I’m ridiculously pleased with the two tiny “apps” I’ve built.

Our investments sit on four different platforms. The same share can pay dividends up to five days apart depending on where it’s held. My Google Sheet follows each company’s official payment date, which means that as a Swede I often don’t see the money until several days later.

Result: I usually can’t close the books for a month until we’re well into the next one.

The latest app helps enormously. One single click and I instantly see exactly which dividends are still missing for any given month.

Checking that we’ve actually received everything we’re entitled to is now fast, simple and far more reliable.

I still wait more than fourteen days before I contact the bank about missing dividends — I know foreign payouts can take time.

You’d be amazed how often those dividends are simply parked on some internal “observation account” that nobody can be bothered to process.

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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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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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As of 16 April 2026, new EU rules give fund companies the legal right to block savers from withdrawing their money during times of market stress.

The official reason? To protect the fund when small savers panic and want to sell.

Johan Sjögren, head of analysis at the Swedish Fund Management Association, was quoted in Privata Affärer on 29 April 2026 saying: “It can sound very negative for the saver.”

I can understand that there are situations where the small saver needs to be “protected from himself”. But at the same time, I have zero understanding for the idea that the EU and the fund industry should decide when I’m allowed to access my own money.

Because let’s be honest: these funds were never created primarily for the saver.

They were created to be sold by banks and fund companies. Everything else is marketing.

If you want real control over your savings, the best option is still individual stocks. It requires work and patience, but at least no one can lock the door and tell you “we know better” when the market turns ugly.

That freedom is worth far more than any bureaucratic “protection”.

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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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All growth stocks will be sold and repurchased in a regular share deposit (aktie- och fondkonto). There is simply no reason to keep paying a potentially higher yield tax on holdings that may increase in value.

The current flat-rate tax (schablonbeskattning) in ISK already corresponds to roughly 30 % capital gains tax — but the major advantage is that you don’t have to account for every single acquisition and sale. This is a clear benefit if you buy or sell more than 40 stocks per year. The whole point of ISK was to simplify things for the taxpayer.

We have already started this tax planning. Because that’s what responsible people do when politicians signal they want even more of our money.

The money we invest in the stock market has already been taxed once. We voluntarily give up consumption today to secure our future. Yet Swedish politics seems to view this as a problem that needs to be “corrected” — preferably by taking even more from those who actually take responsibility.

The Left doesn’t just want to tax the rich. They want to punish anyone who tries to become financially independent.

And that, unfortunately, no logical person can understand.

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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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