All Seasons Portfolio - Risk Parity Investing for everyone

Hi there!

I hope you and your portfolio are doing well, despite the latest turbulence on the stock markets.

We have now seen July pass, and thus it is now time to summarize how my All Seasons Portfolio did on a month-to-month basis. This month, I have actually not added any funds to the portfolio, partly to compensate for my aggressive injections during the first half of the year and partly as I have had some one-off expenses in my private life to consider this month. I will get back on the investing track soon again.

So, all in all, there have been no dramatic movements that have caused so much change in the allocations since the June update. The splits are fairly equal, as the individual movements of each asset class have been rather small and aligned. For example, gold saw a huge jump in June, but has now stabilized in July at around USD 1,400/oz, although it has again increased some at the time of writing in August.

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.

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.