Story so far…

Currently I am sitting on a approximately 40% Cash and 60% equity balance. This is because currently I only have a partt-ime job with irregular hours so I feel the need for a greater safety net incase of release from employment, sickness or other extreme events. This sum should be able to sustain me for an approximated year and a half with no additional income.

Being a months since I started this blog I realized I think it would be nice for me to keep a journal of how my portfolio changes, the resource allocations and the asset allocations within these resources. I’ll start by making a list here in this post but I’m contemplating filing these away under a new tab. Potentially called one of the following “Portfolio Allocations / Portfolio History / Asses Allocations.”

Currently (2017-03-02):

CASH: (% is given of the total portfolio)

Low Interest rate account (0.7%) :  36.6%

Non Interest rate account (0.0%) :  5.6%


Stocks :  42.7%

Bonds:   15.1%


xxxx:xx %

Total Debt in % of net worth  78.8%

2016-06-26:  (Approximately start of my investment phase)

CASH: (% is given of the total portfolio)

Low interest rate account (0.7%)  : 92.2%

Non-interest account (0.00%)     : 0.94%


Stocks :  4.1%

Bonds :  2.8%


xxxxx: xx %


Total debt in % of net worth : 89.4%

I wish you all the best until next time,

// A.W

Dividend Portfolio

For my asset allocation I am looking to diversify in several ways, one of these being a cash return investment in the form of dividends yeild portfolio.

My idea behind this portfolio is that I am looking for about 8-10 companies that have an established market share, good prospective growth and a potential for a long term sustainability. These stocks should have a history of seldom lowering thier dividend and often having a continued increase in dividends given out. These dividends will hopefully be the cashflow that allows me to pay my rent, and generall upkeep throughout my retirement.

If we expect an on average dividend yield of 4% of the assets and a monthly upkeep of $2500 in nomial terms this will mean that I’ll approximately need an asset size of  $750,000.

If we are looking at timespan of 25 years not accounting for inflation I will have to save approximately $30,000 dollars yearly, or $2500 monthly with a 0 percent rate of return.

But if we now persume that I will have a similar rate of return on my investmet this will accumilate up to $1,503,403  more than double of the amount that I need with an averaged 5% annual growth.

If we reduce the monthly savings to just $1500 per month, include a yearly standard tax on assets after the 25 year period the total capital should be $843,519 with is just above my goal.
Taking into account irregularities and pitfalls this feels like a decently goal to aim for for my $750,000.

More ideas and thoughts will follow.
best regards,

// A.W

Starting out

and how to get to where a am now, part one.

It began with a mental decision, “I don’t want to live in eternal debt for the rest of my life.” This idea came from watching most of my friends frivouslly spend their student loans on alcohol, trips, clothes, eating out and other non-essentiall trivialities. At the end of the month before the next payment was in they where always going on about how broke and poor they where, but once again when the next loan arrived out and away it too went. I was in the same situation with these groups of friends and was spending my money the same way. One day after much contemplating I took a stand. I was going to start savnig up enough money so I could be free for a couple of months and not need to strees for the next loan to arrive.

I started using my normal bank’s savings account. It had an interest of 0.7% when I first started using it. This quickly dropped down to 0% within just a few months. Eventually i started looking for another bank account with a greater interest rate. i found one with 2.5% that was governmentally insured incase the bank lost all its money I would recieve a compensation for up to a certain amount (way above what I was investing). There it sat for several years untill due 1.5 years ago when I got a notification saying that the interest for this bank account was also at 0.5% lower then my initial bank account.

I took a look at the amount of money i had saved up, and compared it to the interest rate on my school loan and realized my percentage rate of return was lower than the interest on my loan! Here is where I took the next step to learning more about private economy, investing ideas, and passive incomes. I will continue to discuss these in future posts.

best regards,