Summary of November 2022

 

Summary of November 2022

War have not yet stopped. The world championship is going on with surprising results in many cases which makes it more exciting than usual. I must admit I have not been watching that much but difficult not to be updated. 

The pound sterling has increased in value compared to the euro which have given me a bit of a boost this month because I have not made any investments.

We've now made the cuts in the company, and I did in the end offer myself up for removal which was unfortunately not accepted. So now I will be the little girl, holding a burnt-out match behind her back, watching the house burning to the ground. The employees are really not pleased about what has happened. Salary increases will be difficult for many companies this year. The inflation has been significant, but we have no one to pass that on to so I will not expect any major changes.

Christmas is around the corner. Instead of a one-way ticket I had to buy a return one and I will as always go to Berlin for Christmas market which will, as always, be nice, before I go back home to Sweden for almost two weeks. I hope there will be some snow so that I can bring out the old 2nd hand snowboard. Please be sensible when buying gifts this year. China and India are buying up all the oil from Russia and are putting that into polyester garments, toys etc. We do not want to support this ridiculous ongoing war that purely comes from the ego of one man and neither Ukraine nor the Russian population is happy about it.

For the previous summary please visit Summary of October 2022 and here you can see my stock portfolio as it is.

The total invested value is now at: 332,847 €. Monthly investments made in ETF Mix but nothing else.

The value of the portfolio is today: 446,489 € and I have 1,476 € in cash on my broker accounts. I have realised gains of 4,547 € and unrealised of 113,642 € (26%) which is not good enough and mainly pushed due to sterling value. My ETFs are now up at a value of 63% of my portfolio.

DAX is now up to 14,529 points which means that it has increased by 7.9% since the previous summary and my own portfolio has only increased by 5.8% in the same time period.

Conclusion: Ugh! DAX had a great month and so did my portfolio but just not in comparison. Christmas will cost money, so I've got little to spare for investment even though it is a good moment to shuffle sterling over to euro.

Dividends in November 2023

 

Intel decided to pay out 46.98 € to me and from this the taxman took 7.04 € and I was left with 39.94 € as cash on my broker account.

TJX also paid out 18.00 € and 2.70 € was lost in taxes and I got 15.30 € as cash.

H&M made their biannual payment of 179.62 € and 53.89 € was taken as cash leaving me with 125.73 € as cash.

Summary of October 2022

 

Summary of October 2022

War is still ongoing in Europe even though the world seems to already have forgotten about it. The dollar has become very strong compared to many other currencies. Election in Sweden with a strong wind of anti-immigration and UK are going through unelected PMs faster than one can file a tax declaration.

My apologies for the late report. I've had vacation, been to an international conference, had Covid and then contemplating my future due to the upcoming and now finalised board meeting. The wind of change is blowing. It is a good, good time to look and execute on changes that needs to be done for improving one's life and work situation. One should never keep going to a job if one is not happy about it and as the saying goes: Love it, change it, leave it.

I've decided that it is time to move on and as you will see in the report below, I am not that far away. I calculated that I needed 350k € and then I wanted another 100k € for buying and restoring a property. There are cuts coming in my company and the best for the company will be to cut me out. The CEO will not want to do that, but it will be the best for the future of the company and after devoting over 6 years of my life to the company I want it to be successful, which means that there must be employees left working with their hands, which the new CEO appears to not acknowledge...

Yesterday I filed my tax declaration and had a couple of sweaty hours due to the calculations claiming that I owed ~11,500 £ in taxes. Had serious issues to find out what had gone wrong but managed in the end and will now instead receive ~1,000 £ back in on my taxes. #Sigh of relief#

I started hoarding some cash but, in the end, I decided to move money over to my German broker to have more investments in the currency of my future EURO!

For the previous summary please visit Summary of July 2022 and here you can see my stock portfolio as it is. 

The total invested value is now at: 321,868 €. Monthly investments made in ETF Mix and then I also invested in Rio Tinto and ETF EU 600.

The value of the portfolio is today: 416,279 € and I have 1,348 € in cash on my broker accounts. I have realised gains of 4,547 € and unrealised of 94,411 € (23%) which is not good enough and dropped down further lately. My ETFs are now up at a value of 62% of my portfolio.

DAX is now down to 13,460 points which means that it has decreased by -0.2% since the previous summary and my own portfolio has decreased by -2.1% in the same time period.

Conclusion: Both DAX and my own portfolio have dropped down since the July report but have now started to recover again. DAX more so than my own portfolio. My USA stocks such as Intel and Nike have pretty much dropped like stones... as an example Intel used to be +200% plus and are now only at +46% from purchase value, which is sad to see. Fingers crossed on that my discussion with the CEO is going well tomorrow.

Dividends during Aug/Sep/Oct 2022

 

Several companies have made payments during the three last months and can be seen below.

Yum Brands paid out 22.22 €.

McDonalds paid out 32.91 €.

Rio Tinto paid out 379.00 €.

ETF EU paid out 72.71 €.

Restaurant Brands paid out 56.13 €.

Nike paid out 12.41 € of which the tax man took 1.86 € leaving 10.55 € as cash on broker account.

BP paid out 46.53 €.

IBM paid out 40.48 € of which the tax man took 6.07 € leaving 34.41 € for me.

TJX paid out 18.84 € of which the tax man took 2.82 € and leaving 16.02 € as cash for me and finally...

Intel paid out 49.18 € with tax man taking 7.38 € and leaving me with 41.80 € in cash.

Stocks bought October 2022

 

Since I cannot make any further investments into my UK stock ISA, I decided to push some money over to my German broker account to buy a bit on the dip that had occured.

I therefore bought an additional 175 shares in Rio Tinto for a total cost of 9,954 € and this now gives me total of 325 shares at a cost of 19,544 € or 60.14 € per share. The reason being that most metals are being traded in dollars and they pay a hefty dividend of 11%. Rio Tinto is however traded on the London Exchange in £ which similar to the € have devalued compared to the $.

I also decided to push some more money into ETFs and I therefore bought 40 shares in a ETF EU 600 at a total cost of 6,811 €. Once again I preferred to buy in £ or € to avoid the strong $.

Summary of July 2022

 

Summary of July 2022

What can one say? Is war still going on. Yes, it is. Is Covid still raising its banner in the world? Yes, it is, however fewer have a serious impact. Is travelling still a nightmare in many airports? Yes, it is. Is supply of materials still a nightmare? Yes, it is. Is inflation and interests going up? Yes, it is. I see few things to be cheerful about however I also have the built in resilience that people will still consume and companies will still make products so I'm not worried about any of the developments on the stock market.

I managed to go to the south of France for some camping. It was a great experience and I've never done river hiking before but it was the greatest ever! To walk in the cold mountain river, while having temperatures above 35 deg C. It was great! Funnily enough I avoided the heat wave that arrived to the UK with over 40 deg C on one day. Pity that I missed it.

I've now completely filled up my stock ISA and will most likely be hording cash for the time being.

For the previous summary please visit Summary of June 2022 and here you can see my stock portfolio as it is. 

The total invested value is now at: 302,590 €. Monthly investments made in ETF Mix and Restaurant Brands.

The value of the portfolio is today: 397,851 € and I have 3,414 € in cash on my broker accounts. I have realised gains of 4,547 € and unrealised of 95,262 € (24%) which is not good enough and dropped down further lately. My ETFs are now up at a value of 63% of my portfolio.

DAX is now down to 13,484 points which means that it has increased by 5.2% since the previous summary and my own portfolio has increased by 7.7% in the same time period.

Conclusion: Both DAX and my own portfolio have made a recovery during July. I can not invest any further money in the UK for the time being so I will be holding onto cash. Elections have or are going on in many countries so it will be interesting to hear the populations opinion.

Dividends during July 2022

 

I received some dividends from Restaurant Brands in the size of 29.66 € that was paid out as cash on my broker account.

I also received 32.62 € paid out as cash from Associated British Foods during the month of July.

Stock bought in July 2022

 

I decided to increase my position in Restaurant Brands International and I therefore bought 55 more shares at a total cost of 2,793 €. I now have a holding of 120 shares at a total cost of 6,438 €.

Summary of June 2022

 

Summary of June 2022

War still going on in Ukraine and people are dyeing every day. Ukraine is a large food producer and exporter which can potentially lead to global food shortages. Inflation and interests rates are increasing globally. Covid is coming back and the infection rates, happily not death rates, are increasing day by day. More countries are trying to protect themselves by joining Nato and from the energy crisis by building more nuclear plants. The world is open for travelling but airspace over Ukraine and Russia is not which is creating massive issues. The managers of the airports globally thought they were clever during Covid - they were not, and now we are stuck in an open world where we should be able to go anywhere but we are unable to get through security at the airport in time to catch the flight OR the flight gets cancelled at the last minute. May we live in interesting times.

So... the stock market have during June reacted to all of the above and probably also to many more things that I've missed to put into the list. Dividends do however keep dropping in and I received a bit more than 400 € so that is good news. Bad news is that the stock market is shaky and the money that I had started to build up for my renovations object have now been wiped out and there is nothing to say that this will be the end of it so it will probably continue down which then "eats" into my retirement fund. Is my brother right? Will I need a bigger buffer before retirement? 

Currently I'm still sitting with a good job in a position that is paying me fairly well so I'm in no stress to leave. The new boss have still not arrived and I'm enjoying my freedom of doing pretty much whatever I fancy. Let's see what the pushback will be one day.

Am I worried, concerned, having sleepless nights of any of the above? No, I'm not. Life is in the end good and my heart is with the people in Ukraine that are currently suffering.

For the previous summary please visit Summary of May 2022 and here you can see my stock portfolio as it is. 

The total invested value is now at: 296,096 €. Monthly investments made in ETF Mix, Rio Tinto and I divested Stock X.

The value of the portfolio is today: 367,039 € and I have 6,068 € in cash on my broker accounts. I have realised gains of 4,547 € (due to loss from selling Stock X) and unrealised of 70,943 € (19%) which is not good enough and dropped down further lately. My ETFs are now up at a value of 64% of my portfolio.

DAX is now down to 12,813 points which means that it has decreased by -11.4% since the previous summary and my own portfolio has decreased by -11% in the same time period.

Conclusion: DAX is down and I am down. I keep investing and I've now added in the final amount of money to my UK ISA broker account (£20k per year and the tax year started in April 2022) so I've got one more investment to make in July from the cash that is now in there but after that the money needs to be brought into action somehow else. I might be forced to just keep it as cash which fills my heart with dread. 

Dividends during June 2022

 

Yum brands paid out 21.62 € as cash on my broker account.

McDonalds paid out 31.22 € as cash on my broker account.

ETF EU paid out the handsome sum of 326.30 € as cash on my broker account.

Nike paid out 11.67 €, however taxman withheld 1.75 € and I received 9.92 € in cash on my account.

BP paid out 40.66 € as cash on my broker account and finally

IBM paid out 38.94 € of which taxman took 5.84 € and I got 33.10 € as cash on my broker account.

Stocks bought/sold June 2022

 

I increased my holding in RioTinto by buying 40 more shares at a total cost of 2,376 €. My total holding is now 150 shares at a cost of 9,590 €.

I also sold off Stock X so 364 shares departed and this gave me 71 € in cash on my broker account after the trading fees were paid giving a total loss of 991 €. Stock X was a small American company that was seeking FDA approval for a drug that is already commonly used in the world, including EU. However they failed miserably in getting that approval hence no reason to keep them.

Summary of May 2022

 

Summary of May 2022

Overall it has been a tough start of this year. I keep investing more money each month however there is shockingly little movement in the current value of the investments. I was also profiting from a stronger £ however that has now also dropped down which has a large impact on the Mixed ETF that I have in the UK.

It is sad to see how much attention Mr. Depp and ex-wife is receiving while we have a war going on with thousands of casualties just next door. Each time someone tried to bring it up with me I raised the Ukraine/Russia situation. They all consider me to be a party pooper but I do not care. I find humans ability to focus, including on bigger matters, to be appalling.

I made my first international business trip this month. A two day journey to Germany and that was it. Still it is a start and I hope that more will join me in that they will never take business or first class flights ever again. It is simply not worth it for either the environment nor for the cost.

I've still not received a new boss and it seems as if it will be a slower process. There is a lot of drama at work since quite a lot of people are taking some liberties in how they act and what they do... me included... So I'm currently having a great time at work!

For the previous summary please visit Summary of April 2022 and here you can see my stock portfolio as it is. 

The total invested value is now at: 294,030 €. Monthly investments made in ETF Mix and ETF EU.

The value of the portfolio is today: 394,952 € and I have 5,538 € in cash on my broker accounts. I have realised gains of 5,538 € and unrealised of 100,922 € (26%) which is not good enough but it is improving. My ETFs are now up at a value of 63% of my portfolio.

DAX is now up at 14,460 points which means that it has increased by 2.6% since the previous summary and my own portfolio has decreased by -1.3% in the same time period.

Conclusion: DAX continues to do well this month also while I am treading water. I can only push in £2k into my stock ISA in the UK which is most likely going to happen next month and after that I will probably have to start bringing money back home to Sweden as preparation for retirement. Annoyingly it will have to remain as cash which I'm not at all pleased with.

Dividends during May 2022

 

Several dividend payments were made during the month of May of which some were more substantial than others...

TJX paid out 17.65 €, 2.65 € going to taxes leaving me with 15 € in cash on my broker account.

RWE provided me with 297 € of which 78.33 € went to tax and 218.67 € ended up on my account.

BASF made a hefty payment of 476 € however 125.54 € went to the taxman and I ended up with 350.46 €.

Talanx paid out 128 €, 33.76 € to taxes and 94.24 € as cash to me.

H&M paid out 186 € and 23.13 € was withheld in taxes, leaving me with 162.87 € in cash.

K+S provided 48 €, 12.66 € to taxes, giving me 35.34 € in cash.

VW paid out 90.72 €, of which 23.92 € went to the taxman and I received 66.80 € in cash.

E.On. paid out 196 €, also here tax of 51.69 € was removed, and I got 144.31 € on my broker account.

DB paid out 84 € with 22.15 € withheld and 61.85 € as cash on my account.

And finally Intel paid out 45.97 €, US withheld 6.89 € in tax and I received 39.08 € to invest into new ventures.

Stock bought May 2022

 

After the general share price drop I decided to push some more money into my EU ETF so I bought an additional 120 parts at a total cost of 4,055.61 €. I now hold 475 parts at a total cost of 16,357 €.

It will be updated in the new summary that is coming shortly.

Summary of April 2022

 

Summary of April 2022

Plenty has happened since my last report which is also part of the reason why I missed one in March. Russia took the wrong decision and invaded Ukraine and are learning the hard way how difficult it is to invade a democratic country in the world and I hope that China will realise in other areas of the world that they need to take a step back.

Received some very nice dividends from Rio Tinto and Skanska.

I've managed to travel to Australia to surprise my brother on his 50ths birthday and then back home to Sweden for Easter holiday. My brother was very pleased to see my in Australia but my gosh, is it a loooong trip to make for only 5 effective days in Australia. Prices have also gone up by 2 to 3x since I last went there in February 2020. It was well worth it and I was the only one that could make the journey so I did.

My current boss have decided to step down from the company which means I will get a new boss! This is very exciting for me while plenty of people in the company are scared about the transition and change but I am not. I'm loving it! We all have our benefits and faults and I'm looking forward to experiencing those of my new boss in the near future. This will either accelerate or decelerate my departure from the company. I hope it will be a female since in my opinion they are better bosses in todays environment and more of them are needed to break up the "old dog" structures.

Work have also started on our summer house in Sweden and in the coming months we can look forward to have yet another house on the property which we can either rent out or use when plenty of us are there. It is very good progress and I'm very pleased!

For the previous summary please visit Summary of February 2022 and here you can see my stock portfolio as it is.

The total invested value is now at: 289,980 €. Monthly investments made in ETF Mix, ETF EU, Yum, Restaurant Brands, Netflix, EasyJet and I divested Shell.

The value of the portfolio is today: 393,422 € and I have 6,269 € in cash on my broker accounts. I have realised gains of 5,538 € and unrealised of 103,442 € (26%) which is not good enough but it is improving. My ETFs are now up at a value of 62% of my portfolio.

DAX is now up at 14,098 points which means that it has increased by 7.7% since the previous summary and my own portfolio has only increased by 2.1% in the same time period.

Conclusion: DAX have had a strong wind in its back while I pushed in some serious amount of money. This usually creates a setback especially when I'm trying to capture falling knives such as Netflix. I do however still believe that in the long run it will all be good. I've been flying plenty with EasyJet lately and the flights are full so hopefully also the earnings will start to reflect this.

Stocks bought/sold during March/April 2022

 

Due to the that Shell was even considering to buy oil from Russia during the ongoing war in Ukraine I decided to directly sell them off. I will also admit that I reacted in haste but when it comes to, to me, morally wrong things then I prefer to push the sell button too early than too late. I therefore sold my 270 shares in shell for a total value of 6,210.41€. During the 16 months holding period I have received dividends in the size of 274.40€ on the investment of 3,039.41€ meaning I had a profit of 113%.

I bought an additional 190 parts in ETF EU for 6,250.72€ which is now up at a total 355 parts with 12,301€ invested.

Due to that my stock ISA had been filled I've been holding on to a larger quantity of cash that I could now in the start of the UK tax year push into the Stock ISA for this money I therefore bought:

400 more shares in EasyJet for a total cost of 2,799.39€.

25 more shares in Yum for a total of 2,876.17€.

30 shares in Netflix for a total cost of 6,131.44€

65 shares in Restaurant Brands International for a total of 3,640.19€.

All this will be updated in the new summary that is coming shortly.

Dividends during March/April 2022

 

Yum brands paid out 9.74€ as cash on my broker account.

McDonalds paid out 29.89€ on my broker account.

ETF EU paid out 45.11€ to be used as I please on my UK broker account.

Shell paid out 58.86€ on my broker account.

Rio Tinto paid out the handsome amount of 462.12€ as cash on my account.

Intel dribbled in 31.56€ in cash.

BP paid the miniscule amount of 39.85€ as cash.

Nike provided me with 9.37€ in dividends and finally...

Skanska paid out 242.94€ of which I got to keep 170.06€ paid out as cash.

Summary of February 2022

 

Summary of February 2022

Ski trip was great even though I could not spend as much time as I would have liked with my brother and my cousins families and I also came to the conclusion that skiing in Salen is good but it still feels small. I need to improve my snowboarding skills also...

Plenty of things are going on in the world at the moment that have a negative impact on the stock market. Russia/Ukraine is the big one at the moment, the upcoming increase in interest rate in the USA indicating that the party must start to be reined in, energy prices have kept increasing and of course not to be forgotten Covid. China is still running a zero tolerance policy which is significantly hurting their businesses at the moment while most of the world have started to relax the regulations.

A few dividends dropped in so that is always nice.

Had a discussion with my boss and managed to get more vacation days so I'm very pleased about that. I keep looking at properties in France but getting building permission appears to be less easy and one needs to speak with the council to find out about local regulations on the topic.

For the previous summary please visit Summary of January 2022 and here you can see my stock portfolio as it is.

The total invested value is now at: 268,137 €. Monthly investments made in ETF Mix and ETF EU.

The value of the portfolio is today: 357,279 € and I have 1,826 € in cash on my broker accounts. I have realised gains of 2,498 € and unrealised of 89,142 € (25%) which is not good enough but it is improving. My ETFs are now up at a value of 62% of my portfolio.

DAX is now down at 13,095 points which means that it has decreased by -14.2% since the previous summary and my own portfolio has decreased by -10.7% in the same time period.

Conclusion: It's a bad period in the world at the moment which of course have led to some opportunities that I for moral reasons are refusing to grab. 

Stock bought in February 2022

 

I decided to buy some more ETF EU and I therefore increased my holding with 100 parts at 37.00 € which gives me a total of 165 parts at the cost of 6,050 €

Dividends during February 2022

 

Received dividends from three companies this month of which only one was substantial.

Intel paid out 44.08 € to me, from this was taken 6.61 € in taxes which left 37.47 € as cash on my broker account.

TJX paid out 15.01 € and after taxes that left me with 12.76€ in cash.

and finally DBAG paid out 248.00 € to me of which the German tax office took 65.41 € and I was left with 182.59 € as cash on the account.

Summary of January 2022

 

Summary of January 2022

Few dividends have arrived and I'm making this summary early due to a ski trip with my family in Sweden next weekend meaning I will be gone for two weekends in a row so this was the best opportunity to report on the developments. Stock markets have gone down and without bringing in more money things are not looking at its best right now for me. As you all know I really do not care.

Received a miniscule salary increase and an acceptable bonus payment, both should arrive on Monday. On my UK stock ISA I'm only allowed to add in £2k more this tax year meaning that I will add in those 2k this month and make one investment but after that I will just have to sit on cash until early April when the new tax year starts again here in the UK. Annoying!

I keep looking at properties in France, and every now and then I see something of interest, however I cannot yet act on it. Smaller vineyards can be bought for surprisingly little money however they then never have a house on them and they have not been run properly either so plenty to do to get it up and running again if one would wish for that. I need to find out more about building permission in France.

For the previous summary please visit Summary of December 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 257,321 €. Monthly investments have not been made since the last report.

The value of the portfolio is today: 371,551 € and I have 2,868 € in cash on my broker accounts. I have realised gains of 2,498 € and unrealised of 114,230 € (31%) which is not good enough but it is improving. My ETFs are now up at a value of 60% of my portfolio.

DAX is now down at 15,266 points which means that it has decreased by -4.3% since the previous summary and my own portfolio has decreased by -5.2% in the same time period. Mainly my ETF Mix have been hit very hard.

Conclusion: DAX have performed slightly better than me this month and the big bulk of reduced unrealised profit has been with my ETF Mix. Omicron, energy prices, interest rates and Ukraine/Russia is likely to be the headlines. None of which I can change and hence I continue and as always... I wish I would be sitting on more cash to push into investments now. I will soon have that but I'm limited with my Stock ISA anyway. I hope all of you are sitting in a better situation today!

Dividends during January 2022

 

Only one little dividend have had the chance to drop in and that was from Associated British Foods. From my 200 shares I received 82.17 € in dividends and this was directly paid out as cash on my broker account.

The stock portfolio development during 2021

 

It has been a spectacular development during 2021. My stock portfolio increased in value by almost 139k € of which 74k € was saved and 65k € came from the value increase. Another year like this one, minus Covid, would be great for me.

In the previous report the stock portfolio development 2020 I spoke about that I had readjusted my target from the original 750k € to 350k € but lately I've increased it to 425k € for having the possibility to buy and restore a renovation object, ideally in the South of France.

This now appears to be a viable option for me to do in one year and four months especially since I'm already up at 383k €, market crashes must however be considered and will then also create delays.

As can be seen in the graph above my plan is working well. In my first year (2012) of investment I ended up with a stock portfolio in the value of 17,659 € which was 4,744 € more then my plan required. In the second year (2013) my stock portfolio grew with 73 % and ended up with a value of 30,623 € which was 4,723 € above my target meaning that I managed to stay ahead of my plan but I did not manage to increase this advantage. In the third year (2014) my stock portfolio grew with 57% and I ended up with a value of 48,208 € which is then 8,333 € ahead of my investment plan which means that I managed to double my advantage during 2014. In the fourth year (2015) my portfolio grew by 53% and I am up at a value of 73,579 €. My plan was to have a stock portfolio of 54,915 € in the end of 2015 which means that I am now 18,664 € ahead of my plan. During my fifth year (2016) which was horrible in terms of new investments my portfolio still grew by 20% and the value was up at 88,414 € which mean that I was still 17,312 € ahead of my plan. In the sixth year (2017) the portfolio grew by 24% with a value of 109,606 € which was 21,802 € ahead of my plan. Followed by my seventh year of investing (2018) and an estimated growth of 19% and a value of ~130,000 which kept me 22,726 € ahead of my plan (hit by divorce). To then in my eighth year of investing (2019) with a growth of 24% with a stock portfolio value of 160,669 € and me being 33,216 € ahead of the plan (still hit by divorce). In the ninth year of investing (2020) and a growth of 52% and a stock portfolio at 243,801 € and me being 94,629 € ahead of the plan (final year of being hit by divorce). In my tenth year (2021) I had a growth of 57% and a stock portfolio at 383,941 € and by that I was 211,395 € ahead of the original plan.

Interesting to observe how well I've managed to progress once the divorce was completely out of the way and even when I had the final hits in 2020 I was so well prepared for it in the end of 2019 that most of it had already been absorbed.

Conclusion: The portfolio has been boosted by a full year of savings without any disruptions and additional costs, Covid downs but mainly market races, the beneficial company pension scheme and salary & bonus increases due to increased responsibilities at work. I look forward to 2022 being the best year ever! Ever!

Oh, and I would also like to apologise because I don't have the energy/interest this year to create the End of year overview of each individual holding. It has somehow become irrelevant to me since I pretty much just buy and hold and I hold them until an external factor forces me to make a sale.

Summary of December 2021

 

Summary of December 2021

In December I managed to travel to Berlin to have feuerzangenbowle with my old friends there and I also managed to go back home to Sweden to visit and celebrate Christmas and New Years eve with them. I had a great time and even managed to get in some snowboarding in the small ski slope next to my families summerhouse. I hope to go snowboarding again in February with my family in Sweden.

Socks seems to have been the Christmas gift of the year in my family. Exciting? Not very, but oh, so useful!

At work we are still being hit by having customers in Asian countries that do more sever lockdowns due to them not having a sufficiently high percentage of the population vaccinated. Have Covid created a "natural selection" in the western world with such surprisingly high percentage of people refusing to get a vaccination? Life in Germany has become difficult if one is not vaccinated. I could not even enter a normal clothes store without showing my vaccination "passport". If this approach is right or wrong I cannot say but a private company that wants to protect its employees have of course every right to refuse customers - it's as easy as that! This will also be a continued driver of online shopping and having everything delivered  home.

As a final note, I find that the step of travelling is extremely safe with going through security checks, boarding, sitting in the airplane, and finally a passport check upon arrival. I see very low risks with the entire process and I doubt many are being infected during the travel and more so while they are on the vacation location and are being more relaxed and maybe not following procedures all the way.

For the previous summary please visit Summary of November 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 256,767 €. Monthly investments were made in the Mixed ETF, Rio Tinto and ETF EU.

The value of the portfolio is today: 383,941 € and I have 2,777 € in cash on my broker accounts. I have realised gains of 2,498 € and unrealised of 127,458 € (33%) which is not good enough but it is improving. My ETFs are now up at a value of 61% of my portfolio.

DAX is now up at 15,948 points which means that it has increased by 4.5% since the previous summary and my own portfolio has increased by 5.6% in the same time period.

Conclusion: Christmas rally took place in spite of the omicron variant. My holdings managed to perform slightly better than DAX during the month and I am being pushed upwards due to an increased value of the Queens shilling. I've very quickly moved towards my new target of (350+50+25=) 425k€ to buy and restore a renovation object in the South of France and are only missing 42k€ (excluding any potential market crashes). I will however not retire earlier and instead I will hopefully further increase the buffer. My brother spoke to me during the Christmas holiday and was worried about my future and especially concerned that the cash would not be enough. He is very sweet though and offered that I could move into his house once his kids have left in 18 years time - so my cash had to hold my floating until then. A very kind offer but I'm 100% certain it will not be required with me working another 1 year and 4 months with remained insane saving percentage.