This site has moved… please visit our new location!

Thank you for visiting my blog! I have moved this blog to a new location with a new look. Come visit!

www.StocksAndFreedom.com

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I look forward to seeing you there!

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How to make your employer pay for your holidays?

Many employers offer a contribution to your retirement plan. In the US it is called a work sponsored 401(k), in the UK it is a personal pension plan – PPP.

How does it work and why use it?

  • tax relief – money goes to your personal pension plan or 401(k) account before you pay tax from them,

  • your employer’s contribution – extra money you receive from your employer to your retirement plan if you decide to save your money for retirement.

Continue reading “How to make your employer pay for your holidays?”

How to keep the profits from our investments only for ourselves? ISA can be an answer

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In this post, I will explain to you why it is worth to use ISA and what product I actually use.

ISA explained

If you invest, you need to think how to minimalise the taxes. To succed in it, one of the possible ways is to use an ISA account. Continue reading “How to keep the profits from our investments only for ourselves? ISA can be an answer”

+26.94% (+38.38% including change in currency ratio) – the results of the WSE wallet after half a year of running a public portfolio

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At the end of March 2016 I decided to start running the public portfolio of shares on the Warsaw Stock Exchange Continue reading “+26.94% (+38.38% including change in currency ratio) – the results of the WSE wallet after half a year of running a public portfolio”

WSE wallet – week 19/09/2016 – 25/09/2016

During the week 19/09/2016 – 25/09/2016, the value of carefully selected stocks went down -0.97% versus WIG20 return +1.63% and WIG +1.48%. Apart from that, the Polish currency PLN has appreciated in value vis-à-vis GBP, USD and EUR. It can be a result of the fact that foreign investors have noticed a good time to invest in Polish stocks – usually they start with big companies from WIG20 index. I am not surprised – please see the chart below. Polish stock market seems to have a 10-year real expected return at about 11%, which is slightly less than Russian stock market which is considered to be a quite risky market to invest in.

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Continue reading “WSE wallet – week 19/09/2016 – 25/09/2016”

+21.38% in 4 months – results of my investment wallet in £

4 months of keeping a record of my investment wallet are behind us. The decision to invest money in the developing markets and commodity seems to be really good.

The portfolio unit value changed +21.38% vs. +0.82% for FTSE 100 – see the image below.chart

Continue reading “+21.38% in 4 months – results of my investment wallet in £”

WSE wallet – week 16/05/2016 – 22/05/2016, exchange of currency and a new company in WSE wallet

During the week 16/05/2016 – 22/05/2016, the value of carefully selected stocks went up 1.54% versus WIG20 return -0.50% and WIG -0.61%. As we see, the wallet has beaten the market again.

WSE wallet -total return:                       +4.25%
Continue reading “WSE wallet – week 16/05/2016 – 22/05/2016, exchange of currency and a new company in WSE wallet”