H&M

2019 Summary of my stock portfolio!

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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 stocks- March / Ažuriranje dionica – mart

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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.

2017 January Portfolio update / 2017 Januarsko ažuriranje portfolia

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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,

 

Economic indepence dream or reality – update stocks September/ Ekonomska neovisnost san ili stvarnost -ažuriranje dionica septembar

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Is it just a dream for ordinary people or is that really a possibility? Of course reading the “right” papers, the “right” blogs or you talk to positive people that have maybe even managed to become economically independent it all makes you believe in that possibility.
On the other side if you do not believe in it, you will for sure not work for it and then it is like a self-fulfilling prophecy. It won´t happen.
I have decided to try to become as economically independent as possible and one of the things I believe in is to partly invest our money in stocks. At least it has worked for me to gain more than I have invested.
In the beginning it is a struggle and it happens little by little, because I cannot afford to invest thousands of euros but rather like 100 euro per month. On the other hand Rom was not built in one day either.
For this month I have bought 30 Sagax Pref and 2 H&M stocks to Ada´s Portfolio. This means that this should provide her additional 79,5 kr dividend per year. All the dividends will be reinvested until she turns 18, unless we need the money for some better investment.
For my portfolio I added 3 Axfood and 30 Sagax Pref. This adds 75 kr per year to the dividend. My next goal is to reach 10 000kr dividends per year. Which I´ll have to work for…

Da li je to samo san za prosječne ljude ili je to moguće?
Naravno ako se čitaju “tačne” novine, “tačni” blogovi ili pričaš ljudima koji su pozitivni i možda su čak I uspijeli u tome počneš vjerovati da je to istina.
U drugu ruku ako ne vjeruješ u to, nećeš nikad ni probati tu neovisnost jer se nećeš ni potruditi da to uspiješ. Tako reči samoispunjavajuče proročanstvo. Neće se desiti.
Odlučila sam da se potrudim da probam postati ekonomski neovisna koliko god mogu više. I jedna (od više) stvar(i) u koju vjerujem su dionice.
Meni je barem do sad uvijek to funkcionisalo jer sam uvijek dobila više nego što sam uložila.
Za početak je ulaganje u dionice borba, jer nemam velike sume od hiljade i hiljade eura da ulažem. Nego ulažem male sume (do – oko 100 €) i samim tim se pomalo pomjera. Ali ni Rim se nije napravio u jednom danu.
Ovog mjeseca sam kupila 30 Sagax Pref i 2 H&M dionice u Adin portfolio. To dodaje 79.5 kr dividende godišnje. Sve će dividende biti reinvestirane do njezine 18.e godine, t.j ako taj novac ne zatreba u bolju investiciju.
Za moj portfolio sam kupila 3 Axfood i 30 Sagax Pref. To mi daje 75 kr dodatne dividende godišnje.
Slijedeći cilj mi je doći do 10 000kr dividend godišnje. Malo po malo pa će valjda i to uspijeti.

August update of our portfolios / August azuriranje nasih portfolija

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Usually during the summer the stock market gets calmer and the prices fall a little bit making it possible to buy some stocks for a cheaper price. However, this year it seams that nothing is like it usually is.
Still I couldn´t resist but to buy a couple of Investor and Axfood stocks, adding to approximately 75 kr dividends per year to Ada´s portfolio. This feels (is) like a small sum, but I plan to give her this portfolio in 18-20 years so this sum will hopefully increase each year because I plan to reinvest this money in new stocks.
Ada august antal aktier Ada august värde aktier
For my portfolio I added 3 H&M, 8 Mycronic, 3 Axfood and 20 Sagax Pref adding some 96 kronor dividend per year. Looking at these sums you see it is not much but one should never underestimate the small savings. All the dividends I plan to reinvest so let´s see where this journey takes us… august antal aktieraugust value aktier
Obicno kad je ljeto dionice padnu i postaje mirnije na berzi, sto daje mogucnost da kupim par jeftiniji dionica. Medjutim ove godine se cinilo cak naprotiv. Iako tako, nisam mogla odoliti a da ne kupim par dionica od Investora i Axfood, sto dodaje otprilike 75 kr dividendi godisnje Adinom portfoliju.
Cini se malom sumom, ali planiram joj predati ove dionice za nekih 18-20 godina tako da se nadam da ce se do tad akumulirati sume. Planiram dividende da reinvestiram u dionice.
Za moj portfolio sam kupila 3 H&M, 8 Mycronic, 3 Axfood i 20 Sagax Pref koje ukupno dodaju 96 kr dividendi godisnje. Naravno kad gledam ove sume cine se malim ali ne treba nikad podcjeniti moc malih stednji. I ovdje isto planiram sve dividende da reinvestiram u dionice. Vidjecemo gdje nas vodi ovaj put…

Update Stocks / Azuriranje Dionice

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Half the year of 2016has passed and I am still working on the portfolio of our savings. As I already wrote previosly (old post) my goal is to have good dividends, preferrably an amount every month. When the Brexit was voted for there was a minor crash at the stock market where I took the opportunity to buy some stocks. Unfortunately I didn´t have much but I bought a couple of stocks that I have been following for some time. I bought some H&M, Investor, SEB A and Sagax Pref. I have also improved ( 1200 kr) with the dividends for the year comparing to last year (280 kr) which is motivating me a little bit. All the dividends I am reinvesting in new stocks.
My next goal when it comes to stocks is to get 10 000kr dividends per year!Presentation1
U polu vremenu od 2016. se jos uvijek bavim sa svojim porftoliom dionica. Kao sto sam u starom postu vec pisala cilj mi je da imamo dobre dividende. Po mogucnost svakog mjeseca. Kad su Britanci izglasali Brexit doslo je do manjeg histericnog pada na berzi. Tu sam iskoristila mogucnost da kupim neke dionice. Nazalost nisam imala nesto puno novca, ali sam ipak uspijela kupiti nekoliko H&M, Investor, SEB A i Sagax Pref dionica.
Poboljsala sam isto svoje dividende poredeci sa proslom godinom tako da me to isto malo motivise. Isto tako sve dividende reinvestiram u nove dionice.
Slijedeci cilj mi je da dobijem 10 000 kr dividendi godisnje!

Top month of dividends / Top mjesec dividendi

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This time I made a mistake with my stocks.I had them on a common stock account instead of the ISK (investment saving account). So I nicely payed  30% taxes on the dividends I got, instead of paying no taxes.
I guess the only way to learn is the hard way.
For the next round of dividends I had some of my stocks transferred  to the ISK account and hope next time will be better. My goal of having higher yield than the year before has come true (honestly, I hadn´t really much). Next goal is to get the double for this year. Let´s see if that works. This money I invested ( I hope it is an investment) by buying a couple of Mycronic stocks for me and 2 stocks of H&M for Ada.
My dream and one of my long term goals is to have such dividends yearly that it could at least partly pay off some of my bigger bills.
Imagine having so much dividends that you can actually pay the rent of it…luxury 😀dionice
Ovaj put sam napravila gresku sa svojim dionicama. Drzala sam ih na pogresnom racunu tako da umjesto da izbjegnem porez skroz, morala sam platiti 30% poreza na dividende. Sta ces, nema drugacije nego po dzepu.
Za slijedecu rundu dividendi sam zato prebacila neke dionice na ISK (Investment stednji) racun i tako se nadam da cu slijedeci put biti bolje. Ove godine sam uspijela ciljem da poboljsam dividendu od prosle godine (doduse nije bas neka dividenda bila :)), a cilj za iducu godinu je da uduplam dividendu koju sam imala od 2015.
Od prosle dividende sam kupila nekoliko Mycronic dionica i dvije dionice od H&M za Adu.
San a i jedan od mojih dugorocni ciljeva je da imam takvu dividendu godisnju da mogu dio svojih vecih racuna otplacivati sa tim novcem.
Zamislite koji je to luksuz kad bi dio kirije mogao biti placen od dividende 🙂

Dionice

~ au ~ 2 Comments

Kako sam prije rekla (stari clanak ovdje) hocu da napravim tepih dividendni bombanje (carpet dividend bombing) za mene (i muza) i za Adu. (Ne znam bosanski naziv za to :P) . Tako da sam jucer kupila nekoliko Telia dionica. Telia ima godisnje 3kr dividende po dionici  sto znaci da za danasnju cijenu od 48.02kr  izadje kao 6% kamate na stednjoj knjizici, (s nadom da ne padne vrijednost dionice). Mada ako cu iskreno, nadam se da ce doci ispod 45kr onda cu ih jos kupiti.
Do sad sam se nadala da cu imati dosta vise dionicia, medjutim smatram da su dosta skupe pa eto cekam i stedim kes.
Ideja je da imam dionice iz raznih oblasti poput prehrambene industrije tipa Axfood, Telekomunikacije tipa Teliasonera, banke -Swedbank ili SEB, i tekstilne industrije su H&M one najosnovnije dionice sto imaju ljudi. Vjerujem isto da ce buducnost nositi sa sobom elektricna auta tako da mozda cak da uzmem neke dionice iz automobilne industrije, ali nisam sigurna koje. A sve su skupe…
Za sad iz ove napomenute liste imam samo dionice iz Telije jer su ostale bas skupe ali nesto razmisljam da uzmem par dionica od Swedbank. Parola je u kocki “banke uvijek pobijedjuju” a tako je po iskustvu i u pravom zivotu.
U Svedskoj je super sto imamo Avanza banku pa kosta samo 1kr (oko 10 centi) da kupis dionice, tako da mozes bukvalno samo jednu dionicu kupiti i da ti se isplati…Genijalno…

Za sad imam Sagax Pref, Robert Friman International, TeliaSonera i Acando B. A Adi sam spontano kupila Mycronic, mada sad se kontam mozda sam se tu zeznula. Vrijeme ce pokazati…Warren-Buffett-Team-Building-Quotes