Index kontra Hedge: +4.65%

I skrivande stund har det lilla index kontra hedge experimentet pågått i ca 3 veckor och index leder klart!

Index leder med 7693/7351 - 100% = 4.65%

Total sett har jag "tjänat" (7693+7651) - 2 * 7500 = 344 kr

Index kontra Hedge - ett fälttest

Warren Buffet har ju som bekant ett längre vad (10 år) kring vad som presterar bäst över tid, en alldeles vanlig indexfond kontra en (hemlig) sammansättning av hedgefonder gjord av vadets motpart (en hedgefondstjärna av något slag).

Nu har jag beslutat mig för att sätta upp ett eget litet praktiskt experiment - ett fälttest helt enkelt: Regelbundet göra inköp i en indexfond samt en hedgefond.

Några ickevetenskapliga kriterier för valet av fonder:

1) Ska kunna gå att månadsspara i via Avanza

2) Ska kunna gå att månadsspara i på valfritt datum under månaden

3) Ha en historik längre än 5 år

4) Inga extra avgifter då man handlar via Avanza

Efter inte alltför mycket studerande föll valet på:

Indexfond: Avanza Zero - Sveriges första fond utan avgifter och dessutom Avanzas stolthet.

Hedgefond: Lynx Dynamic - delägd av Brummergruppen och där köp- och sälj baseras på avancerad matematisk analys. Att stora delar av ledargruppen är civilingenjörer känns positivt. Lynx är även del av Brummer Multi-Strategy fonden (i vilken man betalar extra avgift om man köper via Avanza, i övrig en bra hedgefond-i-fond även om den under senare tid har blivit en besvikelse).

Och nu till själva testet:

1) Köp för samma belopp i båda fonder den 7:e, 14:e, 21:a och 28:e var månad.

2) Utvärdera i slutet av varje kvartal.

3) Låt testet löpa åtminstone två år.

4) Köp för samma belopp under hela perioden (förutsatt att inget oförutsett händer på den privatekonomiska fronten.

Sagt och gjort: De första inköpen gjordes häromdagen:

Fortsättning följer.

Investor in i aktieportföljen

Investor, denna gamla pärla, har återigen blivit medlem av min samling av aktier. Från att tidigare ha en ganska spretig bukett med aktier med ganska mycket meningslöst löp och sälj satsar jag numera på ett mindre antal aktier jag ämnar att behålla.

Innehaven i Aktieportföljen har uppdaterats. Aktuell fördelning hittar ni nedan:

The cost of work

How much does it cost you to work?

Perhaps a somewhat strange question, but please allow me a few lines to explain. If the aim is to become financially "free", i.e. being able to live out of a passive income and retire* before the official retirement age, we have to factor in the cost of actually working. Sure, net effect is positive, but in my case there are a few cost items I have due to working which I would otherwise not have of would be significantly different; a few examples:

• Car - we would will not need two cars if when I retire*
• Work day lunch
• Work clothes
• Etc.

In addition to the above we have some softer and harder to quantify financially factors to consider as a consequence of having a "normal" job:

• Time away from family
• Stress level affecting health
• Less time/energy to exercise, causing a medium/long term health risk
• Etc.

When retiring* there would of course be other activities also generating costs, but I would be in much better position to control these and ensure that e.g. food is healthy, that I get enough exercise etc.

*) I keep adding a start after each time I mention the word "retire". This should probably be described in a separate post in some length, but what I mean is that 

• I have enough financial assets so that I with a 4% withdrawal can finance our cost of living
• I quit my full time job
• I might do some part time work on a contract basis every now and then (because I want to, not because I have to)

So, with this said: One action coming out of this is for me to calculate the cost of work (at least the parts which I can determine financially) and see what that does to my financial freedom calculation.

Shares to buy end of Q1

I do not have any money "available" for investing at the moment and also try to limit my selling and buying to a quarterly rhytm.

Assuming I have money to invest I am looking at these shares for purhcase at end of quarter 1:

TeliaSonera 
I will buy if < 40 SEK / share (at the time of writing 37.79).

In short this is a Nordic telcom company with high dividend (> 7% with current share price and forecasted dividend). Yes, a number of scandals last few years due to dodgy deals in eastern countries, but current management is cleaning up.

SSAB B
I will buy if < 20 SEK / share (at the time of writing 18.70).

In short this is a Swedish quality steel maker, which has suffered termendously as most (all?) other commodity companies. After today's 2015-Q4/annual report the share went up with almost 17%(!), however from a very low basis when looking at the share price over last few years.

Volvo B
I will buy if < 80 SEK / share (at the time of writing 80.05).

This is the truck and industrial equipment Volvo, not the personal vehicle one (which was sold to Ford many years ago and then to Geely a few years back).
I can't really put my finger on what exactly it is that I like with this company, but I have for a long time felt like owning a few shares in this company and the share rice has with a few exception been going between 80 - 100 SEK / share...

Perhaps the reason behind my love for this company is one on the coolest commercial films ever.

Target: 60% monthly savings rate

While living a life with an interesting (but sometimes frustrating) job, great food, family and a few friends I am able to save from my take home pay each month.

For the year of 2016 the target is to save away more than 60% of my net salary (i.e. after tax). This should enable me to reach my ambition of financial freedom (simple life based on a 4% withdrawal rate from saved/invested money) well before the day I turn 65.

There are of course tables defining how fast you would be able to reach financial freedom with such a savings rate. My ambition is to be able to quit work latest 9 years from now. Let's see if the wife agrees and supports...

So, another ego-target to my list of targets:

Area	Starting point	Target	When
Monthly savings rate	50%(?)	60%	Average monthly savings rate during 2016.

I'll come back on how it's going and how far is left until the moment of financial freedom.

Tennis elbow - hurtful for the Ego(n)!

Yours truly, the strong Egon(n) has a weakness. It seems that after multiple sessions of tennis (after a life in quiet fat accumulation) the elbow has decided to not play along fully anymore.

I have always thought that tennis elbow is something untrained and unfit people get. Now I know that is true! :-)

The fight to get fit again has now received more fuel in form of motivation.

103.5 kg on the scale this morning. Down around 2.5 kg:s since the start of a more healthy life almost  a month ago, but I have somehow lost the discipline, which will from now be implemented again.