{"id":4274,"date":"2026-05-27T14:06:39","date_gmt":"2026-05-27T14:06:39","guid":{"rendered":"https:\/\/stavangeram.com\/?page_id=4274"},"modified":"2026-06-03T14:34:01","modified_gmt":"2026-06-03T14:34:01","slug":"liquidity-account","status":"publish","type":"page","link":"https:\/\/stavangeram.com\/en\/liquidity-account\/","title":{"rendered":"Liquidity Account"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4274\" class=\"elementor elementor-4274\">\n\t\t\t\t<div class=\"elementor-element elementor-element-311d0b8 e-flex e-con-boxed e-con e-parent\" data-id=\"311d0b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-497bbe6 elementor-widget elementor-widget-text-editor\" data-id=\"497bbe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <strong>YOUR SAVINGS CAN WORK HARDER<\/strong><\/h2><div><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/div><p class=\"font_7 wixui-rich-text__text\" style=\"background-image: initial; background-position: 0px 0px; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border-color: currentcolor; pointer-events: auto; font: 400 16px \/ 1.5em avenir-lt-w01_35-light1475496, sans-serif; color: #141414; margin-block: 0px; margin: 0px; text-align: center;\"><strong>Norwegian banks offer about 2.75% on savings accounts. We invest liquid funds in carefully selected funds \u2014 with a historical return of 4\u20134.5%. Safe, accessible, and simple.<\/strong><\/p><div><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa72511 e-con e-atomic-element e-flexbox-base e-aa72511-9ab5d47 \" data-id=\"aa72511\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aa72511\">\n    \t\t\t<a href=\"https:\/\/stavangeram.com\/en\/contact\/\" target=\"_blank\" class=\"e-f33f684-01b94cd e-button-base\" data-interaction-id=\"f33f684\">\n\t\tGet Started\n\t<\/a>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-adb59d1 e-grid e-con-boxed e-con e-parent\" data-id=\"adb59d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"399d5f2\" class=\"e-399d5f2-f85c802 e-heading-base\">4\u20134.5%<\/h2>\n\t\t\t\t\t<h2 data-interaction-id=\"0035f23\" class=\"e-0035f23-daf86d7 e-heading-base\">2.75%<\/h2>\n\t\t\t\t\t<h2 data-interaction-id=\"52d245e\" class=\"e-52d245e-3f01b71 e-heading-base\">0.4%<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df8750d e-grid e-con-boxed e-con e-parent\" data-id=\"df8750d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<p class=\"e-2d7050d-fcce879 e-paragraph-base\" data-interaction-id=\"2d7050d\">Historical return in liquidity funds<\/p>\n\t\t\t\t\t<p class=\"e-28b0589-5859541 e-paragraph-base\" data-interaction-id=\"28b0589\">Typical savings interest rate in&nbsp;Norwegian banks today<\/p>\n\t\t\t\t\t<p class=\"e-c893045-62a6bbc e-paragraph-base\" data-interaction-id=\"c893045\">SAM\u2019s management fee<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fdc411 e-con e-atomic-element e-flexbox-base e-a6931f9 \" data-id=\"6fdc411\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6fdc411\">\n    \t\t\t<p class=\"e-9daff29-731a3a9 e-paragraph-base\" data-interaction-id=\"9daff29\"><strong>Equivalent accessibility. <\/strong><br><strong>Better returns<\/strong><br><br>Your money is available when you need it \u2014 you\u2019re not taking unnecessary risk. You simply get much more out of your money.<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0479d08 e-con e-atomic-element e-flexbox-base e-b49f6f5 \" data-id=\"0479d08\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0479d08\">\n    <div class=\"elementor-element elementor-element-3ae6a65 e-con e-atomic-element e-flexbox-base e-d21f832 \" data-id=\"3ae6a65\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3ae6a65\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"d62e76a\"><\/p>\n\t\t\t\t\t<p class=\"e-fc87e08-0ce233d e-paragraph-base\" data-interaction-id=\"fc87e08\">STANDARD SAVINGS ACCOUNT&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-fefa0f9 e-con e-atomic-element e-flexbox-base e-fefa0f9-05cb069 \" data-id=\"fefa0f9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fefa0f9\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"2c84de5\"><\/p>\n\t\t\t\t\t<p class=\"e-b7d8f8d-697b269 e-paragraph-base\" data-interaction-id=\"b7d8f8d\"><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1b0f5ce e-con e-atomic-element e-flexbox-base e-1b0f5ce-b54b8dd \" data-id=\"1b0f5ce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1b0f5ce\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"bd6a60a\"><\/p>\n\t\t\t\t\t<p class=\"e-5fd6778-fcab6bc e-paragraph-base\" data-interaction-id=\"5fd6778\">SAM LIQUIDITY ACCOUNT&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<\/p>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-fca5f92 e-con e-atomic-element e-flexbox-base e-2ed3653 \" data-id=\"fca5f92\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fca5f92\">\n    <div class=\"elementor-element elementor-element-aaf95b4 e-con e-atomic-element e-flexbox-base e-a8fc98f \" data-id=\"aaf95b4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aaf95b4\">\n    \t\t\t<h4 data-interaction-id=\"140742b\" class=\"e-140742b-cbb8b5d e-heading-base\">Bank account<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-701bebd e-con e-atomic-element e-flexbox-base e-701bebd-c1ee93b \" data-id=\"701bebd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"701bebd\">\n    \t\t\t<h6 data-interaction-id=\"d086a59\" class=\"e-heading-base\"><\/h6>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-7f08eb0 e-con e-atomic-element e-flexbox-base e-de006be \" data-id=\"7f08eb0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7f08eb0\">\n    \t\t\t<h4 data-interaction-id=\"496455c\" class=\"e-496455c-ed34142 e-heading-base\">Your liquidity account<\/h4>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-bcd0258 e-con e-atomic-element e-flexbox-base e-9fb9642 \" data-id=\"bcd0258\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bcd0258\">\n    <div class=\"elementor-element elementor-element-55a37be e-con e-atomic-element e-flexbox-base e-17bcf2b \" data-id=\"55a37be\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"55a37be\">\n    \t\t\t<h2 data-interaction-id=\"38991db\" class=\"e-38991db-08ffb12 e-heading-base\">2.75%<\/h2>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-79b86aa e-con e-atomic-element e-flexbox-base e-79b86aa-04bcc50 \" data-id=\"79b86aa\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"79b86aa\">\n    \t\t\t<h2 data-interaction-id=\"86e0e68\" class=\"e-86e0e68-1119b40 e-heading-base\"><\/h2>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-4d3a750 e-con e-atomic-element e-flexbox-base e-425f11e \" data-id=\"4d3a750\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4d3a750\">\n    \t\t\t<h2 data-interaction-id=\"1b6b72b\" class=\"e-1b6b72b-aba2ec4 e-heading-base\">4\u20134.5%<\/h2>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-7990363 e-con e-atomic-element e-flexbox-base e-d0285a5 \" data-id=\"7990363\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7990363\">\n    <div class=\"elementor-element elementor-element-dc8d1ad e-con e-atomic-element e-flexbox-base e-77c6d00 \" data-id=\"dc8d1ad\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dc8d1ad\">\n    \t\t<div class=\"elementor-element elementor-element-0b1fe00 elementor-widget__width-initial elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0b1fe00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Typical interest rate at major banks today<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Money always available<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Deposit guarantee up to NOK 2 million<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Low interest \u2014 struggles against inflation  <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interest is taxed every single year<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No compound interest advantage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> No active management<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-3d766d4 e-con e-atomic-element e-flexbox-base e-3d766d4-ad43f3d \" data-id=\"3d766d4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3d766d4\">\n    \t\t<div class=\"elementor-element elementor-element-e131e31 elementor-widget__width-initial elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e131e31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-933d49f e-con e-atomic-element e-flexbox-base e-0bac0bd \" data-id=\"933d49f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"933d49f\">\n    \t\t<div class=\"elementor-element elementor-element-a24cce2 elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a24cce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Historical return in selected liquidity funds<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Available within 2\u20133 banking days<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Very low risk profile \u2014 professionally selected<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Higher returns<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tax only upon withdrawal (new rule from 2026)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Strong compound interest effect over time<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Active portfolio management by Stavanger Asset Management<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-3522652 e-con e-atomic-element e-flexbox-base e-b00f207 \" data-id=\"3522652\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3522652\">\n    <div class=\"elementor-element elementor-element-7b7d593 e-con e-atomic-element e-flexbox-base e-1a21e01 \" data-id=\"7b7d593\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7b7d593\">\n    \t\t<div class=\"elementor-element elementor-element-edcae20 elementor-widget elementor-widget-html\" data-id=\"edcae20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@300;400;500&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n.noon-widget *{\r\n  box-sizing:border-box;\r\n  margin:0;\r\n  padding:0;\r\n}\r\n\r\n.noon-widget{\r\n  font-family:'Montserrat',sans-serif;\r\n  background:#0D0D0D;\r\n  color:#fff;\r\n  padding:1.5rem;\r\n  -webkit-font-smoothing:antialiased;\r\n}\r\n\r\n.noon-widget .legend{\r\n  display:flex;\r\n  gap:1.2rem;\r\n  margin-bottom:1.2rem;\r\n}\r\n\r\n.noon-widget .li{\r\n  display:flex;\r\n  align-items:center;\r\n  gap:.35rem;\r\n  font-size:.68rem;\r\n  color:#fff;\r\n  font-weight:500;\r\n  letter-spacing:.06em;\r\n  text-transform:uppercase;\r\n}\r\n\r\n.noon-widget .ld{\r\n  width:8px;\r\n  height:8px;\r\n  border-radius:50%;\r\n  flex-shrink:0;\r\n}\r\n\r\n.noon-widget .bars{\r\n  display:flex;\r\n  align-items:flex-end;\r\n  gap:.4rem;\r\n  height:160px;\r\n  border-bottom:1px solid rgba(255,255,255,.06);\r\n}\r\n\r\n.noon-widget .bg{\r\n  flex:1;\r\n  display:flex;\r\n  flex-direction:column;\r\n  align-items:center;\r\n  justify-content:flex-end;\r\n  height:100%;\r\n}\r\n\r\n.noon-widget .bp{\r\n  width:100%;\r\n  display:flex;\r\n  gap:3px;\r\n  align-items:flex-end;\r\n  justify-content:center;\r\n}\r\n\r\n.noon-widget .bar{\r\n  flex:1;\r\n  border-radius:3px 3px 0 0;\r\n  min-height:3px;\r\n  transition:height .5s cubic-bezier(.4,0,.2,1);\r\n}\r\n\r\n.noon-widget .bk{\r\n  background:rgba(159,181,187,.2);\r\n}\r\n\r\n.noon-widget .bn{\r\n  background:#D95F1A;\r\n}\r\n\r\n.noon-widget .lbls{\r\n  display:flex;\r\n  gap:.4rem;\r\n  margin-top:.35rem;\r\n}\r\n\r\n.noon-widget .totals{\r\n  display:grid;\r\n  grid-template-columns:1fr 1fr;\r\n  gap:.7rem;\r\n  margin-top:1.2rem;\r\n  padding-top:1.2rem;\r\n  border-top:1px solid rgba(255,255,255,.06);\r\n}\r\n\r\n.noon-widget .tl{\r\n  font-size:.6rem;\r\n  color:#fff;\r\n  text-transform:uppercase;\r\n  letter-spacing:.08em;\r\n  font-weight:500;\r\n  margin-bottom:.15rem;\r\n}\r\n\r\n.noon-widget .tl.noon-lbl{\r\n  color:#D95F1A;\r\n}\r\n\r\n.noon-widget .tv{\r\n  font-size:1.45rem;\r\n  font-weight:300;\r\n  letter-spacing:-.01em;\r\n}\r\n\r\n.noon-widget .tv.bank{\r\n  color:#fff;\r\n}\r\n\r\n.noon-widget .tv.noon{\r\n  color:#D95F1A;\r\n}\r\n\r\n.noon-widget .sr{\r\n  margin-top:.9rem;\r\n  display:flex;\r\n  align-items:center;\r\n  gap:.65rem;\r\n}\r\n\r\n.noon-widget .sl{\r\n  font-size:.65rem;\r\n  color:#fff;\r\n  white-space:nowrap;\r\n  font-weight:500;\r\n  text-transform:uppercase;\r\n  letter-spacing:.06em;\r\n}\r\n\r\n.noon-widget input[type=range]{\r\n  flex:1;\r\n  -webkit-appearance:none;\r\n  height:2px;\r\n  background:rgba(255,255,255,.1);\r\n  border-radius:2px;\r\n  outline:none;\r\n  cursor:pointer;\r\n}\r\n\r\n.noon-widget input[type=range]::-webkit-slider-thumb{\r\n  -webkit-appearance:none;\r\n  width:13px;\r\n  height:13px;\r\n  border-radius:50%;\r\n  background:#D95F1A;\r\n  cursor:pointer;\r\n}\r\n\r\n.noon-widget .sv{\r\n  font-size:.75rem;\r\n  font-weight:500;\r\n  color:#fff;\r\n  min-width:4ch;\r\n  text-align:right;\r\n}\r\n\r\n.noon-widget .note{\r\n  font-size:.58rem;\r\n  color:rgba(255,255,255,.55);\r\n  margin-top:.8rem;\r\n  line-height:1.5;\r\n  font-weight:300;\r\n}\r\n<\/style>\r\n\r\n<div class=\"noon-widget\">\r\n\r\n  <div class=\"legend\">\r\n    <div class=\"li\">\r\n      <div class=\"ld\" style=\"background:rgba(159,181,187,.35)\"><\/div>\r\n      Bank Savings Account\r\n    <\/div>\r\n\r\n    <div class=\"li\">\r\n      <div class=\"ld\" style=\"background:#D95F1A\"><\/div>\r\n      SAM Liquidity Fund\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"bars\" id=\"bars\"><\/div>\r\n  <div class=\"lbls\" id=\"lbls\"><\/div>\r\n\r\n  <div class=\"totals\">\r\n    <div>\r\n      <div class=\"tl\">Bank after <span id=\"yl\">10<\/span> years<\/div>\r\n      <div class=\"tv bank\" id=\"bv\">\u2014<\/div>\r\n    <\/div>\r\n\r\n    <div>\r\n      <div class=\"tl noon-lbl\">With SAM after <span id=\"yl2\">10<\/span> years<\/div>\r\n      <div class=\"tv noon\" id=\"nv\">\u2014<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sr\">\r\n    <span class=\"sl\">Amount:<\/span>\r\n    <input type=\"range\" id=\"amt\" min=\"1\" max=\"11\" step=\"1\" value=\"5\">\r\n    <span class=\"sv\" id=\"al\">500k<\/span>\r\n  <\/div>\r\n\r\n  <div class=\"sr\">\r\n    <span class=\"sl\">Years:<\/span>\r\n    <input type=\"range\" id=\"yr\" min=\"1\" max=\"15\" step=\"1\" value=\"10\">\r\n    <span class=\"sv\" id=\"yl3\">10 years<\/span>\r\n  <\/div>\r\n\r\n  <p class=\"note\">\r\n    Illustrative calculation. 2.75% bank interest (22% tax paid annually)\r\n    versus 4.2% SAM net return after fees with tax-deferred compounding.\r\n    Past performance is not a guarantee of future results.\r\n  <\/p>\r\n\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n\r\nconst amts=[100,200,300,500,750,1000,1500,2000,3000,5000,10000];\r\nconst aLbl=['100k','200k','300k','500k','750k','1M','1.5M','2M','3M','5M','10M'];\r\n\r\nfunction bank(p,y){\r\n  let v=p;\r\n  for(let i=0;i<y;i++){\r\n    v+=v*0.0275*(1-0.22);\r\n  }\r\n  return v;\r\n}\r\n\r\nfunction noon(p,y){\r\n  return p*Math.pow(1.038,y);\r\n}\r\n\r\nfunction fmt(v){\r\n  if(v>=1000000){\r\n    return (v\/1000000).toFixed(2)+'M';\r\n  }\r\n  return Math.round(v\/1000)+'k';\r\n}\r\n\r\nfunction go(){\r\n\r\n  const y=+document.getElementById('yr').value;\r\n  const ai=+document.getElementById('amt').value-1;\r\n  const p=amts[ai]*1000;\r\n\r\n  document.getElementById('yl').textContent=y;\r\n  document.getElementById('yl2').textContent=y;\r\n  document.getElementById('yl3').textContent=y+' years';\r\n  document.getElementById('al').textContent=aLbl[ai];\r\n\r\n  const steps=Math.min(5,y);\r\n  const ms=[];\r\n\r\n  for(let i=1;i<=steps;i++){\r\n    ms.push(Math.round(i\/steps*y));\r\n  }\r\n\r\n  const vals=ms.map(m=>({\r\n    m,\r\n    b:bank(p,m),\r\n    n:noon(p,m)\r\n  }));\r\n\r\n  const mx=Math.max(...vals.map(v=>v.n));\r\n\r\n  const ba=document.getElementById('bars');\r\n  const la=document.getElementById('lbls');\r\n\r\n  ba.innerHTML='';\r\n  la.innerHTML='';\r\n\r\n  vals.forEach(({m,b,n})=>{\r\n\r\n    const bh=Math.max(3,Math.round(b\/mx*140));\r\n    const nh=Math.max(3,Math.round(n\/mx*140));\r\n\r\n    const g=document.createElement('div');\r\n    g.className='bg';\r\n\r\n    g.innerHTML=\r\n      '<div class=\"bp\">' +\r\n      '<div class=\"bar bk\" style=\"height:'+bh+'px\"><\/div>' +\r\n      '<div class=\"bar bn\" style=\"height:'+nh+'px\"><\/div>' +\r\n      '<\/div>';\r\n\r\n    ba.appendChild(g);\r\n\r\n    const l=document.createElement('div');\r\n    l.style.cssText='flex:1;text-align:center;font-size:.6rem;color:rgba(255,255,255,.7);font-family:Montserrat';\r\n    l.textContent='Year '+m;\r\n\r\n    la.appendChild(l);\r\n  });\r\n\r\n  document.getElementById('bv').textContent='$'+fmt(bank(p,y));\r\n  document.getElementById('nv').textContent='$'+fmt(noon(p,y));\r\n}\r\n\r\ndocument.getElementById('yr').addEventListener('input',go);\r\ndocument.getElementById('amt').addEventListener('input',go);\r\n\r\ngo();\r\n\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-dc4b617 e-con e-atomic-element e-flexbox-base e-92e415c \" data-id=\"dc4b617\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dc4b617\">\n    \t\t\t<h4 data-interaction-id=\"a716442\" class=\"e-heading-base\">Compound interest<\/h4>\n\t\t\t\t\t<h2 data-interaction-id=\"afe71f3\" class=\"e-heading-base\"><\/h2>\n\t\t\t\t\t<h3 data-interaction-id=\"a6087c2\" class=\"e-heading-base\">Interest that earns interest<\/h3>\n\t\t\t\t\t<h6 data-interaction-id=\"40e2290\" class=\"e-40e2290-3374140 e-heading-base\"><br><br>Imagine you deposit NOK 500,000. After one year, you\u2019ve earned some interest. The next year, you earn interest on that interest too \u2014 and it continues like that, year after year.\u200b<br><br>The problem with a regular savings account is that you pay tax on the interest every single year. Money that should keep working for you instead goes to the tax authorities.<br>\u200b<br>In a liquidity fund \u2014 with the new tax rules from 2026 \u2014 you don\u2019t pay tax until you actually withdraw the money. All the interest remains invested and continues working for you the entire time.\u200b<br><br>On NOK 500,000 over 10 years, the combined effect of higher returns and the tax advantage can amount to hundreds of thousands of kroner extra in your pocket.<\/h6>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-52a177a e-flex e-con-boxed e-con e-parent\" data-id=\"52a177a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9657b98 elementor-widget elementor-widget-heading\" data-id=\"9657b98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\nYou don\u2019t pay tax until you withdraw the money<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d4f092 e-flex e-con-boxed e-con e-parent\" data-id=\"7d4f092\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d3305d elementor-widget elementor-widget-heading\" data-id=\"4d3305d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">\nFrom 2026, a highly favorable rule applies: returns from bond funds are not taxed on an ongoing basis. You decide when the tax is due \u2014 and that changes everything.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0342541 e-con e-atomic-element e-flexbox-base e-4baee09 \" data-id=\"0342541\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0342541\">\n    <div class=\"elementor-element elementor-element-7010945 e-con e-atomic-element e-flexbox-base e-b0047dd \" data-id=\"7010945\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7010945\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"97b685e\">Bank savings account \u2014 as it has always been<br><br>If you earn NOK 15,000 in interest this year, you pay tax on that money the same year. The money is out of the interest cycle forever.<br><br>It\u2019s like picking apples from the tree every year and eating half of them immediately<br> \u2014 the tree never grows to its full size.All interest income is taxed continuously<br> \u2014 every single year, without exception.<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-5e76d64 e-con e-atomic-element e-flexbox-base e-cb95a9c \" data-id=\"5e76d64\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5e76d64\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"ef002f3\">SAM Liquidity Account \u2014 new rule from 2026<br><br>Your interest remains in the fund and continues to earn interest. You don\u2019t pay tax until you actually choose to withdraw money.<br><br>It\u2019s like letting all the apples grow on the tree until it\u2019s full \u2014 and then harvesting everything at once, on your own terms.Tax is deferred until withdrawal. All interest works for you \u2014 all the way until you want to access it.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-undefined-4512615 e-flex e-con-boxed e-con e-parent\" data-id=\"undefined-4512615\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-146efaa elementor-widget__width-inherit elementor-widget elementor-widget-toggle\" data-id=\"undefined-146efaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2451\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2451\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is a liquidity fund, really?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2451\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2451\"><p>A liquidity fund is a fund that invests in short-term, low-risk fixed-income securities \u2014 typically loans to solid banks, municipalities, and large companies with very short maturities. It\u2019s not an equity fund. Its value does not fluctuate with the stock market. Think of it as a well-managed place where your money continuously earns solid interest, without you having to do anything at all.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2452\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2452\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is my money safe?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2452\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2452\"><p>Liquidity funds have a well-documented and very low risk profile. They are not bank deposits and are not covered by the government deposit guarantee, but the risk of loss in a well-diversified, high-quality liquidity fund has historically been very low. Still, it\u2019s important to understand that all investments carry some level of risk \u2014 there is no such thing as a completely risk-free investment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2453\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2453\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can returns become negative?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2453\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2453\"><p>In theory, yes \u2014 if market interest rates rise quickly, the price of the bonds in the fund may temporarily fall (interest rates and prices move in opposite directions). A company in the portfolio could also default on its debt. In practice, this is very rare for well-diversified, high-quality liquidity funds with short maturities. The risk is fundamentally different \u2014 and much lower \u2014 than in equity or bond funds. A bank account, on the other hand, can have negative real returns after inflation, even if the nominal balance never decreases.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2454\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2454\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I withdraw my money whenever I want?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2454\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2454\"><p>Yes. Liquidity funds are specifically designed for quick access to your funds. Withdrawals typically take 2\u20133 banking days. This is slightly longer than transferring money between bank accounts, but not something that meaningfully affects your day-to-day life.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2455\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2455\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does SAM do \u2014 can\u2019t I just buy a fund myself?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2455\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2455\"><p>You can \u2014 but SAM performs thorough analysis and builds a portfolio of the best liquidity funds based on interest rates, credit quality, diversification, and costs. In other words, you don\u2019t just get a single fund, but a carefully constructed combination optimized for risk-adjusted returns. The portfolio is continuously monitored and rebalanced, for a management fee of just 0.4% per year.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2456\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2456\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does the new tax rule from 2026 mean in practice?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2456\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2456\"><p>Starting from the 2026 tax year, returns from fixed-income funds (including liquidity funds) will no longer be taxed annually. Instead, tax is calculated and paid only when you realize gains \u2014 meaning when you withdraw money from the fund. This creates a powerful compounding effect, because the full return remains invested and work for you until you choose to withdraw it. The rule has been adopted by the Norwegian parliament and takes effect from 2026.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a liquidity fund, really?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A liquidity fund is a fund that invests in short-term, low-risk fixed-income securities \\u2014 typically loans to solid banks, municipalities, and large companies with very short maturities. It\\u2019s not an equity fund. Its value does not fluctuate with the stock market. Think of it as a well-managed place where your money continuously earns solid interest, without you having to do anything at all.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is my money safe?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Liquidity funds have a well-documented and very low risk profile. They are not bank deposits and are not covered by the government deposit guarantee, but the risk of loss in a well-diversified, high-quality liquidity fund has historically been very low. Still, it\\u2019s important to understand that all investments carry some level of risk \\u2014 there is no such thing as a completely risk-free investment.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Can returns become negative?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In theory, yes \\u2014 if market interest rates rise quickly, the price of the bonds in the fund may temporarily fall (interest rates and prices move in opposite directions). A company in the portfolio could also default on its debt. In practice, this is very rare for well-diversified, high-quality liquidity funds with short maturities. The risk is fundamentally different \\u2014 and much lower \\u2014 than in equity or bond funds. A bank account, on the other hand, can have negative real returns after inflation, even if the nominal balance never decreases.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Can I withdraw my money whenever I want?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. Liquidity funds are specifically designed for quick access to your funds. Withdrawals typically take 2\\u20133 banking days. This is slightly longer than transferring money between bank accounts, but not something that meaningfully affects your day-to-day life.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What does SAM do \\u2014 can\\u2019t I just buy a fund myself?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>You can \\u2014 but SAM performs thorough analysis and builds a portfolio of the best liquidity funds based on interest rates, credit quality, diversification, and costs. In other words, you don\\u2019t just get a single fund, but a carefully constructed combination optimized for risk-adjusted returns. The portfolio is continuously monitored and rebalanced, for a management fee of just 0.4% per year.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What does the new tax rule from 2026 mean in practice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Starting from the 2026 tax year, returns from fixed-income funds (including liquidity funds) will no longer be taxed annually. Instead, tax is calculated and paid only when you realize gains \\u2014 meaning when you withdraw money from the fund. This creates a powerful compounding effect, because the full return remains invested and work for you until you choose to withdraw it. The rule has been adopted by the Norwegian parliament and takes effect from 2026.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d489226 e-con e-atomic-element e-flexbox-base e-5220355 \" data-id=\"d489226\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d489226\">\n    <div class=\"elementor-element elementor-element-2d8c61e e-con e-atomic-element e-flexbox-base e-5bc518e \" data-id=\"2d8c61e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2d8c61e\">\n    \t\t\t<h1 data-interaction-id=\"b30349b\" class=\"e-b30349b-6704d6f e-heading-base\">01<\/h1>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-d64a509 e-con e-atomic-element e-flexbox-base e-e418531 \" data-id=\"d64a509\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d64a509\">\n    \t\t\t<h1 data-interaction-id=\"33cef7a\" class=\"e-33cef7a-5ec1f71 e-heading-base\">02<\/h1>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-a4f46ab e-con e-atomic-element e-flexbox-base e-bb23c5f \" data-id=\"a4f46ab\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a4f46ab\">\n    \t\t\t<h1 data-interaction-id=\"84676c5\" class=\"e-84676c5-f425374 e-heading-base\">03<\/h1>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-36adacf e-con e-atomic-element e-flexbox-base e-36adacf-8043e05 \" data-id=\"36adacf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"36adacf\">\n    \t\t\t<h1 data-interaction-id=\"a166324\" class=\"e-a166324-5635146 e-heading-base\">04<\/h1>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-edba43b e-con e-atomic-element e-flexbox-base e-edba43b-07bc9dc \" data-id=\"edba43b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"edba43b\">\n    <div class=\"elementor-element elementor-element-6ffae36 e-con e-atomic-element e-flexbox-base e-6ffae36-f635861 \" data-id=\"6ffae36\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6ffae36\">\n    \t\t\t<h4 data-interaction-id=\"9c1d43c\" class=\"e-9c1d43c-b2ad723 e-heading-base\">You tell us<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-6479a88 e-con e-atomic-element e-flexbox-base e-6479a88-0d61f03 \" data-id=\"6479a88\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6479a88\">\n    \t\t\t<h4 data-interaction-id=\"988e69d\" class=\"e-988e69d-91dab91 e-heading-base\">We analyze<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-a3a4cee e-con e-atomic-element e-flexbox-base e-a3a4cee-112226c \" data-id=\"a3a4cee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a3a4cee\">\n    \t\t\t<h4 data-interaction-id=\"ebeea5c\" class=\"e-ebeea5c-e4f9279 e-heading-base\">Your money gets to work<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-f5fa2e5 e-con e-atomic-element e-flexbox-base e-f5fa2e5-08c33e4 \" data-id=\"f5fa2e5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f5fa2e5\">\n    \t\t\t<h4 data-interaction-id=\"60d342c\" class=\"e-60d342c-7d3e6bd e-heading-base\">You stay in control<\/h4>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-c92f38b e-con e-atomic-element e-flexbox-base e-c92f38b-932a811 \" data-id=\"c92f38b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c92f38b\">\n    <div class=\"elementor-element elementor-element-7c7ed0f e-con e-atomic-element e-flexbox-base e-7c7ed0f-6311b31 \" data-id=\"7c7ed0f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7c7ed0f\">\n    \t\t\t<h4 data-interaction-id=\"7fe81c7\" class=\"e-7fe81c7-f6bf78f e-heading-base\">How much liquid capital you want to invest, and your time horizon<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-bdb0928 e-con e-atomic-element e-flexbox-base e-bdb0928-4dcc143 \" data-id=\"bdb0928\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bdb0928\">\n    \t\t\t<h4 data-interaction-id=\"4935021\" class=\"e-4935021-b58a90a e-heading-base\">We select the optimal combination of liquidity funds tailored to your situation and risk appetite.<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-599fb18 e-con e-atomic-element e-flexbox-base e-599fb18-750f17f \" data-id=\"599fb18\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"599fb18\">\n    \t\t\t<h4 data-interaction-id=\"cd44d36\" class=\"e-cd44d36-7e9601e e-heading-base\">You approve the mandate, and the funds are invested. From then on, they continuously work for you.<\/h4>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-95d7efc e-con e-atomic-element e-flexbox-base e-95d7efc-494b0a1 \" data-id=\"95d7efc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"95d7efc\">\n    \t\t\t<h4 data-interaction-id=\"d3dbbe1\" class=\"e-d3dbbe1-42807ea e-heading-base\">Through our portal, you can track returns, portfolio, and performance. Withdraw whenever you want \u2014 it\u2019s your money.<\/h4>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-aa2d138 e-flex e-con-boxed e-con e-parent\" data-id=\"aa2d138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5733685 elementor-widget elementor-widget-text-editor\" data-id=\"5733685\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/h2><div id=\"comp-mo1ggiir\" class=\"N8MGzv _v6ohL ZS_qLz PO9MfV comp-mo1ggiir wixui-rich-text\" data-testid=\"richTextElement\"><h2 class=\"font_2 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\"><span class=\"color_41 wixui-rich-text__text\">Price<\/span><\/span><\/h2><\/div><div id=\"comp-mo1gjbvu\" class=\"N8MGzv _v6ohL ZS_qLz PO9MfV comp-mo1gjbvu wixui-rich-text\" data-testid=\"richTextElement\"><div id=\"comp-mo1gjbvu\" class=\"N8MGzv _v6ohL ZS_qLz PO9MfV comp-mo1gjbvu wixui-rich-text\" data-testid=\"richTextElement\"><h2 class=\"font_2 wixui-rich-text__text\"><span class=\"color_36 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">One simple price. Nothing else.<\/span><\/span><\/h2><\/div><div id=\"comp-mo012jbc6\" class=\"N8MGzv _v6ohL ZS_qLz PO9MfV comp-mo012jbc6 wixui-rich-text\" data-testid=\"richTextElement\"><h1 class=\"font_8 wixui-rich-text__text\"><strong><span class=\"wixui-rich-text__text\"><span class=\"color_36 wixui-rich-text__text\">0.4%<\/span><\/span><\/strong><\/h1><p class=\"font_8 wixui-rich-text__text\"><strong><span class=\"wixui-rich-text__text\"><span class=\"inherit-font-size wixui-rich-text__text\">\u200b<\/span><\/span><\/strong><\/p><\/div><div id=\"comp-mo1gm39s\" class=\"N8MGzv _v6ohL ZS_qLz PO9MfV comp-mo1gm39s wixui-rich-text\" data-testid=\"richTextElement\"><p class=\"font_8 wixui-rich-text__text\"><strong><span class=\"wixui-rich-text__text\"><span class=\"color_41 wixui-rich-text__text\">Annual management fee \u2014 all inclusive.<br class=\"wixui-rich-text__text\" \/>No hidden fees. No lock-in period. No surprises.<\/span><\/span><\/strong><\/p><\/div><\/div><div>\u00a0<\/div><p style=\"background-image: initial; background-position: 0px 0px; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; border-color: currentcolor; pointer-events: auto; font: 400 16px \/ 1.5em avenir-lt-w01_35-light1475496, sans-serif; color: #141414; margin-block: 0px; margin: 0px; text-align: center;\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<a href=\"https:\/\/stavangeram.com\/en\/contact\/\" target=\"_blank\" class=\"e-e1efd57-2d109a2 e-button-base\" data-interaction-id=\"e1efd57\">\n\t\tGet Started\n\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1e4e04 e-grid e-con-full e-con e-parent\" data-id=\"a1e4e04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"995bd9a\"><\/p>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"8f25824\"><strong>Important Information:<\/strong> Past performance is not a guarantee of future returns. Investments in funds involve risk, including the possible loss of invested capital. Liquidity funds are not bank deposits and are not covered by the Norwegian deposit guarantee scheme. The government deposit guarantee covers bank deposits up to NOK 2 million per depositor per bank.The information on this page is general in nature and should not be considered individual investment advice. Information about tax rules is general and may change; consult a tax advisor for your specific situation. Interest rate figures are illustrative and based on historical observations \u2014 they do not indicate guaranteed future returns. SAM is supervised by the Norwegian Financial Supervisory Authority (Finanstilsynet).<\/p>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7057b8f e-flex e-con-boxed e-con e-parent\" data-id=\"7057b8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 YOUR SAVINGS CAN WORK [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-4274","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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