My index fund investing

I come from the lovely country of Sweden and as such grew up at a time when investing in funds became common mans' practice, partially due government incentives and a few innovative online brokers.

As I have written before, index investing should be the basis of your investments - it is simple, low maintenance, generates low costs etc.

Long story short, while I do have a (for me) large equity holding, I am also invested in a few low cost index funds. I could put it all into a global equity fund, but choose to tilt a bit more towards my native Sweden as well as Europe to reduce the often 50%+ dominance of one market (US) typically found in  global equity funds.

The funds in which I am invested (and intend to keep on being are):

- Avanza Zero (no fee!) - follows the 30 largest shares on the Stockholm exchange

- Handelsbanken Sverige OMXSB Index (0,22% fee) - follows a broader index than the fund above; all on the Stockholm stock exchange


- SPP Aktiefond Global (0,33% fee) - global index fund - Länsförsäkringar Global Indexnära (0,22% fee) - another global index fund


- SPP Aktiefond Europa (0,24% i avgift) - European index

So far this year, the return on this portfolio is negative, something I of course hope will change over time.

Savings quota in February

After a rather bad (negative!) savings quota in January, last months' quota became significantly better, beating my target of 30% (which is for the entire year, so need to "catch up" during the year).

With my 3% "safe" withdrawal rate I can now finance 46% of current lifestyle (based on last three months expenses) - not too bad.

Cost coverage and savings quota (click for larger picture).

If we were to push for lower spending (or use a higher withdrawal rate), we would be covering significantly higher percentage of our costs, but we are not into really pushing for early retirement at just any cost (haha!), at least not now.