We have investments with four different platforms: Avanza, Montrose, Nordea and Nordnet.

Totally unplanned. Financially stupid. And completely my fault.

That gives us 12 separate endowment insurance policies – three on each platform (mine, my husband’s and a joint one). Because apparently one big policy would have been too simple.

My husband has always insisted on having holdings in my name too, even though we’re married with no prenup. Sweet, right? But it also means we have cash sitting idle in twelve accounts instead of one.

We started with Avanza in 2015 because they had the best interface. Then Nordnet. In 2018 Nordea blew us away with tax refunds in just six weeks instead of 2–3 years, so we moved the lion’s share there.

Then Montrose launched in 2025 and offered immediate foreign withholding tax refunds. I fell in love. We now have:

• Nordea ≈ 80 % 
• Montrose ≈ 12 % 
• Nordnet ≈ 7 % 
• Avanza ≈ 1 %

And here’s the ridiculous part: I hate wasting money on idle cash and love Montrose’s instant refunds… but I also love Nordea’s huge selection of instruments.

So I’m stuck in analysis paralysis, paying the price for my own perfectionism while the money sits there doing nothing.

Brilliant work, me.

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This is a new post on the new dewlar.me blog.
You can find the old blog here:https://mrsdewlar.blogspot.com

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