{"id":5738,"date":"2021-03-22T12:56:16","date_gmt":"2021-03-22T11:56:16","guid":{"rendered":"https:\/\/pensumgroup.no\/investment-advice\/"},"modified":"2023-01-04T14:44:37","modified_gmt":"2023-01-04T13:44:37","slug":"investment-advice","status":"publish","type":"page","link":"https:\/\/pensumgroup.no\/en\/investment-advice\/","title":{"rendered":"Investment advice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5738\" class=\"elementor elementor-5738 elementor-100\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d868c88 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"d868c88\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ceae16\" data-id=\"6ceae16\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7f5b4a elementor-widget elementor-widget-heading\" data-id=\"d7f5b4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment advice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7ce94bd\" data-id=\"7ce94bd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0f588c elementor-align-right elementor-widget elementor-widget-breadcrumbs\" data-id=\"e0f588c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/pensumgroup.no\/en\/\">Forside<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-92f867f elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"92f867f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0f164e2\" data-id=\"0f164e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7eae5bc elementor-widget elementor-widget-heading\" data-id=\"7eae5bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The customer always first!\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e463a elementor-widget elementor-widget-text-editor\" data-id=\"a7e463a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The consultative advice means that our managers propose changes to the portfolio. The customer then decides whether the change should be carried out or not.<\/p>\n<p>Being neutral through the work with investment advice is a prerequisite for the customer to be able to feel trust in the work we carry out. We are completely free to always recommend the customer an investment that suits the customer best. Regardless of who is the supplier.&nbsp;<\/p><p>As an independent player in the financial market, we use analyzes on individual shares, bonds and funds from the best management environments in the Nordics and internationally.<\/p>\n<p>In today&#8217;s market, most customers only pay product fees. The advisor normally receives his income through commissions from the product suppliers. We see such a methodology as a danger that this promotes services and products that give the highest commissions.<\/p>\n<p>For you who invest, this is particularly negative based on 2 factors. In part, this limits the selection to only products with high return commissions, as well as the fact that the high fees absorb the return you should have as a customer.<\/p>\n<p>Pensum receives payment directly from our customers and largely uses institutional class products, which have low fees and no return commission to the advisor. Through this, we believe that our interests are aligned with the overall interests of our customers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d5cd66c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d5cd66c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e98a7a6\" data-id=\"1e98a7a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1e1de9c9 ignore-toc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e1de9c9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2b385f1b\" data-id=\"2b385f1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c9adb56 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-right elementor-widget elementor-widget-divider\" data-id=\"3c9adb56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tGet latest updates\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e447c3b ignore-toc elementor-widget elementor-widget-heading\" data-id=\"3e447c3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sign up for our news letter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b2fc7e elementor-widget elementor-widget-text-editor\" data-id=\"55b2fc7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No spam &#8211; only news from Pensum<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67e6ad3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67e6ad3b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-15eeaaa4\" data-id=\"15eeaaa4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ec27973 elementor-widget elementor-widget-shortcode\" data-id=\"5ec27973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script>(function() {\n\twindow.mc4wp = window.mc4wp || {\n\t\tlisteners: [],\n\t\tforms: {\n\t\t\ton: function(evt, cb) {\n\t\t\t\twindow.mc4wp.listeners.push(\n\t\t\t\t\t{\n\t\t\t\t\t\tevent   : evt,\n\t\t\t\t\t\tcallback: cb\n\t\t\t\t\t}\n\t\t\t\t);\n\t\t\t}\n\t\t}\n\t}\n})();\n<\/script><!-- Mailchimp for WordPress v4.12.0 - https:\/\/wordpress.org\/plugins\/mailchimp-for-wp\/ --><form id=\"mc4wp-form-1\" class=\"mc4wp-form mc4wp-form-7375\" method=\"post\" data-id=\"7375\" data-name=\"Newsletter\" ><div class=\"mc4wp-form-fields\"><p>\n    <label>First name*<\/label>\n    <input type=\"text\" name=\"FNAME\" placeholder=\"Your first name\" required=\"\">\n<\/p>\n<p>\n    <label>Surname*<\/label>\n    <input type=\"text\" name=\"LNAME\" placeholder=\"Your last name\" required=\"\">\n<\/p>\n\n<p>\n\t<label>E-mail address: *<\/label>\n\t\t<input type=\"email\" name=\"EMAIL\" placeholder=\"Your e-mail\" required=\"\">\n<\/label>\n<\/p>\n\n<p>\n\t<input type=\"submit\" value=\"RECEIVE NEWSLETTER\">\n<\/p><\/div><label style=\"display: none !important;\">Leave this field empty if you're human: <input type=\"text\" name=\"_mc4wp_honeypot\" value=\"\" tabindex=\"-1\" autocomplete=\"off\" \/><\/label><input type=\"hidden\" name=\"_mc4wp_timestamp\" value=\"1776919450\" \/><input type=\"hidden\" name=\"_mc4wp_form_id\" value=\"7375\" \/><input type=\"hidden\" name=\"_mc4wp_form_element_id\" value=\"mc4wp-form-1\" \/><div class=\"mc4wp-response\"><\/div><\/form><!-- \/ Mailchimp for WordPress Plugin --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Investment advice The customer always first! The consultative advice means that our managers propose changes to the portfolio. The customer then decides whether the change should be carried out or not. Being neutral through the work with investment advice is a prerequisite for the customer to be able to feel trust in the work we [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5738","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investment advice - Pensum Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pensumgroup.no\/en\/investment-advice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investment advice - Pensum Group\" \/>\n<meta property=\"og:description\" content=\"Investment advice The customer always first! The consultative advice means that our managers propose changes to the portfolio. The customer then decides whether the change should be carried out or not. 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