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 Posted: Thu, 28th Jan 2021 02:49 Post subject: |
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| Mister_s wrote: | | The best thing you can do for your old age is bringing expenses down. Buy and pay off your house for example. The time of guaranteed pensions is long past IMO. |
Tada!
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Frant
King's Bounty
Posts: 24656
Location: Your Mom
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Frant
King's Bounty
Posts: 24656
Location: Your Mom
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| Posted: Mon, 4th Oct 2021 10:52 Post subject: |
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A small drop on the market since end of August :/
But it's a small one so I'm not worried since it's normal.
January 1st the equity fund part of my future pension was 50744 €.
2020 was (amazingly since we were in the middle of a the pre-vaccine SARS2 pandemic) great with a 1 year growth of +54 %, the best year so far.
2019 it was +37%
2018 it was -2%
2017 it was +8%
2016 it was +20%
The value of my pension equity funds in 2010 was a mere 7505 €. The 10 year growth has been an amazing 6758% in total (percentage growth 2010-2020).
Growth since January 1st, 2021:
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2021-07-23 - +16,5% - 59133 €
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2021-08-02 - +18,1% - 59942 €
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2021-08-29 - +19,6% - 60675 €
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2021-10-04 - +14,7% - 58225 €
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I'll keep following the movements and do adjustments/change investments to "resting" fund investments that are stable with low risk and slow growth if it keeps dropping (but I doubt it). There can't be constant >50% growth of the market so all these fluctuations are as expected. Sure, I would've liked 2021 to be >50% as well but so far I've increased my future monthly pension payouts by 22.7% over the last 11 years which makes a big difference.
Using the current total value of my pension value I'm not going to be wealthy (ie. if it doesn't grow at all which is impossible since part of my taxes goes into my pension savings) but if I average the last 15 years of the equity fund growth and apply it over the number of years I have left until I reach pension age I should have a pretty good monthly pension payout.
There are people in their 30'ies that know market economics a lot better than I do that have grown their equity fund part to 100,000-200,000€ which is insane. They follow the fund values on a daily basis (including checking every holding in every fund) and put their investments into the highest risk funds, then switch back to other funds when they've made a serious profit. They're gamblers though and during their lifetime they'll see several recessions that will make many of them lose a lot of value.
I read that August-September are the worst times of the year for the market:
| Quote: | From 1980 to 2020, our data analysis shows that August is the best month to sell stocks. Specifically, the best time to sell would be toward the end of August as September is typically the worst month for stock market declines. September averaged a -0.52% loss over the last 40 years.
26 Aug 2021 |
| Quote: | The Best Month to Buy Stocks – 40 Years of Analysis
What is the Best Month to Buy Stocks?
Using stock market data from 2000 to 2020, the best month to buy stocks is April, as the S&P500 has increased an average of 2.4% in 15 of the last 20 years. October and November are also good months to buy stocks, increasing by 1.17% and 1.08%, respectively, increasing 75% of the time.
What is the Worst Month for Stocks?
Our data research shows that from 2000 to 2020, the worst month for stocks is September, with an average loss of -0.83%. So, if you are thinking of selling stock, it would be statically better to sell towards the end of August. |
I'll remember that from now on and switch to bear funds at the end of August and then switch back at the very end of September.
| Quote: | What Is a Bear Fund?
A bear fund is a mutual fund that investors use to provide higher returns amid market downturns. Bear funds can be actively managed or designed to follow an index. In the example of an index bear fund, the fund tracks the inverse of the index. |
I keep learning things as I go. I have no plans on becoming any kind of stock market economist etc., I'm just interested in making the equity fund part of my pension grow while protecting myself from serious drops.
Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn!
"The sky was the color of a TV tuned to a dead station" - Neuromancer
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Frant
King's Bounty
Posts: 24656
Location: Your Mom
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| Posted: Fri, 2nd Sep 2022 13:05 Post subject: |
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The only thing that is "positive" with the current energy crisis is how I avoided losing a ton of value on my pension funds.
***2022***
2022-02-07 - +8.0%
___________________________________________Fund split
Didner & Gerge Aktiefond___________-__8,8%____40% -> 5%
Blackrock - World Technology A2_____-__16.9%___30% -> 5%
AP7 Aktiefond____________________-__-4.3%____30% -> 5%
Franklin Natural A1________________-__New_____40%
Blackrock - World Energy A2________-__New______45%
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2022-07-21 - +0.3%
Didner & Gerge Aktiefond___________-__24,8% Change -> 1%
Blackrock - World Technology A2_____-__-27.1% Change-> 1%
Blackrock - World Energy A2_________-__+14,9% Change-> 40%
Franklin Natural A1________________-__+9,4% Change -> 40%
AP7 Aktiefond____________________-___-10,1% Change -> 8%
2022-09-02 - +13.4%
Didner & Gerge Aktiefond___________-___-28,5% - (1%)
Blackrock - World Technology A2______-__-20.8% - (1%)
Blackrock - World Energy A2___-___+29,7% - (40%) -> 60%
Franklin Natural A1_________________-__+25,4% - (40%) -> 33%
AP7 Aktiefond_____________________-___-6,2% - (8%)
Good thing I'm somewhat proactively checking and changing the split. Since January 1st 2021 until today the value of my prime pension fund has increased by 40.8%. That's a pretty damn good result for an amateur if I may say so myself.
Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn!
"The sky was the color of a TV tuned to a dead station" - Neuromancer
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