dan.hog
Seuraajaa
Seurannassa
3 stars
Luokitus
Investing long term and mainly for retirement purposes.
Goal:
My saving goal is to have full freedom at an age of around 55 (in 10-15 years), so that I can choose if I want to continue working, work less, retire, become a student etc.
My portfolio allocation and investment strategy is set up, so that there is a high likelihood of achieving my goal. The aim is that lowest expected return will be sufficient for reaching the minimum amount needed for retirement. My current estimate is around MNOK 25 (have assumed that there is a need for a safety margin).
Portfolio:
I use 4 investment platforms. My Nordnet portfolio is therefore not representative for my total portfolio. My total investment portfolio consists of approximately 50% shares, 20% equity funds and 30% interest investments.
My long term plan is to gradually increase my allocation to equity investments. The increased allocation is achieved by (i) reinvesting my equity returns and (ii) reinvesting my returns on interest investments into equity funds. With interest rates going down, I am also gradually reducing my total investment into interest investments. The total reduction will depend on how the interest rates develop going forwards. It is, however, likely that the reduction will be around 10% of the current portfolio (reducing the current allocation from 30% to 20%). The reduction will be invested in both shares and equity funds.
Shares:
- I mainly invest in shares listed on the Oslo Stock Exchange (currently around 80% of the total portfolio).
- The portfolio predominantly consists large and established companies that also distribute dividends. My aim is to have sufficient investments to achieve some degree of diversification, but also few enough to have a focused portfolio. Investments are made, based on the goal of (a) creating a portfolio that has low company risk (large companies, stable income, good balance sheet, etc.) and (b) a very high likelihood of achieving a long term yearly return of at least 7% p.a., and high likelihood of around 9-11% p.a., and a yearly return that is fairly stable (e.g. compared to the OSEBX Index)
- Largest sector allocation is finance (currently around 50%). The portfolio mainly consists of banks. DNB, Storebrand, Nordea, Handelsbanken and Sparebanken Norge being the largest investment.
- Second largest sector is Energy (currently around 20%). Aker BP and Vår Energi being the largest positions.
- The largest position is DNB (currently around 16%)
- The largest investments not listed on the Oslo stock exchange is Alibaba (8%), Nordea (6%) and Handelsbanken (5%).
- I have some smaller high risk investments as “spice”
Equity funds:
- Mainly index funds. Allocation is currently focused on the assumption that China will outperform global index
- Active funds must have a strategy focused on a sector or investment filosofi that makes them deviate sufficiently from index
Interest investments:
- Mainly Nordic high yield funds denominated in NOK (high degree of floating interest, reduced hedging cost, high risk premium, etc.)
- A few % of portfolio in money market funds that can be deployed if needed or the correct opportunity arises
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