Four brokers. Twelve capital-insurance policies. Completely unplanned, expensive, and 100 percent my fault.

Avanza, Nordnet, Nordea and Montrose. That is the list. There will not be a fifth name this year. Every new login is another password, another tax wrapper and another morning when a dividend lands three days later than on the other platform.

We did not design this. We collected it. A policy here because the bonus looked pretty. A policy there because the app was nicer that week. Then Nordnet’s service fell over often enough that we opened fresh policies at Montrose rather than sit in the queue. Transfers happen when they happen. I am not going to force a taxable mess just to make the org chart tidy.

What each shop is for, in practice:

Avanza — the old Swedish habit. Fine for the names that already live there.

Nordnet — still holds two company policies. We are not adding to them.

Nordea — bank gravity. Useful when money has to move like a bank, not like a hobby.

Montrose — where new capital insurance goes when we are tired of waiting.

A separate Irish broker holds a small trading-bot account. It is not part of the twelve policies and it does not get household savings.

The accounts sit inside capital insurance and ISK. That is a Swedish problem, not a branding problem. The longer version of how a Swede is allowed to touch the US market is here: How a Swede Buys the US Market

The mix those accounts actually hold is here: From 100% Dividends to 70/30

The confession, with dates, is here: Four Brokers, Twelve Policies and Zero Common Sense

This is not a review site. I am not ranking apps. I am listing the cupboards we already opened so I stop opening another one.

This page changes when a policy moves. The dated post stays dated.