Quick Facts
- International Certificate in Investment and Wealth Management (Level 3) from CISI (2025)
- Investment Banking background
- Popular Investor on eToro since Q1 2020 – see my profile and follow my All Seasons Portfolio here
- M.Sc. in Commercial and Business Law & studies in statistics and national economy
- Practitioner of All-Weather & Risk Parity Investing since 2019
By way of introduction, my name is Nicholas, and I am located in Stockholm, Sweden. I am very pleased that you have discovered this website about All Seasons Portfolio style investing – a great opportunity for any prudent long-term investor.
Let me take a few moments here to tell you why I got around to blogging about investing and why I so strongly believe that what I do here is important and matters.
My short-form CV could be summarized as that I have a master’s degree in Business Law, and have since 2017 working in investment banking, where my experience is from corporate lending, mostly toward real estate companies. Capital markets experience is indeed valuable in investing and wealth management, as credit analysis and macroeconomics are important in both areas.
Since 2025, I hold an International Certificate in Investment & Wealth Management (Level 3) from the Chartered Institute for Securities and Investment. This covers a major areas in wealth management including asset class understanding, macroeconomics, retirement planning, etc.
I am also a Popular Investor on eToro – the leading Social Trading platform with 40M+ users worldwide – where I welcome retail investors to allocate at least a portion of their wealth to a stable All Seasons Portfolio strategy. You can find my profile and copy my portfolio hassle-free and free of charge.
In addition to my work, I always try to improve myself by learning. Over the years, I have been studying to improve my asset allocation skillsets, both in a structured university environment through part-time courses (statistics, economic history, and national economics), and through the vast flora of great content available on the web about risk parity from the likes of AQR, Resolve Asset Management, Bridgewater, etc., in addition to articles available at SSRN. There are plenty of good sources of information of this topics out there.
Starting to invest
My investment journey starts in my teens, when I ventured into single stocks with, let us say, varying results. This was in addition to a portfolio of mutual funds. Trial and error is my preferred learning experience. The first stock I owned was two shares in Swedish clothing company H&M. I remember I bought them in December just a few weeks before Christmas. I only owned them for a day or so before I sold them at a small profit (which, however, was erased by trading fees, but at least I got started…).
I equipped myself with business law degree, which is useful in many ways, but with two clear benefits when it comes to portfolio management: firstly, you are trained in acquiring and processing information. This helps when you want to build complex portfolio, but also to distill the information to be presented in a way that is easy to access. Secondly, it gives you an excellent sense of identifying and managing risks. It is the latter that has been most useful for me when I set about to digest all there is to know about risk parity investing and the All Seasons Portfolio. Through my endeavours, I have found that helping retail investors making better investment decisions and constructing sturdier portfolio, is what makes me tick.
What made me start the All Seasons Portfolio blog?
That is why I started this All Seasons Portfolio blog. It can help people in so many ways financially, and you don’t even need to be that financially literate. As long as you have a decent broker where you can find the basic ETFs, you can get started. Or even simpler: you can copy such a portfolio through social trading platforms, such as the one I trade on eToro.
I have met so many people without even the slightest financial safety net, and even more with high risk portfolios allocated to just stocks. I am sure you know someone too who does not know how the financial markets work and how it can help them build wealth. It doesn’t need to be great ‘wealth’, but rather a safety net if one looses the one’s job or to have a decent life when retiring. There are countless people – also people that I know personally – who are lacking a decent pension due to financial choices in the past and do not know what to do with the money they got.
With a transition over the last decades of pension schemes going from defined benefit (when a retiree is promised a certain sum at retirement, often linked to a salary) to defined contribution (when a worker is promised a certain amount that is set aside each month instead of the size of the pension), the risk of pensions has been shifted from governments/employers to the worker/individuals. Hence, if there is a shortfall in your pension against what you had expected, it is to your detriment – not the government or your past employers. That is why it has become more important than ever in modern history to save on your own for retirement, and you better start early and you better diversify so that you don’t have to start over later in life.
When you are not so knowledgeable of the mechanics of the financial markets, you are at the same time extremely afraid that your money will be lost. It is improbable that you will loose all your money when buying mutual funds or ETFs, but you may from time to time see the value decrease. That fear, is even triggered when the portfolio value drops even a few percentage points. But, such bumps, are to great extent lowered with the All Seasons Portfolio Strategy.
The beauty with the All Seasons Portfolio is also that its growth is stable and does not crash in the same way as portfolios that are 100% allocated in stocks. Neither is it as volatile as gold nor as slow-growing as bonds. But when you combine these asset classes, their movements counter each other, and actually gives you stable growth from year to year.
But how do you teach someone inexperience about portfolio strategies and investing if you are the one who is passionate about it? The conclusion I reached was: you show them. That is why, I sacrifice my very personal details about my financial life, in order for you to learn. What I offer you, is a very basic gift when I talk about my life, my portfolio and my investing.
I also started this website as I have identified that there is very little risk parity or all-weather style content aimed at the European market. While 99% of the information on this website is useful for investors worldwide, I have a slight inclination to share a European perspective on investing. Europeans have a proportionally lower share of their wealth allocated to capital markets than Americans relative to overall wealth, and this is something that needs to be rectified – both for each individual’s personal wealth and for European companies seeking capital.
On these pages I give you me and my experiences, and I always welcome your comments and questions. Dialogue is without doubt the best tool for learning.
And all I want in return, is for you to do your best to grow.
Cheers!
Nicholas