Showing posts with label stocks. Show all posts
Showing posts with label stocks. Show all posts

Monday, August 7, 2017

Personal Finance - Monthly Summary and New Site

Hi All,

Last week I decided that I will focus more on the lay-out of the site, but soon I hit the wall. The blogger does not fully suit for my future plans. So, I decided to create a new site which would suit better for my future plans and would also create added value for my readers.

The setting up the page was quite easy and this was second time for me to create a real web page. I must say it was quite a lot easier than 20 years ago. Off course there is always something which does not go by the book, but this always a learning experience. The learn new things you should always do something which is not familiar to you and you should think outside the box.

From the new page you can also find the latest summary result under the section called "portfolio". It was much easier to do and update to the new site. But as a results wise the month was almost +/- zero. The value of the stocks rose but the due to EUR vs USD rates, the results were poor.

So, please check and subscribe my new site. It can be found on:

http://www.freedomsearcher.com/

I have a great summer, at least here in Finland the weather has been really bad this summer.

Regards,

CVM

Tuesday, July 4, 2017

Stock Investing For Dummies - Tips from Warren and how I use those




Hi All,


I have always been a big fan of Warren Buffett. Mainly because he can put investing strategies in simple and understandable form and his personal investing strategy is quite similar what I am looking after. Today I want to share some his tips and how I use those in my daily life.
  
1. Index Funds

This is to best way to investing for somebody who does not follow stocks daily or just want to invest with a low risk. I thinking also add some small cap indexes to my portfolio, but for now I haven’t. because there are some disadvantages what comes to tax planning (at least in Finland).

2. Compounding

One of my favorite quote from Warren is: “Someone's sitting in the shade today because someone planted a tree a long time ago".  Everybody should understand that there is no “quick money” what comes to stocks. The investing strategy should be close to hibernation. 
 
      3. Hold the stock
 
Only buy stocks which you can own for lifetime. The company needs to be dealing in business sector which is still alive in 30 years. Also, I have one personal rule here, only buy business which have several products. There is a change that the company is one hit wonder…

      4. Invest in yourself

      This was something I didn’t do let’s say five years ago, I just was happy in a situation what I was having. But for some reason I interested in investing and start to invest to myself as well. But this time I didn’t bought more gadgets but I bought books, started to watch educational videos and really started to think differently.  

       5. Trust yourselves

      In the early phase, I checked the value of stocks hourly and my heart beat increased when I saw red figures. But nowadays I know that 48% of time I see red figures and this is part of the game. Just stay cool and trust yourself! 

Hopefully these comments and ideas helps you understand a little bit better the game of investing and how the comments from Warren have helped me to get confidence when dealing with stocks. Also, it would be good if you find somebody who share the same ideology, because when you talk about these topics with somebody you will learn a lot of faster. 


Regards,


CVM

Tuesday, April 4, 2017

Personal Finance - Monthly Summary; March 2017



March 2017- A bad month


Hi all, it is time for monthly reporting. This was the first full month with the blog and let say, not a good month. Some overrated stocks dropped to correct levels and I made a bad investment what comes to Fingerprint.



Portfolio in € end of FEB 2017


Portfolio Total Sum in February was 13 909,15 €.



Portfolio in € the end of March 2017


Company
Shares
Price (€)
Total sum
KONECRANES PLC
183
33,30 €
6093,90 €
Nordea Bank AB 
43
10,72 €
460,96 €
Intrum Justitia AB
36
35,09 €
1 263,30 €
Ocean Yield
136
6,65 €
904,86 €
Austevoll Seafood
95
6,87 €
652,79 €
Norwegian Finans Hol
93
7,42 €
689,77 €
Betsson AB ser. B
110
8,18 €
900,11 €
Verkkokauppa
136
7,28 €
990,08 €
Hoivatilat
125
7,35 €
918,75 €
Albemarle
14
98,81 €
1 383,37 €






Total Sum
14 257,88 €



The portfolio grew in €’s was around +2,5%, but I acquired 22 Konecranes stocks and lost around 200€ with fingerprint, so total gain was around -4,2%. So, a bad month overall.  But, this is investing and sometimes the stocks goes up and sometimes those go down.



TOPS:

  • Albemarle; solid month. Betting high on lithium.
  • Intrum Justitia; nice, steady growth.
  • Dividends from Nordea, Verkkokauppa and Hoivatilat



FLOPS:

  • Case Fingerprint, no more to say, please check my post from few weeks ago.
  • Some price pressure of salmon. It has had negative impact to all salmon stocks. Maybe good time to add few shares of Austevoll.
  • Norwegian Finans; regulation rules from the Norwegian government, but in the end, these should be good news for NOFI, waiting stock to get back on it’s track. Hopefully after Q1 result.



LOOKING FORWARD:


I will decrease the number of Konecranes stocks at some point. I have read a few books about investing during this month and I think I need to modify my portfolio strategy, and this will not happen fast. I would guess that next picks will be some non-cyclical companies. 


Regards,

CVM

Wednesday, March 15, 2017

Stock Investing For Dummies - My TOP5 investing rules




Hi,

This time I will talk about a little bit about my investing rules. I try to avoid investing mistakes by any means and this is the main reason why I have created these rules to myself. Also, these rules will keep me and my investing strategy discipline and perseverance. If the investor does not have any investing rules, it is quite clear he or she will not reach the full potential of the portfolio.

My first and probably the most important rule is to pay to myself first and then use the rest of the money to other costs (food, car and etc.). This rule comes from the book called “The richest man in Babylon”. The basic idea is to invest first 10% of your net income to stocks, etf’s, funds and etc and use 90% income to other stuff. People has a bad habit to use everything what they have in their bank account and by doing this (pay first to yourself and then to others) you will automatically adjust your spending into right level and your keep your savings.

My second rule is: Don’t fear the loosing of the money:

The longest time-period has been around 20 years the stock full cover from the recession. This happened a long time ago and cover periods of the last four recessions has been much shorter (around 5 years). Even if the recession would start tomorrow I know that "soon" my stock values will be at same level than today. Also, this recession would be a great time to buy stocks due to low valuation levels.

Third rule: Please remember to use diversification when creating your portfolio.

The max for one stock sector (example finance) is 20% and 5% of one stock. Okey, this “5%” rule applies when your portfolio grows to 6 digits, but when you are dealing with 5 digits or even smaller portfolio, try to remember this 20% rule what comes to sector picking.

Fourth rule: Create a rule(s) for valuations.

Investor should create the rules what he or she will use when picking the stock. For example; stock value should be under 16 p/e or dividend yield should be over 2% and etc. I will share my stock picking rules in coming posts.


The last one: Trust yourself!

When you made the study about your stock and you chose the one to invest, trust yourself and please keep the stock in your portfolio more than one year. After one year, investigate what has happened. You will learn a lot of yourself as an investor and about your investing strategy. Please remember, as daily basis, only 1% of stock owners will decide the stock price. Like Warren Buffett has said; “The stock market is a device for transferring money from the impatient to the patient.”


Please use the comment section below and tell me what are your rules what comes to investing. And off course, you are always welcome to copy my rules.

Regards,

CVM