tag:blogger.com,1999:blog-2949218657849719987.comments2024-02-10T10:35:20.557+00:00My contrarian adventureFredrik von Oberhausenhttp://www.blogger.com/profile/10924238593055161520noreply@blogger.comBlogger859125tag:blogger.com,1999:blog-2949218657849719987.post-39553089507422351672024-02-10T10:35:20.557+00:002024-02-10T10:35:20.557+00:00@Onevikinggirl
If I'm still in Sweden then I w...@Onevikinggirl<br />If I'm still in Sweden then I would be happy to join in a meeting and with the camping van ready I can pretty much go anywhere in Sweden.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-43187689910437336662024-02-10T10:32:23.536+00:002024-02-10T10:32:23.536+00:00@Anon
The growth included the 11k that I added to ...@Anon<br />The growth included the 11k that I added to the portfolio. I'm not a good investor, I'm good at saving money due to living a simple life and all of it was pushed into stocks.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-14359499191430500062024-02-10T10:29:18.927+00:002024-02-10T10:29:18.927+00:00Yes, Since I've lived for the last 20+ years i...Yes, Since I've lived for the last 20+ years in different countries in Europe my friends are very spread out, and I also do not have any kids. Having friends more concentrated as well as having kids is a great way to keep a social life healthy and I think / hope that will make it easier for many of you.<br />What probably adds to my boredom is that I'm on hold for the next step and once that has been established then I will start to work again with something that is fun for me.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-44197156521684948212024-02-03T09:30:13.934+00:002024-02-03T09:30:13.934+00:00You need some ERE friends, want to do a Financial ...You need some ERE friends, want to do a Financial freedom meetup in Sweden during 2024? Onevikinggirl@gmailOnevikinggirlhttps://www.blogger.com/profile/07332629675054714173noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-53897403454183441772024-01-10T14:35:51.007+00:002024-01-10T14:35:51.007+00:00Growth means the gain of your investments, or also...Growth means the gain of your investments, or also additional money you put in ? Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-11709370662075946222024-01-09T11:42:06.226+00:002024-01-09T11:42:06.226+00:00Thanks for the update and thank you for the honest...Thanks for the update and thank you for the honest reflection on being bored in early retirement. That is something I have been thinking about; how to keep things socially and inte interesting after quitting the worklife. Probably staying actively involved in society in someway, as volunteer / or in a company role that appeals is the way to go.Janhttps://www.blogger.com/profile/06577361383384085458noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-19403128885957779702024-01-02T12:28:29.331+00:002024-01-02T12:28:29.331+00:00Thank you for reading!
You are coming back while ...Thank you for reading!<br /><br />You are coming back while I'm preparing to leave again. Good balancing of population!Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-43105823442517618592023-11-03T06:49:17.121+00:002023-11-03T06:49:17.121+00:00I have now read your blog posts for the last few m...I have now read your blog posts for the last few months. <br />I am also heading ’home’ after 15 years abroad.Onevikinggirlhttps://www.blogger.com/profile/07332629675054714173noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-75737531311430204682023-05-13T12:49:15.083+01:002023-05-13T12:49:15.083+01:00@2025 - Thank you! I'll get there soon!
@Matt...@2025 - Thank you! I'll get there soon!<br /><br />@Matthias - The ETF mix is my company pension fund that is being held with the insurance company Aviva. I've there handpicked three low fee ETFs (since Aviva is also taking a fee) and they are 50% Aviva pension International Index Tracking S2 which is held in USD, 30% of Aviva pension Blackrock EU Equity Index tracker S6 and held in EUR, and finally 20% Aviva pension UK equity S6 held in GBP. The boost is coming from that for every 1 GBP you add you get 20% taxfree meaning in effect every 1 GBP provides 1.2 GBP of share holding. When I started to use it one could take out 1/4 taxfree at the age of 55 years. Now they have expanded that to 57 years (which is insane that they've done to do since it is my private money!) and they are talking about it increasing even further to 58 years to prevent people from retire too early.<br /><br />@Anon - According to my calculations yes. Plan: Bought van in Sweden, drove it to the UK and will use it to move back my stuff to Sweden. Convert the van to "functional" camping van during the summer while enjoying life in my summerhouse. The van will not be fancy and must be easy to bring back to a functional van again. Drive to the south of Europe and see all my friends on the way. Look at places to buy (less than 100k €) in European locations that have <30 min to a warm beach and <1h to a ski resort. Once I've found it then buy it and start to fix it up including greenhouse to grow food, solar and wind power (off-grid), rainwater collection for ALL water purpose to keep running costs low. I live today on 1,200 GBP per month of which half is my rent. I have no debts and with no rent, less food costs, no electricity and no water costs then I'm expecting to live on less than 1,000 € per month, probably A LOT LESS. I can do this until I turn 57 and will then be able to take out the 1/4 taxfree from the UK private pension (I expect that to be ~90k €, time for a house upgrade?) + 13k per annum for every year afterwards until I die. I started this journey because I have worked in several EU countries and was uncertain if I would ever receive any pension. I have worked for 20+ years so I will receive something the day I turn ~65 years on a monthly basis from the collected EU pension pots, though not included in my calculations and will just be another boost. I'm sure it will work out. Worst case scenario I will have to work a bit again and probably I will anyway but more for the social aspect of it and not due to an actual need for it. I have no kids and since my divorce in 2020 I also have no wife. There is no need for me to leave something behind which means my holdings will go down over the years, many FIRE people seems to fear this and just wants to live on what is generated in dividends and share price increases. I fully understand why, it is in human nature, but I see no need for it. The big holding reduction will start when I need to take out 100k € from my investments to buy the property which should happen sometime in autumn 2023. I hope this answered your question.<br /><br />@Jan - I shall do my very best! If it all goes wrong for me then there will hopefully be a lesson also in that.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-66352059405051224822023-04-23T10:09:16.751+01:002023-04-23T10:09:16.751+01:00Congratulations Frederik on taking this next step ...Congratulations Frederik on taking this next step on your way to F.I.R.E.! I have been following your blog over the years and enjoyed to read about your journey, your decisions, the investements and see how thongs played out. All very relatable. Hope you keep us update going into FIRE using this blog, so we can keep following that part of your journey too. <br />All the best! Janhttps://www.blogger.com/profile/06577361383384085458noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-55527163962167222712023-04-18T06:00:19.134+01:002023-04-18T06:00:19.134+01:00Maybe you can explain your FIRE Life a bit. Maybe ...Maybe you can explain your FIRE Life a bit. Maybe I missed something but do you think this fund will be enough to finance your Life?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-5935351711965790812023-04-08T16:03:29.365+01:002023-04-08T16:03:29.365+01:00What is your ETFs Mix, MSCSI World ?What is your ETFs Mix, MSCSI World ?Matthiasnoreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-17891367377310594932023-04-07T07:50:26.224+01:002023-04-07T07:50:26.224+01:00Good luck! Greetings from the other side!Good luck! Greetings from the other side!2025https://www.blogger.com/profile/08757648931516657771noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-22166368783895042722023-02-26T15:52:31.910+00:002023-02-26T15:52:31.910+00:0050% Benchmarked FTSE World ex UK in USD
30% Benchm...50% Benchmarked FTSE World ex UK in USD<br />30% Benchmarked FTSE Developed Europe ex UK in EURO<br />20% Benchmarked FTSE All shares in GBP<br /><br />The 20% FTSE All shares in GBP is a bit too high. I was clearly optimistic in how quickly UK would recover from leaving the EU when I started it up back in 2016.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-88479888386178434562023-01-03T12:50:14.625+00:002023-01-03T12:50:14.625+00:00What does your ETF mix consist of ? Is it MCSI Wor...What does your ETF mix consist of ? Is it MCSI World or S&P500 ?Matthiasnoreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-55412650316090354262022-04-30T19:15:09.296+01:002022-04-30T19:15:09.296+01:00I used to live in France back in the days and I lo...I used to live in France back in the days and I loved it! The weather the food, the people. I simply loved all of it. So when I'm making my FIRE then I'm thinking about buying a property in the South of France to live because I will for sure to remain in the UK and the interest of sitting in Sweden is also not that high. So France will be a good country to retire in.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-56657828607997168882022-03-11T15:24:37.198+00:002022-03-11T15:24:37.198+00:00Hi, still didn´t get why your are investing frechn...Hi, still didn´t get why your are investing frechn immo assets ?Matthiashttps://www.blogger.com/profile/17277756997583334435noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-49502896412174104922021-11-09T13:38:02.069+00:002021-11-09T13:38:02.069+00:00It's a quality company and stock. I've bee...It's a quality company and stock. I've been shareholder since 2010. Unfortunately I haven't added ever since. But finally the KFC chain is also coming to Finland so I can eat in my own restaurant. :)2025https://www.blogger.com/profile/08757648931516657771noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-16833149563552709612021-01-31T14:40:44.850+00:002021-01-31T14:40:44.850+00:00Thank you! It starts to look very good indeed!Thank you! It starts to look very good indeed!Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-38014585741613931712021-01-01T09:57:57.088+00:002021-01-01T09:57:57.088+00:00Great preparations for 2024, congratulations to yo...Great preparations for 2024, congratulations to your forthcoming FIRE and ERE! :)Onevikinggirlhttps://www.blogger.com/profile/07332629675054714173noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-32175244476485478542020-05-08T22:26:34.085+01:002020-05-08T22:26:34.085+01:00Hi Garry! It has indeed been a long time!
I agree...Hi Garry! It has indeed been a long time!<br /><br />I agree on the dividends. He will use it to expand the business and I do not mind him doing that.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-39408788389705290832020-05-08T18:15:16.090+01:002020-05-08T18:15:16.090+01:00Hi. Long time, no see. I still am a fan of Tessend...Hi. Long time, no see. I still am a fan of Tessenderlo. Underappreciated stock and way down from their ATH. But better diversified, better capitalised, better managed than ever. I don't think they will ever pay dividends, he rather keeps investing. Bought gas power plant, looking to build new one...Garryhttps://www.blogger.com/profile/08261157807992272897noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-22984256886868996802020-05-05T22:40:46.087+01:002020-05-05T22:40:46.087+01:00I also remember that they paid out a small dividen...I also remember that they paid out a small dividend but then this page confused me when I went back to look at it again:<br /><br />https://www.ratos.se/Investor-Relations/Finansiella-rapporter/Nyckeltal/<br /><br />In the report they do however say that they did pay out 160 MSek ~ 0.5 SEK per shares which is around 2.1% which was done based on the earnings in 2018.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-6273673615197187052020-05-05T08:04:06.810+01:002020-05-05T08:04:06.810+01:00Well, Ratos paid out 0.50 in dividends for 2019 as...Well, Ratos paid out 0.50 in dividends for 2019 as I remember...<br />... but I also agree on your comments for Ratos.<br />It can only be better in the future... :-)<br /><br />BesserAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-2949218657849719987.post-1065012843242677772020-04-30T22:20:07.502+01:002020-04-30T22:20:07.502+01:00I stand corrected. It appears as if they in 2018 m...I stand corrected. It appears as if they in 2018 moved from reporting in sales in their annual report which was indeed including VAT to report net sales excluding VAT which I missed when looking at the report in 2015 and in 2019.<br /><br />Anyone knows their reason for removing the VAT since 2018 in their sales?<br /><br />The form is now updated.Fredrik von Oberhausenhttps://www.blogger.com/profile/10924238593055161520noreply@blogger.com