What is a reasonable time horizon for equity funds?

A minimum of 5 years is generally recommended for equity funds, but the longer the better. With 10 years or more, the probability that short-term downturns negatively affect the outcome decreases significantly.

What happens if the stock market drops sharply?

Market declines are a natural part of equity investing. Historically, markets have always recovered, though it can take time. With a long time horizon and regular contributions, you automatically buy more units when prices are low, which can benefit long-term returns.

Should I invest a lump sum or spread out purchases?

Statistically, a lump-sum investment tends to outperform spreading purchases over time, since markets more often go up than down. However, spreading purchases reduces the risk of investing at a temporary peak and may feel more comfortable, especially for newer investors.

Is Amos Value suitable for long-term investing?

Amos Value's strategy is designed for the long-term perspective. We buy quality companies with a margin of safety and hold them as long as the investment thesis remains intact. The fund has a low turnover rate, meaning we avoid unnecessary trading.

How does inflation affect my savings?

Inflation erodes the purchasing power of money sitting in a regular savings account. Equity funds have historically delivered returns exceeding inflation, meaning your capital can grow in real terms. The longer the time horizon, the more important it becomes to protect against the effects of inflation.

Should I change strategy as I approach my goal?

Risk is sometimes reduced gradually as the point of needing the money approaches. That does not mean leaving the equity market entirely. A common approach is to keep part of the capital in equity funds even during withdrawals, especially if the remaining time horizon is still long.

Saving goal

Long-term investing

Long-term investing is about allowing capital to work over time. By accepting short-term volatility, you can participate in the value creation of companies that grow and develop. Historically, equity funds with a long time horizon have beaten inflation. But it requires the patience to stay the course.

Why time in the market matters

Time in the market, not timing

Long-term investing means staying invested through multiple market cycles. Rather than trying to predict short-term moves, the focus is on company earnings, cash flows and long-term prospects. With a plan you can stick to and regular contributions, the rest tends to take care of itself.

Capture corporate value creation: A long-term approach allows you to benefit from the value created as profitable companies grow, invest and strengthen their competitive position.
Manage market volatility: In the short term, markets can be volatile. With a longer time horizon, individual periods matter less and the focus can stay on fundamentals.
Discipline and structure: A simple plan and automated contributions remove the need to make a decision every time the market moves.

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Guide

How to build a long-term savings plan

Long-term investing comes down to creating a plan you can stick with regardless of what the market does in the short term, more than finding the right fund at the right time.

Time is the most important factor: The Stockholm Stock Exchange has historically delivered an average real return of around 6 to 8 percent per year. But that return has not been evenly distributed. Individual years can vary widely. With a time horizon of 10 years or more, however, the range of returns narrows significantly, and equity funds have historically rarely delivered negative real returns over such long periods.
Compounding in practice: Compounding means you earn returns not only on your invested capital but also on the returns you have already received. The effect accelerates over time. During the first years it is barely noticeable, but after 15 to 20 years it can account for more than half of the total capital. That is why time in the market matters so much.
Downturns and recovery: Market downturns are a natural part of equity investing. Markets have historically always recovered, though it can take time. Selling after a downturn realises the loss and misses any subsequent recovery. A clear strategy, a considered risk level and regular contributions make it easier to stay the course.
Real returns and inflation: Inflation erodes the purchasing power of money sitting in a regular savings account. Equity funds have historically delivered returns that exceed inflation, meaning your capital can grow in real terms. The longer the time horizon, the more important it becomes to protect against the effects of inflation. Long-term investing in equity funds is one way to do that.

Principles

Three principles for long-term investing

It does not need to be complicated. Follow these core principles and you have a solid foundation for reaching your goals.

Regular saving

Regular contributions smooth out the purchase price and remove the need to time the market. Saving can be automated on most platforms.

Staying invested

Short-term fluctuations are normal. Those who stick with their strategy through both ups and downs have historically been rewarded.

Risk over time

The closer the goal, the more common it is to gradually reduce risk to protect the capital that has been built.

Available platforms

Amos Value is now open for investment, on platforms you may already use.

Amos Value A (Acc)

ISIN: SE0029302199

Returns are automatically reinvested in the fund. The unit's value grows instead of being paid out, with nothing for you to do.

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More platforms will be added continuously

Past performance is not a guarantee of future returns. The money invested in the fund may increase or decrease in value and you may not get back the full amount invested. Read the fund's key information document and prospectus before investing.

Common questions about long-term investing

: A minimum of 5 years is generally recommended for equity funds, but the longer the better. With 10 years or more, the probability that short-term downturns negatively affect the outcome decreases significantly.
: Market declines are a natural part of equity investing. Historically, markets have always recovered, though it can take time. With a long time horizon and regular contributions, you automatically buy more units when prices are low, which can benefit long-term returns.
: Statistically, a lump-sum investment tends to outperform spreading purchases over time, since markets more often go up than down. However, spreading purchases reduces the risk of investing at a temporary peak and may feel more comfortable, especially for newer investors.
: Amos Value's strategy is designed for the long-term perspective. We buy quality companies with a margin of safety and hold them as long as the investment thesis remains intact. The fund has a low turnover rate, meaning we avoid unnecessary trading.
: Inflation erodes the purchasing power of money sitting in a regular savings account. Equity funds have historically delivered returns exceeding inflation, meaning your capital can grow in real terms. The longer the time horizon, the more important it becomes to protect against the effects of inflation.
: Risk is sometimes reduced gradually as the point of needing the money approaches. That does not mean leaving the equity market entirely. A common approach is to keep part of the capital in equity funds even during withdrawals, especially if the remaining time horizon is still long.

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