=\"N/A\" href=\"/sport/\">Sportsnyheter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7128\" data-ec-name=\"Livesport\" data-ec-variant=\"N/A\" href=\"https://resultater.nrk.no/\">Livesport</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6851\" data-ec-name=\"Sendeplan\" data-ec-variant=\"N/A\" href=\"/sport/sendeplan/\">Sendeplan</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.8030\" data-ec-name=\"Spill\" data-ec-variant=\"N/A\" href=\"/spill/\">Spill</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.13834273\" data-ec-name=\"Quiz\" data-ec-variant=\"N/A\" href=\"/emne/quiz-1.13834273\">Quiz</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17105310\" data-ec-name=\"Former (minispill)\" data-ec-variant=\"N/A\" href=\"/former-1.17105310\">Former</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17073958\" data-ec-name=\"Tvers (minispill)\" data-ec-variant=\"N/A\" href=\"/tvers-1.17073958\">Tvers</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6950\" data-ec-name=\"Agder\" data-ec-variant=\"N/A\" href=\"/sorlandet/\">Agder</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Akershus\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Akershus</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6974\" data-ec-name=\"Buskerud\" data-ec-variant=\"N/A\" href=\"/buskerud/\">Buskerud</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Finnmark\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Finnmark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6944\" data-ec-name=\"Innlandet\" data-ec-variant=\"N/A\" href=\"/innlandet/\">Innlandet</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6946\" data-ec-name=\"M&oslash;re og Romsdal\" data-ec-variant=\"N/A\" href=\"/mr/\">Møre og Romsdal</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6947\" data-ec-name=\"Nordland\" data-ec-variant=\"N/A\" href=\"/nordland/\">Nordland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Oslo\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Oslo</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6948\" data-ec-name=\"Rogaland\" data-ec-variant=\"N/A\" href=\"/rogaland/\">Rogaland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Telemark\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Telemark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Troms\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Troms</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6943\" data-ec-name=\"Tr&oslash;ndelag\" data-ec-variant=\"N/A\" href=\"/trondelag/\">Trøndelag</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Vestfold\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Vestfold</a></li><li 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mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://hjelp.nrk.no\" data-ec-name=\"Hjelp\" data-ec-variant=\"N/A\" href=\"https://hjelp.nrk.no/\">Hjelp</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Informasjon\" data-ec-variant=\"N/A\" href=\"/informasjon/\">Informasjon</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/baerekraft\" data-ec-name=\"Bærekraft\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/baerekraft\">Bærekraft</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/karriere\" data-ec-name=\"Karriere\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/karriere/\">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>\n \n </div><div class=\"g100 col fc sAUTO group-reference\"><div class=\"group widget rich menu-bar cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s18 sg6 sg9 sg12 menu-reference\"><!-- include: /serum/render?id=1.11101807&size=18&perspective=RICH&alignment=LEFT -->\n<nav class=\"menu widget rich\">\n<h2 class=\"menu__title skin-text\">\n<a class=\"skin-border\" href=\".\">Norge</a>\n</h2>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--prev skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--next skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<ul class=\"menu__list\" id=\"mitfMYB9b7TB-Twt0kA85JEg\">\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6892\" href=\"https://www.nrk.no/nyheter/\">\nSiste nytt\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6837\" href=\"https://www.nrk.no/dokumentar/\">\nDokumentar\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.7058\" href=\"https://www.nrk.no/klima/\">\nKlima\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6831\" href=\"https://www.nrk.no/ytring/\">\nNRK Ytring\n</a>\n</li>\n</ul>\n</nav>\n\n</div></div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 surrogate-reference\"><!-- include: /serum/render?id=1.7592607&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE --><!-- START: /templates/surrogate/surrogate.jsp -->\n<div class=\"surrogate widget rich container-widget\" data-id=\"1.17690359\">\n<div class=\"g100 col fln s18 sg6 sg9 sg12 article-reference\">\n<!-- include: /serum/render?id=1.17690359&size=18&perspective=RICH&alignment=AUTO&showDescription=false&classes=+surrogate-content --><!-- START: /templates/article/article-rich.jsp -->\n<article class=\"article widget rich surrogate-content container-widget cf js-initialize \" data-id=\"1.17690359\" role=\"main\">\n<div class=\"spacer g5 col fl s1 sl6 sl9 sl12 sl18\"></div>\n<div data-ec-list=\"article_lead\" data-ec-name=\"ingress\">\n<div class=\"g94 col fl s17 sl18 sg6 sg9 sg12 container-widget\">\n<header class=\"container-widget-content article-header\">\n<h1 class=\"title title-large article-title \">Nå får sparekontoen en sterk konkurrent</h1>\n<div class=\"text-body text-body-sans-serif article-lead\">\n<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>\n</div>\n</header>\n<div class=\"g70 col fl s12 sl18 sg6 sg9 article-lead-media \">\n<!-- include: /serum/render?id=1.17666113&size=12&perspective=RICH&alignment=CENTER&caption=Flere+privatpersoner+vil+trolig+investere+i+rentefond+i+tiden+fremover.+&type=image&aspect=F169 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En hånd holder en telefon med en spareapp\" loading=\"eager\" sizes=\"(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n</div>\n<div class=\"article-header-sidebar g22 col fl s4 sl6 sl9 sl12 sl18\" role=\"contentinfo\">\n<div class=\"container-widget-content authors \">\n<!-- include: /serum/render?id=18.8224&size=18&perspective=BRIEF&alignment=AUTO&role=Journalist --><!-- START: /templates/author/author-brief.jsp -->\n<div class=\"author widget brief\">\n<div class=\"author__image\">\n<!-- include: /serum/render?id=1.8117169&size=1&perspective=LEAN&alignment=AUTO&type=image&aspect=F11&title= --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean\">\n<div class=\"responsive-img F11\"><img alt=\"\" loading=\"eager\" sizes=\"(min-width:1180px) 64px, (min-width:720px) 6vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wlXlvBrzfK2RQqQUzZsM8Nw.jpg 80w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wqLhS0q-AYVRQqQUzZsM8Nw.jpg 160w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w_Msxcb8Wz1JQqQUzZsM8Nw.jpg 350w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wWDXGV3_H22RQqQUzZsM8Nw.jpg 450w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w81RsJdum9UBQqQUzZsM8Nw.jpg 650w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wwxobG6yBsNJQqQUzZsM8Nw.jpg 1000w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wKcG_fn2nsdJQqQUzZsM8Nw.jpg 1200w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wkXJ6FtAwiwxQqQUzZsM8Nw.jpg 1600w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wSWmtJ8QBgp5QqQUzZsM8Nw.jpg 2000w\" title=\"\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n<div class=\"author__body\">\n<a class=\"author__name\" href=\"https://www.nrk.no/forfatter/johan-b-saettem-18.8224\" title=\"Gå til personens side\">\nJohan B Sættem\n<span class=\"sr-only\">\n<span> – Journalist</span>\n</span>\n</a>\n<span aria-hidden=\"true\" class=\"author__role\">Journalist</span>\n</div>\n</div>\n<!-- END: /templates/author/author-brief.jsp -->\n\n</div>\n<div class=\"article-dateline article-dateline-header container-widget-content\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:57:41+01:00\">\n19.12.2025, kl. 17.57\n</time></span>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"favorite-button-placeholder__metadata\"></div>\n<div class=\"container-widget-content\">\n<aside class=\"article-metadata--mobile\">\n<div class=\"article-dateline article-dateline--mobile\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:57:41+01:00\">\n19.12.2025, kl. 17.57\n</time></span>\n</div>\n</aside>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"container-widget-content favorite-button-placeholder__sidebar\"></div>\n</div>\n<div class=\"g55 col fl s10 sl12 sl18 sg6 sg9\">\n<div class=\"article-body lp_articlebody text-body text-body-sans-serif container-widget-content nostack cf\" data-ec-list=\"article_body\" data-ec-name=\"brødtekst\" data-main-content>\n<p class=\"article-body--updating\" data-is-updating-article=\"false\" data-last-updated=\"1766163461000\" data-updating-text=\"Saken oppdateres.\"></p>\n<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>\n<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>\n<p>Det er nytt fra 1. januar.</p>\n<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>\n<ul>\n<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>\n<li>Den effektive skattesatsen reduseres.</li>\n</ul>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 fact-reference\" id=\"1.17693192.81f1aa66\"><!-- include: /serum/render?id=1.17693192&size=10&perspective=BRIEF&alignment=CENTER&variant=maximized&parentSize=10 -->\n<aside aria-labelledby=\"fact-1-17693192_title\" class=\" fact widget brief skin-background-50 darkmode-skin-background-900 skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover fact--full\" data-ec-category=\"fact--full\" data-ec-id=\"pp:article:1.17693192\" data-ec-name=\"Saken oppsummert\" data-id=\"1.17693192\" id=\"fact-1-17693192\" role=\"complementary\">\n<h3 class=\"fact__title title\" id=\"fact-1-17693192_title\">Saken oppsummert</h3>\n<button class=\"fact__expand\" data-factid=\"fact-1-17693192\" data-k5a-pos=\"faktaboks\">\n<div class=\"skin-background-100 skin-text-800 darkmode-skin-background-800 darkmode-skin-text-100\">\n<span class=\"show-more-button-text\"></span>\n</div>\n</button>\n<div aria-hidden=\"false\" class=\"fact__body text-body skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover \">\n<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.</p>\n<p>• I likhet med banksparing er skattesatsen på gevinster i rentefond 22 prosent. Til sammenligning er skattesatsen for gevinster i aksjefond og aksjer 37.84 prosent.</p>\n<p>• Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>\n<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>\n</div>\n</aside>\n</div>\n<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>\n<p><!-- include: /serum/render?id=1.17479408&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17479408\" data-ec-name=\"500 milliarder kroner på konto med nullrente\" href=\"https://www.nrk.no/norge/500-milliarder-kroner-pa-konto-med-nullrente-1.17479408\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\n500 milliarder kroner på konto med nullrente\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17484606&size=10&perspective=LEAN&alignment=AUTO&caption=Studentene+Gustav+Lind+Fossen+%28til+venstre%29+og+Birk+Bratt+Petersen.&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"To unge menn sitter på en benk\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w\" title=\"Foto: Kaspara Aavik Stoltze / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\" ec-name=\"2,8 prosent\" href=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\">2,8 prosent</a>.</p>\n<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>\n<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>\n<p><!-- include: /serum/render?id=1.17675562&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17675562\" data-ec-name=\"Mobilen tar over for bankkortet\" href=\"https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nMobilen tar over for bankkortet\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17675888&size=10&perspective=LEAN&alignment=AUTO&caption=Det+er+mange+fleire+som+har+%C2%ABt%C3%A6ppa%C2%BB++telefonen+i+staden+for+kortet+i+%C3%A5r+enn+i+fjor.+&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w\" title=\"Foto: Terje Bendiksby / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>\n<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>\n<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>\n<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17690469.58ce2cfe\"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo.\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Investeringsdirektør Robert Næss i Nordea.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>\n<p>Det er betydelig høyere enn en <a ec-id=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\" ec-name=\"gjennomsnittlig sparerente\" href=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\">gjennomsnittlig sparerente</a> i banken.</p>\n<h2>– I praksis ingen risiko</h2>\n<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>\n<p><!-- include: /serum/render?id=1.17607673&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17607673\" data-ec-name=\"Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\" href=\"https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nTalet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17620602&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w\" title=\"Foto: Brynjar Mangor Myrtveit Osgjerd / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>\n<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>\n<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>\n<h2>– Vil bli mer populært</h2>\n<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>\n<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17656789\" data-ec-name=\"Har du noen gang sett denne seddelen?\" href=\"https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nHar du noen gang sett denne seddelen?\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17660065&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en tusenlapp.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w\" title=\"Foto: NTB scanpix\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17665949.58ea5c00\"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En mann med skjegg står inne i Storebrands hovedkontor i Oslo. \" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Porteføljeforvalter Joar Hagatun i Kron.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>\n<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17439769.59068b02\"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Guro Sollien Eriksrud i Forbrukerrådet\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n<figcaption>\n<p class=\"\">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>\n<small>Foto: Håkon Benjaminsen / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<h2>– Viktig å være klar over gebyrene</h2>\n<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id=\"https://www.forbrukerradet.no/fond/likviditetsfond\" ec-name=\"nettsidene til Forbrukerrådets finansportal.\" href=\"https://www.forbrukerradet.no/fond/likviditetsfond\">nettsidene til Forbrukerrådets finansportal.</a></p>\n<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>\n<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>\n</div>\n<div class=\"article-dateline article-footer container-widget-content cf\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:57:41+01:00\">\n19.12.2025, kl. 17.57\n</time></span>\n</div>\n</div>\n<!-- include: /serum/render?id=panorama.singleton.favorittmarkering&size=18&perspective=RICH&alignment=AUTO -->\n <div class=\"min-side\" data-state-id=\"ao842t27qv\" data-static-host=\"https://static.nrk.no/publisering/min-side\"><link href=\"https://static.nrk.no/publisering/min-side/static/0-c2ddc9339a70fac9c76d.css\" rel=\"stylesheet\" type=\"text/css\"><link href=\"https://static.nrk.no/publisering/min-side/static/saveButton-62d288e344506c232def.css\" rel=\"stylesheet\" type=\"text/css\"></div>\n \n<aside class=\"g27 col fl s5 sl6 sl9 sl12 sl18 article-reference article-sidebar lp_related\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=5&perspective=RICH&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11269891\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11269891\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\nBank og finans\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11269891\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17690784\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17690784&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17690784\" data-ec-name=\"Får ikke satt inn kontanter i banken - frivillige fortviler\" data-id=\"1.17690784\" href=\"https://www.nrk.no/innlandet/far-ikke-satt-inn-kontanter-i-banken---frivillige-fortviler-1.17690784\">\n<!-- include: /serum/render?id=1.17692789&size=5&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Et skuffefullt med norske mynter er avbildet. Myntene ligger tettpakket i en metallskuff. Bildet viser både større og mindre mynter i blandet valør. Skuffen er plassert i et hvitt skap. (Bildebeskrivelsen er laget av en KI-tjeneste)\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gPEj3U1hOjgTpijX6d3KDdQ.jpg 80w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCX_YPxCs23TpijX6d3KDdQ.jpg 160w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_grUG-Jpf2tqXpijX6d3KDdQ.jpg 350w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gJUoaTHMZhAfpijX6d3KDdQ.jpg 450w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gx2gLeUKOHPfpijX6d3KDdQ.jpg 650w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gEIQNhtJQPzPpijX6d3KDdQ.jpg 1000w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCtVyd-DWmPjpijX6d3KDdQ.jpg 1200w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gnl96Wu2M61HpijX6d3KDdQ.jpg 1600w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_g-bTfSOw0nrjpijX6d3KDdQ.jpg 2000w\" title=\"Foto: Frode Meskau / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Får ikke satt inn kontanter i banken - frivillige fortviler</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17065305\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17065305&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17065305\" data-ec-name=\"Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.\" data-id=\"1.17065305\" href=\"https://www.nrk.no/norge/dette-betalte-10-av-norges-storste-selskaper-i-skatt.-fra-0-kroner-til-39-milliarder.-1.17065305\">\n<!-- include: /serum/render?id=1.17595164&size=5&perspective=LEAN&alignment=AUTO&caption=Reitan-familien+kontrollerer+dagligvarekjeden+Rema+1000.+Fra+venstre%3A+Ole+Robert+Reitan%2C+Odd+Reitan+og+Magnus+Reitan.+Bildet+ble+under+%C3%A5pningen+av+Nye+Hjorten+Teater+i+Trondheim+i+fjor.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En gruppe mennesker som står sammen\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQFhAS81MwRVpa3wJO_UnXag.jpg 80w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQRZoIg4dQGYta3wJO_UnXag.jpg 160w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOOu-MAiuWqha3wJO_UnXag.jpg 350w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQf9ydUudCU0Na3wJO_UnXag.jpg 450w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQX-LkGYs0SU1a3wJO_UnXag.jpg 650w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQjSmcexUM3OVa3wJO_UnXag.jpg 1000w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQdSujwjaju0Ja3wJO_UnXag.jpg 1200w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQB-IoDLCJhaVa3wJO_UnXag.jpg 1600w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOEvBpm91Dl5a3wJO_UnXag.jpg 2000w\" title=\"Foto: Jan Langhaug / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n<div class=\"container-widget-content pagination nrk-pagination\">\n<button class=\"flow-page-forward nrk-button\" data-id=\"1.11269891?size=5&perspective=BRIEF&alignment=AUTO&display=true&arrangement.offset=3&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE\">\n<span class=\"button-icon\">+</span>\n<span>Vis flere</span>\n</button>\n</div>\n</div>\n\n<!-- END: /templates/universe/universe.jsp -->\n\n<div class=\"article-universe-teaser container-widget-content\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=18&perspective=REFERENCE&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE&classes=article-universe-link+universe-teaser -->\n<a class=\"universe widget reference article-universe-link universe-teaser lp_universe_link\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\n<span>Mer om:</span>\nBank og finans\n</a>\n\n</div>\n</aside>\n</article>\n\n\n</div>\n</div>\n</div><div class=\"g100 col fc s18 sg6 sg9 sg12 remoterenderedcontent-reference\"><!-- include: /serum/render?id=1.13390103&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE -->\n \n <link href=\"https://static.nrk.no/publisering/kurator-visning/assets/elglobo-b35c0b2b.css\" rel=\"stylesheet\">\n \n <div class=\"elglobo lp_relatedglobal\" data-k5a-pos=\"relatedglobal\">\n <div class=\"elglobo__title-wrapper\">\n <h3 class=\"nrk-floor__content__title widget-title skin-border\">NRK anbefaler</h3>\n </div>\n <section class=\"kur-house__main\" data-generated-time=\"2025-12-19T17:01:28.643Z\" data-published-time=\"2025-10-16T08:12:53.042Z\" data-version-id=\"4849058\" id=\"kurator_main\">\n \n <section class=\"kur-floor kur-floor--mix kur-floor--normal\">\n <div class=\"kur-floor__content lp_flow\" data-ec-brand=\"kur:1\" data-ec-list=\"nrkno_elglobo\">\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263332\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263332\" data-ec-id=\"pp:article:1.17680700\" data-ec-name=\"Deler sensitive opplysningar om barna på nett\" data-ec-position=\"1\" lang=\"no\">\n <a href=\"https://www.nrk.no/vestland/barn-blir-eksponerte-med-namn-og-bilete-i-barnevernssaker-1.17680700\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--1\">\n <span>\n <small>Foreldre i barnevernssaker:</small> Deler sensitive opplysningar om barna på nett\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263331\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-low kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263331\" data-ec-id=\"pp:article:1.17690395\" data-ec-name=\"– Tror mange ikke er klar over dette\" data-ec-position=\"2\" lang=\"no\">\n <a href=\"https://www.nrk.no/stor-oslo/oskar-hadde-manedskort.-ma-likevel-betale-bot_-1.17690395\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--4\">\n <span>\n <small>Oskar hadde månedskort – fikk likevel bot:</small> <span class=\"kur-nowrap\">– </span>Tror mange ikke er klar over dette\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n </div>\n </section>\n \n </section>\n </div>\n \n \n \n </div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g50 col fl s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.11001879&secondary=1.17690359&size=9&perspective=RICH&alignment=LEFT&head=AKTUELT+N%C3%85&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=1&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=9&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.11001879\" data-relation-limit=\"1\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>AKTUELT NÅ</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations\" data-ec-list=\"pp:article:1.11001879\" data-ec-name=\"nrkno_flow\"><div class=\"g100 col fl s9 sl12 sl18 sg6 compilation-reference relation flow-relation\" data-id=\"1.11661059\" data-reference-id=\"1.11001879.body20959\"><!-- include: /serum/render?id=1.11661059&size=9&perspective=BRIEF&alignment=LEFT&quantity=40 -->\n<div class=\"compilation widget brief plug cf js-initialize lp_compilation\" data-id=\"1.11661059\" data-perspective=\"BRIEF\">\n<a class=\"autonomous\" data-id=\"1.11661059\" href=\"https://www.nrk.no/nyheter/kongefamilien-1.11661059\" title=\"Kongefamilien\">\n<div class=\"compilation-media\">\n<!-- include: /serum/render?id=1.17577488&size=9&perspective=RICH&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Mette-Marit, kronprinsesse av Norge\" loading=\"eager\" sizes=\"(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgln2ehesqvqJbJc-bEukATA.jpg 80w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgenM5T7faVOhbJc-bEukATA.jpg 160w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg5kdhUDy-pWVbJc-bEukATA.jpg 350w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgDLqrR08Yc4RbJc-bEukATA.jpg 450w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgo3fe-y_Bz9RbJc-bEukATA.jpg 650w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgGknO82dEvaFbJc-bEukATA.jpg 1000w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg3i5ctqRt12pbJc-bEukATA.jpg 1200w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgPUdaSUT6BjRbJc-bEukATA.jpg 1600w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgh-q8kfkwZFlbJc-bEukATA.jpg 2000w\" title=\"Foto: Thomas Andersen / NTB\"></div>\n<figcaption>\n<small>Foto: Thomas Andersen / NTB</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n<div class=\"status-line\">\n<div class=\"status-line-top skin-background\"></div>\n<div class=\"status-line-bottom\"></div>\n</div>\n</div>\n<div class=\"plug-teaser skin-border\">\n<h2 class=\"title\">Kronprinsesse Mette-Marit forberedes på lungetransplantasjon</h2>\n<span class=\"compilation-circle\"></span>\n<span class=\"compilation-link\">Kongefamilien</span>\n<footer class=\"plug-footer\">\n<div class=\"plug-metadata plug-metadata-footer\">\n<span class=\"plug-metadata-icon skin-plug-icon\">\nFølg saken\n</span>\n</div>\n</footer>\n</div>\n</a>\n</div>\n\n</div></div>\n</div>\n</div></div></div><div class=\"g50 col fr s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich lp_newsroomglobo cf container-widget\"><div class=\"g100 col fr s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.12990296&secondary=1.17690359&size=9&perspective=RICH&alignment=RIGHT&head=SISTE+NYTT&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=10&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=AUTO&arrangement.view%5B0%5D.alignment=RIGHT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.12990296\" data-relation-limit=\"10\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>SISTE NYTT</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations flow-content__empty\" data-ec-list=\"pp:article:1.12990296\" data-ec-name=\"nrkno_flow\"></div>\n</div>\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 stream-reference\"><!-- include: /serum/render?id=1.11001867&size=9&perspective=LEAN&alignment=RIGHT&quantity=15 -->\n<section class=\"stream widget lean cf js-initialize js-realtime\" data-id=\"1.11001867\" data-permalink=\"\" data-relation-limit=\"15\" data-relation-perspective=\"REFERENCE\">\n<header class=\"stream-header\">\n<h3 class=\"stream-title\"><time aria-live=\"off\"> </time>Siste meldinger\n</h3></header>\n<ul aria-live=\"polite\" class=\"stream-lean-content relations\">\n<li class=\"stream-item relation\" data-id=\"1.17700758\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700758.1.17700758\" id=\"1.17700758.1.17700758\">\n<!-- include: /serum/render?id=1.17700758&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700758\" href=\"https://www.nrk.no/nyheter/melding-om-knivstikking-i-steinkjer-1.17700758\">\n<time class=\"bulletin-publication-time\">\n17:53\n</time>\nMelding om knivstikking i Steinkjer\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700752\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700752.1.17700752\" id=\"1.17700752.1.17700752\">\n<!-- include: /serum/render?id=1.17700752&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700752\" href=\"https://www.nrk.no/tromsogfinnmark/kan-fangste-342.666-tonn-sild-i-2026-1.17700752\">\n<time class=\"bulletin-publication-time\">\n17:34\n</time>\nKan fangste 342.666 tonn sild i 2026\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700727\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700727.1.17700727\" id=\"1.17700727.1.17700727\">\n<!-- include: /serum/render?id=1.17700727&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700727\" href=\"https://www.nrk.no/nyheter/datatilsynet-advarer_-tiktok-fortsetter-a-sende-personopplysninger-til-kina-1.17700727\">\n<time class=\"bulletin-publication-time\">\n17:32\n</time>\nDatatilsynet advarer: TikTok fortsetter å sende personopplysninger til Kina\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700744\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700744.1.17700744\" id=\"1.17700744.1.17700744\">\n<!-- include: /serum/render?id=1.17700744&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700744\" href=\"https://www.nrk.no/innlandet/bremsa-for-radyr---endte-med-pakjorsel-1.17700744\">\n<time class=\"bulletin-publication-time\">\n17:17\n</time>\nBremsa for rådyr - endte med påkjørsel\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700714\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700714.1.17700714\" id=\"1.17700714.1.17700714\">\n<!-- include: /serum/render?id=1.17700714&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700714\" href=\"https://www.nrk.no/innlandet/ti-personer-involvert-i-frontkollisjon-i-tynset-1.17700714\">\n<time class=\"bulletin-publication-time\">\n17:03\n</time>\nTi personer involvert i frontkollisjon i Tynset\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700717\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700717.1.17700717\" id=\"1.17700717.1.17700717\">\n<!-- include: /serum/render?id=1.17700717&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700717\" href=\"https://www.nrk.no/nyheter/apoteka-kan-levere-ut-medisinar-pa-resept-igjen-1.17700717\">\n<time class=\"bulletin-publication-time\">\n16:52\n</time>\nApoteka kan levere ut medisinar på resept igjen\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700696\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700696.1.17700696\" id=\"1.17700696.1.17700696\">\n<!-- include: /serum/render?id=1.17700696&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700696\" href=\"https://www.nrk.no/nyheter/vil-ta-betalt-for-inngang-til-trevi-fontena-1.17700696\">\n<time class=\"bulletin-publication-time\">\n16:47\n</time>\nVil ta betalt for inngang til Trevi-fontena\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700613\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700613.1.17700613\" id=\"1.17700613.1.17700613\">\n<!-- include: /serum/render?id=1.17700613&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700613\" href=\"https://www.nrk.no/nyheter/vil-la-pst-etterforske-alvorlig-kriminalitet-bredere-1.17700613\">\n<time class=\"bulletin-publication-time\">\n16:25\n</time>\nVil la PST etterforske alvorlig kriminalitet bredere\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700533\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700533.1.17700533\" id=\"1.17700533.1.17700533\">\n<!-- include: /serum/render?id=1.17700533&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700533\" href=\"https://www.nrk.no/tromsogfinnmark/kongekrabbekvoten-i-2026_-_-ein-kraftig-reduksjon-1.17700533\">\n<time class=\"bulletin-publication-time\">\n16:14\n</time>\nKongekrabbekvoten i 2026: – Ein kraftig reduksjon\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700499\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700499.1.17700499\" id=\"1.17700499.1.17700499\">\n<!-- include: /serum/render?id=1.17700499&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700499\" href=\"https://www.nrk.no/vestfoldogtelemark/brann-i-kjoretoy-i-tonsberg-_-vei-stengt-1.17700499\">\n<time class=\"bulletin-publication-time\">\n15:29\n</time>\nBrann i kjøretøy i Tønsberg – vei stengt\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700560\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700560.1.17700560\" id=\"1.17700560.1.17700560\">\n<!-- include: /serum/render?id=1.17700560&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700560\" href=\"https://www.nrk.no/nyheter/over-500-menneske-redda-ved-kreta-1.17700560\">\n<time class=\"bulletin-publication-time\">\n15:28\n</time>\nOver 500 menneske redda ved Kreta\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700517\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700517.1.17700517\" id=\"1.17700517.1.17700517\">\n<!-- include: /serum/render?id=1.17700517&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700517\" href=\"https://www.nrk.no/nyheter/who_-over-1000-pasienter-dode-i-gaza-1.17700517\">\n<time class=\"bulletin-publication-time\">\n15:05\n</time>\nWHO: Over 1000 pasienter døde i Gaza\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700491\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700491.1.17700491\" id=\"1.17700491.1.17700491\">\n<!-- include: /serum/render?id=1.17700491&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700491\" href=\"https://www.nrk.no/innlandet/glamdalen_-to-i-kongsvinger-drapet-loslatt-1.17700491\">\n<time class=\"bulletin-publication-time\">\n14:59\n</time>\nGlåmdalen: To i Kongsvinger-drapet løslatt\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700493\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700493.1.17700493\" id=\"1.17700493.1.17700493\">\n<!-- include: /serum/render?id=1.17700493&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700493\" href=\"https://www.nrk.no/nyheter/ingen-apotek-far-delt-ut-medisiner-pa-resept-1.17700493\">\n<time class=\"bulletin-publication-time\">\n14:42\n</time>\nIngen apotek får delt ut medisiner på resept\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700485\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700485.1.17700485\" id=\"1.17700485.1.17700485\">\n<!-- include: /serum/render?id=1.17700485&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700485\" href=\"https://www.nrk.no/nyheter/russer-siktet-i-israel-for-a-ha-spionert-for-iran-1.17700485\">\n<time class=\"bulletin-publication-time\">\n14:32\n</time>\nRusser siktet i Israel for å ha spionert for Iran\n</a>\n</span>\n\n</li>\n</ul>\n</section>\n\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 singleton-reference\"><!-- include: /serum/render?id=1.11263327&size=9&perspective=RICH&alignment=RIGHT -->\n<div class=\"stream-lean-footer\">\n<a class=\"stream-lean-exit\" href=\"https://www.nrk.no/nyheter/\" target=\"_parent\">Følg nyhetsbildet <span>akkurat nå</span></a>\n<svg aria-hidden=\"true\" class=\"arrow-right\" role=\"presentation\" shape-rendering=\"auto\" viewbox=\"0 0 9 23\">\n<g fill=\"none\" fill-rule=\"evenodd\">\n<path d=\"M2 2l5 9.723L2 21\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"2\"></path>\n</g>\n</svg>\n</div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 universe-reference\"><!-- include: 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data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17700625&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17700625\" data-ec-name=\"Norsk 19-åring knyttes til flere voldsoppdrag denne høsten\" data-id=\"1.17700625\" href=\"https://www.nrk.no/norge/norsk-19-aring-knyttes-til-flere-voldsoppdrag-denne-hosten-1.17700625\">\n<!-- include: /serum/render?id=1.17643359&size=6&perspective=LEAN&alignment=AUTO&caption=Kriminalteknikere+gj%C3%B8r+unders%C3%B8kelser+etter+skytingen+p%C3%A5+H%C3%B8ybr%C3%A5ten+i+november&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En dør og en laserstråle\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSw2LpM8kfWcP0DHH6E0gdYIg.jpg 80w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSw8ynFHs5M7noDHH6E0gdYIg.jpg 160w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwBl0CzTKMWHIDHH6E0gdYIg.jpg 350w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwlppZuzP5SfgDHH6E0gdYIg.jpg 450w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwr_FEmH00Ez0DHH6E0gdYIg.jpg 650w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwu1RiJYTajUsDHH6E0gdYIg.jpg 1000w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwNEggs6EvoakDHH6E0gdYIg.jpg 1200w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwAvchErLPbMEDHH6E0gdYIg.jpg 1600w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwPiAHwd5JMMIDHH6E0gdYIg.jpg 2000w\" title=\"Foto: Hans O. Torgersen\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Norsk 19-åring knyttes til flere voldsoppdrag denne høsten</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17699895\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17699895&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17699895\" data-ec-name=\"Daværende sametingspresident visste at de «pressa noen grenser» da de brøt Grunnloven\" data-id=\"1.17699895\" href=\"https://www.nrk.no/sapmi/davaerende-sametingspresident-visste-at-de-_pressa-noen-grenser_-da-de-brot-grunnloven-1.17699895\">\n<!-- include: /serum/render?id=1.17700013&size=6&perspective=LEAN&alignment=AUTO&caption=KRITISK%3A+Tidligere+sametingspresident%2C+Vibeke+Larsen%2C+kaller+direkt%C3%B8rens+varsel+om+oppsigelse+for+%C2%ABhodejakt.%C2%BB&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Vibeke Larsen, leiar, Nordkalottfolket \" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QXaFQl3ArkxKfb6Qnsbj0sQ.jpg 80w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3Q1zhImM7QrJGfb6Qnsbj0sQ.jpg 160w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3Qn3flihE2a92fb6Qnsbj0sQ.jpg 350w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3Qhk5R_6GGgPefb6Qnsbj0sQ.jpg 450w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QFjocUJo7rV2fb6Qnsbj0sQ.jpg 650w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QrltaI4noznWfb6Qnsbj0sQ.jpg 1000w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QZh_-rsSerkGfb6Qnsbj0sQ.jpg 1200w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QTMrY-axinmGfb6Qnsbj0sQ.jpg 1600w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QqY35o498oz2fb6Qnsbj0sQ.jpg 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Daværende sametingspresident visste at de «pressa noen grenser» da de brøt Grunnloven</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17698603\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17698603&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17698603\" data-ec-name=\"Den store juleguiden: Dette skjer i Sápmi\" data-id=\"1.17698603\" href=\"https://www.nrk.no/sapmi/den-store-juleguiden_-dette-skjer-i-sapmi-1.17698603\">\n<!-- include: /serum/render?id=1.16626849&size=6&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Julekonsert med barnekorene i Bodø domkirke\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwCv42AmMQgji1KTFMB6M6NA.jpg 80w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwIKZ0HLT76R-1KTFMB6M6NA.jpg 160w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmw0Bye2shMR2i1KTFMB6M6NA.jpg 350w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwWijSrTKU1uC1KTFMB6M6NA.jpg 450w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwUFssbf86OLC1KTFMB6M6NA.jpg 650w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwahQ7nPpGo5a1KTFMB6M6NA.jpg 1000w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwZWYvm3DYavS1KTFMB6M6NA.jpg 1200w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwYGPL5tYMYgq1KTFMB6M6NA.jpg 1600w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwlr3iGSQmrwK1KTFMB6M6NA.jpg 2000w\" title=\"Foto: Karina Haug\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Den store juleguiden: Dette skjer i Sápmi</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n</div>\n<!-- END: /templates/universe/universe.jsp -->\n</div></div></div><div class=\"g100 col fln sAUTO footer-reference\"><!-- include: /serum/render?id=1.12592700&size=18&perspective=RICH&alignment=AUTO --><link 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8.53643C26.2146 7.9988 26.1689 7.37859 26.6588 6.87059L26.6598 6.87147Z\" fill=\"currentColor\"></path><path d=\"M30.2087 7.38576L30.6602 8.02571L29.2188 9.83965L31.4124 9.09201L31.8638 9.73195L28.6792 10.6816L28.244 10.0632L30.2106 7.38397L30.2087 7.38576Z\" fill=\"currentColor\"></path><path d=\"M30.2724 12.8707L29.8093 11.8556L29.4161 11.9157L29.0967 11.2156L32.4058 10.8781L32.7101 11.5459L30.2886 13.8284L29.969 13.1283L30.2724 12.8716V12.8707ZM30.7248 12.4856L31.8332 11.5441L30.3953 11.7649L30.7238 12.4856H30.7248Z\" fill=\"currentColor\"></path><path d=\"M31.7219 15.7266L30.8621 16.4789L30.6872 15.6692L31.4357 15.0006L31.3549 14.6263L30.5014 14.8112L30.3469 14.0985L33.4273 13.4325L33.711 14.7439C33.8501 15.3865 33.4839 15.9492 32.8368 16.0893C32.388 16.1862 31.9742 16.0408 31.7219 15.7266ZM31.9355 14.5015L32.0415 14.9898C32.1034 15.2761 32.3728 15.4341 32.6805 15.3677C32.9884 15.3012 33.1679 15.0454 33.106 14.76L33.0001 14.2717L31.9355 14.5024V14.5015Z\" 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0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Kontakt</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Hjelp<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Personvern</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/informasjonskapsler/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Hjelp</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Personvern</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/informasjonskapsler/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Tjenester<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.yr.no\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Yr</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/skole/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>NRK Skole</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Tjenester</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.yr.no\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Yr</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/skole/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>NRK Skole</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Produksjon<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/eksternproduksjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Eksterne produksjoner</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/retningslinjer/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Retningslinjer og design</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 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"source_updated_at" : "2025-12-19 16:57:41",
"summary" : "Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.",
"tags" : null,
"title" : "Nå får sparekontoen en sterk konkurrent",
"twitter_title" : "Nå får sparekontoen en sterk konkurrent",
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Version 2
2025-12-19 17:02:56
Nå får sparekontoen en sterk konkurrent
UPDATE
Author: Johan B Sættem
Published: 2025-12-19 04:11:45
Updated: 2025-12-19 16:53:09
Category: Bank og finans
📝 Summary
Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.
📄 Full Content (4539 chars)
Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.
Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.
Det er nytt fra 1. januar.
Endringen gir to fordeler som øker lønnsomheten over tid:
- Den utsatte skatten fører til en rentes-rente-effekt på sparingen.
- Den effektive skattesatsen reduseres.
Saken oppsummert
• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats. • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.
Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.
Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.
Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten 2,8 prosent.
Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.
Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.
Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.
Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.
Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.
– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.
Investeringsdirektør Robert Næss i Nordea.
Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.
Det er betydelig høyere enn en gjennomsnittlig sparerente i banken.
– I praksis ingen risiko
Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.
– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.
På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.
Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.
– Vil bli mer populært
– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.
Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.
Porteføljeforvalter Joar Hagatun i Kron.
– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.
Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.
– Viktig å være klar over gebyrene
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på nettsidene til Forbrukerrådets finansportal.
– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.
Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.
🔍 All Metadata (JSON)
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats. • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
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<description>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</description>
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href="/ytring/">Ytring</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7375" data-ec-name="NRK Sápmi" data-ec-variant="N/A" href="/sapmi/">NRK Sápmi</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7427" data-ec-name="NRK Kvensk" data-ec-variant="N/A" href="/kvensk/">NRK Kvensk</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:2.6852" data-ec-name="Sport" data-ec-variant="N/A" href="/sport/">Sport</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6852" data-ec-name="Sportsnyheter" data-ec-variant="N/A" href="/sport/">Sportsnyheter</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7128" data-ec-name="Livesport" data-ec-variant="N/A" href="https://resultater.nrk.no/">Livesport</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6851" data-ec-name="Sendeplan" data-ec-variant="N/A" href="/sport/sendeplan/">Sendeplan</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.8030" data-ec-name="Spill" data-ec-variant="N/A" href="/spill/">Spill</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.13834273" data-ec-name="Quiz" data-ec-variant="N/A" href="/emne/quiz-1.13834273">Quiz</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17105310" data-ec-name="Former (minispill)" data-ec-variant="N/A" href="/former-1.17105310">Former</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17073958" data-ec-name="Tvers (minispill)" data-ec-variant="N/A" href="/tvers-1.17073958">Tvers</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6950" data-ec-name="Agder" data-ec-variant="N/A" href="/sorlandet/">Agder</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Akershus" data-ec-variant="N/A" href="/stor-oslo/">Akershus</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6974" data-ec-name="Buskerud" data-ec-variant="N/A" href="/buskerud/">Buskerud</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Finnmark" data-ec-variant="N/A" href="/tromsogfinnmark/">Finnmark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6944" data-ec-name="Innlandet" data-ec-variant="N/A" href="/innlandet/">Innlandet</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6946" data-ec-name="M&oslash;re og Romsdal" data-ec-variant="N/A" href="/mr/">Møre og Romsdal</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6947" data-ec-name="Nordland" data-ec-variant="N/A" href="/nordland/">Nordland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Oslo" data-ec-variant="N/A" href="/stor-oslo/">Oslo</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6948" data-ec-name="Rogaland" data-ec-variant="N/A" href="/rogaland/">Rogaland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Telemark" data-ec-variant="N/A" href="/vestfoldogtelemark/">Telemark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Troms" data-ec-variant="N/A" href="/tromsogfinnmark/">Troms</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6943" data-ec-name="Tr&oslash;ndelag" data-ec-variant="N/A" href="/trondelag/">Trøndelag</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7617" data-ec-name="Vestfold" data-ec-variant="N/A" href="/vestfoldogtelemark/">Vestfold</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7623" data-ec-name="Vestland" data-ec-variant="N/A" href="/vestland/">Vestland</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6953" data-ec-name="&Oslash;stfold" data-ec-variant="N/A" href="/ostfold/">Østfold</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!">Temasider</h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://www.nrk.no/video/humor/" data-ec-name="NRK Humor" data-ec-variant="N/A" href="/video/humor/">NRK Humor</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7009" data-ec-name="NRK Mat" data-ec-variant="N/A" href="/mat/">NRK Mat</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7159" data-ec-name="NRK Skole" data-ec-variant="N/A" href="/skole/">NRK Skole</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://www.nrkbeta.no" data-ec-name="NRKbeta" data-ec-variant="N/A" href="https://www.nrkbeta.no/">NRKbeta</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://www.nrk.no/nyinorge/" data-ec-name="Ny i Norge" data-ec-variant="N/A" href="/nyinorge/">Ny i Norge</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.7002" data-ec-name="Info" data-ec-variant="N/A" href="https://www.nrk.no/informasjon/">Info</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://hjelp.nrk.no" data-ec-name="Hjelp" data-ec-variant="N/A" href="https://hjelp.nrk.no/">Hjelp</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7002" data-ec-name="Informasjon" data-ec-variant="N/A" href="/informasjon/">Informasjon</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://info.nrk.no/baerekraft" data-ec-name="Bærekraft" data-ec-variant="N/A" href="https://info.nrk.no/baerekraft">Bærekraft</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="https://info.nrk.no/karriere" data-ec-name="Karriere" data-ec-variant="N/A" href="https://info.nrk.no/karriere/">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>
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<h1 class="title title-large article-title ">Nå får sparekontoen en sterk konkurrent</h1>
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<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>
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<p class="">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>
<small>Foto: Johan B. Sættem / NRK</small>
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Johan B Sættem
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<span> – Journalist</span>
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19.12.2025, kl. 05.11
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19.12.2025, kl. 17.53
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19.12.2025, kl. 05.11
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<p class="article-body--updating" data-is-updating-article="false" data-last-updated="1766163189000" data-updating-text="Saken oppdateres."></p>
<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>
<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>
<p>Det er nytt fra 1. januar.</p>
<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>
<ul>
<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>
<li>Den effektive skattesatsen reduseres.</li>
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<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.<br> • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>
<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>
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<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>
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<div class="responsive-img F169"><img alt="To unge menn sitter på en benk" loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w" title="Foto: Kaspara Aavik Stoltze / NRK"></div>
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<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id="https://www.ssb.no/statbank/table/11019/tableViewLayout1/" ec-name="2,8 prosent" href="https://www.ssb.no/statbank/table/11019/tableViewLayout1/">2,8 prosent</a>.</p>
<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>
<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>
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<div class="responsive-img F169"><img alt="Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w" title="Foto: Terje Bendiksby / NTB"></div>
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<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>
<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>
<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>
<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>
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<div class="responsive-img F169"><img alt="Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo." loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
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<p class="">Investeringsdirektør Robert Næss i Nordea.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>
<p>Det er betydelig høyere enn en <a ec-id="https://www.forbrukerradet.no/finansportalen/bank/innskudd" ec-name="gjennomsnittlig sparerente" href="https://www.forbrukerradet.no/finansportalen/bank/innskudd">gjennomsnittlig sparerente</a> i banken.</p>
<h2>– I praksis ingen risiko</h2>
<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>
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<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>
<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>
<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>
<h2>– Vil bli mer populært</h2>
<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17656789" data-ec-name="Har du noen gang sett denne seddelen?" href="https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789">
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<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
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Har du noen gang sett denne seddelen?
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<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>
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<p class="">Porteføljeforvalter Joar Hagatun i Kron.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>
<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>
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<p class="">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>
<small>Foto: Håkon Benjaminsen / NRK</small>
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<h2>– Viktig å være klar over gebyrene</h2>
<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id="https://www.forbrukerradet.no/fond/likviditetsfond" ec-name="nettsidene til Forbrukerrådets finansportal." href="https://www.forbrukerradet.no/fond/likviditetsfond">nettsidene til Forbrukerrådets finansportal.</a></p>
<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>
<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>
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<span class="article-dateline-annotation">Publisert</span>
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19.12.2025, kl. 05.11
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<span class="article-update-date update-date"><span class="article-dateline-annotation">Oppdatert</span>
<time class="datetime-relative dateModified" datetime="2025-12-19T17:53:09+01:00">
19.12.2025, kl. 17.53
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Bank og finans
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<div class="kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork" data-ec-category="size-50" data-ec-entity-id="1263332" data-ec-id="pp:article:1.17680700" data-ec-name="Deler sensitive opplysningar om barna på nett" data-ec-position="1" lang="no">
<a href="https://www.nrk.no/vestland/barn-blir-eksponerte-med-namn-og-bilete-i-barnevernssaker-1.17680700">
<div class="kur-room__artwork">
<figure aria-hidden="true" class="kur-image">
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<picture>
<source data-srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w" media="(max-width: 719px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w">
<img alt="" class="lazyload" data-srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ" srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w" title="">
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<noscript>
<picture>
<source media="(min-width: 720px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w">
<img sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ" srcset="https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w" title="">
</picture>
</noscript>
</figure>
</div>
<div class="kur-room__content">
<h2 class="kur-room__title kur-room__title--1">
<span>
<small>Foreldre i barnevernssaker:</small> Deler sensitive opplysningar om barna på nett
</span>
</h2>
</div>
</a>
</div>
</div>
<div class="kur-room-wrapper kur-room--size-50 kur-room--standard tracklp" data-testid="kur-room-id-1263331">
<div class="kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-low kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork" data-ec-category="size-50" data-ec-entity-id="1263331" data-ec-id="pp:article:1.17690395" data-ec-name="– Tror mange ikke er klar over dette" data-ec-position="2" lang="no">
<a href="https://www.nrk.no/stor-oslo/oskar-hadde-manedskort.-ma-likevel-betale-bot_-1.17690395">
<div class="kur-room__artwork">
<figure aria-hidden="true" class="kur-image">
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<picture>
<source data-srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w" media="(max-width: 719px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w">
<img alt="" class="lazyload" data-srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w" title="">
</picture>
<noscript>
<picture>
<source media="(min-width: 720px)" sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w">
<img sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg" srcset="https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w" title="">
</picture>
</noscript>
</figure>
</div>
<div class="kur-room__content">
<h2 class="kur-room__title kur-room__title--4">
<span>
<small>Oskar hadde månedskort – fikk likevel bot:</small> <span class="kur-nowrap">– </span>Tror mange ikke er klar over dette
</span>
</h2>
</div>
</a>
</div>
</div>
</div>
</section>
</section>
</div>
</div></div></div><div class="g100 col fc s18 sg6 sg9 sg12 group-reference"><div class="group widget rich cf container-widget"><div class="g50 col fl s9 sl12 sl18 sg6 group-reference"><div class="group widget rich cf container-widget"><div class="g100 col fl s9 sl12 sl18 sg6 flow-reference"><!-- include: /serum/render?id=1.11001879&secondary=1.17690359&size=9&perspective=RICH&alignment=LEFT&head=AKTUELT+N%C3%85&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=1&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=9&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->
<div class="flow widget rich container-widget js-initialize cf" data-id="1.11001879" data-relation-limit="1">
<div class="container-widget-content">
<h3 class="widget-title skin-border"><span>AKTUELT NÅ</span></h3>
</div>
<div class="cf flow-content container-widget lp_flow relations" data-ec-list="pp:article:1.11001879" data-ec-name="nrkno_flow"><div class="g100 col fl s9 sl12 sl18 sg6 compilation-reference relation flow-relation" data-id="1.11661059" data-reference-id="1.11001879.body20959"><!-- include: /serum/render?id=1.11661059&size=9&perspective=BRIEF&alignment=LEFT&quantity=40 -->
<div class="compilation widget brief plug cf js-initialize lp_compilation" data-id="1.11661059" data-perspective="BRIEF">
<a class="autonomous" data-id="1.11661059" href="https://www.nrk.no/nyheter/kongefamilien-1.11661059" title="Kongefamilien">
<div class="compilation-media">
<!-- include: /serum/render?id=1.17577488&size=9&perspective=RICH&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-rich.jsp -->
<figure class="image widget rich plug-image">
<div class="responsive-img F169"><img alt="Mette-Marit, kronprinsesse av Norge" loading="eager" sizes="(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgln2ehesqvqJbJc-bEukATA.jpg 80w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgenM5T7faVOhbJc-bEukATA.jpg 160w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg5kdhUDy-pWVbJc-bEukATA.jpg 350w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgDLqrR08Yc4RbJc-bEukATA.jpg 450w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgo3fe-y_Bz9RbJc-bEukATA.jpg 650w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgGknO82dEvaFbJc-bEukATA.jpg 1000w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg3i5ctqRt12pbJc-bEukATA.jpg 1200w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgPUdaSUT6BjRbJc-bEukATA.jpg 1600w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgh-q8kfkwZFlbJc-bEukATA.jpg 2000w" title="Foto: Thomas Andersen / NTB"></div>
<figcaption>
<small>Foto: Thomas Andersen / NTB</small>
</figcaption>
</figure>
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<div class="status-line-top skin-background"></div>
<div class="status-line-bottom"></div>
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<div class="plug-teaser skin-border">
<h2 class="title">Kronprinsesse Mette-Marit forberedes på lungetransplantasjon</h2>
<span class="compilation-circle"></span>
<span class="compilation-link">Kongefamilien</span>
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Følg saken
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</div></div></div><div class="g50 col fr s9 sl12 sl18 sg6 group-reference"><div class="group widget rich lp_newsroomglobo cf container-widget"><div class="g100 col fr s9 sl12 sl18 sg6 flow-reference"><!-- include: /serum/render?id=1.12990296&secondary=1.17690359&size=9&perspective=RICH&alignment=RIGHT&head=SISTE+NYTT&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=10&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=AUTO&arrangement.view%5B0%5D.alignment=RIGHT&paged=OFF -->
<div class="flow widget rich container-widget js-initialize cf" data-id="1.12990296" data-relation-limit="10">
<div class="container-widget-content">
<h3 class="widget-title skin-border"><span>SISTE NYTT</span></h3>
</div>
<div class="cf flow-content container-widget lp_flow relations flow-content__empty" data-ec-list="pp:article:1.12990296" data-ec-name="nrkno_flow"></div>
</div>
</div><div class="g100 col fr s9 sl12 sl18 sg6 stream-reference"><!-- include: /serum/render?id=1.11001867&size=9&perspective=LEAN&alignment=RIGHT&quantity=15 -->
<section class="stream widget lean cf js-initialize js-realtime" data-id="1.11001867" data-permalink="" data-relation-limit="15" data-relation-perspective="REFERENCE">
<header class="stream-header">
<h3 class="stream-title"><time aria-live="off"> </time>Siste meldinger
</h3></header>
<ul aria-live="polite" class="stream-lean-content relations">
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<!-- include: /serum/render?id=1.17700758&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->
<span class="teaser widget reference emphasis-medium">
<a class="autonomous skin-text" data-id="1.17700758" href="https://www.nrk.no/nyheter/melding-om-knivstikking-i-steinkjer-1.17700758">
<time class="bulletin-publication-time">
17:53
</time>
Melding om knivstikking i Steinkjer
</a>
</span>
</li>
<li class="stream-item relation" data-id="1.17700752" data-perspective="REFERENCE" data-reference-id="1.17700752.1.17700752" id="1.17700752.1.17700752">
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<a class="autonomous skin-text" data-id="1.17700752" href="https://www.nrk.no/tromsogfinnmark/kan-fangste-342.666-tonn-sild-i-2026-1.17700752">
<time class="bulletin-publication-time">
17:34
</time>
Kan fangste 342.666 tonn sild i 2026
</a>
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<a class="autonomous skin-text" data-id="1.17700727" href="https://www.nrk.no/nyheter/datatilsynet-advarer_-tiktok-fortsetter-a-sende-personopplysninger-til-kina-1.17700727">
<time class="bulletin-publication-time">
17:32
</time>
Datatilsynet advarer: TikTok fortsetter å sende personopplysninger til Kina
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<span class="teaser widget reference emphasis-medium">
<a class="autonomous skin-text" data-id="1.17700744" href="https://www.nrk.no/innlandet/bremsa-for-radyr---endte-med-pakjorsel-1.17700744">
<time class="bulletin-publication-time">
17:17
</time>
Bremsa for rådyr - endte med påkjørsel
</a>
</span>
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<li class="stream-item relation" data-id="1.17700714" data-perspective="REFERENCE" data-reference-id="1.17700714.1.17700714" id="1.17700714.1.17700714">
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<span class="teaser widget reference emphasis-medium">
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<time class="bulletin-publication-time">
17:03
</time>
Ti personer involvert i frontkollisjon i Tynset
</a>
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<span class="teaser widget reference emphasis-medium">
<a class="autonomous skin-text" data-id="1.17700717" href="https://www.nrk.no/nyheter/apoteka-kan-levere-ut-medisinar-pa-resept-igjen-1.17700717">
<time class="bulletin-publication-time">
16:52
</time>
Apoteka kan levere ut medisinar på resept igjen
</a>
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<time class="bulletin-publication-time">
16:47
</time>
Vil ta betalt for inngang til Trevi-fontena
</a>
</span>
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<li class="stream-item relation" data-id="1.17700613" data-perspective="REFERENCE" data-reference-id="1.17700613.1.17700613" id="1.17700613.1.17700613">
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hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/deltaker/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/presse/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Presse</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Kontakt</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/informasjon/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Om NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/kontakt/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Kontakt NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/lisens/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Lisens</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/publikum/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Publikum i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/deltaker/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/presse/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Presse</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Hjelp<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Hjelp</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Tjenester<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.yr.no"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Yr</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/skole/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>NRK Skole</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Tjenester</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.yr.no"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Yr</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/skole/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>NRK Skole</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Produksjon<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/eksternproduksjon/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Eksterne produksjoner</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/retningslinjer/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Retningslinjer og design</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden 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"author" : "Johan B Sættem",
"category" : "Bank og finans",
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"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats. • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\nSkatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.\n\nTil sammenligning er skatten på gevinster i aksjefond 37,84 prosent.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
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"metadata" : "{\"raw_feed_item\":\"<item>\\r\\n <title>NÃ¥ fÃ¥r sparekontoen en sterk konkurrent</title>\\r\\n <link>https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359</link>\\r\\n <description>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</description>\\r\\n <category>Bank og finans</category>\\r\\n <pubDate>Fri, 19 Dec 2025 04:11:45 GMT</pubDate>\\r\\n <guid isPermaLink=\\\"false\\\">1.17690359</guid>\\r\\n <dc:creator>Johan B Sættem</dc:creator>\\r\\n <dc:date>2025-12-19T04:11:45Z</dc:date>\\r\\n <media:content medium=\\\"image\\\" type=\\\"image/jpeg\\\" url=\\\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MraWgyV7HOkMQ.jpg\\\">\\r\\n <media:credit role=\\\"photographer\\\" scheme=\\\"urn:ebu\\\">Johan B. Sættem/NRK</media:credit>\\r\\n <media:title>En hÃ¥nd holder en telefon med en spareapp</media:title>\\r\\n </media:content>\\r\\n </item>\",\"schema\":{\"microdata\":{\"contentUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\",\"thumbnailUrl\":\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\"}},\"content\":\"Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\\n\\nÃ
rsaken er at skatten fra nyttÃ¥r skal betales etter at fondsandelene er solgt.\\n\\nDet er nytt fra 1. januar.\\n\\nEndringen gir to fordeler som øker lønnsomheten over tid:\\n\\n- Den utsatte skatten fører til en rentes\\\\-rente\\\\-effekt pÃ¥ sparingen.\\n- Den effektive skattesatsen reduseres.\\n\\n### Saken oppsummert\\n\\n⢠Nye skatteregler fra 2026 gjør at skatt pÃ¥ renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\\\-rente\\\\-effekt og lavere effektiv skattesats. ⢠Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. ⢠Likviditetsfond har svært lav risiko, med en risikovurdering pÃ¥ 1 av 7, og regnes som trygge investeringer. ⢠Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig Ã¥ være oppmerksom pÃ¥ gebyrer og at de ikke omfattes av Bankenes sikringsfond. ⢠Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. ⢠ForbrukerrÃ¥det anbefaler Ã¥ bruke Finansportalen for Ã¥ sammenligne renter og gebyrer før man investerer i rentefond.\\n\\nOppsummeringen er laget av en KI\\\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\\n\\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner pÃ¥ kontoer uten bindingstid, ifølge SSB.\\n\\nBeløpet inkluderer bÃ¥de spare\\\\- og lønnskontoer. I gjennomsnitt var den Ã¥rlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\\n\\nNormalt anbefales det Ã¥ spare i aksjefond dersom sparingen skjer over mange Ã¥r.\\n\\nLikevel er det mange som velger Ã¥ ha betydelige beløp pÃ¥ sparekonto over tid.\\n\\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttÃ¥r gjør rentefond til et godt alternativ til banksparing.\\n\\nSkatten pÃ¥ gevinster i rentefond er lik skatten pÃ¥ vanlig banksparing, 22 prosent.\\n\\nTil sammenligning er skatten pÃ¥ gevinster i aksjefond 37,84 prosent.\\n\\n**â Ja, jeg synes absolutt det. For dette er en mulighet til Ã¥ fÃ¥ litt høyere avkastning, sier han.**\\n\\nInvesteringsdirektør Robert Næss i Nordea.\\n\\nRenten pÃ¥ rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\\n\\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\\n\\n## â I praksis ingen risiko\\n\\nNye skatteregler gjør rentefondene med svært lav risiko, de sÃ¥kalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\\n\\n**â I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlÃ¥n til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\\n\\nPÃ¥ risikoskalaen som brukes for finansielle produkter i EU/EÃS, har Slike rentefond oftest en risikovurdering pÃ¥ 1 av 7, det aller laveste nivÃ¥et.\\n\\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering pÃ¥ 4 av 7.\\n\\n## â Vil bli mer populært\\n\\nâ Du slipper Ã¥ betale skatten løpende hvert Ã¥r. Du betaler skatten pÃ¥ rentene først nÃ¥r du selger fondet. Og hvis du selger fondet etter fem eller ti Ã¥r, sÃ¥ blir dagens verdier av skatten litt lavere enn om du skulle betale hvert Ã¥r, sier Næss.\\n\\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand â og venter at flere nÃ¥ vil velge rentefond i Ã¥ret som kommer.\\n\\nPorteføljeforvalter Joar Hagatun i Kron.\\n\\n**â Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og sÃ¥ blir den nÃ¥ enda litt bedre, i og med at vi fÃ¥r denne utsatte skattefordelen, sier han.**\\n\\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager Ã¥ ta ut sparepengene sine i et likviditetsfond.\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det.\\n\\n## â Viktig Ã¥ være klar over gebyrene\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det rÃ¥der folk som vurderer rentefond som alternativ til banksparing, om Ã¥ orientere seg pÃ¥ [nettsidene til ForbrukerrÃ¥dets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\\n\\n**â Der finner du full oversikt over bÃ¥de historiske renter og ulike gebyrer som er verdt Ã¥ være klar over, sier hun.**\\n\\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.\",\"meta\":{\"Generator\":\"Panorama\",\"apple-mobile-web-app-status-bar-style\":\"#eef5ff\",\"p:domain_verify\":\"ec4318a079405ca7cd9055634d626a64\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"author\":\"Johan B Sættem\",\"msapplication-tap-highlight\":\"no\",\"robots\":\"index,follow\",\"viewport\":\"width=device-width,initial-scale=1.0\",\"msapplication-navbutton-color\":\"#eef5ff\",\"dc.date.issued\":\"2025-12-19\",\"theme-color\":\"#eef5ff\",\"Revisit-after\":\"1 Days\"},\"og\":{\"image:secure_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"site_name\":\"NRK\",\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"type\":\"article\",\"url\":\"https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359\"},\"category\":\"Bank og finans\",\"twitter\":{\"site\":\"@NRKno\",\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"card\":\"summary\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\"},\"is_paywalled\":0,\"image_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"source_updated_at\":\"2025-12-19 16:53:09\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"author\":\"Johan B Sættem\",\"published_at\":\"2025-12-19 04:11:45\",\"keywords\":[],\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\"}",
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text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyhetssenter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyhetssenter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7008\" data-ec-name=\"Norge\" data-ec-variant=\"N/A\" href=\"/norge/\">Norge</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7029\" data-ec-name=\"Urix\" data-ec-variant=\"N/A\" href=\"/urix/\">Urix</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7880\" data-ec-name=\"Debatten\" data-ec-variant=\"N/A\" href=\"/debatten/\">Debatten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7015\" data-ec-name=\"Kultur\" data-ec-variant=\"N/A\" href=\"/kultur/\">Kultur</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7017\" data-ec-name=\"Nyttig\" data-ec-variant=\"N/A\" href=\"/nyttig/\">Nyttig</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7016\" data-ec-name=\"Viten\" data-ec-variant=\"N/A\" href=\"/viten/\">Viten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6837\" data-ec-name=\"Dokumentar\" data-ec-variant=\"N/A\" href=\"/dokumentar/\">Dokumentar</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6831\" data-ec-name=\"Ytring\" data-ec-variant=\"N/A\" href=\"/ytring/\">Ytring</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7375\" data-ec-name=\"NRK Sápmi\" data-ec-variant=\"N/A\" href=\"/sapmi/\">NRK Sápmi</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7427\" data-ec-name=\"NRK Kvensk\" data-ec-variant=\"N/A\" href=\"/kvensk/\">NRK Kvensk</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sportsnyheter\" data-ec-variant=\"N/A\" href=\"/sport/\">Sportsnyheter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7128\" data-ec-name=\"Livesport\" data-ec-variant=\"N/A\" href=\"https://resultater.nrk.no/\">Livesport</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6851\" data-ec-name=\"Sendeplan\" data-ec-variant=\"N/A\" href=\"/sport/sendeplan/\">Sendeplan</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.8030\" data-ec-name=\"Spill\" data-ec-variant=\"N/A\" href=\"/spill/\">Spill</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.13834273\" data-ec-name=\"Quiz\" data-ec-variant=\"N/A\" href=\"/emne/quiz-1.13834273\">Quiz</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17105310\" data-ec-name=\"Former (minispill)\" data-ec-variant=\"N/A\" href=\"/former-1.17105310\">Former</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17073958\" data-ec-name=\"Tvers (minispill)\" data-ec-variant=\"N/A\" href=\"/tvers-1.17073958\">Tvers</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6950\" data-ec-name=\"Agder\" data-ec-variant=\"N/A\" href=\"/sorlandet/\">Agder</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Akershus\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Akershus</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6974\" data-ec-name=\"Buskerud\" data-ec-variant=\"N/A\" href=\"/buskerud/\">Buskerud</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Finnmark\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Finnmark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6944\" data-ec-name=\"Innlandet\" data-ec-variant=\"N/A\" href=\"/innlandet/\">Innlandet</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6946\" data-ec-name=\"M&oslash;re og Romsdal\" data-ec-variant=\"N/A\" href=\"/mr/\">Møre og Romsdal</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6947\" data-ec-name=\"Nordland\" data-ec-variant=\"N/A\" href=\"/nordland/\">Nordland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Oslo\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Oslo</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6948\" data-ec-name=\"Rogaland\" data-ec-variant=\"N/A\" href=\"/rogaland/\">Rogaland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Telemark\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Telemark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Troms\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Troms</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6943\" data-ec-name=\"Tr&oslash;ndelag\" data-ec-variant=\"N/A\" href=\"/trondelag/\">Trøndelag</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Vestfold\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Vestfold</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7623\" data-ec-name=\"Vestland\" data-ec-variant=\"N/A\" href=\"/vestland/\">Vestland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6953\" data-ec-name=\"&Oslash;stfold\" data-ec-variant=\"N/A\" href=\"/ostfold/\">Østfold</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\">Temasider</h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/video/humor/\" data-ec-name=\"NRK Humor\" data-ec-variant=\"N/A\" href=\"/video/humor/\">NRK Humor</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7009\" data-ec-name=\"NRK Mat\" data-ec-variant=\"N/A\" href=\"/mat/\">NRK Mat</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7159\" data-ec-name=\"NRK Skole\" data-ec-variant=\"N/A\" href=\"/skole/\">NRK Skole</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrkbeta.no\" data-ec-name=\"NRKbeta\" data-ec-variant=\"N/A\" href=\"https://www.nrkbeta.no/\">NRKbeta</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/nyinorge/\" data-ec-name=\"Ny i Norge\" data-ec-variant=\"N/A\" href=\"/nyinorge/\">Ny i Norge</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Info\" data-ec-variant=\"N/A\" href=\"https://www.nrk.no/informasjon/\">Info</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://hjelp.nrk.no\" data-ec-name=\"Hjelp\" data-ec-variant=\"N/A\" href=\"https://hjelp.nrk.no/\">Hjelp</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Informasjon\" data-ec-variant=\"N/A\" href=\"/informasjon/\">Informasjon</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/baerekraft\" data-ec-name=\"Bærekraft\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/baerekraft\">Bærekraft</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/karriere\" data-ec-name=\"Karriere\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/karriere/\">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>\n \n </div><div class=\"g100 col fc sAUTO group-reference\"><div class=\"group widget rich menu-bar cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s18 sg6 sg9 sg12 menu-reference\"><!-- include: /serum/render?id=1.11101807&size=18&perspective=RICH&alignment=LEFT -->\n<nav class=\"menu widget rich\">\n<h2 class=\"menu__title skin-text\">\n<a class=\"skin-border\" href=\".\">Norge</a>\n</h2>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--prev skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--next skin-border\">\n<svg aria-hidden=\"true\" 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sg6 sg9 sg12 surrogate-reference\"><!-- include: /serum/render?id=1.7592607&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE --><!-- START: /templates/surrogate/surrogate.jsp -->\n<div class=\"surrogate widget rich container-widget\" data-id=\"1.17690359\">\n<div class=\"g100 col fln s18 sg6 sg9 sg12 article-reference\">\n<!-- include: /serum/render?id=1.17690359&size=18&perspective=RICH&alignment=AUTO&showDescription=false&classes=+surrogate-content --><!-- START: /templates/article/article-rich.jsp -->\n<article class=\"article widget rich surrogate-content container-widget cf js-initialize \" data-id=\"1.17690359\" role=\"main\">\n<div class=\"spacer g5 col fl s1 sl6 sl9 sl12 sl18\"></div>\n<div data-ec-list=\"article_lead\" data-ec-name=\"ingress\">\n<div class=\"g94 col fl s17 sl18 sg6 sg9 sg12 container-widget\">\n<header class=\"container-widget-content article-header\">\n<h1 class=\"title title-large article-title \">Nå får sparekontoen en sterk konkurrent</h1>\n<div class=\"text-body text-body-sans-serif article-lead\">\n<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>\n</div>\n</header>\n<div class=\"g70 col fl s12 sl18 sg6 sg9 article-lead-media \">\n<!-- include: /serum/render?id=1.17666113&size=12&perspective=RICH&alignment=CENTER&caption=Flere+privatpersoner+vil+trolig+investere+i+rentefond+i+tiden+fremover.+&type=image&aspect=F169 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En hånd holder en telefon med en spareapp\" loading=\"eager\" sizes=\"(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n</div>\n<div class=\"article-header-sidebar g22 col fl s4 sl6 sl9 sl12 sl18\" role=\"contentinfo\">\n<div class=\"container-widget-content authors \">\n<!-- include: /serum/render?id=18.8224&size=18&perspective=BRIEF&alignment=AUTO&role=Journalist --><!-- START: /templates/author/author-brief.jsp -->\n<div class=\"author widget brief\">\n<div class=\"author__image\">\n<!-- include: /serum/render?id=1.8117169&size=1&perspective=LEAN&alignment=AUTO&type=image&aspect=F11&title= --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean\">\n<div class=\"responsive-img F11\"><img alt=\"\" loading=\"eager\" sizes=\"(min-width:1180px) 64px, (min-width:720px) 6vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wlXlvBrzfK2RQqQUzZsM8Nw.jpg 80w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wqLhS0q-AYVRQqQUzZsM8Nw.jpg 160w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w_Msxcb8Wz1JQqQUzZsM8Nw.jpg 350w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wWDXGV3_H22RQqQUzZsM8Nw.jpg 450w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w81RsJdum9UBQqQUzZsM8Nw.jpg 650w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wwxobG6yBsNJQqQUzZsM8Nw.jpg 1000w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wKcG_fn2nsdJQqQUzZsM8Nw.jpg 1200w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wkXJ6FtAwiwxQqQUzZsM8Nw.jpg 1600w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wSWmtJ8QBgp5QqQUzZsM8Nw.jpg 2000w\" title=\"\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n<div class=\"author__body\">\n<a class=\"author__name\" href=\"https://www.nrk.no/forfatter/johan-b-saettem-18.8224\" title=\"Gå til personens side\">\nJohan B Sættem\n<span class=\"sr-only\">\n<span> – Journalist</span>\n</span>\n</a>\n<span aria-hidden=\"true\" class=\"author__role\">Journalist</span>\n</div>\n</div>\n<!-- END: /templates/author/author-brief.jsp -->\n\n</div>\n<div class=\"article-dateline article-dateline-header container-widget-content\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:53:09+01:00\">\n19.12.2025, kl. 17.53\n</time></span>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"favorite-button-placeholder__metadata\"></div>\n<div class=\"container-widget-content\">\n<aside class=\"article-metadata--mobile\">\n<div class=\"article-dateline article-dateline--mobile\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:53:09+01:00\">\n19.12.2025, kl. 17.53\n</time></span>\n</div>\n</aside>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"container-widget-content favorite-button-placeholder__sidebar\"></div>\n</div>\n<div class=\"g55 col fl s10 sl12 sl18 sg6 sg9\">\n<div class=\"article-body lp_articlebody text-body text-body-sans-serif container-widget-content nostack cf\" data-ec-list=\"article_body\" data-ec-name=\"brødtekst\" data-main-content>\n<p class=\"article-body--updating\" data-is-updating-article=\"false\" data-last-updated=\"1766163189000\" data-updating-text=\"Saken oppdateres.\"></p>\n<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>\n<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>\n<p>Det er nytt fra 1. januar.</p>\n<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>\n<ul>\n<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>\n<li>Den effektive skattesatsen reduseres.</li>\n</ul>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 fact-reference\" id=\"1.17693192.81f1aa66\"><!-- include: /serum/render?id=1.17693192&size=10&perspective=BRIEF&alignment=CENTER&variant=maximized&parentSize=10 -->\n<aside aria-labelledby=\"fact-1-17693192_title\" class=\" fact widget brief skin-background-50 darkmode-skin-background-900 skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover fact--full\" data-ec-category=\"fact--full\" data-ec-id=\"pp:article:1.17693192\" data-ec-name=\"Saken oppsummert\" data-id=\"1.17693192\" id=\"fact-1-17693192\" role=\"complementary\">\n<h3 class=\"fact__title title\" id=\"fact-1-17693192_title\">Saken oppsummert</h3>\n<button class=\"fact__expand\" data-factid=\"fact-1-17693192\" data-k5a-pos=\"faktaboks\">\n<div class=\"skin-background-100 skin-text-800 darkmode-skin-background-800 darkmode-skin-text-100\">\n<span class=\"show-more-button-text\"></span>\n</div>\n</button>\n<div aria-hidden=\"false\" class=\"fact__body text-body skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover \">\n<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.<br> • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>\n<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>\n</div>\n</aside>\n</div>\n<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>\n<p><!-- include: /serum/render?id=1.17479408&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17479408\" data-ec-name=\"500 milliarder kroner på konto med nullrente\" href=\"https://www.nrk.no/norge/500-milliarder-kroner-pa-konto-med-nullrente-1.17479408\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\n500 milliarder kroner på konto med nullrente\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17484606&size=10&perspective=LEAN&alignment=AUTO&caption=Studentene+Gustav+Lind+Fossen+%28til+venstre%29+og+Birk+Bratt+Petersen.&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"To unge menn sitter på en benk\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w\" title=\"Foto: Kaspara Aavik Stoltze / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\" ec-name=\"2,8 prosent\" href=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\">2,8 prosent</a>.</p>\n<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>\n<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>\n<p><!-- include: /serum/render?id=1.17675562&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17675562\" data-ec-name=\"Mobilen tar over for bankkortet\" href=\"https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nMobilen tar over for bankkortet\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17675888&size=10&perspective=LEAN&alignment=AUTO&caption=Det+er+mange+fleire+som+har+%C2%ABt%C3%A6ppa%C2%BB++telefonen+i+staden+for+kortet+i+%C3%A5r+enn+i+fjor.+&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w\" title=\"Foto: Terje Bendiksby / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>\n<p>Skatten på gevinster i rentefond er lik skatten på vanlig banksparing, 22 prosent.</p>\n<p>Til sammenligning er skatten på gevinster i aksjefond 37,84 prosent.</p>\n<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17690469.58ce2cfe\"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo.\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Investeringsdirektør Robert Næss i Nordea.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>\n<p>Det er betydelig høyere enn en <a ec-id=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\" ec-name=\"gjennomsnittlig sparerente\" href=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\">gjennomsnittlig sparerente</a> i banken.</p>\n<h2>– I praksis ingen risiko</h2>\n<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>\n<p><!-- include: /serum/render?id=1.17607673&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17607673\" data-ec-name=\"Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\" href=\"https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nTalet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17620602&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w\" title=\"Foto: Brynjar Mangor Myrtveit Osgjerd / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>\n<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>\n<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>\n<h2>– Vil bli mer populært</h2>\n<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>\n<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17656789\" data-ec-name=\"Har du noen gang sett denne seddelen?\" href=\"https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nHar du noen gang sett denne seddelen?\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17660065&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en tusenlapp.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w\" title=\"Foto: NTB scanpix\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17665949.58ea5c00\"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En mann med skjegg står inne i Storebrands hovedkontor i Oslo. \" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Porteføljeforvalter Joar Hagatun i Kron.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>\n<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17439769.59068b02\"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Guro Sollien Eriksrud i Forbrukerrådet\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n<figcaption>\n<p class=\"\">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>\n<small>Foto: Håkon Benjaminsen / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<h2>– Viktig å være klar over gebyrene</h2>\n<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id=\"https://www.forbrukerradet.no/fond/likviditetsfond\" ec-name=\"nettsidene til Forbrukerrådets finansportal.\" href=\"https://www.forbrukerradet.no/fond/likviditetsfond\">nettsidene til Forbrukerrådets finansportal.</a></p>\n<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>\n<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>\n</div>\n<div class=\"article-dateline article-footer container-widget-content cf\">\n<span class=\"article-publish-date publish-date publish-date-with-update-date\">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n<span class=\"article-update-date update-date\"><span class=\"article-dateline-annotation\">Oppdatert</span>\n<time class=\"datetime-relative dateModified\" datetime=\"2025-12-19T17:53:09+01:00\">\n19.12.2025, kl. 17.53\n</time></span>\n</div>\n</div>\n<!-- include: /serum/render?id=panorama.singleton.favorittmarkering&size=18&perspective=RICH&alignment=AUTO -->\n <div class=\"min-side\" data-state-id=\"ao842t27qv\" data-static-host=\"https://static.nrk.no/publisering/min-side\"><link href=\"https://static.nrk.no/publisering/min-side/static/0-c2ddc9339a70fac9c76d.css\" rel=\"stylesheet\" type=\"text/css\"><link href=\"https://static.nrk.no/publisering/min-side/static/saveButton-62d288e344506c232def.css\" rel=\"stylesheet\" type=\"text/css\"></div>\n \n<aside class=\"g27 col fl s5 sl6 sl9 sl12 sl18 article-reference article-sidebar lp_related\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=5&perspective=RICH&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11269891\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11269891\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\nBank og finans\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11269891\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17690784\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17690784&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17690784\" data-ec-name=\"Får ikke satt inn kontanter i banken - frivillige fortviler\" data-id=\"1.17690784\" href=\"https://www.nrk.no/innlandet/far-ikke-satt-inn-kontanter-i-banken---frivillige-fortviler-1.17690784\">\n<!-- include: /serum/render?id=1.17692789&size=5&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Et skuffefullt med norske mynter er avbildet. Myntene ligger tettpakket i en metallskuff. Bildet viser både større og mindre mynter i blandet valør. Skuffen er plassert i et hvitt skap. (Bildebeskrivelsen er laget av en KI-tjeneste)\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gPEj3U1hOjgTpijX6d3KDdQ.jpg 80w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCX_YPxCs23TpijX6d3KDdQ.jpg 160w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_grUG-Jpf2tqXpijX6d3KDdQ.jpg 350w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gJUoaTHMZhAfpijX6d3KDdQ.jpg 450w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gx2gLeUKOHPfpijX6d3KDdQ.jpg 650w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gEIQNhtJQPzPpijX6d3KDdQ.jpg 1000w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCtVyd-DWmPjpijX6d3KDdQ.jpg 1200w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gnl96Wu2M61HpijX6d3KDdQ.jpg 1600w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_g-bTfSOw0nrjpijX6d3KDdQ.jpg 2000w\" title=\"Foto: Frode Meskau / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Får ikke satt inn kontanter i banken - frivillige fortviler</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17065305\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17065305&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17065305\" data-ec-name=\"Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.\" data-id=\"1.17065305\" href=\"https://www.nrk.no/norge/dette-betalte-10-av-norges-storste-selskaper-i-skatt.-fra-0-kroner-til-39-milliarder.-1.17065305\">\n<!-- include: /serum/render?id=1.17595164&size=5&perspective=LEAN&alignment=AUTO&caption=Reitan-familien+kontrollerer+dagligvarekjeden+Rema+1000.+Fra+venstre%3A+Ole+Robert+Reitan%2C+Odd+Reitan+og+Magnus+Reitan.+Bildet+ble+under+%C3%A5pningen+av+Nye+Hjorten+Teater+i+Trondheim+i+fjor.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En gruppe mennesker som står sammen\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQFhAS81MwRVpa3wJO_UnXag.jpg 80w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQRZoIg4dQGYta3wJO_UnXag.jpg 160w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOOu-MAiuWqha3wJO_UnXag.jpg 350w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQf9ydUudCU0Na3wJO_UnXag.jpg 450w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQX-LkGYs0SU1a3wJO_UnXag.jpg 650w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQjSmcexUM3OVa3wJO_UnXag.jpg 1000w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQdSujwjaju0Ja3wJO_UnXag.jpg 1200w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQB-IoDLCJhaVa3wJO_UnXag.jpg 1600w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOEvBpm91Dl5a3wJO_UnXag.jpg 2000w\" title=\"Foto: Jan Langhaug / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n<div class=\"container-widget-content pagination nrk-pagination\">\n<button class=\"flow-page-forward nrk-button\" data-id=\"1.11269891?size=5&perspective=BRIEF&alignment=AUTO&display=true&arrangement.offset=3&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE\">\n<span class=\"button-icon\">+</span>\n<span>Vis flere</span>\n</button>\n</div>\n</div>\n\n<!-- END: /templates/universe/universe.jsp -->\n\n<div class=\"article-universe-teaser container-widget-content\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=18&perspective=REFERENCE&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE&classes=article-universe-link+universe-teaser -->\n<a class=\"universe widget reference article-universe-link universe-teaser lp_universe_link\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\n<span>Mer om:</span>\nBank og finans\n</a>\n\n</div>\n</aside>\n</article>\n\n\n</div>\n</div>\n</div><div class=\"g100 col fc s18 sg6 sg9 sg12 remoterenderedcontent-reference\"><!-- include: /serum/render?id=1.13390103&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE -->\n \n <link href=\"https://static.nrk.no/publisering/kurator-visning/assets/elglobo-b35c0b2b.css\" rel=\"stylesheet\">\n \n <div class=\"elglobo lp_relatedglobal\" data-k5a-pos=\"relatedglobal\">\n <div class=\"elglobo__title-wrapper\">\n <h3 class=\"nrk-floor__content__title widget-title skin-border\">NRK anbefaler</h3>\n </div>\n <section class=\"kur-house__main\" data-generated-time=\"2025-12-19T16:56:05.562Z\" data-published-time=\"2025-10-16T08:12:53.042Z\" data-version-id=\"4849058\" id=\"kurator_main\">\n \n <section class=\"kur-floor kur-floor--mix kur-floor--normal\">\n <div class=\"kur-floor__content lp_flow\" data-ec-brand=\"kur:1\" data-ec-list=\"nrkno_elglobo\">\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263332\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263332\" data-ec-id=\"pp:article:1.17680700\" data-ec-name=\"Deler sensitive opplysningar om barna på nett\" data-ec-position=\"1\" lang=\"no\">\n <a href=\"https://www.nrk.no/vestland/barn-blir-eksponerte-med-namn-og-bilete-i-barnevernssaker-1.17680700\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJkw_476uJio2tFWSCjvfdQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QlxwSO50fr3Y2tFWSCjvfdQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qfbwc22yGiCE2tFWSCjvfdQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QJ6R0HxYaCyA2tFWSCjvfdQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QpJYh1X2rm7s2tFWSCjvfdQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QltoQEHXqC3Q2tFWSCjvfdQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTsxn5DcweMQ2tFWSCjvfdQ 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ\" srcset=\"https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qnca8Q3ZsTE9VsJSpAukfJQ 80w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QHL9OWsR8MRVVsJSpAukfJQ 160w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QTp9PYO7nWq5VsJSpAukfJQ 350w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QSOsH7bv_Z4JVsJSpAukfJQ 450w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QGpqYSvk-87hVsJSpAukfJQ 650w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0Qdg4Npl0pQfxVsJSpAukfJQ 1000w, https://gfx.nrk.no/-KT72fRB0kE57Hv8-B9C0QyGusVGD-TY9VsJSpAukfJQ 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--1\">\n <span>\n <small>Foreldre i barnevernssaker:</small> Deler sensitive opplysningar om barna på nett\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263331\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-low kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263331\" data-ec-id=\"pp:article:1.17690395\" data-ec-name=\"– Tror mange ikke er klar over dette\" data-ec-position=\"2\" lang=\"no\">\n <a href=\"https://www.nrk.no/stor-oslo/oskar-hadde-manedskort.-ma-likevel-betale-bot_-1.17690395\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgd1vsS2eUJ3VfRSYnX7g7aw 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJoPXMaW-MUJfRSYnX7g7aw 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgJcF1cY4bw3NfRSYnX7g7aw 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgkWYADxvv_2hfRSYnX7g7aw 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5pvg9n3Oh49fRSYnX7g7aw 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg5cIHX6U772hfRSYnX7g7aw 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg_roVxlzRDQpfRSYnX7g7aw 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg\" srcset=\"https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkglc6DJwkebVX0UIlDApz3sg 80w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkguIJ6_1u-FZ30UIlDApz3sg 160w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg4fHphHtgJ_H0UIlDApz3sg 350w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgx1Gn6v30e9_0UIlDApz3sg 450w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgC_Sj7jeYAsr0UIlDApz3sg 650w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkg54IkAIpKtQH0UIlDApz3sg 1000w, https://gfx.nrk.no/aqgDNym23zKY7mYKYVaIkgp5KiivzL6-v0UIlDApz3sg 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--4\">\n <span>\n <small>Oskar hadde månedskort – fikk likevel bot:</small> <span class=\"kur-nowrap\">– </span>Tror mange ikke er klar over dette\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n </div>\n </section>\n \n </section>\n </div>\n \n \n \n </div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g50 col fl s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.11001879&secondary=1.17690359&size=9&perspective=RICH&alignment=LEFT&head=AKTUELT+N%C3%85&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=1&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=9&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.11001879\" data-relation-limit=\"1\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>AKTUELT NÅ</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations\" data-ec-list=\"pp:article:1.11001879\" data-ec-name=\"nrkno_flow\"><div class=\"g100 col fl s9 sl12 sl18 sg6 compilation-reference relation flow-relation\" data-id=\"1.11661059\" data-reference-id=\"1.11001879.body20959\"><!-- include: /serum/render?id=1.11661059&size=9&perspective=BRIEF&alignment=LEFT&quantity=40 -->\n<div class=\"compilation widget brief plug cf js-initialize lp_compilation\" data-id=\"1.11661059\" data-perspective=\"BRIEF\">\n<a class=\"autonomous\" data-id=\"1.11661059\" href=\"https://www.nrk.no/nyheter/kongefamilien-1.11661059\" title=\"Kongefamilien\">\n<div class=\"compilation-media\">\n<!-- include: /serum/render?id=1.17577488&size=9&perspective=RICH&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Mette-Marit, kronprinsesse av Norge\" loading=\"eager\" sizes=\"(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgln2ehesqvqJbJc-bEukATA.jpg 80w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgenM5T7faVOhbJc-bEukATA.jpg 160w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg5kdhUDy-pWVbJc-bEukATA.jpg 350w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgDLqrR08Yc4RbJc-bEukATA.jpg 450w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgo3fe-y_Bz9RbJc-bEukATA.jpg 650w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgGknO82dEvaFbJc-bEukATA.jpg 1000w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhg3i5ctqRt12pbJc-bEukATA.jpg 1200w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgPUdaSUT6BjRbJc-bEukATA.jpg 1600w, https://gfx.nrk.no/pOxl-2BB5DqUBJcNbBIKhgh-q8kfkwZFlbJc-bEukATA.jpg 2000w\" title=\"Foto: Thomas Andersen / NTB\"></div>\n<figcaption>\n<small>Foto: Thomas Andersen / NTB</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n<div class=\"status-line\">\n<div class=\"status-line-top skin-background\"></div>\n<div class=\"status-line-bottom\"></div>\n</div>\n</div>\n<div class=\"plug-teaser skin-border\">\n<h2 class=\"title\">Kronprinsesse Mette-Marit forberedes på lungetransplantasjon</h2>\n<span class=\"compilation-circle\"></span>\n<span class=\"compilation-link\">Kongefamilien</span>\n<footer class=\"plug-footer\">\n<div class=\"plug-metadata plug-metadata-footer\">\n<span class=\"plug-metadata-icon skin-plug-icon\">\nFølg saken\n</span>\n</div>\n</footer>\n</div>\n</a>\n</div>\n\n</div></div>\n</div>\n</div></div></div><div class=\"g50 col fr s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich lp_newsroomglobo cf container-widget\"><div class=\"g100 col fr s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.12990296&secondary=1.17690359&size=9&perspective=RICH&alignment=RIGHT&head=SISTE+NYTT&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=10&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=AUTO&arrangement.view%5B0%5D.alignment=RIGHT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.12990296\" data-relation-limit=\"10\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>SISTE NYTT</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations flow-content__empty\" data-ec-list=\"pp:article:1.12990296\" data-ec-name=\"nrkno_flow\"></div>\n</div>\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 stream-reference\"><!-- include: /serum/render?id=1.11001867&size=9&perspective=LEAN&alignment=RIGHT&quantity=15 -->\n<section class=\"stream widget lean cf js-initialize js-realtime\" data-id=\"1.11001867\" data-permalink=\"\" data-relation-limit=\"15\" data-relation-perspective=\"REFERENCE\">\n<header class=\"stream-header\">\n<h3 class=\"stream-title\"><time aria-live=\"off\"> </time>Siste meldinger\n</h3></header>\n<ul aria-live=\"polite\" class=\"stream-lean-content relations\">\n<li class=\"stream-item relation\" data-id=\"1.17700758\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700758.1.17700758\" id=\"1.17700758.1.17700758\">\n<!-- include: /serum/render?id=1.17700758&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700758\" href=\"https://www.nrk.no/nyheter/melding-om-knivstikking-i-steinkjer-1.17700758\">\n<time class=\"bulletin-publication-time\">\n17:53\n</time>\nMelding om knivstikking i Steinkjer\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700752\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700752.1.17700752\" id=\"1.17700752.1.17700752\">\n<!-- include: /serum/render?id=1.17700752&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700752\" href=\"https://www.nrk.no/tromsogfinnmark/kan-fangste-342.666-tonn-sild-i-2026-1.17700752\">\n<time class=\"bulletin-publication-time\">\n17:34\n</time>\nKan fangste 342.666 tonn sild i 2026\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700727\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700727.1.17700727\" id=\"1.17700727.1.17700727\">\n<!-- include: /serum/render?id=1.17700727&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700727\" href=\"https://www.nrk.no/nyheter/datatilsynet-advarer_-tiktok-fortsetter-a-sende-personopplysninger-til-kina-1.17700727\">\n<time class=\"bulletin-publication-time\">\n17:32\n</time>\nDatatilsynet advarer: TikTok fortsetter å sende personopplysninger til Kina\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700744\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700744.1.17700744\" id=\"1.17700744.1.17700744\">\n<!-- include: /serum/render?id=1.17700744&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700744\" href=\"https://www.nrk.no/innlandet/bremsa-for-radyr---endte-med-pakjorsel-1.17700744\">\n<time class=\"bulletin-publication-time\">\n17:17\n</time>\nBremsa for rådyr - endte med påkjørsel\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700714\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700714.1.17700714\" id=\"1.17700714.1.17700714\">\n<!-- include: /serum/render?id=1.17700714&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700714\" href=\"https://www.nrk.no/innlandet/ti-personer-involvert-i-frontkollisjon-i-tynset-1.17700714\">\n<time class=\"bulletin-publication-time\">\n17:03\n</time>\nTi personer involvert i frontkollisjon i Tynset\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700717\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700717.1.17700717\" id=\"1.17700717.1.17700717\">\n<!-- include: /serum/render?id=1.17700717&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700717\" href=\"https://www.nrk.no/nyheter/apoteka-kan-levere-ut-medisinar-pa-resept-igjen-1.17700717\">\n<time class=\"bulletin-publication-time\">\n16:52\n</time>\nApoteka kan levere ut medisinar på resept igjen\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700696\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700696.1.17700696\" id=\"1.17700696.1.17700696\">\n<!-- include: /serum/render?id=1.17700696&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700696\" href=\"https://www.nrk.no/nyheter/vil-ta-betalt-for-inngang-til-trevi-fontena-1.17700696\">\n<time class=\"bulletin-publication-time\">\n16:47\n</time>\nVil ta betalt for inngang til Trevi-fontena\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700613\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700613.1.17700613\" id=\"1.17700613.1.17700613\">\n<!-- include: /serum/render?id=1.17700613&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700613\" href=\"https://www.nrk.no/nyheter/vil-la-pst-etterforske-alvorlig-kriminalitet-bredere-1.17700613\">\n<time class=\"bulletin-publication-time\">\n16:25\n</time>\nVil la PST etterforske alvorlig kriminalitet bredere\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700533\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700533.1.17700533\" id=\"1.17700533.1.17700533\">\n<!-- include: /serum/render?id=1.17700533&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700533\" href=\"https://www.nrk.no/tromsogfinnmark/kongekrabbekvoten-i-2026_-_-ein-kraftig-reduksjon-1.17700533\">\n<time class=\"bulletin-publication-time\">\n16:14\n</time>\nKongekrabbekvoten i 2026: – Ein kraftig reduksjon\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700499\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700499.1.17700499\" id=\"1.17700499.1.17700499\">\n<!-- include: /serum/render?id=1.17700499&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700499\" href=\"https://www.nrk.no/vestfoldogtelemark/brann-i-kjoretoy-i-tonsberg-_-vei-stengt-1.17700499\">\n<time class=\"bulletin-publication-time\">\n15:29\n</time>\nBrann i kjøretøy i Tønsberg – vei stengt\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700560\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700560.1.17700560\" id=\"1.17700560.1.17700560\">\n<!-- include: /serum/render?id=1.17700560&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700560\" href=\"https://www.nrk.no/nyheter/over-500-menneske-redda-ved-kreta-1.17700560\">\n<time class=\"bulletin-publication-time\">\n15:28\n</time>\nOver 500 menneske redda ved Kreta\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700517\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700517.1.17700517\" id=\"1.17700517.1.17700517\">\n<!-- include: /serum/render?id=1.17700517&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700517\" href=\"https://www.nrk.no/nyheter/who_-over-1000-pasienter-dode-i-gaza-1.17700517\">\n<time class=\"bulletin-publication-time\">\n15:05\n</time>\nWHO: Over 1000 pasienter døde i Gaza\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700491\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700491.1.17700491\" id=\"1.17700491.1.17700491\">\n<!-- include: /serum/render?id=1.17700491&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700491\" href=\"https://www.nrk.no/innlandet/glamdalen_-to-i-kongsvinger-drapet-loslatt-1.17700491\">\n<time class=\"bulletin-publication-time\">\n14:59\n</time>\nGlåmdalen: To i Kongsvinger-drapet løslatt\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700493\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700493.1.17700493\" id=\"1.17700493.1.17700493\">\n<!-- include: /serum/render?id=1.17700493&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700493\" href=\"https://www.nrk.no/nyheter/ingen-apotek-far-delt-ut-medisiner-pa-resept-1.17700493\">\n<time class=\"bulletin-publication-time\">\n14:42\n</time>\nIngen apotek får delt ut medisiner på resept\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17700485\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17700485.1.17700485\" id=\"1.17700485.1.17700485\">\n<!-- include: /serum/render?id=1.17700485&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17700485\" href=\"https://www.nrk.no/nyheter/russer-siktet-i-israel-for-a-ha-spionert-for-iran-1.17700485\">\n<time class=\"bulletin-publication-time\">\n14:32\n</time>\nRusser siktet i Israel for å ha spionert for Iran\n</a>\n</span>\n\n</li>\n</ul>\n</section>\n\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 singleton-reference\"><!-- include: /serum/render?id=1.11263327&size=9&perspective=RICH&alignment=RIGHT -->\n<div class=\"stream-lean-footer\">\n<a class=\"stream-lean-exit\" href=\"https://www.nrk.no/nyheter/\" target=\"_parent\">Følg nyhetsbildet <span>akkurat nå</span></a>\n<svg aria-hidden=\"true\" class=\"arrow-right\" role=\"presentation\" shape-rendering=\"auto\" viewbox=\"0 0 9 23\">\n<g fill=\"none\" fill-rule=\"evenodd\">\n<path d=\"M2 2l5 9.723L2 21\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"2\"></path>\n</g>\n</svg>\n</div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 universe-reference\"><!-- include: /serum/render?id=1.11264150&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE&caption=Norge&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=3&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=6&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11264150\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11264150\" href=\"https://www.nrk.no/norge/norge-1.11264150\">\nNorge\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11264150\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17700625\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17700625&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17700625\" data-ec-name=\"Norsk 19-åring knyttes til flere voldsoppdrag denne høsten\" data-id=\"1.17700625\" href=\"https://www.nrk.no/norge/norsk-19-aring-knyttes-til-flere-voldsoppdrag-denne-hosten-1.17700625\">\n<!-- include: /serum/render?id=1.17643359&size=6&perspective=LEAN&alignment=AUTO&caption=Kriminalteknikere+gj%C3%B8r+unders%C3%B8kelser+etter+skytingen+p%C3%A5+H%C3%B8ybr%C3%A5ten+i+november&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En dør og en laserstråle\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSw2LpM8kfWcP0DHH6E0gdYIg.jpg 80w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSw8ynFHs5M7noDHH6E0gdYIg.jpg 160w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwBl0CzTKMWHIDHH6E0gdYIg.jpg 350w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwlppZuzP5SfgDHH6E0gdYIg.jpg 450w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwr_FEmH00Ez0DHH6E0gdYIg.jpg 650w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwu1RiJYTajUsDHH6E0gdYIg.jpg 1000w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwNEggs6EvoakDHH6E0gdYIg.jpg 1200w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwAvchErLPbMEDHH6E0gdYIg.jpg 1600w, https://gfx.nrk.no/O0vHxJgXlehZDRfVHvqGSwPiAHwd5JMMIDHH6E0gdYIg.jpg 2000w\" title=\"Foto: Hans O. Torgersen\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Norsk 19-åring knyttes til flere voldsoppdrag denne høsten</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17699895\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17699895&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17699895\" data-ec-name=\"Daværende sametingspresident visste at de «pressa noen grenser» da de brøt Grunnloven\" data-id=\"1.17699895\" href=\"https://www.nrk.no/sapmi/davaerende-sametingspresident-visste-at-de-_pressa-noen-grenser_-da-de-brot-grunnloven-1.17699895\">\n<!-- include: 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https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QrltaI4noznWfb6Qnsbj0sQ.jpg 1000w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QZh_-rsSerkGfb6Qnsbj0sQ.jpg 1200w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QTMrY-axinmGfb6Qnsbj0sQ.jpg 1600w, https://gfx.nrk.no/LGCrb1A1Ci0Zk6D0tP-X3QqY35o498oz2fb6Qnsbj0sQ.jpg 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Daværende sametingspresident visste at de «pressa noen grenser» da de brøt Grunnloven</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17698603\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17698603&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default 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https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwWijSrTKU1uC1KTFMB6M6NA.jpg 450w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwUFssbf86OLC1KTFMB6M6NA.jpg 650w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwahQ7nPpGo5a1KTFMB6M6NA.jpg 1000w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwZWYvm3DYavS1KTFMB6M6NA.jpg 1200w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwYGPL5tYMYgq1KTFMB6M6NA.jpg 1600w, https://gfx.nrk.no/P4a0q4budZD9r1Ujg4tSmwlr3iGSQmrwK1KTFMB6M6NA.jpg 2000w\" title=\"Foto: Karina Haug\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Den store juleguiden: Dette skjer i Sápmi</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n</div>\n<!-- END: /templates/universe/universe.jsp -->\n</div></div></div><div class=\"g100 col fln sAUTO footer-reference\"><!-- include: /serum/render?id=1.12592700&size=18&perspective=RICH&alignment=AUTO --><link 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2.59019L23.2967 5.9183L22.5706 5.66428L22.5949 5.26757L22.593 5.26668ZM22.629 4.6734L22.7178 3.22117L21.8813 4.4122L22.629 4.6743V4.6734Z\" fill=\"currentColor\"></path><path d=\"M25.203 3.38181L25.8368 3.77852L25.6824 6.08702L26.764 4.35923L27.3554 4.72902L25.6843 7.39922L25.0505 7.00251L25.2049 4.69401L24.1233 6.42269L23.5319 6.05291L25.203 3.38269V3.38181Z\" fill=\"currentColor\"></path><path d=\"M26.6598 6.87147L27.184 7.3777C26.9461 7.62362 26.9452 7.90366 27.175 8.12536C27.3688 8.31294 27.5672 8.3282 27.7198 8.17023C27.8545 8.03111 27.8518 7.89109 27.7261 7.61285L27.4711 7.05996C27.2764 6.65247 27.324 6.29256 27.6085 5.99727C27.9936 5.59875 28.5635 5.63735 29.0553 6.11215C29.5535 6.59414 29.6119 7.1946 29.19 7.6308L28.6658 7.12459C28.8686 6.91457 28.8713 6.69107 28.6676 6.49451C28.4961 6.32846 28.3113 6.31949 28.1803 6.45502C28.0582 6.58157 28.0708 6.74313 28.2063 7.05009L28.4378 7.56169C28.6327 7.98803 28.5725 8.33628 28.2781 8.64055C27.8688 9.06419 27.2728 9.02111 26.7711 8.53643C26.2146 7.9988 26.1689 7.37859 26.6588 6.87059L26.6598 6.87147Z\" fill=\"currentColor\"></path><path d=\"M30.2087 7.38576L30.6602 8.02571L29.2188 9.83965L31.4124 9.09201L31.8638 9.73195L28.6792 10.6816L28.244 10.0632L30.2106 7.38397L30.2087 7.38576Z\" fill=\"currentColor\"></path><path d=\"M30.2724 12.8707L29.8093 11.8556L29.4161 11.9157L29.0967 11.2156L32.4058 10.8781L32.7101 11.5459L30.2886 13.8284L29.969 13.1283L30.2724 12.8716V12.8707ZM30.7248 12.4856L31.8332 11.5441L30.3953 11.7649L30.7238 12.4856H30.7248Z\" fill=\"currentColor\"></path><path d=\"M31.7219 15.7266L30.8621 16.4789L30.6872 15.6692L31.4357 15.0006L31.3549 14.6263L30.5014 14.8112L30.3469 14.0985L33.4273 13.4325L33.711 14.7439C33.8501 15.3865 33.4839 15.9492 32.8368 16.0893C32.388 16.1862 31.9742 16.0408 31.7219 15.7266ZM31.9355 14.5015L32.0415 14.9898C32.1034 15.2761 32.3728 15.4341 32.6805 15.3677C32.9884 15.3012 33.1679 15.0454 33.106 14.76L33.0001 14.2717L31.9355 14.5024V14.5015Z\" fill=\"currentColor\"></path><path clip-rule=\"evenodd\" d=\"M24.8682 22.6243L17.8342 8.61631V20.3482C18.7111 20.4972 19.3789 21.26 19.3789 22.1792C19.3789 23.2051 18.5477 24.0361 17.5219 24.0361C16.496 24.0361 15.6649 23.2051 15.6649 22.1792C15.6649 21.26 16.3335 20.4963 17.2104 20.3482V8.61452L10.162 22.6647V29.1037C12.2676 30.5048 14.796 31.3225 17.5156 31.3225C20.2351 31.3225 22.7716 30.503 24.8791 29.0975L24.8682 22.6253V22.6243Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></g><defs><clippath id=\"clip0_2360_8744\"><rect fill=\"white\" height=\"34\" transform=\"translate(0.5 0.933334)\" width=\"34\"></rect></clippath></defs></svg></a></div><a class=\"nrkno-footer__newstip-link inline-flex justify-between m-auto bg-core-blue-200 dark:bg-core-blue-600 dark:text-core-blue-950 mobile:w-auto tablet:w-full max-w-[17rem] mt-4 py-4 px-6 rounded-full items-center decoration-none\" href=\"https://www.nrk.no/03030/\"><span class=\"font-bold mr-7 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aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent 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clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Kontakt</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Hjelp<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" 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"source_updated_at" : "2025-12-19 16:53:09",
"summary" : "Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.",
"tags" : null,
"title" : "Nå får sparekontoen en sterk konkurrent",
"twitter_title" : "Nå får sparekontoen en sterk konkurrent",
"version" : 2
}
Version 1
2025-12-19 04:44:57
Nå får sparekontoen en sterk konkurrent
NEW
Author: Johan B Sættem
Published: 2025-12-19 04:11:45
Updated: 2025-12-19 04:11:45
Category: Bank og finans
📝 Summary
Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.
📄 Full Content (4385 chars)
Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.
Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.
Det er nytt fra 1. januar.
Endringen gir to fordeler som øker lønnsomheten over tid:
- Den utsatte skatten fører til en rentes-rente-effekt på sparingen.
- Den effektive skattesatsen reduseres.
Saken oppsummert
• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats. • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.
Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.
Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.
Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten 2,8 prosent.
Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.
Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.
Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.
– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.
Investeringsdirektør Robert Næss i Nordea.
Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.
Det er betydelig høyere enn en gjennomsnittlig sparerente i banken.
– I praksis ingen risiko
Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.
– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.
På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.
Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.
– Vil bli mer populært
– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.
Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.
Porteføljeforvalter Joar Hagatun i Kron.
– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.
Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.
– Viktig å være klar over gebyrene
Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på nettsidene til Forbrukerrådets finansportal.
– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.
Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.
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7c.016-.29.11-.57.27-.811.067-.113.191-.313.371-.6s.392-.628.634-1.023c.242-.394.488-.797.736-1.208l.7-1.158.736-1.2h4.326L30.94 6.46a1.08 1.08 0 0 0-.17.54c.012.202.083.396.204.558Z"></path></svg></a><button aria-expanded="false" aria-label="Meny" class="nrkno-header__menu-button appearance-none bg-transparent items-center justify-center border-none cursor-pointer inline-flex h-[3.75rem] w-[3.75rem] p-0 text-current tablet:hidden ml-auto" id="nrkno-menu-button"><svg aria-hidden="true" class="w-6 h-6" focusable="false" height="24" viewbox="0 0 24 24" width="24"><g fill-rule="evenodd"><rect class="fill-current transition duration-150" height="2" width="20" x="2" y="4"></rect><rect class="fill-current transition duration-100" height="2" width="20" x="2" y="11"></rect><rect class="fill-current transition duration-150" height="2" width="20" x="2" y="18"></rect></g></svg></button><nav aria-labelledby="nrkno-menu-button" class="nrkno-header__nav order-3 bg-inherit w-full z-[2] flex lt-tablet:hidden tablet:inline tablet:static tablet:align-top lt-tablet:flex-col lt-tablet:absolute lt-tablet:top-[100%]" data-ec-list="nrkno-meny" data-ec-name="nrkno-header"><div class="nrkno-header__nav-inner-wrapper bg-core-blue-900 text-core-blue-50 text-[0.9rem] h-10 leading-10 overflow-x-auto text-center tablet:absolute tablet:left-0 tablet:top-0 tablet:w-full"><ul class="nrkno-header__apps-list flex min-w-[20rem] py-0 justify-around list-none items-center tablet:max-w-[40rem] m-auto tablet:!m-auto" role="list"><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://tv.nrk.no/" data-ec-name="NRK TV" data-ec-variant="N/A" href="https://tv.nrk.no/">NRK TV</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://radio.nrk.no/" data-ec-name="NRK Radio" data-ec-variant="N/A" href="https://radio.nrk.no/">NRK Radio</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://nrksuper.no" data-ec-name="NRK Super" data-ec-variant="N/A" href="https://nrksuper.no">NRK Super</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://p3.no" data-ec-name="NRK P3" data-ec-variant="N/A" href="https://p3.no">NRK P3</a></li><li class="nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]" role="listitem"><a class="nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4" data-ec-id="https://yr.no" data-ec-name="Yr" data-ec-variant="N/A" href="https://yr.no">Yr</a></li></ul></div><ul class="nrkno-header__promoted-categories-list lt-tablet:hidden tablet:inline list-none m-0 p-0" role="list"><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.6892" data-ec-name="Nyheter" data-ec-variant="N/A" href="/nyheter/">Nyheter</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.6852" data-ec-name="Sport" data-ec-variant="N/A" href="/sport/">Sport</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:2.7015" data-ec-name="Kultur" data-ec-variant="N/A" href="/kultur/">Kultur</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="https://www.nrk.no/video/humor/" data-ec-name="Humor" data-ec-variant="N/A" href="/video/humor/">Humor</a></li><li class="nrkno-header__promoted-categories-list-item inline my-0 mx-1" role="listitem"><a class="nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></li></ul><button aria-controls="nrkno-header__mega" aria-expanded="false" class="nrkno-header__mega-menu-expand-button tablet:inline-flex lt-tablet:hidden font-600 text-current cursor-pointer leading-normal ml-1 py-[0.375rem] px-[0.75rem] align-baseline hover:opacity-70 transition-all" id="nrkno-header-megamenu-btn">Mer<span class="text-[0.6rem] ml-1.5 self-center"><svg aria-hidden="true" class="transform fill-current pointer-events-none align-middle" focusable="false" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path d="M4 10.88l8 5.6 8-5.6V9l-8 5.6L4 9v1.88z" fill="currentColor"></path></svg><span></span></span></button><div aria-labelledby="nrkno-header-megamenu-btn" class="nrkno-header__mega-menu dark:bg-core-blue-900 dark:text-core-blue-50 animate-nrk-header-fade tablet:shadow-sm leading-normal overflow-hidden tablet:absolute left-0 w-full z-2 order-2 bg-white text-core-blue-950 dark:bg-core-blue-950 tablet:hidden lt-tablet:block" id="nrkno-header__mega"><div class="nrkno-header__mega-menu-outer-wrapper bg-inherit clear-both text-inherit [display:table] m-auto max-w-[1190px] w-full px-4 tablet:px-5"><div class="nrkno-header__mega-menu-inner-wrapper lt-tablet:inline tablet:flex tablet:-ml-5"><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 lt-tablet:border-t dark:lt-tablet:border-t-transparent tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:2.6892" data-ec-name="Nyheter" data-ec-variant="N/A" href="/nyheter/">Nyheter</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6892" data-ec-name="Nyhetssenter" data-ec-variant="N/A" href="/nyheter/">Nyhetssenter</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7008" data-ec-name="Norge" data-ec-variant="N/A" href="/norge/">Norge</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7029" data-ec-name="Urix" data-ec-variant="N/A" href="/urix/">Urix</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7880" data-ec-name="Debatten" data-ec-variant="N/A" href="/debatten/">Debatten</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7015" data-ec-name="Kultur" data-ec-variant="N/A" href="/kultur/">Kultur</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7017" data-ec-name="Nyttig" data-ec-variant="N/A" href="/nyttig/">Nyttig</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7016" data-ec-name="Viten" data-ec-variant="N/A" href="/viten/">Viten</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6837" data-ec-name="Dokumentar" data-ec-variant="N/A" href="/dokumentar/">Dokumentar</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6831" data-ec-name="Ytring" data-ec-variant="N/A" href="/ytring/">Ytring</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7375" data-ec-name="NRK Sápmi" data-ec-variant="N/A" href="/sapmi/">NRK Sápmi</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7427" data-ec-name="NRK Kvensk" data-ec-variant="N/A" href="/kvensk/">NRK Kvensk</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:2.6852" data-ec-name="Sport" data-ec-variant="N/A" href="/sport/">Sport</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6852" data-ec-name="Sportsnyheter" data-ec-variant="N/A" href="/sport/">Sportsnyheter</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7128" data-ec-name="Livesport" data-ec-variant="N/A" href="https://resultater.nrk.no/">Livesport</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6851" data-ec-name="Sendeplan" data-ec-variant="N/A" href="/sport/sendeplan/">Sendeplan</a></li></ul><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!"><a class="decoration-none! border-b-none! !mt-12 color-body!" data-ec-id="pp:2.8030" data-ec-name="Spill" data-ec-variant="N/A" href="/spill/">Spill</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.13834273" data-ec-name="Quiz" data-ec-variant="N/A" href="/emne/quiz-1.13834273">Quiz</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17105310" data-ec-name="Former (minispill)" data-ec-variant="N/A" href="/former-1.17105310">Former</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:1.17073958" data-ec-name="Tvers (minispill)" data-ec-variant="N/A" href="/tvers-1.17073958">Tvers</a></li></ul></div><div class="nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2"><h2 class="decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!"><a class="decoration-none! border-b-none! mt-0 color-body!" data-ec-id="pp:distrikt/" data-ec-name="Distrikt" data-ec-variant="N/A" href="/distrikt/">Distrikt</a></h2><ul class="gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2" role="list"><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6950" data-ec-name="Agder" data-ec-variant="N/A" href="/sorlandet/">Agder</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6954" data-ec-name="Akershus" data-ec-variant="N/A" href="/stor-oslo/">Akershus</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6974" data-ec-name="Buskerud" data-ec-variant="N/A" href="/buskerud/">Buskerud</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.7611" data-ec-name="Finnmark" data-ec-variant="N/A" href="/tromsogfinnmark/">Finnmark</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6944" data-ec-name="Innlandet" data-ec-variant="N/A" href="/innlandet/">Innlandet</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" data-ec-id="pp:2.6946" data-ec-name="M&oslash;re og Romsdal" data-ec-variant="N/A" href="/mr/">Møre og Romsdal</a></li><li class="animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]" role="listitem"><a class="block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!" 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<h1 class="title title-large article-title ">Nå får sparekontoen en sterk konkurrent</h1>
<div class="text-body text-body-sans-serif article-lead">
<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>
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<div class="responsive-img F169"><img alt="En hånd holder en telefon med en spareapp" loading="eager" sizes="(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
<figcaption>
<p class="">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>
<small>Foto: Johan B. Sættem / NRK</small>
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<a class="author__name" href="https://www.nrk.no/forfatter/johan-b-saettem-18.8224" title="Gå til personens side">
Johan B Sættem
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<span> – Journalist</span>
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<span class="article-dateline-annotation">Publisert</span>
<time class="datetime-absolute datePublished" datetime="2025-12-19T05:11:45+01:00">
19.12.2025, kl. 05.11
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<span class="article-dateline-annotation">Publisert</span>
<time class="datetime-absolute datePublished" datetime="2025-12-19T05:11:45+01:00">
19.12.2025, kl. 05.11
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<p class="article-body--updating" data-is-updating-article="false" data-last-updated="1766117505000" data-updating-text="Saken oppdateres."></p>
<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>
<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>
<p>Det er nytt fra 1. januar.</p>
<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>
<ul>
<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>
<li>Den effektive skattesatsen reduseres.</li>
</ul>
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<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.<br> • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>
<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>
</div>
</aside>
</div>
<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17479408" data-ec-name="500 milliarder kroner på konto med nullrente" href="https://www.nrk.no/norge/500-milliarder-kroner-pa-konto-med-nullrente-1.17479408">
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<figure class="image widget lean plug-image lazy-load">
<div class="responsive-img F169"><img alt="To unge menn sitter på en benk" loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w" title="Foto: Kaspara Aavik Stoltze / NRK"></div>
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</div>
</a>
</div>
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<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id="https://www.ssb.no/statbank/table/11019/tableViewLayout1/" ec-name="2,8 prosent" href="https://www.ssb.no/statbank/table/11019/tableViewLayout1/">2,8 prosent</a>.</p>
<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>
<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>
<p><!-- include: /serum/render?id=1.17675562&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17675562" data-ec-name="Mobilen tar over for bankkortet" href="https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562">
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<small class="kicker skin-text-700 darkmode-skin-text-300">Les også</small>
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Mobilen tar over for bankkortet
</span>
</h2>
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<div class="thumbnail-container">
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<div class="responsive-img F169"><img alt="Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w" title="Foto: Terje Bendiksby / NTB"></div>
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<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>
<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17690469.58ce2cfe"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo." loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
<figcaption>
<p class="">Investeringsdirektør Robert Næss i Nordea.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>
<p>Det er betydelig høyere enn en <a ec-id="https://www.forbrukerradet.no/finansportalen/bank/innskudd" ec-name="gjennomsnittlig sparerente" href="https://www.forbrukerradet.no/finansportalen/bank/innskudd">gjennomsnittlig sparerente</a> i banken.</p>
<h2>– I praksis ingen risiko</h2>
<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17607673" data-ec-name="Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp" href="https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673">
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Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp
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<div class="responsive-img F169"><img alt="Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w" title="Foto: Brynjar Mangor Myrtveit Osgjerd / NRK"></div>
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</a>
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<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>
<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>
<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>
<h2>– Vil bli mer populært</h2>
<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>
<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->
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<a class="link__container link__container--with-thumbnail autonomous forward-navigation" data-ec-category="SMALL_THUMBNAIL" data-ec-id="pp:article:1.17656789" data-ec-name="Har du noen gang sett denne seddelen?" href="https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789">
<div class="heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100">
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Har du noen gang sett denne seddelen?
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<svg class="thumbnail-overlay skin-text-50 darkmode-skin-text-900" fill="none" height="101" viewbox="0 0 38 101" xmlns="http://www.w3.org/2000/svg">
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<div class="responsive-img F169"><img alt="Et nærbilde av en tusenlapp." loading="lazy" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w" title="Foto: NTB scanpix"></div>
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</a>
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<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17665949.58ea5c00"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="En mann med skjegg står inne i Storebrands hovedkontor i Oslo. " loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w" title="Foto: Johan B. Sættem / NRK"></div>
<figcaption>
<p class="">Porteføljeforvalter Joar Hagatun i Kron.</p>
<small>Foto: Johan B. Sættem / NRK</small>
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</figure>
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<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>
<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>
<div class="g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169" id="1.17439769.59068b02"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->
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<div class="responsive-img F169"><img alt="Guro Sollien Eriksrud i Forbrukerrådet" loading="eager" sizes="(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" srcset="https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w" title="Foto: Håkon Benjaminsen / NRK"></div>
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<p class="">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>
<small>Foto: Håkon Benjaminsen / NRK</small>
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<h2>– Viktig å være klar over gebyrene</h2>
<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id="https://www.forbrukerradet.no/fond/likviditetsfond" ec-name="nettsidene til Forbrukerrådets finansportal." href="https://www.forbrukerradet.no/fond/likviditetsfond">nettsidene til Forbrukerrådets finansportal.</a></p>
<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>
<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>
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<time class="datetime-absolute datePublished" datetime="2025-12-19T05:11:45+01:00">
19.12.2025, kl. 05.11
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Bank og finans
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<picture>
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<img sizes="(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw" src="https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg" srcset="https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg 80w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAxe_XSZF7xAzgPyhWmuqZOg 160w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOBCTWt_7VBzgPyhWmuqZOg 350w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA6zMCEvbO8PDgPyhWmuqZOg 450w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7WHc82pEItbgPyhWmuqZOg 650w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7AuAN1ZfcJngPyhWmuqZOg 1000w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAy8KQSZq2ypTgPyhWmuqZOg 1200w" title="">
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<small>NRK avslørte svindlere:</small> Nå slår Google til mot dem
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<a class="autonomous" data-id="1.12696739" href="https://www.nrk.no/mr/age-hareide-1.12696739" title="Åge Hareide">
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<h2 class="title">Kjell Inge Røkke: – Visjonær, venn og inspirator</h2>
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01:12
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Børshopp i USA
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00:54
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Syv menn pågrepet etter Bondi Beach-angrepet
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00:31
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Nascar-fører blant de døde i flystyrt i USA
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00:03
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Kjell Inge Røkke: – Visjonær, venn og inspirator
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23:56
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Joshua King: – En legende
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23:45
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Ola By Rise: – Har virkelig satt spor etter seg
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23:40
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Carl Erik Torp: – Har betydd mye
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23:33
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Arild Stavrum: – Ordentlig tungt
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23:23
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Arne Scheie: – En av de aller største trenerne
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23:13
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Kasper Schmeichel: – Gjør vondt i hjertet
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23:06
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Ole Gunnar Solskjær: – Har betydd mye for meg
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22:58
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«Affeksjonsverdi» blant Obamas favoritter
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text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Delta i NRK-programmer</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/stilling/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Jobb i NRK</a></li><li 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1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Brukerstøtte</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/tilgjengelighet/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Tilgjengelighet</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden tablet:block !mb-1 text-sm font-bold uppercase">Hjelp</h3><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" 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decoration-none" href="https://info.nrk.no/personvernerklaering/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Personvern</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://info.nrk.no/informasjonskapsler/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></div></div><div class="nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column"><div class="block tablet:hidden"><u-details class="nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md" name="nrkno-footer-colophon-details"><u-summary class="nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md">Tjenester<span class="ml-auto text-core-blue-500 text-xs"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z" fill="currentColor" fill-rule="evenodd"></path></svg></span></u-summary><ul class="p-0 m-0 list-none"><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm 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0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Eksterne produksjoner</a></li><li class="nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800"><a class="flex items-center hover:text-core-blue-600 decoration-none" href="https://www.nrk.no/retningslinjer/"><span class="mr-1 hidden tablet:flex text-core-blue-600 text-[10px]"><svg aria-hidden="true" height="1.500em" viewbox="0 0 24 24" width="1.500em"><path clip-rule="evenodd" d="M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z" fill="currentColor" fill-rule="evenodd"></path></svg></span>Retningslinjer og design</a></li></ul></u-details></div><div class="hidden tablet:block"><h3 class="hidden 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{
"article_id" : 45285,
"author" : "Johan B Sættem",
"category" : "Bank og finans",
"change_type" : "new",
"content" : "Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\n\nÅrsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.\n\nDet er nytt fra 1. januar.\n\nEndringen gir to fordeler som øker lønnsomheten over tid:\n\n- Den utsatte skatten fører til en rentes\\-rente\\-effekt på sparingen.\n- Den effektive skattesatsen reduseres.\n\n### Saken oppsummert\n\n• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\-rente\\-effekt og lavere effektiv skattesats. • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer. • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond. • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.\n\nOppsummeringen er laget av en KI\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\n\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.\n\nBeløpet inkluderer både spare\\- og lønnskontoer. I gjennomsnitt var den årlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\n\nNormalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.\n\nLikevel er det mange som velger å ha betydelige beløp på sparekonto over tid.\n\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.\n\n**– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.**\n\nInvesteringsdirektør Robert Næss i Nordea.\n\nRenten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\n\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\n\n## – I praksis ingen risiko\n\nNye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\n\n**– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\n\nPå risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.\n\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.\n\n## – Vil bli mer populært\n\n– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.\n\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.\n\nPorteføljeforvalter Joar Hagatun i Kron.\n\n**– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.**\n\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.\n\n## – Viktig å være klar over gebyrene\n\nForbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på [nettsidene til Forbrukerrådets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\n\n**– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.**\n\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.",
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"metadata" : "{\"og\":{\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"url\":\"https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359\",\"type\":\"article\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"image:secure_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"site_name\":\"NRK\"},\"meta\":{\"Generator\":\"Panorama\",\"p:domain_verify\":\"ec4318a079405ca7cd9055634d626a64\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"apple-mobile-web-app-status-bar-style\":\"#eef5ff\",\"author\":\"Johan B Sættem\",\"msapplication-tap-highlight\":\"no\",\"robots\":\"index,follow\",\"viewport\":\"width=device-width,initial-scale=1.0\",\"msapplication-navbutton-color\":\"#eef5ff\",\"dc.date.issued\":\"2025-12-19\",\"theme-color\":\"#eef5ff\",\"Revisit-after\":\"1 Days\"},\"content\":\"Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.\\n\\nÃ
rsaken er at skatten fra nyttÃ¥r skal betales etter at fondsandelene er solgt.\\n\\nDet er nytt fra 1. januar.\\n\\nEndringen gir to fordeler som øker lønnsomheten over tid:\\n\\n- Den utsatte skatten fører til en rentes\\\\-rente\\\\-effekt pÃ¥ sparingen.\\n- Den effektive skattesatsen reduseres.\\n\\n### Saken oppsummert\\n\\n⢠Nye skatteregler fra 2026 gjør at skatt pÃ¥ renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes\\\\-rente\\\\-effekt og lavere effektiv skattesats. ⢠Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter. ⢠Likviditetsfond har svært lav risiko, med en risikovurdering pÃ¥ 1 av 7, og regnes som trygge investeringer. ⢠Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig Ã¥ være oppmerksom pÃ¥ gebyrer og at de ikke omfattes av Bankenes sikringsfond. ⢠Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart. ⢠ForbrukerrÃ¥det anbefaler Ã¥ bruke Finansportalen for Ã¥ sammenligne renter og gebyrer før man investerer i rentefond.\\n\\nOppsummeringen er laget av en KI\\\\-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.\\n\\nNorske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner pÃ¥ kontoer uten bindingstid, ifølge SSB.\\n\\nBeløpet inkluderer bÃ¥de spare\\\\- og lønnskontoer. I gjennomsnitt var den Ã¥rlige sparerenten [2,8 prosent](https://www.ssb.no/statbank/table/11019/tableViewLayout1/).\\n\\nNormalt anbefales det Ã¥ spare i aksjefond dersom sparingen skjer over mange Ã¥r.\\n\\nLikevel er det mange som velger Ã¥ ha betydelige beløp pÃ¥ sparekonto over tid.\\n\\nInvesteringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttÃ¥r gjør rentefond til et godt alternativ til banksparing.\\n\\n**â Ja, jeg synes absolutt det. For dette er en mulighet til Ã¥ fÃ¥ litt høyere avkastning, sier han.**\\n\\nInvesteringsdirektør Robert Næss i Nordea.\\n\\nRenten pÃ¥ rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.\\n\\nDet er betydelig høyere enn en [gjennomsnittlig sparerente](https://www.forbrukerradet.no/finansportalen/bank/innskudd) i banken.\\n\\n## â I praksis ingen risiko\\n\\nNye skatteregler gjør rentefondene med svært lav risiko, de sÃ¥kalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.\\n\\n**â I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlÃ¥n til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.**\\n\\nPÃ¥ risikoskalaen som brukes for finansielle produkter i EU/EÃS, har Slike rentefond oftest en risikovurdering pÃ¥ 1 av 7, det aller laveste nivÃ¥et.\\n\\nTil sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering pÃ¥ 4 av 7.\\n\\n## â Vil bli mer populært\\n\\nâ Du slipper Ã¥ betale skatten løpende hvert Ã¥r. Du betaler skatten pÃ¥ rentene først nÃ¥r du selger fondet. Og hvis du selger fondet etter fem eller ti Ã¥r, sÃ¥ blir dagens verdier av skatten litt lavere enn om du skulle betale hvert Ã¥r, sier Næss.\\n\\nJoar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand â og venter at flere nÃ¥ vil velge rentefond i Ã¥ret som kommer.\\n\\nPorteføljeforvalter Joar Hagatun i Kron.\\n\\n**â Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og sÃ¥ blir den nÃ¥ enda litt bedre, i og med at vi fÃ¥r denne utsatte skattefordelen, sier han.**\\n\\nMens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager Ã¥ ta ut sparepengene sine i et likviditetsfond.\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det.\\n\\n## â Viktig Ã¥ være klar over gebyrene\\n\\nForbrukerøkonom Guro Sollien Eriksrud i ForbrukerrÃ¥det rÃ¥der folk som vurderer rentefond som alternativ til banksparing, om Ã¥ orientere seg pÃ¥ [nettsidene til ForbrukerrÃ¥dets finansportal.](https://www.forbrukerradet.no/fond/likviditetsfond)\\n\\n**â Der finner du full oversikt over bÃ¥de historiske renter og ulike gebyrer som er verdt Ã¥ være klar over, sier hun.**\\n\\nMens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.\",\"schema\":{\"microdata\":{\"contentUrl\":\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw\",\"thumbnailUrl\":\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg\"}},\"raw_feed_item\":\"<item>\\r\\n <title>NÃ¥ fÃ¥r sparekontoen en sterk konkurrent</title>\\r\\n <link>https://www.nrk.no/norge/na-far-sparekontoen-en-sterk-konkurrent-1.17690359</link>\\r\\n <description>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</description>\\r\\n <category>Bank og finans</category>\\r\\n <pubDate>Fri, 19 Dec 2025 04:11:45 GMT</pubDate>\\r\\n <guid isPermaLink=\\\"false\\\">1.17690359</guid>\\r\\n <dc:creator>Johan B Sættem</dc:creator>\\r\\n <dc:date>2025-12-19T04:11:45Z</dc:date>\\r\\n <media:content medium=\\\"image\\\" type=\\\"image/jpeg\\\" url=\\\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MraWgyV7HOkMQ.jpg\\\">\\r\\n <media:credit role=\\\"photographer\\\" scheme=\\\"urn:ebu\\\">Johan B. Sættem/NRK</media:credit>\\r\\n <media:title>En hÃ¥nd holder en telefon med en spareapp</media:title>\\r\\n </media:content>\\r\\n </item>\",\"twitter\":{\"image\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"site\":\"@NRKno\",\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"card\":\"summary\"},\"category\":\"Bank og finans\",\"title\":\"NÃ¥ fÃ¥r sparekontoen en sterk konkurrent\",\"source_updated_at\":\"2025-12-19 04:11:45\",\"image_url\":\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg\",\"is_paywalled\":0,\"description\":\"Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.\",\"keywords\":[],\"published_at\":\"2025-12-19 04:11:45\",\"author\":\"Johan B Sættem\"}",
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"published_at" : "2025-12-19 04:11:45",
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2.41 2.41 0 0 1 3.278-.862c.356.21.653.506.862.862.215.363.326.778.321 1.2a2.35 2.35 0 0 1-.321 1.208 2.4 2.4 0 0 1-.862.87 2.3 2.3 0 0 1-1.2.322Zm2.99 7.436v-12h3.938v12h-3.937Zm8.923-5.442c.01.012.095.15.253.414s.364.602.617 1.014a314.615 314.615 0 0 1 1.597 2.62c.247.41.529.876.845 1.394H29.96c-.27-.44-.516-.837-.736-1.192-.22-.355-.453-.738-.7-1.149-.248-.41-.493-.81-.736-1.2-.242-.389-.45-.73-.625-1.022-.175-.293-.296-.49-.363-.592A1.747 1.747 0 0 1 26.513 7c.016-.29.11-.57.27-.811.067-.113.191-.313.371-.6s.392-.628.634-1.023c.242-.394.488-.797.736-1.208l.7-1.158.736-1.2h4.326L30.94 6.46a1.08 1.08 0 0 0-.17.54c.012.202.083.396.204.558Z\"></path></svg></a><button aria-expanded=\"false\" aria-label=\"Meny\" class=\"nrkno-header__menu-button appearance-none bg-transparent items-center justify-center border-none cursor-pointer inline-flex h-[3.75rem] w-[3.75rem] p-0 text-current tablet:hidden ml-auto\" id=\"nrkno-menu-button\"><svg aria-hidden=\"true\" class=\"w-6 h-6\" focusable=\"false\" height=\"24\" viewbox=\"0 0 24 24\" width=\"24\"><g fill-rule=\"evenodd\"><rect class=\"fill-current transition duration-150\" height=\"2\" width=\"20\" x=\"2\" y=\"4\"></rect><rect class=\"fill-current transition duration-100\" height=\"2\" width=\"20\" x=\"2\" y=\"11\"></rect><rect class=\"fill-current transition duration-150\" height=\"2\" width=\"20\" x=\"2\" y=\"18\"></rect></g></svg></button><nav aria-labelledby=\"nrkno-menu-button\" class=\"nrkno-header__nav order-3 bg-inherit w-full z-[2] flex lt-tablet:hidden tablet:inline tablet:static tablet:align-top lt-tablet:flex-col lt-tablet:absolute lt-tablet:top-[100%]\" data-ec-list=\"nrkno-meny\" data-ec-name=\"nrkno-header\"><div class=\"nrkno-header__nav-inner-wrapper bg-core-blue-900 text-core-blue-50 text-[0.9rem] h-10 leading-10 overflow-x-auto text-center tablet:absolute tablet:left-0 tablet:top-0 tablet:w-full\"><ul class=\"nrkno-header__apps-list flex min-w-[20rem] py-0 justify-around list-none items-center tablet:max-w-[40rem] m-auto tablet:!m-auto\" role=\"list\"><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://tv.nrk.no/\" data-ec-name=\"NRK TV\" data-ec-variant=\"N/A\" href=\"https://tv.nrk.no/\">NRK TV</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://radio.nrk.no/\" data-ec-name=\"NRK Radio\" data-ec-variant=\"N/A\" href=\"https://radio.nrk.no/\">NRK Radio</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://nrksuper.no\" data-ec-name=\"NRK Super\" data-ec-variant=\"N/A\" href=\"https://nrksuper.no\">NRK Super</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://p3.no\" data-ec-name=\"NRK P3\" data-ec-variant=\"N/A\" href=\"https://p3.no\">NRK P3</a></li><li class=\"nrkno-header__apps-list-item inline-block my-0 mx-[0.3125rem]\" role=\"listitem\"><a class=\"nrkno-header__apps-link block font-extralight no-underline text-current min-w-[44px] tablet:px-4 hover:underline -outline-offset-4\" data-ec-id=\"https://yr.no\" data-ec-name=\"Yr\" data-ec-variant=\"N/A\" href=\"https://yr.no\">Yr</a></li></ul></div><ul class=\"nrkno-header__promoted-categories-list lt-tablet:hidden tablet:inline list-none m-0 p-0\" role=\"list\"><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyheter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyheter</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:2.7015\" data-ec-name=\"Kultur\" data-ec-variant=\"N/A\" href=\"/kultur/\">Kultur</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"https://www.nrk.no/video/humor/\" data-ec-name=\"Humor\" data-ec-variant=\"N/A\" href=\"/video/humor/\">Humor</a></li><li class=\"nrkno-header__promoted-categories-list-item inline my-0 mx-1\" role=\"listitem\"><a class=\"nrkno-header__promoted-categories-link rounded-[3px] text-current inline-block font-600 leading-normal py-[0.375rem] px-[0.75rem] no-underline hover:opacity-70 transition-all\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></li></ul><button aria-controls=\"nrkno-header__mega\" aria-expanded=\"false\" class=\"nrkno-header__mega-menu-expand-button tablet:inline-flex lt-tablet:hidden font-600 text-current cursor-pointer leading-normal ml-1 py-[0.375rem] px-[0.75rem] align-baseline hover:opacity-70 transition-all\" id=\"nrkno-header-megamenu-btn\">Mer<span class=\"text-[0.6rem] ml-1.5 self-center\"><svg aria-hidden=\"true\" class=\"transform fill-current pointer-events-none align-middle\" focusable=\"false\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path d=\"M4 10.88l8 5.6 8-5.6V9l-8 5.6L4 9v1.88z\" fill=\"currentColor\"></path></svg><span></span></span></button><div aria-labelledby=\"nrkno-header-megamenu-btn\" class=\"nrkno-header__mega-menu dark:bg-core-blue-900 dark:text-core-blue-50 animate-nrk-header-fade tablet:shadow-sm leading-normal overflow-hidden tablet:absolute left-0 w-full z-2 order-2 bg-white text-core-blue-950 dark:bg-core-blue-950 tablet:hidden lt-tablet:block\" id=\"nrkno-header__mega\"><div class=\"nrkno-header__mega-menu-outer-wrapper bg-inherit clear-both text-inherit [display:table] m-auto max-w-[1190px] w-full px-4 tablet:px-5\"><div class=\"nrkno-header__mega-menu-inner-wrapper lt-tablet:inline tablet:flex tablet:-ml-5\"><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 lt-tablet:border-t dark:lt-tablet:border-t-transparent tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyheter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyheter</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6892\" data-ec-name=\"Nyhetssenter\" data-ec-variant=\"N/A\" href=\"/nyheter/\">Nyhetssenter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7008\" data-ec-name=\"Norge\" data-ec-variant=\"N/A\" href=\"/norge/\">Norge</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7029\" data-ec-name=\"Urix\" data-ec-variant=\"N/A\" href=\"/urix/\">Urix</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7880\" data-ec-name=\"Debatten\" data-ec-variant=\"N/A\" href=\"/debatten/\">Debatten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7015\" data-ec-name=\"Kultur\" data-ec-variant=\"N/A\" href=\"/kultur/\">Kultur</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7017\" data-ec-name=\"Nyttig\" data-ec-variant=\"N/A\" href=\"/nyttig/\">Nyttig</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7016\" data-ec-name=\"Viten\" data-ec-variant=\"N/A\" href=\"/viten/\">Viten</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6837\" data-ec-name=\"Dokumentar\" data-ec-variant=\"N/A\" href=\"/dokumentar/\">Dokumentar</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6831\" data-ec-name=\"Ytring\" data-ec-variant=\"N/A\" href=\"/ytring/\">Ytring</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7375\" data-ec-name=\"NRK Sápmi\" data-ec-variant=\"N/A\" href=\"/sapmi/\">NRK Sápmi</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7427\" data-ec-name=\"NRK Kvensk\" data-ec-variant=\"N/A\" href=\"/kvensk/\">NRK Kvensk</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sport\" data-ec-variant=\"N/A\" href=\"/sport/\">Sport</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6852\" data-ec-name=\"Sportsnyheter\" data-ec-variant=\"N/A\" href=\"/sport/\">Sportsnyheter</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7128\" data-ec-name=\"Livesport\" data-ec-variant=\"N/A\" href=\"https://resultater.nrk.no/\">Livesport</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6851\" data-ec-name=\"Sendeplan\" data-ec-variant=\"N/A\" href=\"/sport/sendeplan/\">Sendeplan</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.8030\" data-ec-name=\"Spill\" data-ec-variant=\"N/A\" href=\"/spill/\">Spill</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.13834273\" data-ec-name=\"Quiz\" data-ec-variant=\"N/A\" href=\"/emne/quiz-1.13834273\">Quiz</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17105310\" data-ec-name=\"Former (minispill)\" data-ec-variant=\"N/A\" href=\"/former-1.17105310\">Former</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:1.17073958\" data-ec-name=\"Tvers (minispill)\" data-ec-variant=\"N/A\" href=\"/tvers-1.17073958\">Tvers</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-2\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\"><a class=\"decoration-none! border-b-none! mt-0 color-body!\" data-ec-id=\"pp:distrikt/\" data-ec-name=\"Distrikt\" data-ec-variant=\"N/A\" href=\"/distrikt/\">Distrikt</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6950\" data-ec-name=\"Agder\" data-ec-variant=\"N/A\" href=\"/sorlandet/\">Agder</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Akershus\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Akershus</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6974\" data-ec-name=\"Buskerud\" data-ec-variant=\"N/A\" href=\"/buskerud/\">Buskerud</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Finnmark\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Finnmark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6944\" data-ec-name=\"Innlandet\" data-ec-variant=\"N/A\" href=\"/innlandet/\">Innlandet</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6946\" data-ec-name=\"M&oslash;re og Romsdal\" data-ec-variant=\"N/A\" href=\"/mr/\">Møre og Romsdal</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6947\" data-ec-name=\"Nordland\" data-ec-variant=\"N/A\" href=\"/nordland/\">Nordland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6954\" data-ec-name=\"Oslo\" data-ec-variant=\"N/A\" href=\"/stor-oslo/\">Oslo</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6948\" data-ec-name=\"Rogaland\" data-ec-variant=\"N/A\" href=\"/rogaland/\">Rogaland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Telemark\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Telemark</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7611\" data-ec-name=\"Troms\" data-ec-variant=\"N/A\" href=\"/tromsogfinnmark/\">Troms</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6943\" data-ec-name=\"Tr&oslash;ndelag\" data-ec-variant=\"N/A\" href=\"/trondelag/\">Trøndelag</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7617\" data-ec-name=\"Vestfold\" data-ec-variant=\"N/A\" href=\"/vestfoldogtelemark/\">Vestfold</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7623\" data-ec-name=\"Vestland\" data-ec-variant=\"N/A\" href=\"/vestland/\">Vestland</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.6953\" data-ec-name=\"&Oslash;stfold\" data-ec-variant=\"N/A\" href=\"/ostfold/\">Østfold</a></li></ul></div><div class=\"nrkno-header__mega-menu-category animate-nrk-header-fade px-0 pt-[1.875rem] pb-[1.75rem] tablet:pl-5 dark:tablet:border-l-core-blue-800 tablet:border-l tablet:flex-1\"><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase mt-0 color-body!\">Temasider</h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/video/humor/\" data-ec-name=\"NRK Humor\" data-ec-variant=\"N/A\" href=\"/video/humor/\">NRK Humor</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7009\" data-ec-name=\"NRK Mat\" data-ec-variant=\"N/A\" href=\"/mat/\">NRK Mat</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7159\" data-ec-name=\"NRK Skole\" data-ec-variant=\"N/A\" href=\"/skole/\">NRK Skole</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrkbeta.no\" data-ec-name=\"NRKbeta\" data-ec-variant=\"N/A\" href=\"https://www.nrkbeta.no/\">NRKbeta</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://www.nrk.no/nyinorge/\" data-ec-name=\"Ny i Norge\" data-ec-variant=\"N/A\" href=\"/nyinorge/\">Ny i Norge</a></li></ul><h2 class=\"decoration-none! text-[0.8125rem] font-bold tracking-widest !mb-3 uppercase !mt-12 color-body!\"><a class=\"decoration-none! border-b-none! !mt-12 color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Info\" data-ec-variant=\"N/A\" href=\"https://www.nrk.no/informasjon/\">Info</a></h2><ul class=\"gap-x-5 list-none p-0 -ml-4 tablet:-ml-5 tablet:columns-1 mobile:columns-2\" role=\"list\"><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://hjelp.nrk.no\" data-ec-name=\"Hjelp\" data-ec-variant=\"N/A\" href=\"https://hjelp.nrk.no/\">Hjelp</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"pp:2.7002\" data-ec-name=\"Informasjon\" data-ec-variant=\"N/A\" href=\"/informasjon/\">Informasjon</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/baerekraft\" data-ec-name=\"Bærekraft\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/baerekraft\">Bærekraft</a></li><li class=\"animate-[nrk-header-fade_0.5s_50ms_backwards] break-inside-avoid align-middle tablet:min-w-[9rem]\" role=\"listitem\"><a class=\"block text-[0.9375em] font-light leading-[1.6] border-b-none! opacity-80 py-2! px-4 tablet:px-5 dark:hover:animate-nrk-header-link-hover-dark hover:animate-nrk-header-link-hover color-body!\" data-ec-id=\"https://info.nrk.no/karriere\" data-ec-name=\"Karriere\" data-ec-variant=\"N/A\" href=\"https://info.nrk.no/karriere/\">Karriere</a></li></ul></div></div></div></div></nav></header></div></nrkno-header>\n \n </div><div class=\"g100 col fc sAUTO group-reference\"><div class=\"group widget rich menu-bar cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s18 sg6 sg9 sg12 menu-reference\"><!-- include: /serum/render?id=1.11101807&size=18&perspective=RICH&alignment=LEFT -->\n<nav class=\"menu widget rich\">\n<h2 class=\"menu__title skin-text\">\n<a class=\"skin-border\" href=\".\">Norge</a>\n</h2>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--prev skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<div aria-hidden=\"true\" class=\"menu__scroller menu__scroller--next skin-border\">\n<svg aria-hidden=\"true\" class=\"icon\" role=\"presentation\">\n<use xlink:href=\"#nrk-chevron-right\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"></use>\n</svg>\n</div>\n<ul class=\"menu__list\" id=\"mitfMYB9b7TB-Twt0kA85JEg\">\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6892\" href=\"https://www.nrk.no/nyheter/\">\nSiste nytt\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6837\" href=\"https://www.nrk.no/dokumentar/\">\nDokumentar\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.7058\" href=\"https://www.nrk.no/klima/\">\nKlima\n</a>\n</li>\n<li class=\"menu__item\">\n<a class=\"menu__link skin-border-hover\" data-id=\"2.6831\" href=\"https://www.nrk.no/ytring/\">\nNRK Ytring\n</a>\n</li>\n</ul>\n</nav>\n\n</div></div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fc s18 sg6 sg9 sg12 surrogate-reference\"><!-- include: /serum/render?id=1.7592607&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE --><!-- START: /templates/surrogate/surrogate.jsp -->\n<div class=\"surrogate widget rich container-widget\" data-id=\"1.17690359\">\n<div class=\"g100 col fln s18 sg6 sg9 sg12 article-reference\">\n<!-- include: /serum/render?id=1.17690359&size=18&perspective=RICH&alignment=AUTO&showDescription=false&classes=+surrogate-content --><!-- START: /templates/article/article-rich.jsp -->\n<article class=\"article widget rich surrogate-content container-widget cf js-initialize \" data-id=\"1.17690359\" role=\"main\">\n<div class=\"spacer g5 col fl s1 sl6 sl9 sl12 sl18\"></div>\n<div data-ec-list=\"article_lead\" data-ec-name=\"ingress\">\n<div class=\"g94 col fl s17 sl18 sg6 sg9 sg12 container-widget\">\n<header class=\"container-widget-content article-header\">\n<h1 class=\"title title-large article-title \">Nå får sparekontoen en sterk konkurrent</h1>\n<div class=\"text-body text-body-sans-serif article-lead\">\n<p>Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.</p>\n</div>\n</header>\n<div class=\"g70 col fl s12 sl18 sg6 sg9 article-lead-media \">\n<!-- include: /serum/render?id=1.17666113&size=12&perspective=RICH&alignment=CENTER&caption=Flere+privatpersoner+vil+trolig+investere+i+rentefond+i+tiden+fremover.+&type=image&aspect=F169 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En hånd holder en telefon med en spareapp\" loading=\"eager\" sizes=\"(min-width:1180px) 767px, (min-width:720px) 67vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gwSVwcwzM4BgwU54sGB4Kxg.jpg 80w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5ggcn8DD17CjgwU54sGB4Kxg.jpg 160w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gXeP5xQoIzTQwU54sGB4Kxg.jpg 350w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5g5EeiFcaP-YUwU54sGB4Kxg.jpg 450w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gAOKQL_wdk04wU54sGB4Kxg.jpg 650w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gESPM-k-UvJowU54sGB4Kxg.jpg 1000w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gdQJmqn9x-MowU54sGB4Kxg.jpg 1200w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gtHCk2a_7Oa4wU54sGB4Kxg.jpg 1600w, https://gfx.nrk.no/77iv6-T9Q_1VTb-15tJF5gPtzEK8V8-TowU54sGB4Kxg.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Flere privatpersoner vil trolig investere i rentefond i tiden fremover. </p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n</div>\n<div class=\"article-header-sidebar g22 col fl s4 sl6 sl9 sl12 sl18\" role=\"contentinfo\">\n<div class=\"container-widget-content authors \">\n<!-- include: /serum/render?id=18.8224&size=18&perspective=BRIEF&alignment=AUTO&role=Journalist --><!-- START: /templates/author/author-brief.jsp -->\n<div class=\"author widget brief\">\n<div class=\"author__image\">\n<!-- include: /serum/render?id=1.8117169&size=1&perspective=LEAN&alignment=AUTO&type=image&aspect=F11&title= --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean\">\n<div class=\"responsive-img F11\"><img alt=\"\" loading=\"eager\" sizes=\"(min-width:1180px) 64px, (min-width:720px) 6vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wlXlvBrzfK2RQqQUzZsM8Nw.jpg 80w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wqLhS0q-AYVRQqQUzZsM8Nw.jpg 160w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w_Msxcb8Wz1JQqQUzZsM8Nw.jpg 350w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wWDXGV3_H22RQqQUzZsM8Nw.jpg 450w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2w81RsJdum9UBQqQUzZsM8Nw.jpg 650w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wwxobG6yBsNJQqQUzZsM8Nw.jpg 1000w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wKcG_fn2nsdJQqQUzZsM8Nw.jpg 1200w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wkXJ6FtAwiwxQqQUzZsM8Nw.jpg 1600w, https://gfx.nrk.no/H5P9E1K_KtkNIB3HlhQo2wSWmtJ8QBgp5QqQUzZsM8Nw.jpg 2000w\" title=\"\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n<div class=\"author__body\">\n<a class=\"author__name\" href=\"https://www.nrk.no/forfatter/johan-b-saettem-18.8224\" title=\"Gå til personens side\">\nJohan B Sættem\n<span class=\"sr-only\">\n<span> – Journalist</span>\n</span>\n</a>\n<span aria-hidden=\"true\" class=\"author__role\">Journalist</span>\n</div>\n</div>\n<!-- END: /templates/author/author-brief.jsp -->\n\n</div>\n<div class=\"article-dateline article-dateline-header container-widget-content\">\n<span class=\"article-publish-date publish-date \">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"favorite-button-placeholder__metadata\"></div>\n<div class=\"container-widget-content\">\n<aside class=\"article-metadata--mobile\">\n<div class=\"article-dateline article-dateline--mobile\">\n<span class=\"article-publish-date publish-date \">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n</div>\n</aside>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"g11 col fl s2 sl6 sl9 sl12 sl18\">\n<div class=\"container-widget-content favorite-button-placeholder__sidebar\"></div>\n</div>\n<div class=\"g55 col fl s10 sl12 sl18 sg6 sg9\">\n<div class=\"article-body lp_articlebody text-body text-body-sans-serif container-widget-content nostack cf\" data-ec-list=\"article_body\" data-ec-name=\"brødtekst\" data-main-content>\n<p class=\"article-body--updating\" data-is-updating-article=\"false\" data-last-updated=\"1766117505000\" data-updating-text=\"Saken oppdateres.\"></p>\n<p>Nye skatteregler i statsbudsjettet for 2026 gjør sparing i rentefond over tid mer lønnsomt enn før.</p>\n<p>Årsaken er at skatten fra nyttår skal betales etter at fondsandelene er solgt.</p>\n<p>Det er nytt fra 1. januar.</p>\n<p>Endringen gir to fordeler som øker lønnsomheten over tid:</p>\n<ul>\n<li>Den utsatte skatten fører til en rentes-rente-effekt på sparingen.</li>\n<li>Den effektive skattesatsen reduseres.</li>\n</ul>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 fact-reference\" id=\"1.17693192.81f1aa66\"><!-- include: /serum/render?id=1.17693192&size=10&perspective=BRIEF&alignment=CENTER&variant=maximized&parentSize=10 -->\n<aside aria-labelledby=\"fact-1-17693192_title\" class=\" fact widget brief skin-background-50 darkmode-skin-background-900 skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover fact--full\" data-ec-category=\"fact--full\" data-ec-id=\"pp:article:1.17693192\" data-ec-name=\"Saken oppsummert\" data-id=\"1.17693192\" id=\"fact-1-17693192\" role=\"complementary\">\n<h3 class=\"fact__title title\" id=\"fact-1-17693192_title\">Saken oppsummert</h3>\n<button class=\"fact__expand\" data-factid=\"fact-1-17693192\" data-k5a-pos=\"faktaboks\">\n<div class=\"skin-background-100 skin-text-800 darkmode-skin-background-800 darkmode-skin-text-100\">\n<span class=\"show-more-button-text\"></span>\n</div>\n</button>\n<div aria-hidden=\"false\" class=\"fact__body text-body skin-text-950 skin-anchor-child-700 skin-anchor-child-800--hover darkmode-skin-text-50 darkmode-skin-anchor-child-200 darkmode-skin-anchor-child-300--hover \">\n<p>• Nye skatteregler fra 2026 gjør at skatt på renteinntekter fra rentefond utsettes til fondsandelene selges. Det gir rentes-rente-effekt og lavere effektiv skattesats.<br> • Likviditetsfond kan gi høyere avkastning enn sparekontoer, med renter nær 5 %. Det er betydelig høyere enn gjennomsnittlige sparerenter.<br> • Likviditetsfond har svært lav risiko, med en risikovurdering på 1 av 7, og regnes som trygge investeringer.<br> • Rentefond kan bli mer populære som et alternativ til banksparing,. Det er viktig å være oppmerksom på gebyrer og at de ikke omfattes av Bankenes sikringsfond.<br> • Uttak fra rentefond tar noen dager, i motsetning til sparekonto hvor pengene er tilgjengelige umiddelbart.<br> • Forbrukerrådet anbefaler å bruke Finansportalen for å sammenligne renter og gebyrer før man investerer i rentefond.</p>\n<p>Oppsummeringen er laget av en KI-tjeneste fra OpenAI. Innholdet er kvalitetssikret av NRKs journalister før publisering.</p>\n</div>\n</aside>\n</div>\n<p>Norske privatpersoner hadde ved utgangen av oktober 1540 milliarder kroner på kontoer uten bindingstid, ifølge SSB.</p>\n<p><!-- include: /serum/render?id=1.17479408&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17479408\" data-ec-name=\"500 milliarder kroner på konto med nullrente\" href=\"https://www.nrk.no/norge/500-milliarder-kroner-pa-konto-med-nullrente-1.17479408\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\n500 milliarder kroner på konto med nullrente\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17484606&size=10&perspective=LEAN&alignment=AUTO&caption=Studentene+Gustav+Lind+Fossen+%28til+venstre%29+og+Birk+Bratt+Petersen.&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"To unge menn sitter på en benk\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAoCawxCHyxTm17hOp58MSoA.jpg 80w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA-yqwWOYyq9m17hOp58MSoA.jpg 160w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tABYbkD9JX6L617hOp58MSoA.jpg 350w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA4FByhK7_i-u17hOp58MSoA.jpg 450w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAhXYoKFi0Xnm17hOp58MSoA.jpg 650w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA31SSyYlci9K17hOp58MSoA.jpg 1000w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tA8LG-QMmKZYG17hOp58MSoA.jpg 1200w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tAX3vl1zwjBHG17hOp58MSoA.jpg 1600w, https://gfx.nrk.no/97G4MhdCEGtzOkufYR-7tALEsBKNGJYEu17hOp58MSoA.jpg 2000w\" title=\"Foto: Kaspara Aavik Stoltze / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Beløpet inkluderer både spare- og lønnskontoer. I gjennomsnitt var den årlige sparerenten <a ec-id=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\" ec-name=\"2,8 prosent\" href=\"https://www.ssb.no/statbank/table/11019/tableViewLayout1/\">2,8 prosent</a>.</p>\n<p>Normalt anbefales det å spare i aksjefond dersom sparingen skjer over mange år.</p>\n<p>Likevel er det mange som velger å ha betydelige beløp på sparekonto over tid.</p>\n<p><!-- include: /serum/render?id=1.17675562&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17675562\" data-ec-name=\"Mobilen tar over for bankkortet\" href=\"https://www.nrk.no/buskerud/halvparten-av-befolkninga-i-noreg-bruker-mobilen-til-a-betale-i-butikken-i-staden-for-kortet-1.17675562\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nMobilen tar over for bankkortet\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17675888&size=10&perspective=LEAN&alignment=AUTO&caption=Det+er+mange+fleire+som+har+%C2%ABt%C3%A6ppa%C2%BB++telefonen+i+staden+for+kortet+i+%C3%A5r+enn+i+fjor.+&type=image&aspect=F169&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en hånd holder en mobiltelefon som viser et Eurocard i betalingsappen. Ved siden av ligger en bankterminal med et beløp som skal betales. Omgivelsene er en brun bordplate.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwo5AxM8OqT2BWzHfDGvS43w.jpg 80w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw8Txgp3qi1VJWzHfDGvS43w.jpg 160w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwyic0tI4DR-NWzHfDGvS43w.jpg 350w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwwm54CgqdmwZWzHfDGvS43w.jpg 450w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwTICzb9Zp4_lWzHfDGvS43w.jpg 650w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwknde0L1PVFBWzHfDGvS43w.jpg 1000w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIw9qWQW19acEtWzHfDGvS43w.jpg 1200w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwb-bA8_VxBDpWzHfDGvS43w.jpg 1600w, https://gfx.nrk.no/OkbdA8W7ck_r5ISqtp9GIwl9KJQXuo_-5WzHfDGvS43w.jpg 2000w\" title=\"Foto: Terje Bendiksby / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Investeringsdirektør Robert Næss i Nordea mener endringene som kommer fra nyttår gjør rentefond til et godt alternativ til banksparing.</p>\n<p><strong>– Ja, jeg synes absolutt det. For dette er en mulighet til å få litt høyere avkastning, sier han.</strong></p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17690469.58ce2cfe\"><!-- include: /serum/render?id=1.17690469&size=10&perspective=RICH&alignment=CENTER&caption=Investeringsdirekt%C3%B8r+Robert+N%C3%A6ss+i+Nordea.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Investeringsdirektør Robert Næss står i fellesområdet i Nordeas hovedkontor på Majorstua i Oslo.\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ_r2G93kcvCrDW6UCsgfx0Q.jpg 80w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQG_xPbZ4jX6nDW6UCsgfx0Q.jpg 160w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ8xE9Y_RcZgLDW6UCsgfx0Q.jpg 350w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQWNWm554sIZ_DW6UCsgfx0Q.jpg 450w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ07I5VWFeaBnDW6UCsgfx0Q.jpg 650w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQ5V0FBsuAP5rDW6UCsgfx0Q.jpg 1000w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQqGPb26ucmarDW6UCsgfx0Q.jpg 1200w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQe1ZOrhbHf6fDW6UCsgfx0Q.jpg 1600w, https://gfx.nrk.no/oVs1VR51JMSPa1VOsEQRoQAWM8zXh5HazDW6UCsgfx0Q.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Investeringsdirektør Robert Næss i Nordea.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p>Renten på rentefondene med lavest risiko har over tid ligget nær 5 prosent. Noen over, og noen under. Det viser Finansportalens oversikt.</p>\n<p>Det er betydelig høyere enn en <a ec-id=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\" ec-name=\"gjennomsnittlig sparerente\" href=\"https://www.forbrukerradet.no/finansportalen/bank/innskudd\">gjennomsnittlig sparerente</a> i banken.</p>\n<h2>– I praksis ingen risiko</h2>\n<p>Nye skatteregler gjør rentefondene med svært lav risiko, de såkalte likviditetsfondene, til et godt alternativ til en sparekonto i banken.</p>\n<p><!-- include: /serum/render?id=1.17607673&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17607673\" data-ec-name=\"Talet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\" href=\"https://www.nrk.no/nordland/talet-pa-minibankar-nesten-halvert-pa-tolv-ar_-_-det-er-synd-1.17607673\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nTalet på minibankar nesten halvert på tolv år: – Det stoppar heilt opp\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17620602&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Adrian Olsen som står i en butikk på Norsk Fiskeværmuseum.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYBc-ekvyyG_QKT_TxWjT3g.jpg 80w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAGDbNOTTOAEzQKT_TxWjT3g.jpg 160w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQA_dPPxfycdifQKT_TxWjT3g.jpg 350w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAyanLtrBjQPjQKT_TxWjT3g.jpg 450w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAR3t8wK5e8AnQKT_TxWjT3g.jpg 650w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAj6ToT3qLJ0bQKT_TxWjT3g.jpg 1000w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQASSOGJob0Ur3QKT_TxWjT3g.jpg 1200w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAYw-VL5MbkWHQKT_TxWjT3g.jpg 1600w, https://gfx.nrk.no/_m0hA9sZMGO_P_A4jhPqQAthcoq783mUjQKT_TxWjT3g.jpg 2000w\" title=\"Foto: Brynjar Mangor Myrtveit Osgjerd / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p><strong>– I praksis regner vi med at det ikke er noen risiko ved likviditetsfond. Fondene inneholder utlån til banker med garantier og de aller mest solide bedriftene i Norge, sier Næss.</strong></p>\n<p>På risikoskalaen som brukes for finansielle produkter i EU/EØS, har Slike rentefond oftest en risikovurdering på 1 av 7, det aller laveste nivået.</p>\n<p>Til sammenligning har brede globale aksjeindeksfond fra for eksempel DNB og KLP en risikovurdering på 4 av 7.</p>\n<h2>– Vil bli mer populært</h2>\n<p>– Du slipper å betale skatten løpende hvert år. Du betaler skatten på rentene først når du selger fondet. Og hvis du selger fondet etter fem eller ti år, så blir dagens verdier av skatten litt lavere enn om du skulle betale hvert år, sier Næss.</p>\n<p><!-- include: /serum/render?id=1.17656789&size=10&perspective=REFERENCE&alignment=AUTO&prefix=&variant=articlePlugSmallThumbnail&showDescription=false&parentSize=10 -->\n<!-- Reference Autonomous -->\n</p><div class=\"article widget reference plug\" data-nosnippet>\n<a class=\"link__container link__container--with-thumbnail autonomous forward-navigation\" data-ec-category=\"SMALL_THUMBNAIL\" data-ec-id=\"pp:article:1.17656789\" data-ec-name=\"Har du noen gang sett denne seddelen?\" href=\"https://www.nrk.no/rogaland/naeringslivet_-skrot-tusenlappen-1.17656789\">\n<div class=\"heading__container skin-background-50 skin-text-950 darkmode-skin-background-900 darkmode-skin-text-100\">\n<h2 class=\"heading\">\n<small class=\"kicker skin-text-700 darkmode-skin-text-300\">Les også</small>\n<span class=\"skin-text-950 darkmode-skin-text-100 link-text\">\nHar du noen gang sett denne seddelen?\n</span>\n</h2>\n<svg class=\"thumbnail-overlay skin-text-50 darkmode-skin-text-900\" fill=\"none\" height=\"101\" viewbox=\"0 0 38 101\" xmlns=\"http://www.w3.org/2000/svg\">\n<path d=\"M7.22551e-05 0C4.75007 0 8.93923 1.515 12.5677 4.545C16.1962 7.575 18.4722 11.4467 19.3958 16.16L38 101H7.22551e-05V0Z\" fill=\"currentColor\"></path>\n</svg>\n</div>\n<div class=\"thumbnail-container\">\n<!-- include: /serum/render?id=1.17660065&size=10&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image+lazy-load --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image lazy-load\">\n<div class=\"responsive-img F169\"><img alt=\"Et nærbilde av en tusenlapp.\" loading=\"lazy\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQxde0kAAVS_OFAzt-t55Dgw.jpg 80w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ6fC9PNUMScKFAzt-t55Dgw.jpg 160w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQW2miIMGVVOqFAzt-t55Dgw.jpg 350w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQyce5XED-lGSFAzt-t55Dgw.jpg 450w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQvY9b_Eg1JpOFAzt-t55Dgw.jpg 650w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQEn9uzf7i-S-FAzt-t55Dgw.jpg 1000w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-W0uN1VtsriFAzt-t55Dgw.jpg 1200w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQ-VMfLmf-XWKFAzt-t55Dgw.jpg 1600w, https://gfx.nrk.no/NrFcaNxCxLhT-rQXc6npTQB5MxCDPh2suFAzt-t55Dgw.jpg 2000w\" title=\"Foto: NTB scanpix\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n</div>\n</a>\n</div>\n<!-- // Reference Autonomous -->\n\n<p>Joar Hagatun er porteføljeforvalter hos spareappen Kron i Storebrand – og venter at flere nå vil velge rentefond i året som kommer.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17665949.58ea5c00\"><!-- include: /serum/render?id=1.17665949&size=10&perspective=RICH&alignment=CENTER&caption=Portef%C3%B8ljeforvalter+Joar+Hagatun+i+Kron.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"En mann med skjegg står inne i Storebrands hovedkontor i Oslo. \" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1Am8rLixCRcc7RmC5Ln0qVmA.jpg 80w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A-CDBS7PQpR_RmC5Ln0qVmA.jpg 160w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AZEVlz4xTgV7RmC5Ln0qVmA.jpg 350w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AhkCdUUc_JgXRmC5Ln0qVmA.jpg 450w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AzmeUVQf9Uw7RmC5Ln0qVmA.jpg 650w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1A0faopXs1jCbRmC5Ln0qVmA.jpg 1000w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AgGb9iHiP-CDRmC5Ln0qVmA.jpg 1200w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AmwWKT9C5ZuXRmC5Ln0qVmA.jpg 1600w, https://gfx.nrk.no/WJitqIRPx2ku5335Ab-R1AUu9BZV9DCNDRmC5Ln0qVmA.jpg 2000w\" title=\"Foto: Johan B. Sættem / NRK\"></div>\n<figcaption>\n<p class=\"\">Porteføljeforvalter Joar Hagatun i Kron.</p>\n<small>Foto: Johan B. Sættem / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<p><strong>– Vi forventer at likviditetsfond vil bli mer populært. For det har jo vært en god plassering allerede med god rente. Og så blir den nå enda litt bedre, i og med at vi får denne utsatte skattefordelen, sier han.</strong></p>\n<p>Mens man med en vanlig sparekonto i banken kan ta ut pengene om man ønsker det, tar det et par dager å ta ut sparepengene sine i et likviditetsfond.</p>\n<div class=\"g100 col fc s10 sl12 sl18 sg6 sg9 image-reference image-reference--F169\" id=\"1.17439769.59068b02\"><!-- include: /serum/render?id=1.17439769&size=10&perspective=RICH&alignment=CENTER&caption=Forbruker%C3%B8konom+Guro+Sollien+Eriksrud+i+Forbrukerr%C3%A5det.&type=image&aspect=F169&parentSize=10 --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich\">\n<div class=\"responsive-img F169\"><img alt=\"Guro Sollien Eriksrud i Forbrukerrådet\" loading=\"eager\" sizes=\"(min-width:1180px) 639px, (min-width:720px) 56vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwTkjJ6uwkqFx8f7pJzFqEug.png 80w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwylikWcz28kx8f7pJzFqEug.png 160w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwveL3X79-42x8f7pJzFqEug.png 350w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwaXYf0qogMnF8f7pJzFqEug.png 450w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwuOly-A59NU58f7pJzFqEug.png 650w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwhqcIo3tU2wt8f7pJzFqEug.png 1000w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwlyZORJwmHyB8f7pJzFqEug.png 1200w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jw5b_uLosgVdJ8f7pJzFqEug.png 1600w, https://gfx.nrk.no/HEISWvv5h0KK79akbHM7jwu2io95v_2_d8f7pJzFqEug.png 2000w\" title=\"Foto: Håkon Benjaminsen / NRK\"></div>\n<figcaption>\n<p class=\"\">Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet.</p>\n<small>Foto: Håkon Benjaminsen / NRK</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n</div>\n<h2>– Viktig å være klar over gebyrene</h2>\n<p>Forbrukerøkonom Guro Sollien Eriksrud i Forbrukerrådet råder folk som vurderer rentefond som alternativ til banksparing, om å orientere seg på <a ec-id=\"https://www.forbrukerradet.no/fond/likviditetsfond\" ec-name=\"nettsidene til Forbrukerrådets finansportal.\" href=\"https://www.forbrukerradet.no/fond/likviditetsfond\">nettsidene til Forbrukerrådets finansportal.</a></p>\n<p><strong>– Der finner du full oversikt over både historiske renter og ulike gebyrer som er verdt å være klar over, sier hun.</strong></p>\n<p>Mens bankinnskudd er garantert av Bankenes sikringsfond med inntil 2 millioner kroner for hver innskyter i norske banker, er rentefond ikke omfattet av en slik garanti.</p>\n</div>\n<div class=\"article-dateline article-footer container-widget-content cf\">\n<span class=\"article-publish-date publish-date \">\n<span class=\"article-dateline-annotation\">Publisert</span>\n<time class=\"datetime-absolute datePublished\" datetime=\"2025-12-19T05:11:45+01:00\">\n19.12.2025, kl. 05.11\n</time>\n</span>\n</div>\n</div>\n<!-- include: /serum/render?id=panorama.singleton.favorittmarkering&size=18&perspective=RICH&alignment=AUTO -->\n <div class=\"min-side\" data-state-id=\"ebcml9iplu\" data-static-host=\"https://static.nrk.no/publisering/min-side\"><link href=\"https://static.nrk.no/publisering/min-side/static/0-c2ddc9339a70fac9c76d.css\" rel=\"stylesheet\" type=\"text/css\"><link href=\"https://static.nrk.no/publisering/min-side/static/saveButton-62d288e344506c232def.css\" rel=\"stylesheet\" type=\"text/css\"></div>\n \n<aside class=\"g27 col fl s5 sl6 sl9 sl12 sl18 article-reference article-sidebar lp_related\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=5&perspective=RICH&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11269891\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11269891\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\nBank og finans\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11269891\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17690784\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17690784&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17690784\" data-ec-name=\"Får ikke satt inn kontanter i banken - frivillige fortviler\" data-id=\"1.17690784\" href=\"https://www.nrk.no/innlandet/far-ikke-satt-inn-kontanter-i-banken---frivillige-fortviler-1.17690784\">\n<!-- include: /serum/render?id=1.17692789&size=5&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Et skuffefullt med norske mynter er avbildet. Myntene ligger tettpakket i en metallskuff. Bildet viser både større og mindre mynter i blandet valør. Skuffen er plassert i et hvitt skap. (Bildebeskrivelsen er laget av en KI-tjeneste)\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gPEj3U1hOjgTpijX6d3KDdQ.jpg 80w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCX_YPxCs23TpijX6d3KDdQ.jpg 160w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_grUG-Jpf2tqXpijX6d3KDdQ.jpg 350w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gJUoaTHMZhAfpijX6d3KDdQ.jpg 450w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gx2gLeUKOHPfpijX6d3KDdQ.jpg 650w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gEIQNhtJQPzPpijX6d3KDdQ.jpg 1000w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gCtVyd-DWmPjpijX6d3KDdQ.jpg 1200w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_gnl96Wu2M61HpijX6d3KDdQ.jpg 1600w, https://gfx.nrk.no/9kKHAEHwwEJeckiRmaOM_g-bTfSOw0nrjpijX6d3KDdQ.jpg 2000w\" title=\"Foto: Frode Meskau / NRK\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Får ikke satt inn kontanter i banken - frivillige fortviler</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g100 col fln s5 sl6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17065305\" data-reference-id=\"1.11269891.\">\n<!-- include: /serum/render?id=1.17065305&size=5&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17065305\" data-ec-name=\"Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.\" data-id=\"1.17065305\" href=\"https://www.nrk.no/norge/dette-betalte-10-av-norges-storste-selskaper-i-skatt.-fra-0-kroner-til-39-milliarder.-1.17065305\">\n<!-- include: /serum/render?id=1.17595164&size=5&perspective=LEAN&alignment=AUTO&caption=Reitan-familien+kontrollerer+dagligvarekjeden+Rema+1000.+Fra+venstre%3A+Ole+Robert+Reitan%2C+Odd+Reitan+og+Magnus+Reitan.+Bildet+ble+under+%C3%A5pningen+av+Nye+Hjorten+Teater+i+Trondheim+i+fjor.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"En gruppe mennesker som står sammen\" loading=\"eager\" sizes=\"(min-width:1180px) 319px, (min-width:720px) 28vw, 50vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQFhAS81MwRVpa3wJO_UnXag.jpg 80w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQRZoIg4dQGYta3wJO_UnXag.jpg 160w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOOu-MAiuWqha3wJO_UnXag.jpg 350w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQf9ydUudCU0Na3wJO_UnXag.jpg 450w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQX-LkGYs0SU1a3wJO_UnXag.jpg 650w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQjSmcexUM3OVa3wJO_UnXag.jpg 1000w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQdSujwjaju0Ja3wJO_UnXag.jpg 1200w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQB-IoDLCJhaVa3wJO_UnXag.jpg 1600w, https://gfx.nrk.no/c0cmjNy6zT8Wojc3lkM0RQOEvBpm91Dl5a3wJO_UnXag.jpg 2000w\" title=\"Foto: Jan Langhaug / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Dette betalte 10 av Norges største selskaper i skatt. Fra 0 kroner til 39 milliarder.</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n<div class=\"container-widget-content pagination nrk-pagination\">\n<button class=\"flow-page-forward nrk-button\" data-id=\"1.11269891?size=5&perspective=BRIEF&alignment=AUTO&display=true&arrangement.offset=3&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE\">\n<span class=\"button-icon\">+</span>\n<span>Vis flere</span>\n</button>\n</div>\n</div>\n\n<!-- END: /templates/universe/universe.jsp -->\n\n<div class=\"article-universe-teaser container-widget-content\">\n<!-- include: /serum/render?id=1.11269891&secondary=1.17690359&size=18&perspective=REFERENCE&alignment=AUTO&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=2&arrangement.repetition=LAST&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=5&arrangement.view%5B0%5D.alignment=LEFT&paged=SIMPLE&classes=article-universe-link+universe-teaser -->\n<a class=\"universe widget reference article-universe-link universe-teaser lp_universe_link\" href=\"https://www.nrk.no/emne/bank-og-finans-1.11269891\">\n<span>Mer om:</span>\nBank og finans\n</a>\n\n</div>\n</aside>\n</article>\n\n\n</div>\n</div>\n</div><div class=\"g100 col fc s18 sg6 sg9 sg12 remoterenderedcontent-reference\"><!-- include: /serum/render?id=1.13390103&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE -->\n \n <link href=\"https://static.nrk.no/publisering/kurator-visning/assets/elglobo-b35c0b2b.css\" rel=\"stylesheet\">\n \n <div class=\"elglobo lp_relatedglobal\" data-k5a-pos=\"relatedglobal\">\n <div class=\"elglobo__title-wrapper\">\n <h3 class=\"nrk-floor__content__title widget-title skin-border\">NRK anbefaler</h3>\n </div>\n <section class=\"kur-house__main\" data-generated-time=\"2025-12-19T04:43:39.279Z\" data-published-time=\"2025-10-16T08:12:53.042Z\" data-version-id=\"4849058\" id=\"kurator_main\">\n \n <section class=\"kur-floor kur-floor--mix kur-floor--normal\">\n <div class=\"kur-floor__content lp_flow\" data-ec-brand=\"kur:1\" data-ec-list=\"nrkno_elglobo\">\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263112\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-low kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263112\" data-ec-id=\"pp:article:1.17697867\" data-ec-name=\"Halvparten av snusen kan bli forbudt\" data-ec-position=\"1\" lang=\"no\">\n <a href=\"https://www.nrk.no/ostfold/regjeringen-vil-stramme-inn-_-halvparten-av-snussortene-pa-det-norske-markedet-kan-bli-ulovlige-1.17697867\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwP5c1uxooMHVPxUlL2-yksw\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwU070OiyiLD7FT1owPc6vOQ\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwU070OiyiLD7FT1owPc6vOQ 80w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwAYLUTpb3RFLFT1owPc6vOQ 160w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwFYXlt41HJUDFT1owPc6vOQ 350w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwJdgwWI4wq6rFT1owPc6vOQ 450w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwO2NOHhORyBzFT1owPc6vOQ 650w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwPb48Ayeqy-rFT1owPc6vOQ 1000w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwbFvyS8X3LVTFT1owPc6vOQ 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwU070OiyiLD7FT1owPc6vOQ 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwP5c1uxooMHVPxUlL2-yksw 80w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwRLSWcow3jWJPxUlL2-yksw 160w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzw9irM25shbzZPxUlL2-yksw 350w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwzEcu1_F8cnlPxUlL2-yksw 450w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwXwL8P8HrdJ5PxUlL2-yksw 650w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzw3_OsUdujapBPxUlL2-yksw 1000w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwmqdTyS33G6FPxUlL2-yksw 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwP5c1uxooMHVPxUlL2-yksw\" srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwP5c1uxooMHVPxUlL2-yksw 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwP5c1uxooMHVPxUlL2-yksw 80w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwRLSWcow3jWJPxUlL2-yksw 160w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzw9irM25shbzZPxUlL2-yksw 350w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwzEcu1_F8cnlPxUlL2-yksw 450w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwXwL8P8HrdJ5PxUlL2-yksw 650w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzw3_OsUdujapBPxUlL2-yksw 1000w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwmqdTyS33G6FPxUlL2-yksw 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwU070OiyiLD7FT1owPc6vOQ\" srcset=\"https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwU070OiyiLD7FT1owPc6vOQ 80w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwAYLUTpb3RFLFT1owPc6vOQ 160w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwFYXlt41HJUDFT1owPc6vOQ 350w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwJdgwWI4wq6rFT1owPc6vOQ 450w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwO2NOHhORyBzFT1owPc6vOQ 650w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwPb48Ayeqy-rFT1owPc6vOQ 1000w, https://gfx.nrk.no/co4N_FOowMYup52b6LZKzwbFvyS8X3LVTFT1owPc6vOQ 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--3\">\n <span>\n <small>Regjeringen vil stramme inn:</small> Halvparten av snusen kan bli forbudt\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n <div class=\"kur-room-wrapper kur-room--size-50 kur-room--standard tracklp\" data-testid=\"kur-room-id-1263113\">\n \n <div class=\"kur-room kur-room--light kur-room-darkroom-text--default kur-room--variant-medium kur-room--variant-mobile-medium kur-room--artwork-on-top kur-room--artwork-on-top-desktop kur-room--has-artwork\" data-ec-category=\"size-50\" data-ec-entity-id=\"1263113\" data-ec-id=\"pp:article:1.17696126\" data-ec-name=\"Nå slår Google til mot dem\" data-ec-position=\"2\" lang=\"no\">\n <a href=\"https://www.nrk.no/dokumentar/google-saksoker-svindelnettverk-avslort-av-nrk-1.17696126\">\n \n <div class=\"kur-room__artwork\">\n \n <figure aria-hidden=\"true\" class=\"kur-image\">\n <meta content=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw\" itemprop=\"contentUrl\">\n <meta content=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg\" itemprop=\"thumbnailUrl\">\n <meta itemprop=\"name\">\n \n <picture>\n <source data-srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg 80w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAxe_XSZF7xAzgPyhWmuqZOg 160w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOBCTWt_7VBzgPyhWmuqZOg 350w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA6zMCEvbO8PDgPyhWmuqZOg 450w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7WHc82pEItbgPyhWmuqZOg 650w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7AuAN1ZfcJngPyhWmuqZOg 1000w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAy8KQSZq2ypTgPyhWmuqZOg 1200w\" media=\"(max-width: 719px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg 80w\">\n <img alt=\"\" class=\"lazyload\" data-srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw 80w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAT1iQymHX7k_3DnMTEcfMKw 160w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAjhCljMWsiOn3DnMTEcfMKw 350w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAwcksV8HXyX33DnMTEcfMKw 450w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJANfKNnax5xJL3DnMTEcfMKw 650w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAlgup85Gz6cz3DnMTEcfMKw 1000w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAeVZ0jalsPsr3DnMTEcfMKw 1200w\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw\" srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw 80w\" title=\"\">\n </picture>\n \n \n <noscript>\n <picture>\n <source media=\"(min-width: 720px)\" sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAtZtamLuETF_3DnMTEcfMKw 80w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAT1iQymHX7k_3DnMTEcfMKw 160w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAjhCljMWsiOn3DnMTEcfMKw 350w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAwcksV8HXyX33DnMTEcfMKw 450w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJANfKNnax5xJL3DnMTEcfMKw 650w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAlgup85Gz6cz3DnMTEcfMKw 1000w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAeVZ0jalsPsr3DnMTEcfMKw 1200w\">\n <img sizes=\"(min-width: 1140px) 570px, (min-width: 720px) 50vw, 100vw\" src=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg\" srcset=\"https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOpEF0V4BwOjgPyhWmuqZOg 80w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAxe_XSZF7xAzgPyhWmuqZOg 160w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAOBCTWt_7VBzgPyhWmuqZOg 350w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA6zMCEvbO8PDgPyhWmuqZOg 450w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7WHc82pEItbgPyhWmuqZOg 650w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJA7AuAN1ZfcJngPyhWmuqZOg 1000w, https://gfx.nrk.no/ic3SvY5z5_ueKZq2f0WVJAy8KQSZq2ypTgPyhWmuqZOg 1200w\" title=\"\">\n </picture>\n </noscript>\n \n </figure>\n \n \n </div>\n \n <div class=\"kur-room__content\">\n \n <h2 class=\"kur-room__title kur-room__title--3\">\n <span>\n <small>NRK avslørte svindlere:</small> Nå slår Google til mot dem\n </span>\n </h2>\n \n \n \n </div>\n </a> \n \n </div>\n \n </div>\n \n </div>\n </section>\n \n </section>\n </div>\n \n \n \n </div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g50 col fl s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich cf container-widget\"><div class=\"g100 col fl s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.11001879&secondary=1.17690359&size=9&perspective=RICH&alignment=LEFT&head=AKTUELT+N%C3%85&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=1&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=9&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.11001879\" data-relation-limit=\"1\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>AKTUELT NÅ</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations\" data-ec-list=\"pp:article:1.11001879\" data-ec-name=\"nrkno_flow\"><div class=\"g100 col fl s9 sl12 sl18 sg6 compilation-reference relation flow-relation\" data-id=\"1.12696739\" data-reference-id=\"1.11001879.body20958\"><!-- include: /serum/render?id=1.12696739&size=9&perspective=BRIEF&alignment=LEFT&quantity=40 -->\n<div class=\"compilation widget brief plug cf js-initialize lp_compilation\" data-id=\"1.12696739\" data-perspective=\"BRIEF\">\n<a class=\"autonomous\" data-id=\"1.12696739\" href=\"https://www.nrk.no/mr/age-hareide-1.12696739\" title=\"Åge Hareide\">\n<div class=\"compilation-media\">\n<!-- include: /serum/render?id=1.17699335&size=9&perspective=RICH&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-rich.jsp -->\n<figure class=\"image widget rich plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Åge Hareide titter mystisk opp\" loading=\"eager\" sizes=\"(min-width:1180px) 575px, (min-width:720px) 50vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwhthM02sc0jWs49SuTEpG3Q.jpg 80w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwX6DM5JZgKjys49SuTEpG3Q.jpg 160w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwvTQNiiAEYBGs49SuTEpG3Q.jpg 350w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwqBCY8X8upWys49SuTEpG3Q.jpg 450w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwOb9ArU3luOes49SuTEpG3Q.jpg 650w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwIBzGDx8LjPWs49SuTEpG3Q.jpg 1000w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwCFs0ZJoZb7Ss49SuTEpG3Q.jpg 1200w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLw1AUDHFlesvas49SuTEpG3Q.jpg 1600w, https://gfx.nrk.no/54stwvBwCet2NAjLdFGHLwCHTDCQcSXnas49SuTEpG3Q.jpg 2000w\" title=\"Foto: Carina Johansen / NTB\"></div>\n<figcaption>\n<small>Foto: Carina Johansen / NTB</small>\n</figcaption>\n</figure>\n<!-- END: /templates/image/image-rich.jsp -->\n\n<div class=\"status-line\">\n<div class=\"status-line-top skin-background\"></div>\n<div class=\"status-line-bottom\"></div>\n</div>\n</div>\n<div class=\"plug-teaser skin-border\">\n<h2 class=\"title\">Kjell Inge Røkke: – Visjonær, venn og inspirator</h2>\n<span class=\"compilation-circle\"></span>\n<span class=\"compilation-link\">Åge Hareide</span>\n<footer class=\"plug-footer\">\n<div class=\"plug-metadata plug-metadata-footer\">\n<span class=\"plug-metadata-icon skin-plug-icon\">\nFølg saken\n</span>\n</div>\n</footer>\n</div>\n</a>\n</div>\n\n</div></div>\n</div>\n</div></div></div><div class=\"g50 col fr s9 sl12 sl18 sg6 group-reference\"><div class=\"group widget rich lp_newsroomglobo cf container-widget\"><div class=\"g100 col fr s9 sl12 sl18 sg6 flow-reference\"><!-- include: /serum/render?id=1.12990296&secondary=1.17690359&size=9&perspective=RICH&alignment=RIGHT&head=SISTE+NYTT&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=10&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=BRIEF&arrangement.view%5B0%5D.size=AUTO&arrangement.view%5B0%5D.alignment=RIGHT&paged=OFF -->\n<div class=\"flow widget rich container-widget js-initialize cf\" data-id=\"1.12990296\" data-relation-limit=\"10\">\n<div class=\"container-widget-content\">\n<h3 class=\"widget-title skin-border\"><span>SISTE NYTT</span></h3>\n</div>\n<div class=\"cf flow-content container-widget lp_flow relations flow-content__empty\" data-ec-list=\"pp:article:1.12990296\" data-ec-name=\"nrkno_flow\"></div>\n</div>\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 stream-reference\"><!-- include: /serum/render?id=1.11001867&size=9&perspective=LEAN&alignment=RIGHT&quantity=15 -->\n<section class=\"stream widget lean cf js-initialize js-realtime\" data-id=\"1.11001867\" data-permalink=\"\" data-relation-limit=\"15\" data-relation-perspective=\"REFERENCE\">\n<header class=\"stream-header\">\n<h3 class=\"stream-title\"><time aria-live=\"off\"> </time>Siste meldinger\n</h3></header>\n<ul aria-live=\"polite\" class=\"stream-lean-content relations\">\n<li class=\"stream-item relation\" data-id=\"1.17699455\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699455.1.17699455\" id=\"1.17699455.1.17699455\">\n<!-- include: /serum/render?id=1.17699455&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699455\" href=\"https://www.nrk.no/nyheter/eu-landene-er-enige-om-lan-pa-90-milliarder-euro-til-ukraina-1.17699455\">\n<time class=\"bulletin-publication-time\">\n03:05\n</time>\nEU-landene er enige om lån på 90 milliarder euro til Ukraina\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699453\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699453.1.17699453\" id=\"1.17699453.1.17699453\">\n<!-- include: /serum/render?id=1.17699453&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699453\" href=\"https://www.nrk.no/nyheter/australia-lanserer-ordning-for-innlevering-av-vapen-1.17699453\">\n<time class=\"bulletin-publication-time\">\n01:36\n</time>\nAustralia lanserer ordning for innlevering av våpen\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699447\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699447.1.17699447\" id=\"1.17699447.1.17699447\">\n<!-- include: /serum/render?id=1.17699447&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699447\" href=\"https://www.nrk.no/nyheter/borshopp-i-usa-1.17699447\">\n<time class=\"bulletin-publication-time\">\n01:12\n</time>\nBørshopp i USA\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699444\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699444.1.17699444\" id=\"1.17699444.1.17699444\">\n<!-- include: /serum/render?id=1.17699444&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699444\" href=\"https://www.nrk.no/nyheter/syv-menn-pagrepet-etter-bondi-beach-angrepet--1.17699444\">\n<time class=\"bulletin-publication-time\">\n00:54\n</time>\nSyv menn pågrepet etter Bondi Beach-angrepet \n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699442\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699442.1.17699442\" id=\"1.17699442.1.17699442\">\n<!-- include: /serum/render?id=1.17699442&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699442\" href=\"https://www.nrk.no/nyheter/nascar-forer-blant-de-dode-i-flystyrt-i-usa-1.17699442\">\n<time class=\"bulletin-publication-time\">\n00:31\n</time>\nNascar-fører blant de døde i flystyrt i USA\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699441\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699441.1.17699441\" id=\"1.17699441.1.17699441\">\n<!-- include: /serum/render?id=1.17699441&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699441\" href=\"https://www.nrk.no/nyheter/politibil-kolliderte-med-buss-1.17699441\">\n<time class=\"bulletin-publication-time\">\n00:25\n</time>\nPolitibil kolliderte med buss\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699439\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699439.1.17699439\" id=\"1.17699439.1.17699439\">\n<!-- include: /serum/render?id=1.17699439&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699439\" href=\"https://www.nrk.no/nyheter/kjell-inge-rokke_-_-visjonaer_-venn-og-inspirator-1.17699439\">\n<time class=\"bulletin-publication-time\">\n00:03\n</time>\nKjell Inge Røkke: – Visjonær, venn og inspirator\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699435\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699435.1.17699435\" id=\"1.17699435.1.17699435\">\n<!-- include: /serum/render?id=1.17699435&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699435\" href=\"https://www.nrk.no/nyheter/joshua-king_-_-en-legende-1.17699435\">\n<time class=\"bulletin-publication-time\">\n23:56\n</time>\nJoshua King: – En legende\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699431\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699431.1.17699431\" id=\"1.17699431.1.17699431\">\n<!-- include: /serum/render?id=1.17699431&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699431\" href=\"https://www.nrk.no/nyheter/ola-by-rise_-_-har-virkelig-satt-spor-etter-seg-1.17699431\">\n<time class=\"bulletin-publication-time\">\n23:45\n</time>\nOla By Rise: – Har virkelig satt spor etter seg\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699428\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699428.1.17699428\" id=\"1.17699428.1.17699428\">\n<!-- include: /serum/render?id=1.17699428&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699428\" href=\"https://www.nrk.no/nyheter/carl-erik-torp_-_-har-betydd-mye-1.17699428\">\n<time class=\"bulletin-publication-time\">\n23:40\n</time>\nCarl Erik Torp: – Har betydd mye\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699425\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699425.1.17699425\" id=\"1.17699425.1.17699425\">\n<!-- include: /serum/render?id=1.17699425&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699425\" href=\"https://www.nrk.no/nyheter/arild-stavrum_-_-ordentlig-tungt-1.17699425\">\n<time class=\"bulletin-publication-time\">\n23:33\n</time>\nArild Stavrum: – Ordentlig tungt\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699420\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699420.1.17699420\" id=\"1.17699420.1.17699420\">\n<!-- include: /serum/render?id=1.17699420&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699420\" href=\"https://www.nrk.no/nyheter/arne-scheie_-__en-av-de-aller-storste-trenerne-1.17699420\">\n<time class=\"bulletin-publication-time\">\n23:23\n</time>\nArne Scheie: – En av de aller største trenerne\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699416\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699416.1.17699416\" id=\"1.17699416.1.17699416\">\n<!-- include: /serum/render?id=1.17699416&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699416\" href=\"https://www.nrk.no/nyheter/kasper-schmeichel_-_-gjor-vondt-i-hjertet-1.17699416\">\n<time class=\"bulletin-publication-time\">\n23:13\n</time>\nKasper Schmeichel: – Gjør vondt i hjertet\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699412\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699412.1.17699412\" id=\"1.17699412.1.17699412\">\n<!-- include: /serum/render?id=1.17699412&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699412\" href=\"https://www.nrk.no/nyheter/ole-gunnar-solskjaer_-_-har-betydd-mye-for-meg-1.17699412\">\n<time class=\"bulletin-publication-time\">\n23:06\n</time>\nOle Gunnar Solskjær: – Har betydd mye for meg\n</a>\n</span>\n\n</li>\n<li class=\"stream-item relation\" data-id=\"1.17699401\" data-perspective=\"REFERENCE\" data-reference-id=\"1.17699401.1.17699401\" id=\"1.17699401.1.17699401\">\n<!-- include: /serum/render?id=1.17699401&secondary=1.11001867&size=9&perspective=REFERENCE&alignment=AUTO -->\n<span class=\"teaser widget reference emphasis-medium\">\n<a class=\"autonomous skin-text\" data-id=\"1.17699401\" href=\"https://www.nrk.no/nyheter/_affeksjonsverdi_-blant-obamas-favoritter-1.17699401\">\n<time class=\"bulletin-publication-time\">\n22:58\n</time>\n«Affeksjonsverdi» blant Obamas favoritter\n</a>\n</span>\n\n</li>\n</ul>\n</section>\n\n</div><div class=\"g100 col fr s9 sl12 sl18 sg6 singleton-reference\"><!-- include: /serum/render?id=1.11263327&size=9&perspective=RICH&alignment=RIGHT -->\n<div class=\"stream-lean-footer\">\n<a class=\"stream-lean-exit\" href=\"https://www.nrk.no/nyheter/\" target=\"_parent\">Følg nyhetsbildet <span>akkurat nå</span></a>\n<svg aria-hidden=\"true\" class=\"arrow-right\" role=\"presentation\" shape-rendering=\"auto\" viewbox=\"0 0 9 23\">\n<g fill=\"none\" fill-rule=\"evenodd\">\n<path d=\"M2 2l5 9.723L2 21\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"2\"></path>\n</g>\n</svg>\n</div></div></div></div><div class=\"g100 col fc s18 sg6 sg9 sg12 universe-reference\"><!-- include: /serum/render?id=1.11264150&secondary=1.17690359&size=18&perspective=RICH&alignment=CENTER&scope=ARTICLE&caption=Norge&display=true&arrangement.offset=0&arrangement.startoffset=0&arrangement.quantity=3&arrangement.repetition=PATTERN&arrangement.view%5B0%5D.perspective=LEAN&arrangement.view%5B0%5D.size=6&arrangement.view%5B0%5D.alignment=LEFT&paged=OFF -->\n<div class=\"universe widget rich flow container-widget js-initialize\" data-id=\"1.11264150\">\n<div class=\"container-widget-content\">\n<h3 class=\"universe-title widget-title skin-border\">\n<a class=\"skin-text-hover skin-plug-icon autonomous\" data-id=\"1.11264150\" href=\"https://www.nrk.no/norge/norge-1.11264150\">\nNorge\n</a>\n</h3>\n</div>\n<div class=\"cf flow-content container-widget lp_universe relations\" data-ec-list=\"pp:article:1.11264150\" data-ec-name=\"nrkno_universe\">\n<!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17699019\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17699019&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17699019\" data-ec-name=\"Oppvask i Sametinget: Direktøren vil si opp leder etter grunnlovsbrudd\" data-id=\"1.17699019\" href=\"https://www.nrk.no/sapmi/sametinget-brot-grunnloven-_-leder-risikerer-a-miste-jobben-1.17699019\">\n<!-- include: /serum/render?id=1.17699364&size=6&perspective=LEAN&alignment=AUTO&type=image&aspect=UNKNOWN&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Sametingets direktør Inger Marit Eira-Åhrén\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQFyJXnl2WRaWRS1-15092Nw.jpg 80w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQWSbWexpmufSRS1-15092Nw.jpg 160w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQG2K6VAskm0uRS1-15092Nw.jpg 350w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQXsWIBwhBC0GRS1-15092Nw.jpg 450w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQ87fAz_7yV8eRS1-15092Nw.jpg 650w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQ2_4NNQ0MFd2RS1-15092Nw.jpg 1000w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQk7C6THrUqWyRS1-15092Nw.jpg 1200w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQSklYEJdU3qSRS1-15092Nw.jpg 1600w, https://gfx.nrk.no/k6-x5wXLRDmTBxi86TkSbQ5-Gz6F9_oPWRS1-15092Nw.jpg 2000w\" title=\"Foto: Sametinget\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Oppvask i Sametinget: Direktøren vil si opp leder etter grunnlovsbrudd</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17699349\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17699349&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17699349\" data-ec-name=\"Våre naboland sørger over Hareide: «Tak for alt, Åge»\" data-id=\"1.17699349\" href=\"https://www.nrk.no/sport/vare-naboland-sorger-over-hareide_-_tak-for-alt_-age_-1.17699349\">\n<!-- include: /serum/render?id=1.17699410&size=6&perspective=LEAN&alignment=AUTO&caption=Danmarks+keeper+Kasper+Schmeichel+sier+Hareide+hadde+%C2%ABenorm+betydning+for+meg%C2%BB.+Her+jubler+de+sammen+etter+seieren+mot+Peru+i+VM-gruppespillet+i+2018.&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Hareide og Schmeichel\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1AfJo0eQQUecaozhOqMjTPuw.jpg 80w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1Af5Ixu9GUP3aozhOqMjTPuw.jpg 160w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1AmaNFbNSuCemozhOqMjTPuw.jpg 350w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1Adjg5FB-rYmqozhOqMjTPuw.jpg 450w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1Ak3lKwe5mn8eozhOqMjTPuw.jpg 650w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1ADIAcpM4buDGozhOqMjTPuw.jpg 1000w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1ANuEPf2F9cLSozhOqMjTPuw.jpg 1200w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1Aq50wbOis_4OozhOqMjTPuw.jpg 1600w, https://gfx.nrk.no/3EJwzqu6zxQrTFDrw1OM1AL8vNXxhUIM-ozhOqMjTPuw.jpg 2000w\" title=\"Foto: Reuters\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Våre naboland sørger over Hareide: «Tak for alt, Åge»</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n--><!--\n--><!--\n--><div class=\"g33 col fln s6 sl9 sl12 sl18 article-reference relation\" data-id=\"1.17699345\" data-reference-id=\"1.11264150.\">\n<!-- include: /serum/render?id=1.17699345&size=6&perspective=LEAN&alignment=AUTO&showDescription=false --><!-- START: /templates/article/article-lean.jsp -->\n<div class=\"article widget lean plug-default plug lp_plug cf\">\n<a class=\"autonomous\" data-ec-id=\"pp:article:1.17699345\" data-ec-name=\"Send en siste hilsen: – En trenerlegende\" data-id=\"1.17699345\" href=\"https://www.nrk.no/norge/age-hareide-er-dod_-send-din-siste-hilsen-og-kondolanse-1.17699345\">\n<!-- include: /serum/render?id=1.17699346&size=6&perspective=LEAN&alignment=AUTO&caption=G%C3%85TT+BORT%3A+%C3%85ge+Hareide+d%C3%B8de+torsdag.+Under+kan+du+sende+din+siste+hilsen.+&type=image&aspect=F169&classes=plug-image --><!-- START: /templates/image/image-lean.jsp -->\n<figure class=\"image widget lean plug-image\">\n<div class=\"responsive-img F169\"><img alt=\"Åge Hareide i sin andre periode i Rosenborg.\" loading=\"eager\" sizes=\"(min-width:1180px) 383px, (min-width:720px) 33vw, 100vw\" src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" srcset=\"https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01giFZuz2WhZRHWEXd3AvNdwA.jpg 80w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01gNnBcxZXiIvfWEXd3AvNdwA.jpg 160w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01gKA1Eawh6-NTWEXd3AvNdwA.jpg 350w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01g9GEpYAJv0g3WEXd3AvNdwA.jpg 450w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01g1BJv16genlPWEXd3AvNdwA.jpg 650w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01ga6n2WphIHebWEXd3AvNdwA.jpg 1000w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01g18npR6AIa1zWEXd3AvNdwA.jpg 1200w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01gGw1s_1w_gGTWEXd3AvNdwA.jpg 1600w, https://gfx.nrk.no/CbLRdyJtCJu61h4ut_I01gi1w7-zUR2_PWEXd3AvNdwA.jpg 2000w\" title=\"Foto: Jan Kåre Ness / NTB\"></div>\n</figure>\n<!-- END: /templates/image/image-lean.jsp -->\n\n<div class=\"plug-teaser\">\n<h2 class=\"title\">Send en siste hilsen: – En trenerlegende</h2>\n</div>\n</a>\n</div>\n<!-- END: /templates/article/article-lean.jsp -->\n<!--\n--></div><!--\n-->\n</div>\n</div>\n<!-- 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aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Kontakt</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/informasjon/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Om NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/kontakt/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Kontakt NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/lisens/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Lisens</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/publikum/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Publikum i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/deltaker/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Delta i NRK-programmer</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/stilling/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Jobb i NRK</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/presse/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Presse</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Hjelp<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Personvern</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/informasjonskapsler/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Hjelp</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Brukerstøtte</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/tilgjengelighet/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Tilgjengelighet</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/personvernerklaering/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Personvern</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://info.nrk.no/informasjonskapsler/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Informasjonskapsler (cookies)</a></li></ul></div></div><div class=\"nrkno-footer__links-section tablet:pb-3 tablet:mr-4 tablet:break-inside-avoid-column\"><div class=\"block tablet:hidden\"><u-details class=\"nrkno-footer__details-list mb-2.5 dark:border dark:border-core-blue-800 rounded-md\" name=\"nrkno-footer-colophon-details\"><u-summary class=\"nrkno-footer__details-summary bg-white dark:bg-core-blue-950 dark:text-core-blue-50 flex w-full list-none py-2.5 px-4 text-sm rounded-md\">Tjenester<span class=\"ml-auto text-core-blue-500 text-xs\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M4.2 9.4a1 1 0 0 1 1.4-.2l6.4 4.6 6.4-4.6a1 1 0 0 1 1.2 1.6L12 16.2l-7.6-5.4a1 1 0 0 1-.2-1.4Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span></u-summary><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.yr.no\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Yr</a></li><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.nrk.no/skole/\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>NRK Skole</a></li></ul></u-details></div><div class=\"hidden tablet:block\"><h3 class=\"hidden tablet:block !mb-1 text-sm font-bold uppercase\">Tjenester</h3><ul class=\"p-0 m-0 list-none\"><li class=\"nrkno-footer__links-item bg-core-blue-50 dark:bg-transparent text-sm my-[1px] py-2.5 px-4 tablet:pl-0 tablet:py-[0.3rem] tablet:bg-transparent border-t border-transparent dark:border-core-blue-800\"><a class=\"flex items-center hover:text-core-blue-600 decoration-none\" href=\"https://www.yr.no\"><span class=\"mr-1 hidden tablet:flex text-core-blue-600 text-[10px]\"><svg aria-hidden=\"true\" height=\"1.500em\" viewbox=\"0 0 24 24\" width=\"1.500em\"><path clip-rule=\"evenodd\" d=\"M9.4 4.2a1 1 0 0 0-.2 1.4l4.6 6.4-4.6 6.4a1 1 0 0 0 1.6 1.2l5.4-7.6-5.4-7.6a1 1 0 0 0-1.4-.2Z\" fill=\"currentColor\" fill-rule=\"evenodd\"></path></svg></span>Yr</a></li><li class=\"nrkno-footer__links-item 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"source_updated_at" : "2025-12-19 04:11:45",
"summary" : "Nye skatteregler fra 2026 gjør sparing i rentefond mer likt aksjesparing. Det er godt nytt for de som vil spare med svært lav risiko over tid.",
"tags" : null,
"title" : "Nå får sparekontoen en sterk konkurrent",
"twitter_title" : "Nå får sparekontoen en sterk konkurrent",
"version" : 1
}