New Saver Portfolio

Spara och investera Fonder, fondrobotar och indexfonder
1

Hej lovely people,

Sorry for writing in English. This is one of the fantastic and super active groups I found in Sweden as I am trying to understand and navigate the investment landscape.

Super new to the investment market, have a stable income, aiming to secure a long term future - pension and some saving for kid. I assume to save 3k per month, if everything goes smoothly. Just joined Avanza a week ago, invested around 10k that I can safely use without making a big fuss.

The current portfolio consists some Swedish and one american share along with multiple funds. The shares are for the long term, mostly for a learning purpose for the time being, thus not much invested.

However, I’d like the fund investments for a monthly saving. The current portfolio looks like the attached screenshot. Do you think it’s a good one? Despite being an investor for a week, I see that DNB Global Invests heavily on the US market, while Avanza Zero is quite limited. Also, while I see many suggests in this forum to have some emerging market investment, I do not see any historically good paying off funds at cheap rate.

What is your reflection? How would you evaluate this? Do I need to diversify further? Is it a good idea to focus on Swedish funds (Avanza Zero is perhaps not a good one)? Also what about bonds and equity funds? Any suggestions?

Sorry for asking too many questions. I am just concerned I believe - both as a new one and experiencing the turmoils.

Tack tack!!

1000046515
10000465151080×2340 166 KB

2

I also add my aktie portfolio. As I said, this is mostly for the learning purpose. I might keep some of them for a long time, and others I will see how they work out in a couple of months or a year.

1000046516
10000465161080×2340 166 KB

3

I’ll let the experts talk, but stocks are gambling and have worse odds than just index funds, so keep that to 5–10% of your total investment. What’s up with 25% on Spiltan Räntefond… interest funds? If you’re under 50, you’re more likely to get a better return with 100% index funds. I wish u the best of luck :blush: Keep it up!

1 gillning
4

Hello and welcome!

I’ve noticed that Länsförsäkringar Global,dnb global and Länsförsäkringar usa index all are overlapping with Nvidia and you also got the nivida stocks. Alot of overlapping there!

Im going with
DNB global 70.5%
PLUS allabolag Sverige index 10%
Avanza emerging market 7.5%
Storebrand europe A 7.5%
Avanza zero 4.5% (just some Casual Saving for my stepkid and a friend of mine’s kid)

And that is for the Monthly savings för 4.700
Then another 300 on Swedbank for my nephew!

In terms of stocks i have some in svolder B.

Not an expert in anyway, just a Newbie myself!

What i’ve read so far on this forum is to diverse your funds/stocks so they wont overlap too much, usually just one Global fund is enough.

Then have funds with low fees, I had Avanza Global at first but did some research that DNB global have a wider Spectrum than Avanza Global (even if the fee is a bit higher)

1 gillning
5

Dear Kalle,

Good point. I also reflected on it. But, I was perhaps a bit worried as a beginner during a chaotic time, and tried to play safe without losing much until the time calms. But, hej, it seems we can’t predict when it will be a bit calm, and perhaps not in the next four years - we will see many ups and downs.

But many thanks for your advice. I did a bit of rebalancing and reduced spiltan to 10%.

Good luck to you too.

1 gillning
6

Hi Peter,

Thanks for taking the time and sharing your valuable feedback.

Yeah, this US exposure is something worrying, even though we can’t discount the importance of this market - this is still the strongest economy, and I don’t forsee that being changed soon.

Regarding the overlaps, I don’t know why I bought the NVIDIA stock. I tried to buy it when the price was low, then the price hiked and now it’s down. Nevertheless, as I wrote, it’s more about exploring, and I will leave it for at least a year or two, and hope I will at least breakeven with that.

Regarding the fund distribution…good point!

I have two reflections, and feel free to educate/enlighten me here.

a) I see in this forum many people praises LF, but my experience seems to be different. Since I have both DNB and LF global, I observed for two weeks (ish), and I notice that for LF Global somehow underperformed compared to DNB everyday, almost more than 1%. Have you noticed that as well?

b) I also see everyone referring to Plus Allabolag, but the historical growth on Avanza, it shows that this fund grew only 5.5% over the last 3 years compared to Avanza Zero, which I understand is much more of a limited spread. I am not sure what I am misintrepreting here. I’d really love to know the interpretation behind this suggestion except for the spread.

Emerging markets are interesting, but also perhaps quite shaky, and probably in the next years they will be stirred quite a lot. But, hej, no risk no gain, especially in the long run. I will explore this suggestion.

Cheers!

7

Avanza zero is following a very narrow index which is why it is a bit discredited here. A good choice as an alternative to Plus Allabolag would be SEB Sverige Index
Not advocating this fund per se, but in my opinion, Plus Allabolag or the SEB fund I referenced are better choices for a bit of SE home bias, say, 5-10% max.

8

I would suggest a regular savings account for money that you might have use for in the short term. And then go 100% stock funds (and some stocks if you want) on your Avanza account.

So, save that 25% (or 10%) if you need it soon and put it into a regular savings account instead.

Resurs bank for instance will give you 2.60% interest right now, for zero risk.