tag:blogger.com,1999:blog-64635516927584493902023-06-21T06:37:11.916+02:00et divisi suntet divisi sunt is an investment blog focusing on long term growth. The goal is to differentiate by having an wide focus when it comes to countries and sectors.Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.comBlogger123125tag:blogger.com,1999:blog-6463551692758449390.post-47551338775032992332018-11-06T19:20:00.000+01:002018-11-06T19:20:02.335+01:00Income/expense August 2018My spending for August was more or less average. Compared to last <a href="https://etdivisisunt.blogspot.com/2018/08/incomeexpense-july-2018.html">month</a> it was a great improvement.<br />
<br />
Expenses: 12 940 SEK<br />
Income: 32 300 SEK<br />
Savings rate: 59.94 %<br />
Dividend/Expense rate: 7.35 %<br />
<br />
<span style="font-family: "times new roman";">A summary of my savings rate can be found via this </span><a href="http://etdivisisunt.blogspot.se/p/savings-rate.html" style="font-family: "times new roman";">page</a><span style="font-family: "times new roman";">.</span>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-56885635359935960382018-11-06T19:18:00.004+01:002018-11-06T19:18:50.724+01:00Goal NovemberSo I've managed to workout six times each week for both September and more or less also in October. I was on a trip so I missed some days. It's a nice habit and I've increase my endurance and strength quite a bit. I've been starting slow and so far it feels like my body is keeping up with the increase workouts.<br />
<br />
For November my goal is to meditate 10 minutes each day. I've been reading up a bit on easy way to improve ones life and the top tips seems to be workout, sleep good, mediate and fast. I'm thinking about starting with intermittent fasting, but as long as I train as much I think it will be too tough.<br />
<br />
I'm also going to get back to the blog. I've had a bit too much on my mind.<br />
<br />
Goal <span id="goog_1848461531"></span><a href="https://www.blogger.com/"></a><span id="goog_1848461532"></span>November: Meditate for 10 minutes each day.<br />
Goal October: - <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/09/monthly-goal-september.html">September</a>: Workout six times each week. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/08/monthly-goal-august.html">August</a>: Clean my home 10 minutes each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/07/monthly-goal-july-2018.html">July</a>: Eat less sugar. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/06/monthly-goal-june-2018.html">June</a>: Spend time/talk to a friend each day outside of work. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">May</a>: Get up at six every morning. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-87345982607039208442018-09-13T21:10:00.001+02:002018-09-13T21:10:05.860+02:00Dividend August 2018<div>
Another month has passed with some sweet dividends.</div>
<ul>
<li>SDIV 36.94 SEK</li>
<li>SRET 35.81 SEK</li>
<li>SPFF 61.47 SEK </li>
<li>SDEM 18.41 SEK</li>
<li>T 154.62 SEK</li>
<li>ABBV 70.55 SEK</li>
<li>PG 158.12 SEK</li>
<li>O 78.82 SEK</li>
<li>HRL 25.84 SEK</li>
<li>GIS 56.28 SEK</li>
<li>EQNR 21.15 SEK</li>
<li>ALA 62.73 SEK</li>
<li>TD 58.87 SEK</li>
<li>EIF 40.87 SEK</li>
<li>AD 70.86 SEK</li>
</ul>
<ul></ul>
<div>
For a total of 951.34 SEK. Compared to <a href="https://etdivisisunt.blogspot.com/2017/09/dividend-august-2017.html">last</a> year the increase was around 260 %.</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-36265169547556144602018-09-03T19:42:00.002+02:002018-09-03T19:42:22.520+02:00Monthly goal SeptemberI started the month by cleaning every day, probably more than 10 minutes. My apartment was spotless, but then I lost my motivation. It is not as fun to clean when there is no dirt. So now I have a dirty apartment again.<br />
<br />
For September I am going to try to workout aix times each week. During August I've done that so it should be possible.<br />
<br />
Goal September: Workout six times each week.<br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/08/monthly-goal-august.html">August</a>: Clean my home 10 minutes each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/07/monthly-goal-july-2018.html">July</a>: Eat less sugar. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/06/monthly-goal-june-2018.html">June</a>: Spend time/talk to a friend each day outside of work. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">May</a>: Get up at six every morning. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-60082263612587406562018-08-07T10:43:00.002+02:002018-08-07T10:43:12.173+02:00New purchases August 2018 I I've made some new purchases. I've bought some <a href="https://en.wikipedia.org/wiki/3M">3M</a> the innovative conglomerate. I've been thinking about buying it for a long time but have not gotten to it until now.<br />
<ul>
<li>3 MMM for $ 205.86 per share for a yield of 2.64 %.</li>
<li>4 JNJ for $ 131.3 per share for a yield of 2.74 %.</li>
</ul>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-45716929742275787492018-08-05T09:37:00.002+02:002018-08-05T09:37:14.565+02:00Income/expense July 2018So my <a href="https://etdivisisunt.blogspot.com/2018/07/incomeexpense-june-2018.html">prediction</a> from last month about my spending was correct. Since I've started keeping track of exactly how much I spend every month this is the most. So much that I actually spent more money than I earned. However my vacation was awesome and I regret nothing. One lesson that I can learn from this is to plan my vacation in more detail. One reason that I spend this much money is that I hadn't bough a return ticket and ended up paying a bit to much to get home.<br />
<br />
Expenses: 34 180 SEK<br />
Income: 32 300 SEK<br />
Savings rate: -5.82 %<br />
Dividend/Expense rate: 3.56 %<br />
<br />
<span style="font-family: "times new roman";">A summary of my savings rate can be found via this </span><a href="http://etdivisisunt.blogspot.se/p/savings-rate.html" style="font-family: "times new roman";">page</a><span style="font-family: "times new roman";">.</span>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-34335139535398326662018-08-02T08:16:00.002+02:002018-08-02T08:16:52.720+02:00Monthly goal AugustI haven't really missed sugar that much. It has been so warm where I've been during this month so I've basically haven't really felt like eating anything. I've eaten more fruit though and it has been really good. Peaches and plums are really amazing. I've also spend time with friends and family every day this month, but that's because I've been traveling around visiting them.<br />
<br />
My goal for August is to clean my home ten minutes each day. I've been reading some easy tips on how to improve ones life and this was one of the top tips so I decided to try it. Hopefully I will also live in a cleaner home.<br />
<br />
Goal August: Clean my home 10 minutes each day.<br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/07/monthly-goal-july-2018.html">July</a>: Eat less sugar. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/06/monthly-goal-june-2018.html">June</a>: Spend time/talk to a friend each day outside of work. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">May</a>: Get up at six every morning. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-42654057590036482292018-08-01T11:08:00.001+02:002018-08-01T11:08:14.204+02:00Dividend July 2018<div>
I've been having an offline month, mostly without internet access during my vacation. It has been really nice, but that has impacted my investing and blogging a bit. Anyhow these are the dividends I received in July.</div>
<ul>
<li>SDIV 35.93 SEK</li>
<li>SRET 33.2 SEK</li>
<li>SPFF 59.8 SEK </li>
<li>SDEM 17.91 SEK</li>
<li>KO 34.79 SEK</li>
<li>PEP 66.71 SEK</li>
<li>GE 47.26 SEK</li>
<li>TROW 50.34 SEK</li>
<li>KMB 87.91 SEK</li>
<li>MO 49.16 SEK</li>
<li>PM 130.49 SEK</li>
<li>O 66.27 SEK</li>
<li>BCE 152.02 SEK</li>
<li>GEI 133.62 SEK</li>
<li>ALA 61.24 SEK</li>
<li>EIF 39.33 SEK</li>
<li>AD 67.95 SEK</li>
<li>BNS 82.79 SEK</li>
</ul>
<ul>
</ul>
<div>
For a total of 1216.72 SEK. Compared to <a href="https://etdivisisunt.blogspot.com/2017/09/dividend-july-2017.html">last</a> year the increase was around 230 %. I was actually expecting to get less money than I got in June, so I guess I have some error in my spreadsheets. But more money is always good news.</div>
<iframe frameborder="0" height="371" scrolling="no" seamless="" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vQoafepuXg1VubG-K3eCiWBHBw85QUM5UuwlVrQeYuBkHd-GsLkUB6s6JBClglWxe4_KLfuXZBtIWVh/pubchart?oid=814185292&format=interactive" width="600"></iframe>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-67539797434162468262018-07-14T11:32:00.001+02:002018-07-14T11:32:26.645+02:00New purchases July 2018 IITo celebrate my vaccation I've bought some more stocks. Viva la France! Red wine and cheese. Compared to a normal month it feels like I'm bleeding money.<br />
<ul>
<li>20 T for $ 32.31 for a yield of 6.19 %.</li>
<li>5 SO for $ 47.23 for a yield of 5.01 %.</li>
<li>5 O for $ 55.26 for a yield of 4.77 %.</li>
</ul>
<div>
<span style="font-family: "times new roman";"><br /></span></div>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a>. It is still broken, but pretty accurate.</div>
<div>
<br /></div>
<div>
My <a href="ttps://etdivisisunt.blogspot.com/2018/07/monthly-goal-july-2018.html">goal</a> of eating less sugar has gone as planned. It might be that I've just substituted it with nice meals and wine, but vaccation is vaccation.</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-21201201080877729622018-07-09T17:55:00.000+02:002018-07-09T17:55:38.565+02:00New purchase July 2018<div>
I've made some new purchases. This is my first day of vacation so I will be a bit more brief.</div>
<div>
<ul>
<li>9 Telenor for 171.05 NOK for a yield of 4.56 %.</li>
<li>10 <a href="https://en.m.wikipedia.org/wiki/Equinor">Equinor</a> for 215 NOK for a yield of 3.48 %.</li>
</ul>
<div>
Then the spin off of Veoneer from Autoliv has been completed. I received 5 shares each worth 357 SEK. During the first dags of trading it has gone up around 15 %.<br />
<br />
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">. Note: Im unable to get stock prices from Swedish, Finish and Norwegian stocks so the speadsheet is a bit broken.</span></div>
</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-46369907632684333512018-07-08T11:51:00.000+02:002018-07-08T11:51:41.192+02:00Monthly goal July 2018My goal of spending more time with friends have been fun. Basically the changes I've made is calling some old friends that I haven't talked to in a while and also taking two trips visiting friends. In June I'm having a vacation and then this will automatically also be done because I'm planning on staying a week at my parents place and then travel with friends. I've also continued with getting up at six on weekday mornings. I haven't really been as productive as in May, but I've managed to still be the first one in the office.<br />
<br />
For July I'm going to reduce my refined sugar intake. Basically I'm putting a ban on spending for items with added sugar. So no soda, candy and cookies. I used to live like this when I was a student and didn't really miss sugar then. For me it is really easy to get in to the habit of eating candy and it doesn't feel good. In a way I think it might some sort of self-medication for feeling lonely, but is not a long term solution for anything.<br />
<br />
Goal July: Eat less sugar.<br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/06/monthly-goal-june-2018.html">June</a>: Spend time/talk to a friend each day outside of work. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">May</a>: Get up at six every morning. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-12614924355937326982018-07-04T10:25:00.000+02:002018-07-04T10:25:02.109+02:00Income/expense June 2018I'm about to go on vacation and that has made my spending this month a bit higher than normal, but I've managed to go on two weekend trips and also book a flight back home to my dear parents. I also suspect that my spending in July is going to be significantly higher than normal.<br />
<br />
Expenses: 14 600 SEK<br />
Income: 35 800 SEK<br />
Savings rate: 59.22 %<br />
Dividend/Expense rate: 8.04 %<br />
<br />
Compared to last <a href="https://etdivisisunt.blogspot.com/2017/09/incomeexpense-june-2017.html">June</a> I've doubled my dividend/expense rate even though I spend almost 70 % more. This is the first month of 2018 where I have a savings rate below 60 %.<br />
<br />
<div style="font-family: "times new roman"; margin: 0px;">
A summary of my savings rate can be found via this <a href="http://etdivisisunt.blogspot.se/p/savings-rate.html">page</a>.</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-18063096362186102122018-07-01T10:24:00.000+02:002018-08-01T10:45:02.825+02:00Dividend June 2018<div>
These are the dividends I received in June. </div>
<ul>
<li>SDIV 34.47 SEK</li>
<li>SRET 33 SEK</li>
<li>SPFF 58.78 SEK </li>
<li>SDEM <strike>1</strike>17.38 SEK</li>
<li>ED 37.92 SEK</li>
<li>ADM 29.26 SEK</li>
<li>EMR 41.89 SEK</li>
<li>JNJ 38.86 SEK</li>
<li>TGT 107.09 SEK</li>
<li>MCD 45.06 SEK</li>
<li>SO 52.03 SEK</li>
<li>O 65.96 SEK </li>
<li>PFE 29.83 SEK</li>
<li>INTC 39.47 SEK</li>
<li>WFC 20.53 SEK</li>
<li>KHC 93.91 SEK</li>
<li>AFL 27.37 SEK</li>
<li>VFC 36.94 SEK</li>
<li>UN01 150.81 SEK</li>
<li>BAYN 54 SEK</li>
<li>ALIV-SDB 27.28 SEK</li>
<li>ALA 61.19 SEK</li>
<li>EIF 30.59 SEK</li>
<li>AD 40.74 SEK</li>
</ul>
<div>
24 different companies paid me dividends for a total of 1174.36 SEK. Compared to <a href="https://etdivisisunt.blogspot.com/2017/07/dividend-june-2017.html">last</a> year the increase was around 280 %. When I look at the year of year increases they are great, but I'm contributing a lot of cash every month. Over time I hope that reinvested dividends will make up a ever larger portion of my monthly contributions.<br />
<br />
Autoliv has also completed (technically on trading starts on the second of June) its spin-off of its electronic part into <a href="http://www.veoneer.com/">Veoneer</a>. I'm a strong believer of automated vehicles and Veoneer is a big player on that market. Concerning dividends I'm not really sure how I will be affected. Veoneer has not announced that they will pay any dividend, but I haven't found any information regarding Autolivs future dividends. </div>
<iframe frameborder="0" height="371" scrolling="no" seamless="" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vQoafepuXg1VubG-K3eCiWBHBw85QUM5UuwlVrQeYuBkHd-GsLkUB6s6JBClglWxe4_KLfuXZBtIWVh/pubchart?oid=1502707898&format=interactive" width="600"></iframe>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-54436701329083753792018-06-29T18:47:00.001+02:002018-06-30T10:20:13.973+02:00New purchase June 2018 IIII've made some new purchase and I'm a bit ashamed to say that I made a mistake and sold 10 shares of T for $ 31.7. I like that I can purchase stocks on my phone, but it is a bit too easy to make mistakes. Anyhow, one new company <a href="https://en.wikipedia.org/wiki/Hormel">Hormel</a>.<br />
<ul>
<li>15 HRL for $ 36.53 for a yield of 2.06 %.</li>
<li>10 KO for $ 43.53 for a yield of 3.58 %.</li>
<li>4 MO for $ 56.97 for a yield of 4.91 %.</li>
<li>15 GE for $ 12.79 for a yield of 3.75 %.</li>
</ul>
<div>
My <a href="https://etdivisisunt.blogspot.com/2018/06/monthly-goal-june-2018.html">goal</a> of spending time with friends every day has gone great. I'v met some new friends and also found some colleagues that share a lot of the same interest as me. So we've been on a hike and also practiced some swimming in the ocean.<br />
<br />
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span></div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-3237782772181205182018-06-18T21:12:00.002+02:002018-06-18T21:12:45.076+02:00New purchase June 2018 III've some more stocks. Mostly companies that make consumer products in the US and a mix between finance and automotive in Germany.<br />
<ul>
<li>3 KMB for $ 100.56 for a yield of 3.98 %.</li>
<li>4 PG for $ 75.72 for a yield of 3.79 %.</li>
<li>5 DAI for 62.78 € for a yield of 5.91 %.</li>
<li>28 DBK for 9.3955 € for a yield of 1.16 %.</li>
</ul>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span></div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-9914986226589301812018-06-12T21:34:00.001+02:002018-06-12T21:34:14.128+02:00New purchase June 2018 I I've bought some more Canadian stocks.<br />
<ul>
<li>5 BNS for 75.71 CAD for a yield of 4.33 %.</li>
<li>7 EIF for 33.80 CAD for a yield of 6.48 %.</li>
<li>15 GEI for 17.52 CAD for a yield of 7.53 %.</li>
</ul>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">. Note: I found an error in my projected dividends. I had more or less completely missed to summaries the dividends from January. That was a nice $ 100 increase.</span><br />
<span style="font-family: "times new roman";"><br /></span>
<span style="font-family: "times new roman";">Apart from my goal to met 8 out of 12 of my monthly goal I also have a financial <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">goal</a> which is to have 24 000 SEK in projected dividend. I'm at 18 800 now and with 6 month more of investing I should reach it. </span></div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-801143988487765562018-06-07T22:27:00.001+02:002018-07-01T10:54:28.330+02:00Monthly goal June 2018I've actually been enjoying getting up earlier. It has freed up time to read, study, keep my apartment nicer and going to work earlier. It has been great weather where I'm living so that might have played some part in this. It is probably going to be harder in the winter when it rains side ways and the temperature drops below zero. The extra time has freed up time so I've read some books, but I didn't manage to read as many as four.<br />
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For June my goal is to spend some time with a friend every day. I'm going to count talking to them on the phone as spending time as well. In a way I've been feeling a bit lonely ever since my ex-girlfriend broke up with me about a year ago. During that time a lot of my friends have been getting their first children so it has not been possible to see them as much I used to. Unfortunately I didn't decide on a goal before the month started so that's why I chose this. I'm going to try to decide on what to do before the month starts.<br />
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Goal June: Spend time/talk to a friend each day outside of work.<br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">May</a>: Get up at six every morning. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-80213901441732207952018-06-06T10:32:00.001+02:002018-06-06T10:32:37.081+02:00Income/expense May 2018As in <a href="https://etdivisisunt.blogspot.com/2018/05/dividend-april-2018.html">April</a> I got sizable dividend in <a href="https://etdivisisunt.blogspot.com/2018/06/dividend-may-2018.html">May</a> as well.<br />
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Expenses: 11 100 SEK<br />
Income: 32 300 SEK<br />
Savings rate: 65,53 %<br />
Dividend/Expense rate: 19,83 %<br />
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I've been making some projections based on my lowest, median, average and maximum expenses with a couple of different <a href="https://en.wikipedia.org/wiki/Trinity_study">safe withdrawal rate</a> (3.5 % to 4.5 %) and I've come up with a range of savings I need in order to be able to not work any more. The range is 2 300 000 SEK to 11 000 000 SEK. The numbers come from lowest expenses and highest withdrawal rate and the highest expenses and lowest withdrawal rate. The range for median and average is probably more realistic 3 100 000 SEK to 5 100 000 SEK.<br />
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I haven't really written about my net worth here before, basically because I've no good way of presenting it. I'm working on it. At the moment I've got about 1 700 000 SEK invested about half of which in retirement accounts that I cannot access before I turn 55 (about twenty years). By just assuming that the value of my portfolio will be constant it will take about five years of contribution to reach that point.<br />
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A summary of my savings rate can be found via this <a href="http://etdivisisunt.blogspot.se/p/savings-rate.html">page</a>.</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-65999317203971006842018-06-04T20:15:00.002+02:002018-06-04T20:15:10.518+02:00Dividend May 2018<div>
This is one of my favorite things to do at the beginning of the month. It is interesting to see how much dividend I've accumulated during the month. Compared to last <a href="https://etdivisisunt.blogspot.com/2017/06/dividends-may-2017.htm">year</a> I received almost 230 % more. The dividends I received follows:</div>
<ul>
<li>SDIV 33 SEK</li>
<li>SRET 32.58 SEK</li>
<li>SPFF 60.16 SEK </li>
<li>SDEM 17.35 SEK</li>
<li>T 154.46 SEK</li>
<li>ABBV 66.75 SEK</li>
<li>PG 124.68 SEK</li>
<li>O 64.87 SEK</li>
<li>GIS 56.22 SEK</li>
<li>ETR:BAS 129.38 SEK</li>
<li>ETR:MUV2 271.2 SEK</li>
<li>HEL:SAMPO 331.1 SEK</li>
<li>OSE:ATEA 71.09 SEK</li>
<li>OSE:TEL 55.82 SEK</li>
<li>STO:INVE-A 80 SEK</li>
<li>STO:HM-B 269.5 SEK</li>
<li>STO:INTRUM 190 SEK</li>
<li>TSE:ALA 67.74 SEK</li>
<li>TSE:TD 58.81 SEK</li>
<li>TSE:EIF 30.87 SEK</li>
<li>TSE:AD 41.1 SEK</li>
</ul>
<ul>
</ul>
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For a total of 2200.68 SEK, so not as good as in April but I'm still happy. </div>
<iframe frameborder="0" height="371" scrolling="no" seamless="" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vQoafepuXg1VubG-K3eCiWBHBw85QUM5UuwlVrQeYuBkHd-GsLkUB6s6JBClglWxe4_KLfuXZBtIWVh/pubchart?oid=2006744772&format=interactive" width="600"></iframe>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-10366358584101313762018-05-27T16:53:00.002+02:002018-05-27T16:53:31.361+02:00New purchase May 2018 IVI've bought two new insurance companies. The giant Allianz and the much smaller, but still big in Norway, Gjensidige. In addition I also invested in the telephone company Telia.<br />
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<ul>
<li>60 <a href="https://en.wikipedia.org/wiki/Telia_Company">STO:TELIA</a> for 41.93 SEK for a yield of 5,48 %.</li>
<li>3 <a href="https://en.wikipedia.org/wiki/Allianz">ETR:ALV</a> for € 188.59 for a yield of 4.24 %.</li>
<li>37 <a href="https://en.wikipedia.org/wiki/Gjensidige">OSE:GJF</a> for 127.12 NOK for a yield of 5.56 %.</li>
</ul>
</div>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span></div>
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Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-13418817649262247522018-05-24T19:33:00.001+02:002018-05-24T19:33:29.567+02:00New purchase May 2018 IIII've made some new purchase. I basically just increased my position in the stocks that I'm least invested in.<br />
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<ul>
<li>8 PFE for $ 35.92 for a yield of 3.78 %.</li>
<li>5 WFC for $ 55.82 for a yield of 2.79 %. </li>
</ul>
</div>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span><br />
<span style="font-family: "times new roman";"><br /></span>
<span style="font-family: "times new roman";">My goal of getting up early in the morning has worked fine. I might be a bit more tired, but I get a lot of things done. </span><br />
<span style="font-family: "times new roman";"><br /></span></div>
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Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-85782678703105374082018-05-12T11:02:00.001+02:002018-05-12T11:02:45.845+02:00New purchase May 2018 III've reinvested in some Swedish companies.<br />
<ul>
<li>15 HB-B for 145.24 SEK for a yield of 6.71 %.</li>
<li>5 INVE-B for 382.6 SEK for a yield of 3.14 %. </li>
</ul>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span><br />
<span style="font-family: "times new roman";"><br /></span>
<span style="font-family: "times new roman";">Apart from that life is pretty sweet right now. The weather is nice, I have a good work-life balance and is learning new things. A lot better than about a year <a href="https://etdivisisunt.blogspot.com/2017/06/incomeexpense-may2017.html">ago</a> when I got my heart broken. I guess I haven't fully recovered from that yet, but it is getting better and better. </span></div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-85902144070886047542018-05-05T12:15:00.001+02:002018-05-05T12:15:13.556+02:00New purchase May 2018 INew month and some new purchases. No new companies though.<br />
<ul>
<li>10 T for $ 32.4 for a yield of 6.17 %.</li>
<li>10 SECU-B for 142 SEK for a yield of 2.82 %. </li>
</ul>
<div>
<span style="font-family: "times new roman";">I've updated my portfolio and as always it can be found </span><a href="http://etdivisisunt.blogspot.se/p/portfolio.html" style="font-family: 'times new roman';">here</a><span style="font-family: "times new roman";">.</span><br />
<span style="font-family: "times new roman";"><br /></span>
<span style="font-family: "times new roman";">I actually had a hard time coming up with a <a href="https://etdivisisunt.blogspot.com/2018/05/monthly-goal-may-2018.html">goal</a> for this month, so I just took something that I had already done the first days. It hasn't really been a burden for me and it has been nice to have some extra time in the morning before going to work. I've spent the time reading :) and I also entered in to an online course. It is not really related to what I work with but I like learning new things. </span></div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-72440293849447462312018-05-02T19:48:00.000+02:002018-05-02T19:48:05.016+02:00Monthly goal May 2018For May I'm going to increase the amount of time I have for doing things for me before going to work by getting up earlier. I usually have a hard time of getting up, but now I'm going to try to change that part of my life. This will be limited to work days.<br />
<br />
I managed to read four books in April. It was fun and I've already gone to the library and borrowed more books for this month. I actually continued walking around 10 000 steps for a big part of the month, but then I good sick for a week and haven't really recovered yet.<br />
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Goal May: Get up at six every morning.<br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/04/monthly-goal-april-2018.html">April</a>: Read at least four books during the month. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-march-2018.html">March</a>: Walk at least 10 000 steps each day. <b>Failed!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/02/monthly-goal-february.html">February</a>: Practice at least ten minutes of yoga each day. <b>Done!</b><br />
Goal <a href="https://etdivisisunt.blogspot.com/2018/01/goal-2018.html">January</a>: Only eat vegetarian food. <b>Done!</b>Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0tag:blogger.com,1999:blog-6463551692758449390.post-74911666231822258782018-05-02T19:35:00.004+02:002018-05-02T19:35:57.665+02:00Income/expense April 2018With the great dividend for <a href="https://etdivisisunt.blogspot.com/2018/05/dividend-april-2018.html">April</a> I got a record high dividend/expense rate. I was not really expecting it to be so high, but now it actually feels like there is a possibility that I will receive enough money in dividends to be able to retire in the not so distant future.<br />
<br />
Expenses: 11 040 SEK<br />
Income: 36 060 SEK<br />
Savings rate: 69.38 %<br />
Dividend/Expense rate: 23.26 %<br />
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<div style="font-family: "times new roman"; margin: 0px;">
A summary of my savings rate can be found via this <a href="http://etdivisisunt.blogspot.se/p/savings-rate.html">page</a>.</div>
Divisi Sunthttp://www.blogger.com/profile/12406484254149004375noreply@blogger.com0