Economy/ ekonomija

2019 Summary of my stock portfolio!

~ au

23.rd of January was the official poorest day of the year. After Christmas and New Year where people have been spending more than they should they have to eat water and “knäckebröd”.
To avoid that I have quite a good check on my/ our economy and also a goal to reach 100 000kr of dividends per year for our retirement.

I could hardly invest any money in 2019 because I needed all the cash we have plus more to finalize one thing and since October I have slooowly started to invest again. It is tricky now because the stocks are pretty expensive and one has to be careful.

I have on a monthly basis been buying a couple of different index funds be it American, European or Swedish. I am also continuing to reinvest dividends that I have obtained during the year. I reached approximately 5500 kr in dividends in year 2019. This is some 15% more than in 2018. I have been between 22-30 % plus on the value of the portfolio…but one has to consider that 2019 was an extremely good year for the stock market.

Anyhow, during this year Swedbank was dragged into a money laundry scandal resulting in a stock price sinking like a stone. I felt, despite the money laundry scandal, that Swedbank is still going stronger than in 2008 during the financial crisis. Also average loan takers are not that flexible to change their mortgage loans so the basic business will continue as usual.

Americans will most probably give Swedbank a juicy fine but in the end the bank should recover from that.

I decided to sell all my H&M stocks on the lowest possible price ( the worse move this year) and bought Swedbank stocks for this money (hopefully not the second worse move).
I am a longterm investor with more or less buy and keep strategy so I do hope that in a couple of years (2-3 years) this case will be a positive one.

Let the game begin for 2020!

Picture: In 2013 I sold of all the stocks I had and started in 2015 again to invest in stocks.

Update dividends 2018 / Ažuriranje dividende 2018

~ au

My goal is to achieve some 10 000kr (ca 1000 Euro) per month in dividends until my retirement and to reach that I am investing in different stocks. Last year I had an increase of approximately 45% (sounds more than it is) of dividend achieving over 4500 kr (ca 450 Euro) in dividends that year.
This money is all reinvested and will (hopefully) generate more dividends for this year…like Einstein said the compound effect is the 8th world miracle.

Cilj mi je dostiči 10 000kr (oko 1000 Eura) u dividendama mjesečno do moje penzije i zato ulažem u razne dionice.
Prošle godine sam povećala sumu dividendi za 45% (zvuči više nego što jeste) i dobila sam oko 4500 kr koje su ponovo investirane u nove dionice.
Kao što je rekao Einstein da je kamata-na-kamata efekat osmo svjetsko čudo.

Half year has passed and I am until now having only 15% less dividend this year than the whole last year which is motivating even though I admit I haven’t been buying as many stocks as I wanted lately due to movement and adjustments in US. In any case when I see the bars I do get a little motivated for the future 🙂

Pola godine je već prošlo i sad već u polugodištu imam samo 15 % manje dividende nego što sam imala u čitavu prošlu godinu što je motivirajući iako nisam kupovala toliko dionica koliko sam htjela. Ipak je tu bila i selidba i privikavanje u Americi. U svakom slučaju kad vidim diagram motivirame to za budućnost 🙂

Fonds / Fondovi

~ au

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.

Mintos, Lendify, P2P

~ au

Sounds like some candy but it isn’t.
It is actually my second try to diversify my savings. My main goal is to one day have 10 000 Euro passive income from different kinds of savings and investments.
For now I have  invested mainly in stocks but I am now trying the P2P loans.
P2P loans is a peer-to-peer or people-to-people loans. That means you can take 100 euro and lend it out to people who need it. The interest is different depending on the person asking for the loan and the safety of the loan. I have tried two P2P companies: the Swedish Lendify and the Latvian Mintos that is oriented towards international clientele.
Lendify has nicer overview and interface but the problem with Lendify is that there are hardly any loans to invest in AND the loans are usually long term for a lower interest. Zvuči kao neka bombona, ali nije.
To je ustvari moj drugi pokušaj da raspodijelim svoju štednju. Moj glavni cilj je da jednog dana dobijem 10 000 eura pasivnog prihoda od raznih štednjih i investicija.
Za sada sam uglavnom uložila u dionice ali sam sad probala i P2P kredite.
P2P krediti su krediti gdje osoba lično iznajmi svoj novac drugima kojima treba novac preko firme koja nije banka.
Ja sam probala dvije P2P firme, švedsku Lendify i litvansku Mintos. Mintos je veća i orientira se prema internacionalnoj klienteli.
Lendify ima ljepšu stranicu ali je problem kod njih što rijetko ima kredita za investiciju a i krediti obično traju duže, što znači da meni treba duže vremena da vratim svoj novac.

In Mintos there are loans where you can get 17.5 % (?) return on your money, but then the risk is quite high.
Here are some pictures of how it looks like, and if someone wants to open an account you can use my refer-a-friend code : HXVFTT at www.Mintos.com
Who knows maybe we get something for it 🙂 

U Mintos ima kredita na kojima možeš čak 17.5%(?) povratak na uloženi novac dobiti, ali je zato i rizik dosta veći.
Evo ovdje par slika kako to izgleda i ako nekog nešto zanima oko toga ili ako hoće da otvori račun možete čak i moj kod HXVFTT na www.Mintos.com koristiti. Ko zna možda nešto i dobijemo 🙂

Pepins crowdfunding

~ au

Pepins is a crowdfunding plattform that provides the possibility to invest in entrepreneurs and their companies that are off the stock market. I like the idea and the freedom it gives to people that want to fulfil their dreams .
When the investment opportunity came for Pepins itself I invested the minimum amount of 30 shares ( 540 kr) .
For interested the offer is still ongoing and there are over 960 investors that have invested over 70 million kronor.
This is my first time investing in a crowdfunding project and it will be fun to follow its development. 
Pepsin je jedna crowdfunding (grupno finansiranje) platforma koja daje mogućnost da investiraš u poduzetnike i njihove firme koje nisu na berzi. Sviđa mi se ideja i sloboda koju to daje ljudima koji hoće svoje snove da ispune. Kad je izašla mogućnost da investiram direktno u Pepins onda sam uložila najmanju svotu od 30 dionica (oko 100KM).
Za zainteresovane ponuda još vrijedi i do sad je oko 960 investitora uložilo preko 70 miliona kruna (oko 14 miliona KM).
Ovo mi je prvi put da investiram u jedan crowdfunding projekat i baš će biti interesantno pratiti razvoj ove firme.

 

Robert Friman International

~ au

This must have been the stock that I could have earned most money on among my stocks and where the psychology of human mind is so clear to see. For a while I was 180% plus. It looked good and I wanted more. So when the course started to go down I waited and waited thinking of it as just a period and it will get better again. I had the plan to keep them for 5 years.
But I didn’t!
Suddenly, there was a pm that there might be a problem with tax declaration. The stock dived from having been on + 30% or 40% of my invested money, I was suddenly -30% down. I was annoyed because it gives you a sour taste having been +180 and now being -30%.
I started to follow it more closely. It was pending a lot and suddenly one day it was again +25%on my account. I decided to sell it off, but my phone had a mental breakdown and refused to cooperate. From +25% the order came through and I sold it off for +5%. ( I sold them for 6.10kr) .
First I felt annoyed because I had missed the opportunity, but then I felt relieved… it is never fun to loose money. The reason is that I had said to my self that when a profit is so high as 180 % than it is better to take out the invested money + 10% and then the rest is used for playing around. Well, I didn’t listen to myself. I have to read more about market psychology.
But it is not the end of the story!
NO, I had forgotten about these stocks and wanted to see what happened in the with the tax declaration- The former Vice Director was sentenced 1.5 year prison for gross tax breach.
And people say stocks are boring…

Ovo je bila dionica na koju sam najviše mogla zaraditi od svih mojih dionica i gdje je toliko očigledno kako ljudski mozak funkcioniše. Jedno vrijeme sam bila čitavih 180% u plusu. Naravno pohlepa je tu bila i htjela sam još. Kad je kurs počeo padati čekala sam i mislila sam proće nakon nekog vremena. (Planirala sam ih 5 godina držati).
Međutim, nije pad stao!
Odjednom, dođe raport da može postojati problem sa deklaracijom poreza. Dionice su potonule od +30% -40% na investiranim novcem, i sad sam odjednom bila 30% u minusu. Bila sam iznervirana jer je kisel ukus biti od 180% u plusu na minus 30%.
Počela sam da pratim ove dionice i odjednom jednog dana skočiše na +25% na računu. Odlučila sam ih prodati, ali je moj telefon doživio nervni lom tako da je prestao raditi. Od 25% plusa je prodaja mojih dionica prošla na 5% plusa. (Prodala sam ih za 6.10kr) .
Prvo sam bila iznervirana što sam “samo” 5% zaradila, ali je poslije došao osjećaj reljefa (? mislim da se tako zove na našem).
Bila sam malo iznervirana zato što sam sebi x puta rekla kad je bilo na 180% plus da prodam ulog plus 10% i ostalo nek bude kako bude. Ali pohlepa je teška, uvijek hoće više, tako da nisam sama sebe slušala. Moraću više o psihologiji na berzi čitati.
Ali nije ovo kraj priče.
Kako sam prodala ove dionice, onda ih nisam neko vrijeme pratila i sjetim ih se pa rekoh da vidim šta se desilo sa poreznom deklaracijom. Bivši direktor je dobio 1.5 g zatvora zbog prevare porezom….
I ljudi kažu da su dionice dosadne…

 

Update stocks April / Ažuriranje dionica april

~ au

The A&A portfolio gained 173,5 kr in dividends. The companies paying out dividends where Fast. Balder Pref, Telia, Cloetta, Sagax pref, Sagax D and SEB B. This month I reinvested the dividends plus added a little of the child benefit to buy 2 Castellum, 6 Telia, 1 Fast Balder Pref and the index fund Avanza Zero (100kr). This should add 21 kr to the end of 2017, and for 2018 it should add 42 kr to the dividends per year.
From January AA portfolio has gained 330kr dividends..

A&A portfolio je ovog mjeseca dobio 173,5 kruna dividendi. Produzeća koja su dijelila dividende ovog mjeseca su Fast. Balder Pref, Telia, Cloetta, Sagax pref, Sagax D i SEB B. Reinvestirala sam dividende u  2 Castellum, 6 Telia, 1 Fast Balder Pref i indeks fond Avanza Zero (100kr). To bi trebalo dodati još 21 kr u 2017 a 42 kr u 2018.
Slika: Od januara do sad je AA portfolio dobio ukupno 330 kr dividendi.

My portfolio:
This month Ica Gruppen, Sagax D,  Sagax Pref, Telia, Cloetta and Fast Balder Pref were paying out dividends. I got 744 kr this month. I bought 7 Telia and 2 Castellum for the money. I also bought Avanza Zero and Swedbank Robur Ny teknik fund for 100 kr each. This should add 12 kr dividends per year and another 24kr dividends in 2018.
Picture: Here another 317,5 kr should be added to, but the dividends are gained in other accounts in total 1228,5 kr in total this year.
Slika: U 2017 treba dodati još 317,5 kr dividende koje su dobivene na drugim računima ukupno sam od januara dobila 1228,5 kr dividendi.

Moj portfolio:
Ovog mjeseca su Ica Gruppen, Sagax D,  Sagax Pref, Telia, Cloetta i Fast Balder Pref isplatili dividende. Dobila sam 744 kr ovog mjeseca. Kupila sam 7 Telia i 2 Castellum za dividendu. Kupila sam isto Avanza Zero i Swedbank Robur Ny teknik fondove. To bi trebalo dodati 12 kr dividende za 2017 a za 2018. godinu bih trebala dobiti dodatnih 24 kr.

 

 

 

 

Update stocks- March / Ažuriranje dionica – mart

~ au

This month Axfood, Sagax and SEB  are  paying the dividends. So A&A get 120 kr dividends from Axfood and 41 kr from Sagax . Altogether 161 kr that will be reinvested.
Even though H&M has been in negative discussions lately I bought 2 H&M stocks and hope that H&M will manage to recover. I give them this year for it, otherwise I believe I will sell them off and buy some other stocks. (In the picture the 55 kr from SEB are also included). It is nice to see that in March we are already getting half the dividends as we had for the whole year 2016.In my portfolio, I had obtained 250 Units of Dividend Sweden, because I used the 750 subscription rights that the owners got. I also got 246 kr dividends from Axfood. These I reinvested in 12 Sagax D stocks increasing the dividend 24 kr per year.
It feels nice to get the dividends even if right now every stock at Stockmarket feels too expensive.

Update stocks February 2017 / Azuriranje dionica februar 2017

~ au

This month has been quite disappointing. I have been sick the whole time and as that wasn’t enough Ada was also spending most of her time at home instead of kindergarten.
Thus, I had no time or energy to check or buy any stocks this month. This gives me a reminder of  the importance of saving. Despite feeling crap having the flu or tonsillitis for months, these are still not such bad diseases. I cannot even imagine the feeling of black hole when something really serious happens.
So even if doing nothing  I got 37.5 kr in dividends from Dividend Sweden, and also got 750 subscription rights (I think it is called) or in this case they called them units. I am not 100% sure what that is so I´ll have to read more about it.
In A&A portfolio I just bought Avanza Zero fund for 100kr. I hope now with a new month new energy comes.Ovaj mjesec je bio tako deprimirajući meni. Ne samo što sam ja bila bolesna čitav mjesec nego je i Ada više vremena provodila kod kuće nego u vrtiću. Samim tim niti sam imala vremena da čitam, niti da pišem, niti da se angažujem oko ićega pa čak ni u dionice.
Ovo me dovelo da počnem razmišljati o tome koliko je bitna štednja. Iako sam bila bolesna mjesecima, to nije neka teža bolest bila (meni je moja najteža da se zna), ali zamislite da je nešto stvarno ozbiljno. Ne mogu ni da zamislim tu crnu rupu osjećaja ili čak ekonomsku.
Iako ništa nisam ovog mjeseca radila dobila sam 37.5 kr dividendi od Dividend Sweden, i isto tako sam dobila nekih 750 units što nisam do sada nikada dobila, i nemam iskreno pojma šta je. Moraću malo pročitati i vidjeti šta je.
U A&A portfoliu sam samo kupila Avanza Zero fond za 100kr.
Sad kad smo ušli u novi mjesec stvarno se nadam da ću dobiti malo više energije i ići u nove pobjede.

2017 January Portfolio update / 2017 Januarsko ažuriranje portfolia

~ au

A&A´s portfolio: First dividends in year 2017 have started rolling in. In January they got 36 kr in dividends. I also bought them 3 H&M and 30 Sagax Pref stocks. This should generate 89,25 kr dividends extra per year. For the first time I also bought the Avanza zero fund for 100 kr (~10 Euro). I have decided that I will invest 100 kr monthly in this.

My portfolio: Here I got 236 kr in dividends from Sagax Pref, Saga D and Bald Pref. Additionally I bought 5 Axfood, 30x Sagax Pref and by chance 750 Dividend Sweden stocks. Axfood and Sagax Pref should generate 75 kr dividends per year. The 750 stocks of Dividend Sweden I bought by chance might generate 37,5 kr per year. This is however a high risk game, but I found the company interesting so I wanted to have a small part of it. I also started saving in the Avanza Zero fund.

Lately, I am considering to start buying some index funds and fill the portfolio with a part of funds. I would like to have some index funds especially  some global index fund but I haven´t had time to check it up further.

A&A portfolio: Prve dividende u 2017. su stigle na račun. U januaru su dobili 36kr u dividendama. Ovog mjeseca sam im kupila 3 H&M I 30 Sagax Pref dionica. To bi trebalo dodati 89.25 kr dividendi godišnje. Prvi put sam isto kupila Avanza Zero fond za 100 kr (~10 Eura). Odlučila sam 100 kr mjesečno odvojiti za ovaj fond.

Moj portfolio: I kod mene je prva dividenda ušla na račun. Dobila sam 236 kr od Sagax Pref, Saga D i Bald Pref. Kupila sam dodatno 5 Axfood, 30 Sagax Pref i slučajno mi prođe kupovina 750 komada od Dividend Sweden. Axfood i Sagax Pref, bi trebali dodati 75 kr dividende godišnje. A ovih 750 komada Dividend Sweden su čista kocka, ali mi firma djeluje interesantna pa sam htjela da imam udio u tome.
Počela sam na mjesečnoj bazi da za 100 kr (~10 Euro ) kupujem Avanza Zero fond.

U zadnje vrijeme nešto razmišljam da raširim naše portfolie i da počnem kupovati fondove. Tu kontam neke indeksfondove pogotovo globalne, ali nisam stigla to još provjeriti koje su i gdje ih mogu kupiti,