As is the norm when we enter a new year, I like to look back at the returns of my (Pension) portfolio from the previous year(s). Is it time to change my AA (again)? I was quite conservative with my AA last year when I opted to move a great portion of my portfolio OUT…
Lessons from the past (analyzing my returns from 2007-2019)
The goals for 2020
A year has gone by in what seems almost as a blink of an eye. As per usual (I love saying that – this is only my 2nd goals-post ever), it’s thus time to look ahead into the coming year(s), and see what might be in store for the Total Balance household. Last year I…
Boy, was I wrong!
2019 is drawing to a close, and as is the norm on the Total Balance blog (easy now hot shot, this is only the first full year of blogging!) it’s thus time to take a gander back at this years major events – good or bad! My wife asked me yesterday, if I had a…
Crunching the numbers of Year One
Since I’ve now been on the path to FI for more than a year (and recently wrote a somewhat philosophical rant about my first year on FIRE) I thought I’d spend some more words, looking into how the numbers have progressed during that first year. I (somehow) managed to grow my Total Balance by more…
Why to use multiple banks and payment services
According to a study, recently conducted by the independent danish bank advisor mybanker.dk, only 48% of the danish population is a customer in more than one bank. Historically, the danish bank customers are very loyal too. 60% of them have been a customer in their current bank, for more than 10 years. It probably comes as…
To Stooze or not to Stooze
I know what you’re thinking; WTF is a Stooze!? I’d never heard the term before either, until I started researching a nifty little trick (that I’ve been using for a while), in order to deploy “free leverage” that I used to purchase Property #1. It turned out that the little trick had a name: Stoozing….
Why I invest (heavily) in properties
Faithful followers of the Total Balance blog will know that I mainly invest in properties. I recently sunk the better part of my nest egg into a single property. It is not uncommon in the FI community to invest in properties, but most FI bloggers that I follow, tend to be more invested in stocks…
Finding your purpose
It’s no secret that a lot of us (humans) often struggle to find our “reason for being” – our purpose in life. Why are we here? Where did we come from? Where are we going? These are some of life’s hard questions, and we’ve been (probably – we can’t really know for sure) searching for…
Time to up the ante!
Less than 3 months have passed of 2019, and already I feel it’s time… – It’s time to step up my game! When it became apparent to me last month that the rules of the passive real estate investment game in Denmark appeared to have changed, I decided it was time to throw a little more…
My investment strategy
It’s been a while since I’ve written about my investment strategy, so I thought it was time for a little update on that front, seeing that this is supposed to be a personal finance blog. – I realize that it has taken a bit of a slant towards the personal part, rather than the finance…