All investments carry risk. Historic performance does not guarantee future gains. No content on this website constitutes financial advice, but are only my personal reflections and descriptions of my experiences.

Portfolio Update – May 2019

Happy summer, and I am glad to have you back here to the All Seasons Portfolio blog for another monthly update. This time, we will take a closer look at the development for May 2019.

I have decide to keep these monthly updates free from other topics as I have had in the past. For example, I have been presenting certain investment choices or tips, but I believe it may be more stringent to have such texts separated in their own blog posts. Do you agree?

The month of May was in general a rocky month for the equity markets. For example, the MSCI World Index fell from 2170 points to 2046 points - a fall of nearly 6% over the course of just month, which could be considered quite a big correction. Still, the index is in positive territory year-to-date.

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Portfolio Update – April 2019 – Investing in America

Hello, fellow financial independence seeker!

It is now my self imposed duty to go through my portfolio development for the month of April 2019. I am one ETF closer to have at least some exposure to each asset class that I intend shall be part of my portfolio - only Mid Term Government bonds missing yet. I will present my monthly update here below shortly, but I will also take a moment to elaborate of my choice of geographical exposure of my portfolio.

As you may notice in the list of ETFs further below, I have a great exposure towards American stocks and bonds. This is not because I have adopted the tips and hints you can find on the internet or in books, as most are written by American authors with a home bias, but there are reasons why I, an European investor, have chosen to fill my portfolio with American assets now early on.

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Portfolio Update – March 2019 – Invest your pay raise

Good day, saver. We have now surpassed March in what is my first year of utilising the strength of the All Seasons Portfolio. One whole quarter is behind me, and still feeling strong. Besides an update on my portfolio, I’ll discuss what you should do when you get a salary increase or a bonus from work, if you are looking to increase your investing. More to come further down.

Still quite sun burnt while writing this post. I was in Nice and southern France over the weekend in the end of March, and my Scandinavian pale skin didn’t cope with the Mediterranean sun. Naturally, I forgot to put on sun screen, because “hey, it’s only March – how bad can it be?” A lot apparently. Well, now back from 20 degrees to the usual -2 and snow (finally fed up with winter).

Invest your pay raise Anyway, the month of March has also been sunny for my portfolio. I have managed to put in more than the planned monthly amount of € 300, thanks to a bonus from work. This is a great contribution towards creating sustainable wealth, by investing salary increases and ‘unexpected’ income such as bonuses.

Let’s say you are struggling to find enough margin in your daily life to invest a good amount each month and at the same time make ends meet. This is not a too uncommon feeling. Anyway, you would have a certain salary and certain spending level each month (hopefully not more than you income though). You are used to a standard of living and feel like you cannot find anything non-essential that you can cut back on to invest that money instead.

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Portfolio Update – February 2019

Hello fellow wealth seekers.

The short month of February has come to an end, at it is now time for my second portfolio update of my All Seasons Portfolio. The fact that I am already on my second post, is a huge sign for myself that I am actually doing this project and that I am committing to keep sharing my investment experiences. Should be easier for each month as we will be setting the structure more and more.

Anyway, the cold month of February is behind as, thankfully, as my hometown Stockholm is a very cold place this time of year. Perhaps I should use my investments to retire to a warm country one day once I am financially free? Not that it will happen the next few years anyway, as I am just getting started here.

What have I done in February?

As you may already be familiar, the first step towards managing a All Seasons Portfolio is to buy the different asset types that the portfolio is built on.

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Portfolio Update – January 2019 – And how much to invest per month

2018 has come to an end, and I am very excited for 2019, now that I am beginning to implement my All Seasons Portfolio from scratch. During January, I have made my first investment, and can also share one lesson of this experience which teaches the value of diversification and investing in index funds. Let's also take a moment to think about how to invest if you can only spare small sums each month. But more on that further down in this article. Let's begin with my first investment.

When starting to implement a portfolio strategy containing several assets, it may appear a challenge to decide where to begin - i.e. which asset to buy first. When making additional purchases down the road when the portfolio is up and running is more straight forward, but how to make that first purchase?

So, I am looking to have portfolio split into the pie chart here below, containing intermediate-term and long-term government bonds, stocks, corporate bonds, gold and commodities. In the long run, it will not matter where to begin, as the most important part of investing is getting started.

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Getting started with the All Seasons Portfolio

So excited to get this project of mine started and to be honest, I have been looking forward for a while to write this first blog post, and I am slightly nervous about it too. It is Christmas time 2018 when I begin to write this and am embarking on this journey to start my own All Seasons Portfolio from scratch, and to help as many as possible with starting to save and to invest, I will share my journey to try to inspire, educate, and hopefully, get you started as well on switching your spending habits or non-interest bearing bank accounts to accumulating enough wealth to feel secure.

You may have been spending Christmas traveling to relatives or setting up for the holidays at your own home, I have spent this time with my family as well, but escaped a few hours to look into how to put the All Seasons Portfolio into practice, but I'll come to that slightly further below. The weekend 22-23 December has been amazing to take a break from the day job and finding new inspiration - the extra days off during Christmas are great for just such a purpose. Try it out next time yourself to find new ways of improving yourself.

I first came across the All Seasons Portfolio from Tony Robbins' book Money Master the Game (where, to be honest, most readers first encounter this investment strategy), where Ray Dalio elaborates how his jaw-droppingly successful asset management firm, Bridgewater Associates, manages their Pure Alpha fund.

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