Fonds / Fondovi

Last couple of months I have started saving in different funds. The problem I experience is that I cannot buy foreign stocks on my Swedish accounts because I do not live in Sweden and thus funds have became the only way I can diversify my portfolio towards a more global spread. But also, I do not have the time to check separate stocks and I feel that a fund is a good way to get stocks that I like.
I decided on funds that are not having a very high management fees (except the Ny teknik -fund that has it). Having these funds I actually get access to companies like Alibaba, Samsung , Alphabet (Google), FB, Investor and so on.

So the funds I am regularly buying are (management fees in %):

  • SEB Sverigefond (1.4%),
  • Spiltan Aktiefond Investmentbo (0.27%),
  • Swedbank Robur Access Asien (0,2%),
  • Swedbank Robur Access Global (0,27%),
  • Swedbank Robur Ny teknik (1,36%) and
  • Spiltan räntefond Sverige (0,24%).

The Räntefond is a bond fund that I hope will be a little like an airbag in case of a stockmarket crash.

Funny now, when making this list I noticed that I am buying the wrong fond SEB Sverigefond instead of SEB Sverige Indexfond that costs 0.42% in management fee instead of 1.4%, but also I should probably start relocating some of the savings to the more stable bond funds.
The minimal sum of investing is 10 Euro and there is no brokerage fee when buying funds (in Sweden).
These are also not a recommendation but everyone has to make their own choice of which stocks or funds to buy.

Here is a fun page where you can enter how much money you save and the effect of the compound effect has on your saving.

Posljednih par mjeseci sam počela štediti u različite fondove. Problem koji doživljavam jeste da ne mogu kupovati inostrane dionice na mojim švedskim računima, jer ne živim u Švedskoj i stoga su fondovi postali jedini način na koji mogu diverzifikovati moj portfolio da bude više globalnog izgleda. Odlučila sam kupovati fondove koje nisu skupe u menedžmentu fonda (osim Ny teknik fond). Imajući ove fondove, imam udio u firme poput Alibaba, Samsung, Alphabet (Google), FB, Invesor i tako dalje. Dakle, sredstva koja redovno kupujem su (naknade za upravljanje u %):

  • SEB Sverigefond (1.4%),
  • Spiltan Aktiefond Investmentbo (0.27%),
  • Swedbank Robur Access Asien (0,2%),
  • Swedbank Robur Access Global (0,27%),
  • Swedbank Robur Ny teknik (1,36%) and
  • Spiltan räntefond Sverige (0,24%).

Räntefond je kamatni fond koji (se nadam) treba biti poput airbaga u slučaju pada na berzi.

Smiješno, sad vidim kad sam pisala listu da kupujem pogrešan fond!  SEB Sverigefond, koji košta 1.4%,  umjesto SEB Sverige indexfond koji košta 0,42% godišnje. Najvjerovatnije bih trebala početi prebacivati neke štednje u stabilnije kamatne fondove.
Najmanji ulog za kupovinu fondovoa je 100 kr (ca. 10 eura) i nema courtage koštanje, zato je dobro redovno štediti u fondovima.
Ovo nisu prijedlozi nekome za kupovinu, nego samo fondovi koje ja sama kupujem. Svako mora za sebe odlučiti šta će i ako će kupiti.

Ovdje možete da izračunate koji udar ima kamata na vašu dugoročnu štednju.

Hope / Nada

A healthy man has thousands of wishes, a sick man has only one…After having have experienced the worst month and a half ever it has made me think of myself. Last week I got tonsilitis, otitis a headache from hell where I had the feeling that my head will literally explode. No painkillers helped. My balance crashed, the fever was high no matter what I took. I dehydrated, I puked so finally the emergency docs had to come to check me up. My ligaments where hurting. I was lying for days in the bed. Whining of pain. sleeping and not sleeping. I don’t even know anymore. In all this misery I wondered how do people having much more serious health problems motivate themselves?

For the first time in weeks I felt good enough to get out from the apartment. It felt wonderful! This simple thing to take a walk is just magic. Unfortunately it is not in Hagapark or at the magic place in Ade in Krupa but still. It is good enough. Today, I had a walk in a small forest and felt hope when I saw the anemones. I am almost through this illness and I am lucky I made it. It is almost over. The spring is back! I am back…I hopeZdrav čovjek ima hiljade želja, a bolestan samo jednu … Nakon što sam doživjela najgorih mjesec i po dana otka znam za sebe, navelo me da razmislim malo o sebi. Prošle nedjelje sam dobila gnojnu aginu, upalu usiju, glavobolju iz pakla gdje sam imala osećaj da će mi glava bukvalno eksplodirati. Nijedan lijek protiv bolova nije pomogao. Moj balans se poremetio, temperatura je bila visoka bez obzira koje lijekove sam uzela. Dehidrirala sam se, tako da je na kraj doktor iz hitne dosao da me provjeri. Zglobovi su me bolili. Lezala sam danima u krevetu. Plakala sam od bolova. Spavala sam a i nisam. Vise i sama ne znam. U cijeloj ovoj situaciji sam se pitala kako se ljudi, koji imaju mnogo ozbiljnije zdravstvene probleme, motivišu?

Po prvi put u zadnjih par sedmica sam se osjećala dovoljno dobro da izađem iz stana. Bilo je divno! Jedna obicna stvar poput šetnje moze da bude poput magije. Nažalost,setnja nije bila u Hagaparku ili na čarobnom mjestu na Adama u Krupi, ali ipak dovoljno za sad. Prošetala sam malo kroz šumu i osjećala sam nadu kada sam vidjelao anemone. Skoro sam prevazisla ovu bolest i mogu reci da sam sretna za to. Skoro je gotovo. Proljeće se vratilo! Vratila sam se i ja… nadam se

Nationality / Nacionalnost

Sometimes one gets surprised how fabulous kids are. Me and Ensar where talking with Ada about a new girl in their kindergarden. We have heard she has an exotic name and thus asked Ada if the girl is turkish or arabic. Ada looked confused at us and said: She is just a little girl.
Me and Ensar looked at each other and where so fascinated. Ada has no concept of nationalities. For her there is no “turkish or arabic girl” there is just  ” a girl”. I will do my best that it stays like that as long as possible.
This made me think of one of my favorit songs Imagine of John Lennon.

Ponekad se pravo začudim kako su djeca fantastična. Ensar i ja smo pričali sa Adom o jednoj novoj djevojčici u vrtiću. Pročitali smo da ima jedno, nama nepoznato, egzotično ime te smo je pitali ako je curica turkinja ili arapkinja. Ada nas je zbunjeno pogledala i rekla : Ona je samo djevojčica.
Ensar i ja smo se fascinirano pogledali. Ada nema nikakav koncept nacionaliteta. Za nju ne postoji turska ili arapska djevojčica. Za nju postoji samo djevojčica. Potrudiću se da tako što duže ostane.
To me podsjetilo na jednu od mojih omiljenih pjesama “Imagine” od John Lennona.

 

Dobel tobogganing / Sankanje u Dobelu

Last night the snow started falling and when Ada saw it she immediately made us promise to go tobogganing with her today if there is any snow left. So in the morning she was excited about getting ready for tobogganing. We didn’t really find a place for it so we ended up in a small village called Dobel. They had the perfect hill for tobogganing beginners.

Sinoć kad je snijeg poćeo padati i kad ga Ada vidjela odmah nas je nagovorila da sutradan (danas) odemo na sankanje ako bude snijega. Tako da ujutru kad je ustala i vidjela da je čak više snijega nego sinoć sva se uzbudila zbog sankanja. Malo nam je potrajalo dok smo našli mjesto za sankanje, čak što više smo završili u nekom malom selu Dobel. Imali su perfektno brdašce za početnike sankanja.

Flu from hell!/ Gripa iz pakla!

I am sooo fed up with the colds, stomach viruses, bronchitis, the flu from hell and on top of that pneumonia and otitis. Since Thursday I have mostly spent my time taking care of Ada. She was having high fever and hurting joints. On Sunday I felt she got better, at least the high fever was gone.
Having sleep depriviation I hoped for at least one night with some good sleep. Well, I hoped too much! In the night Ada was screaming of pain. It was freaking me out. It took me long time to find out that she has pain in the ears because she was just crying and screaming not telling me what the problem was. At least ibuprofen helped!

Then came Monday and Ensar that was supposed to go to US early in the morning was in such a bad shape (pneumonia and otitis) he had to cancel the trip and now he has to stay at home the whole week.

After having left Adrian in the kindergarten, Ada wanted to go t o a museum. (Un)fortunately, museums are closed in mondays So we strolled around and went for a delicious icecream. Tomorrow is a new day and a new beginning.

Dosta mi je prehlade, stomačnih virusa, bronhitisa, gripa iz pakla i na vrh svega upala pluća i ušiju.
Od četvrtka sam uglavnom provodila svoje vrijeme vodeći računa o Adi.
Imala je visoku temperature, groznicu i bol u zglobovima. U nedjelju mi se činila bolje pa sam se ponadala barem jednoj mirnoj noći gdje se mogu fino naspavati.
Međutim, Ada je u po noći poćela vrištati od bolova i nikako je nisam mogla smiriti da mi kaže šta je.
Nakon jedne vjećnosti sam skontala da je uši bole. Barem je ibuprofen pomogao!
Onda je došao ponedjeljak, kad je Ensar trebao letiti u Ameriku. Ali kad sam ga vidjela ujutru bio je u tako lošem stanju da je morao je otkazati put, a sad mu valja biti kod kuće cijelu sedmicu.
Nakon što je smo odvezli Adriana u vrtić, Ada je htjela da idemo u muzej. Nažalost, muzeji su zatvoreni ponedjeljkom, tako da smo malo šetale u okolini muzeja i onda smo se počastile sa predobrim sladoledom (i cappuccinom).
A za sutra vrijedi parola novi dan, novi početak.

Photo course / Kurs fotografije

One of the things on my bucketlist is to attend a photo course. I hope to capture some better pictures and learn some of the thousand settings one has on a system camera. Today, we had an excursion and tried  to learn more  about auto  focus vs manual  focus. We got a couple of tasks to fulfil and I have to admit that I found it quite difficult. When you see the pictures do you get what I was supposed to do 😀

Jedna od stvarih koju napokon mogu podvući (ne mogu je skroz skloniti, još sam u toku) na mojoj listi stvari što hoću da uradim je kurs fotografije. Prijavila sam se i jućer smo imali prvu “ekskurziju”. Cilj nam je bio uslikati dva objekta da budu  različitom dubinom. Drugi zadatak nam je bio uslikati sliku kroz neku ogradu da skontamo kako razne vrste autofokusa funkcionisu. Treći zadatak nam je bio tri objekta sa raznom dubinom slikati. To mi je najteže bilo. Četvrti  zadatak je bio kroz neki objekat slikati. kao npr. rupa za ključeve ili slično. A peti je bio uslikati nešto u pokretu. Iako je sve lako zvučalo moram priznati da je bilo teže nego što sam mislila. Izgleda ništa od karijere kao profesionalni fotograf 😛

Insektopia

Europe’s largest collection of insects was having an exhibition in Karlsruhe, so I just had to go to check it out. Did you know  that  the centipede has “just” 750 feet? Ada was very brave and touched it!
Who would have believed that the wasps are  the most  dangerous  insects  of you look to the number of deaths  it causes? 20 000 people it kills per year!!  One always learns something new when visiting this kind of places 🙂

Najveća kolekcija insekata su imali izložbu u Karlsruhe, tako da smo morali otici tamo i provjeriti to. Znate li da stonoga ima 750 nogu? Ada je bila hrabra i čak je dodirnula jednu.
Isto tako ko bi rekao da su ose najopasniji insekt ako gledaš broj prouzrokovanih smrtnih slučajeva? Čitavih 20 000 ljudi ubije godišnje! Uvijek se nešto nauči na ovakvim mjestima 🙂

10 % Entrepreneur / 10% Poduzetnik

In the “The 10 % Entrepreneur” (Patrick J. McGinnis) I found the idea of being a 10 % entrepreneur quite interesting. Usually we hear about people that have given up everything to do what they love. They get so successful that they earn millions and millions… but  how many of these do You really know?
Since, most of the people do not want to leave the safety line they have, the concept of having both a job AND being an entrepreneur is fitting to most of the peoples lives.
The book was interesting but I felt there where many generalizations like; surround  yourself  with right (successful) people, work hard, find the opportunity , you can be an investor and so on.
So if you want a comprehensive step-by-step plan on what actions to do to become an entrepreneur, than this is not the book for you.
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U “10% poduzetnik” (Patrick J. McGinnis) smatram da je ideja da budeš 10% poduzetnik prilično interesantna. Obično se čuje za uspješne ljude koji su odustali od svega da bi radili ono što vole.  Postali su toliko uspješni da zarađuju milione … ali koliko takvih stvarno poznajete?
S obzirom da većina ljudi ne želi da napusti sigurnost koju imaju, koncept imati i posao i biti poduzetnik odgovara većini ljudi.
Knjiga je zanimljiva, ali smatram da je bilo mnogo generalizacija kao npr.  okružite se tačnim (uspješnim) ljudima, uporno radite, pronalazite prilike, možete biti investitor.
Dakle, ako želite detaljni sveobuhvatni plan koji će vam korak po korak pokazati šta treba učiniti da postanete poduzetnik, onda ovo nije knjiga za vas.

First kiss / Prvi poljubac

Today, I melted when Adrian kissed me on purpose. He understood that I got very happy of his kisses so he kissed me a couple of times why laughing 🙂 Now he is sending me kisses the whole time. So cuuuute 😀
The time flies by so fast!  It feels like yesterday that he was born and now he is walking and trying to talk.  I just want to cuddle with him but already now he is enjoys more to walk around and explore the world. I guess I will have to “steal” the cuddle time when he expects it at least
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I tako mene sin prvi put poljubi. I to me pravo cmoknuo. Ja sam se istooopila. Razumio je da meni bude drago i onda me posuo poljubcima dok se smijao 🙂 I sad kad zna kako slati poljubce salje mi puse citavo vrijeme. Preslatko 😀
Vrijeme tako brzo prolazi. Osjeca se kao da se jucer rodio a sad vec hoda i probava pricati. A ja bih se samo mazila sa njim ali vec nece nego radije hoda i izucava svijet. Sad cu morati “krasti” momente da se malo pomazimo kad najmanje ocekuje 🙂

Skating / Šlicuranje

Inspired as we (Ada) are from Frozen and the fact that Ada got skates from her auntie, she badly wanted to go skating last weekend..
Theoretically, I wanted it too BUT last time I had been skating is some 20 years ago. And I was not good in skating back then either. So my fear was to break my legs and make a disaster show in public instead of simply showing Ada how to skate.
Then I forced myself to come a little bit outside my comfort zone… and I loved it 🙂
I felt like the ice queen at least Ada looked at me like that. People around us probably  saw a person more like Bambi on ice. Who cares though! We had fun 🙂
Our fan club / Naši navijači 🙂
Inspirisane kako jesmo (bolje reći kako je Ada inspirisana) od Ledene Kraljice i činjenica da je dobila šlicure od svoje tetke, htjela je da ide na šlicuranje prošlog vikenda..
Teoretski, sam i ja htjela ALI zadnji put kad sam se šlicurala je prije nekih 20 godina a ni tad nisam bila dobra u tome. Strah me zato bio da slomim noge i napravim neki mega haos među narodom umjesto da u miru pokažem Adi kako se šlicurati.
Natjerala sam sebe da izađem malo iz svoje komforne zone i mogu reći da sam uživala u tome.
Osajećala sam se kao Ledena Kraljica, tako me Ada gledala, iako je su ljudi oko nas najvjerovatnije gledale osobu koja liči na Bambi na ledu.
Ali koga briga. Bitno je da nam je bilo super 🙂